/* v16 institutional homepage rebuild */
.v16-home{background:#fff;color:var(--vrts-text)}.v16-home h1,.v16-home h2,.v16-home h3{letter-spacing:-.035em}.v16-nav{background:rgba(6,27,59,.72);border-color:rgba(255,255,255,.16)}.v16-nav .nav-links{gap:16px}.v16-nav .nav-links a{font-size:12.5px}.inxga-cta{box-shadow:0 16px 44px rgba(255,255,255,.10)}
.v16-hero{position:relative;min-height:100vh;display:flex;align-items:center;overflow:hidden;padding:138px 0 88px;background:linear-gradient(135deg,#00357A 0%,#061B3B 100%);color:#fff}.v16-hero-image{position:absolute;inset:0;background-image:url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=2400&q=88');background-size:cover;background-position:center;opacity:.36;transform:scale(1.04);animation:v16HeroZoom 18s ease-in-out infinite alternate}.v16-hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,27,59,.96) 0%,rgba(0,53,122,.91) 46%,rgba(6,27,59,.94) 100%),radial-gradient(circle at 78% 35%,rgba(53,200,255,.18),transparent 34%)}.v16-hero-gridline{position:absolute;inset:0;background:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:72px 72px;mask-image:radial-gradient(circle at 62% 44%,black 0,transparent 70%)}.v16-hero-inner{position:relative;z-index:2;display:grid;grid-template-columns:.95fr 1.05fr;gap:68px;align-items:center}.v16-kicker{font-size:12px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--vrts-cyan);margin:0 0 18px}.v16-kicker.dark{color:var(--vrts-sea)}.v16-hero h1{font-size:clamp(50px,5.6vw,80px);line-height:1.02;color:#fff;font-weight:900;margin-bottom:24px}.v16-lede{font-size:19px;line-height:1.75;color:rgba(255,255,255,.82);max-width:680px}.v16-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}.v16-primary{background:#fff;color:var(--vrts-sea);box-shadow:0 18px 46px rgba(255,255,255,.12)}.v16-primary:hover{background:var(--vrts-mist)}.v16-secondary{border:1px solid rgba(255,255,255,.35);color:#fff;background:rgba(255,255,255,.02)}.v16-secondary:hover{background:rgba(255,255,255,.08);border-color:rgba(53,200,255,.55)}.v16-outline{border:1px solid rgba(0,53,122,.16);color:var(--vrts-sea);background:#fff}.v16-trust-strip{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:30px;max-width:680px}.v16-trust-strip span{padding:12px 14px;border-radius:999px;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.15);font-size:13px;font-weight:800;color:rgba(255,255,255,.86)}
.v16-terminal{position:relative;border-radius:34px;background:linear-gradient(180deg,rgba(255,255,255,.16),rgba(255,255,255,.07));border:1px solid rgba(255,255,255,.18);backdrop-filter:blur(18px);box-shadow:0 42px 110px rgba(0,15,45,.42);overflow:hidden;transform:perspective(1100px) rotateY(-5deg) rotateX(2deg)}.v16-terminal:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 75% 20%,rgba(53,200,255,.18),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,58px 58px,58px 58px}.terminal-top,.terminal-body{position:relative;z-index:1}.terminal-top{display:flex;align-items:center;gap:8px;border-bottom:1px solid rgba(255,255,255,.12);padding:18px 22px;color:rgba(255,255,255,.68)}.terminal-top span{width:10px;height:10px;border-radius:50%;background:rgba(53,200,255,.72)}.terminal-top b{margin-left:auto;font-size:12px;text-transform:uppercase;letter-spacing:.12em}.terminal-body{padding:30px;display:grid;gap:18px}.console-card,.console-metrics>div,.portal-note{border:1px solid rgba(255,255,255,.14);background:rgba(255,255,255,.09);border-radius:24px;padding:22px}.console-card small,.console-metrics small{display:block;color:var(--vrts-cyan);font-weight:800;text-transform:uppercase;letter-spacing:.12em;font-size:11px}.console-card strong{display:block;color:#fff;font-size:34px;letter-spacing:-.04em;margin-top:10px}.console-card em{display:block;font-style:normal;color:rgba(255,255,255,.68);margin-top:8px}.console-metrics{display:grid;grid-template-columns:1.25fr .75fr;gap:14px}.console-metrics b{display:block;color:#fff;margin-top:8px}.console-path{display:flex;align-items:center;gap:8px;color:#fff;font-weight:800;font-size:12px}.console-path i{height:1px;flex:1;background:linear-gradient(90deg,var(--vrts-cyan),transparent)}.console-panel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.console-panel-grid div{border-radius:16px;padding:14px;background:rgba(53,200,255,.10);border:1px solid rgba(53,200,255,.16);color:rgba(255,255,255,.84);font-weight:800}
.v16-proofbar{background:#fff;border-bottom:1px solid var(--vrts-line)}.v16-proof-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--vrts-line)}.v16-proof-grid article{padding:24px;background:#fff}.v16-proof-grid small{display:block;color:var(--vrts-sea);font-size:11px;text-transform:uppercase;letter-spacing:.14em;font-weight:900;margin-bottom:8px}.v16-proof-grid strong{font-size:16px;color:#102033}.v16-section{padding:108px 0}.v16-white{background:#fff}.v16-mist{background:var(--vrts-mist)}.v16-dark{background:linear-gradient(135deg,var(--vrts-sea),var(--vrts-navy));color:#fff;position:relative;overflow:hidden}.v16-dark:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 82% 22%,rgba(53,200,255,.18),transparent 34%)}.v16-dark .container{position:relative;z-index:1}.v16-dark h2,.v16-dark h3{color:#fff}.v16-dark p{color:rgba(255,255,255,.72)}.v16-editorial-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:80px;margin-bottom:56px}.v16-section-heading h2{font-size:clamp(38px,4.3vw,64px);line-height:1.04;font-weight:900;margin-bottom:20px}.v16-section-heading.centered{text-align:center;max-width:900px;margin:0 auto 54px}.v16-section-heading.centered p{font-size:18px}.v16-copy-block p{font-size:19px;color:var(--vrts-text)}.v16-image-ledger{display:grid;grid-template-columns:.9fr 1.1fr;gap:34px;align-items:stretch}.v16-image-card,.v16-private-image{min-height:420px;border-radius:32px;background-size:cover;background-position:center;position:relative;overflow:hidden;box-shadow:0 28px 80px rgba(0,31,73,.16);border:1px solid var(--vrts-line)}.v16-image-card:before,.v16-private-image:before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,53,122,.05),rgba(6,27,59,.72))}.v16-image-card span,.v16-private-image span{position:absolute;left:24px;right:24px;bottom:24px;border-radius:22px;padding:20px;background:rgba(255,255,255,.12);backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.16);color:#fff;font-size:24px;line-height:1.2;font-weight:900}.v16-building{background-image:url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=1600&q=88')}.v16-ledger-card{background:#fff;border:1px solid var(--vrts-line);border-radius:32px;padding:34px;box-shadow:var(--vrts-shadow)}.v16-ledger-card h3{font-size:28px}.v16-ledger-card dl{display:grid;gap:14px;margin:0}.v16-ledger-card div{display:grid;grid-template-columns:150px 1fr;gap:18px;padding:16px 0;border-top:1px solid rgba(0,53,122,.08)}.v16-ledger-card dt{font-weight:900;color:var(--vrts-sea)}.v16-ledger-card dd{margin:0;color:var(--vrts-text)}
.v16-access-grid{display:grid;grid-template-columns:1.15fr 1fr 1fr;gap:18px}.v16-access-card{min-height:245px;background:#fff;border:1px solid var(--vrts-line);border-radius:28px;padding:28px;box-shadow:var(--vrts-shadow);transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease}.v16-access-card:hover{transform:translateY(-5px);border-color:rgba(53,200,255,.45);box-shadow:0 28px 90px rgba(0,31,73,.18)}.v16-access-card.featured{grid-row:span 2;background:linear-gradient(135deg,#00357A,#061B3B);color:#fff}.v16-access-card.featured h3{color:#fff;font-size:34px}.v16-access-card.featured p{color:rgba(255,255,255,.76)}.v16-access-card small{display:block;color:var(--vrts-sea);font-weight:900;letter-spacing:.12em;text-transform:uppercase;font-size:11px;margin-bottom:18px}.v16-access-card.featured small{color:var(--vrts-cyan)}.v16-access-card h3{font-size:25px}.v16-audience-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:start}.v16-audience-layout h2{font-size:clamp(38px,4.2vw,62px);line-height:1.05;color:#fff}.v16-tabs{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:34px;padding:18px;box-shadow:0 30px 90px rgba(0,20,60,.28)}.v16-tab-buttons{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-bottom:18px}.v16-tab-buttons button{border:1px solid rgba(255,255,255,.16);background:transparent;color:rgba(255,255,255,.72);border-radius:999px;padding:12px;font-weight:900;cursor:pointer}.v16-tab-buttons button.active{background:#fff;color:var(--vrts-sea)}.v16-tab-panel{display:none;padding:28px;border-radius:26px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12)}.v16-tab-panel.active{display:block}.v16-tab-panel h3{font-size:34px}.v16-tab-panel ul{margin:20px 0 0;padding-left:20px;color:rgba(255,255,255,.82);line-height:1.9}.v16-portal-grid,.v16-support-grid,.v16-compliance-grid,.v16-faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.v16-portal-copy h2,.v16-support-grid h2,.v16-compliance-grid h2,.v16-faq-grid h2{font-size:clamp(36px,4vw,58px);line-height:1.05;font-weight:900}.light-actions .v16-primary{background:var(--vrts-sea);color:#fff}.v16-portal-card{min-height:470px;border-radius:34px;background:linear-gradient(135deg,var(--vrts-sea),var(--vrts-navy));position:relative;overflow:hidden;box-shadow:0 32px 90px rgba(0,31,73,.22);padding:34px}.v16-portal-card:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 75% 20%,rgba(53,200,255,.20),transparent 32%),linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:auto,56px 56px,56px 56px}.portal-device{position:relative;z-index:1;margin:24px auto;width:min(390px,100%);border-radius:28px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);padding:30px}.portal-line{height:14px;border-radius:999px;background:rgba(255,255,255,.38);margin:16px 0}.portal-line.wide{width:86%}.portal-line.short{width:54%}.portal-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:28px}.portal-grid span{height:74px;border-radius:18px;background:linear-gradient(180deg,var(--vrts-cyan),rgba(53,200,255,.12))}.portal-note{position:relative;z-index:1;color:#fff}.portal-note strong{display:block;font-size:22px}.portal-note span{display:block;color:rgba(255,255,255,.72);margin-top:8px}
.v16-private-image{background-image:url('https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1600&q=88')}.v16-mini-grid,.v16-compliance-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.v16-mini-grid article,.v16-compliance-cards article{border-radius:24px;padding:24px;background:#fff;border:1px solid var(--vrts-line);box-shadow:var(--vrts-shadow)}.v16-mini-grid h3,.v16-compliance-cards h3{font-size:20px}.v16-mini-grid p{margin:0}.v16-compliance-cards article{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.14);box-shadow:none}.v16-process{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.v16-process article{position:relative;border-radius:28px;padding:28px;background:#fff;border:1px solid var(--vrts-line);box-shadow:var(--vrts-shadow)}.v16-process b{display:inline-grid;place-items:center;width:46px;height:46px;border-radius:16px;background:var(--vrts-sea);color:#fff;margin-bottom:22px}.v16-faq-list{display:grid;gap:12px}.v16-faq-list details{background:#fff;border:1px solid var(--vrts-line);border-radius:22px;padding:22px;box-shadow:0 16px 48px rgba(0,31,73,.07)}.v16-faq-list summary{cursor:pointer;font-weight:900;color:#12213a;font-size:18px}.v16-faq-list p{margin:14px 0 0}.v16-final-cta{padding:92px 0;background:linear-gradient(135deg,var(--vrts-sea),var(--vrts-navy));color:#fff}.v16-final-card{display:grid;grid-template-columns:1fr auto;gap:42px;align-items:center;border:1px solid rgba(255,255,255,.15);border-radius:34px;background:rgba(255,255,255,.08);padding:44px;box-shadow:0 40px 110px rgba(0,20,60,.28)}.v16-final-card h2{color:#fff;font-size:clamp(34px,4vw,54px)}.v16-final-card p{color:rgba(255,255,255,.76)}.v16-footer .footer-grid{grid-template-columns:1.1fr .7fr 1.1fr}.v16-footer a{font-size:14px}.v16-footer p{font-size:14px}@keyframes v16HeroZoom{from{transform:scale(1.04)}to{transform:scale(1.11)}}
@media(max-width:1060px){.v16-hero-inner,.v16-editorial-grid,.v16-image-ledger,.v16-audience-layout,.v16-portal-grid,.v16-support-grid,.v16-compliance-grid,.v16-faq-grid,.v16-final-card{grid-template-columns:1fr}.v16-terminal{transform:none}.v16-proof-grid,.v16-process{grid-template-columns:repeat(2,1fr)}.v16-access-grid{grid-template-columns:1fr 1fr}.v16-access-card.featured{grid-row:auto;grid-column:span 2}.v16-home .nav-links{display:none}.v16-home .nav-links.is-open{position:absolute;display:grid;left:0;right:0;top:72px;background:rgba(6,27,59,.96);border:1px solid rgba(255,255,255,.14);border-radius:24px;padding:18px}.v16-home .nav-links.is-open a{font-size:15px;padding:10px}.v16-home .menu-button{display:block}.v16-home .nav-cta{display:inline-flex;margin-left:auto}}@media(max-width:620px){.v16-hero{padding:126px 0 66px}.v16-hero h1{font-size:42px}.v16-lede{font-size:17px}.v16-actions .button{width:100%}.v16-trust-strip,.v16-proof-grid,.v16-access-grid,.v16-tab-buttons,.v16-mini-grid,.v16-compliance-cards,.v16-process{grid-template-columns:1fr}.v16-access-card.featured{grid-column:auto}.v16-section{padding:76px 0}.v16-section-heading h2,.v16-portal-copy h2,.v16-support-grid h2,.v16-compliance-grid h2,.v16-faq-grid h2{font-size:34px}.v16-ledger-card div{grid-template-columns:1fr;gap:4px}.v16-image-card,.v16-private-image,.v16-portal-card{min-height:360px}.v16-terminal{display:none}.v16-final-card{padding:28px}.v16-home .nav-cta{display:none}.v16-home .nav-links.is-open:after{content:'INXGA Portal';display:block;margin-top:8px;padding:13px 16px;border-radius:999px;background:#fff;color:var(--vrts-sea);font-weight:900;text-align:center}.console-metrics,.console-panel-grid{grid-template-columns:1fr}}

/* v16 QA fix: ensure dark portal CTA text remains readable */
.light-actions .v16-primary.dark-text{color:#fff!important}

/* v17 hero correction: visible premium banner image + centered pitch, no console clutter */
:root{--vrts-turquoise:#51E6C8;--vrts-gold:#D8B76A}.v17-hero{min-height:100vh;display:grid;place-items:center;text-align:center;padding:150px 0 96px;isolation:isolate}.v17-banner-image{position:absolute;inset:0;background-image:url('https://images.unsplash.com/photo-1520607162513-77705c0f0d4a?auto=format&fit=crop&w=2400&q=90');background-size:cover;background-position:center;opacity:.72;transform:scale(1.02);animation:v17BannerZoom 18s ease-in-out infinite alternate;z-index:0}.v17-banner-overlay{position:absolute;inset:0;z-index:1;background:linear-gradient(135deg,rgba(0,53,122,.72) 0%,rgba(6,27,59,.78) 58%,rgba(6,27,59,.90) 100%),radial-gradient(circle at 50% 46%,rgba(81,230,200,.16),transparent 34%),linear-gradient(180deg,rgba(6,27,59,.08),rgba(6,27,59,.62))}.v17-market-lines{position:absolute;inset:0;z-index:2;pointer-events:none;overflow:hidden}.v17-market-lines span{position:absolute;left:50%;top:50%;width:780px;height:360px;border:1px solid rgba(81,230,200,.18);border-radius:50%;transform:translate(-50%,-50%) rotate(-9deg);filter:drop-shadow(0 0 18px rgba(53,200,255,.18))}.v17-market-lines span:nth-child(2){width:1040px;height:480px;transform:translate(-50%,-50%) rotate(7deg);border-color:rgba(216,183,106,.16)}.v17-market-lines span:nth-child(3){width:520px;height:240px;transform:translate(-50%,-50%) rotate(18deg);border-color:rgba(53,200,255,.18)}.v17-hero-content{position:relative;z-index:3;max-width:1040px;margin:0 auto;color:#fff}.v17-hero h1{font-size:clamp(52px,7vw,94px);line-height:.98;max-width:1050px;margin:0 auto 26px;color:#fff;font-weight:900;text-wrap:balance}.v17-hero h1 span{display:block;opacity:0;transform:translateY(18px);animation:v17TextIn .78s cubic-bezier(.2,.8,.2,1) forwards}.v17-hero h1 span:nth-child(2){animation-delay:.14s}.v17-hero .v16-kicker{color:var(--vrts-turquoise);text-shadow:0 0 20px rgba(81,230,200,.18);opacity:0;transform:translateY(10px);animation:v17TextIn .55s ease forwards}.v17-hero .v16-lede{max-width:760px;margin:0 auto;color:rgba(255,255,255,.88);font-size:20px;line-height:1.75;opacity:0;transform:translateY(14px);animation:v17TextIn .65s ease .28s forwards}.v17-actions{justify-content:center;opacity:0;transform:translateY(14px);animation:v17TextIn .65s ease .42s forwards}.v17-actions .v16-primary{box-shadow:0 22px 60px rgba(255,255,255,.14),0 0 0 1px rgba(216,183,106,.10)}.v17-actions .v16-secondary{border-color:rgba(255,255,255,.48);backdrop-filter:blur(10px)}.v17-hero-proof{display:flex;justify-content:center;flex-wrap:wrap;gap:10px;margin-top:30px;opacity:0;transform:translateY(12px);animation:v17TextIn .65s ease .56s forwards}.v17-hero-proof span{border:1px solid rgba(255,255,255,.20);background:rgba(255,255,255,.10);backdrop-filter:blur(14px);border-radius:999px;padding:11px 15px;color:rgba(255,255,255,.86);font-size:13px;font-weight:800}.v17-hero-proof span:first-child{border-color:rgba(81,230,200,.38);box-shadow:0 0 24px rgba(81,230,200,.13)}.v17-hero-proof span:last-child{border-color:rgba(216,183,106,.28)}@keyframes v17BannerZoom{from{transform:scale(1.02)}to{transform:scale(1.13)}}@keyframes v17TextIn{to{opacity:1;transform:translateY(0)}}@media(max-width:1060px){.v17-hero{padding:138px 0 82px}.v17-hero h1{font-size:clamp(46px,9vw,76px)}}@media(max-width:620px){.v17-hero{min-height:100vh;padding:126px 0 64px;text-align:left;place-items:start center}.v17-hero-content{max-width:none}.v17-hero h1{font-size:42px;line-height:1.08;text-wrap:auto}.v17-hero h1 span{display:inline}.v17-hero .v16-lede{font-size:17px;margin-left:0;margin-right:0}.v17-actions{justify-content:flex-start}.v17-hero-proof{justify-content:flex-start;display:grid;grid-template-columns:1fr}.v17-banner-image{opacity:.58;background-position:center}.v17-banner-overlay{background:linear-gradient(135deg,rgba(0,53,122,.82),rgba(6,27,59,.90)),linear-gradient(180deg,rgba(6,27,59,.04),rgba(6,27,59,.70))}.v17-market-lines span{left:55%;width:540px;height:250px}}

/* v17 QA fix: keep full pitch and CTAs visible immediately while retaining subtle motion */
.v17-hero h1{font-size:clamp(46px,5.8vw,78px);line-height:1.03;max-width:980px;margin-bottom:22px}.v17-hero h1 span{opacity:1!important;transform:none!important;animation:v17SoftRise .55s ease both}.v17-hero .v16-kicker,.v17-hero .v16-lede,.v17-actions,.v17-hero-proof{opacity:1!important;transform:none!important}.v17-hero .v16-lede{font-size:19px;max-width:760px;margin-bottom:0}.v17-actions{margin-top:24px}.v17-hero-proof{margin-top:24px}.v17-banner-overlay{background:linear-gradient(135deg,rgba(0,53,122,.66) 0%,rgba(6,27,59,.74) 58%,rgba(6,27,59,.86) 100%),radial-gradient(circle at 50% 46%,rgba(81,230,200,.14),transparent 34%),linear-gradient(180deg,rgba(6,27,59,.06),rgba(6,27,59,.56))}@keyframes v17SoftRise{from{transform:translateY(10px);filter:blur(1.5px)}to{transform:translateY(0);filter:blur(0)}}@media(max-width:620px){.v17-hero{display:flex;align-items:center;min-height:100vh;padding:112px 0 54px;text-align:center}.v17-hero h1{font-size:34px;line-height:1.08;margin-bottom:18px}.v17-hero h1 span{display:inline}.v17-hero .v16-kicker{font-size:11px;line-height:1.5;margin-bottom:14px}.v17-hero .v16-lede{font-size:15.5px;line-height:1.62;max-width:100%}.v17-actions{margin-top:20px}.v17-hero-proof{display:none}.v17-banner-image{opacity:.64}.v17-banner-overlay{background:linear-gradient(135deg,rgba(0,53,122,.72),rgba(6,27,59,.82)),linear-gradient(180deg,rgba(6,27,59,.02),rgba(6,27,59,.50))}}

/* v17b QA fix: remove blur-based text animation; keep copy crisp from first paint */
.v17-hero h1 span,.v17-hero .v16-kicker,.v17-hero .v16-lede,.v17-actions,.v17-hero-proof{animation:none!important;filter:none!important;opacity:1!important;transform:none!important}.v17-hero h1{filter:none!important;text-shadow:0 18px 54px rgba(0,10,36,.28)}

/* v18 refinement from founder feedback: fewer hero capsules, dimensional trust strip, official GIFT City visual, richer investment cards */
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strong{display:block;font-size:18px;line-height:1.35;color:#102033;letter-spacing:-.02em}.v18-who-visual{display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:stretch}.v18-gift-image{position:relative;margin:0;border-radius:34px;overflow:hidden;min-height:510px;box-shadow:0 34px 95px rgba(0,31,73,.18);border:1px solid rgba(0,53,122,.10);background:#061B3B}.v18-gift-image img{width:100%;height:100%;object-fit:cover;display:block;filter:saturate(.98) contrast(1.02)}.v18-gift-image:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(0,53,122,.02),rgba(6,27,59,.70))}.v18-gift-image figcaption{position:absolute;left:24px;right:24px;bottom:24px;z-index:2;border-radius:20px;padding:18px 20px;background:rgba(6,27,59,.62);backdrop-filter:blur(16px);border:1px solid rgba(255,255,255,.16);color:#fff;font-size:22px;font-weight:900}.v18-approach-panel{border-radius:34px;padding:38px;background:linear-gradient(145deg,#fff,#f8fbff);border:1px solid 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h3{font-size:28px}.v18-approach-list article{padding:18px 18px 18px 66px}}

/* v19: premium editorial copy treatment, graphical rhythm, and richer interaction cues */
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ease}.v19-rail-node:hover{transform:translateY(-6px);background:#fff;box-shadow:0 18px 44px rgba(0,31,73,.13)}.v19-rail-node span{display:grid;place-items:center;width:34px;height:34px;border-radius:13px;background:#00357A;color:#fff;font-weight:900;font-size:12px}.v19-rail-node strong{font-size:19px;color:#102033}.v19-rail-node small{font-weight:800;color:#627089}.v19-rail-node.highlight{background:linear-gradient(135deg,#00357A,#061B3B);box-shadow:0 24px 62px rgba(0,53,122,.25)}.v19-rail-node.highlight strong,.v19-rail-node.highlight small{color:#fff}.v19-rail-node.highlight span{background:linear-gradient(135deg,#51E6C8,#D8B76A);color:#06233c}.v19-rail-line{position:relative;height:2px;z-index:1;background:linear-gradient(90deg,rgba(0,53,122,.15),rgba(81,230,200,.8),rgba(216,183,106,.55));overflow:hidden}.v19-rail-line:after{content:"";position:absolute;inset:0;width:42%;background:linear-gradient(90deg,transparent,#fff,transparent);animation:v19RailPulse 2.6s ease-in-out 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/* v20: supplied homepage structure/content direction */
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rgba(0,31,73,.10);overflow:hidden;transition:transform .24s ease,box-shadow .24s ease}.v20-product-grid article:hover{transform:translateY(-8px);box-shadow:0 30px 78px rgba(0,31,73,.16)}.v20-product-grid span{display:grid;place-items:center;width:48px;height:48px;border-radius:16px;background:linear-gradient(145deg,#00357A,#061B3B);color:#fff;font-weight:900;margin-bottom:24px}.v20-product-grid article:nth-child(2n) span{background:linear-gradient(145deg,#009b8b,#51E6C8);color:#06233c}.v20-product-grid article:nth-child(3n) span{background:linear-gradient(145deg,#8d6b25,#D8B76A)}.v20-product-grid h3{font-size:20px}.v20-relationship{background:linear-gradient(180deg,#EEF5FF,#fff)}.v20-relationship-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:72px;align-items:start}.v20-relationship-grid h2{font-size:clamp(38px,4.8vw,64px)}.v20-point-stack{display:grid;gap:12px}.v20-point-stack p{position:relative;margin:0;padding:18px 20px 18px 58px;border-radius:22px;background:#fff;border:1px solid rgba(0,53,122,.09);box-shadow:0 16px 46px rgba(0,31,73,.08);font-weight:800;color:#102033}.v20-point-stack p:before{content:"";position:absolute;left:20px;top:21px;width:22px;height:22px;border-radius:50%;background:linear-gradient(135deg,#51E6C8,#D8B76A);box-shadow:0 0 0 6px rgba(81,230,200,.12)}.v20-trust-snapshot .v20-split-intro{margin-bottom:40px}.v20-trust-snapshot .v20-intro-copy p{color:rgba(255,255,255,.78)}.v20-trust-card-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.v20-trust-card-grid article{min-height:225px;border-radius:26px;padding:24px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);box-shadow:0 24px 72px rgba(0,20,60,.22)}.v20-trust-card-grid h3{font-size:20px;color:#fff}.v20-trust-card-grid p{font-size:15px;color:rgba(255,255,255,.74)}.v20-faqs{background:#EEF5FF}.v20-faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:72px;align-items:start}.v20-faq-grid h2{font-size:clamp(38px,4.4vw,62px)}@keyframes v20Orbit{to{transform:rotate(360deg)}}@media(max-width:1120px){.v20-service-grid{grid-template-columns:repeat(2,1fr)}.v20-service-card.featured{grid-row:auto}.v20-audience-grid,.v20-trust-card-grid{grid-template-columns:repeat(2,1fr)}.v20-product-grid{grid-template-columns:repeat(3,1fr)}}@media(max-width:900px){.v20-split-intro,.v20-inxga-grid,.v20-relationship-grid,.v20-faq-grid{grid-template-columns:1fr}.v20-platform-visual{min-height:430px}.desktop-device{left:26px;right:26px;top:38px}.mobile-device{right:34px;bottom:36px}}@media(max-width:620px){.v20-trust-chips{display:grid;grid-template-columns:1fr;gap:8px}.v20-section{padding:74px 0}.v20-section h2{font-size:34px}.v20-service-grid,.v20-audience-grid,.v20-product-grid,.v20-trust-card-grid{grid-template-columns:1fr}.v20-service-card{min-height:auto}.v20-service-card.featured h3{font-size:27px}.v20-platform-visual{min-height:380px;border-radius:28px}.desktop-device{height:210px}.mobile-device{display:none}.v20-product-grid article{min-height:135px}.v20-point-stack p{font-size:15px}}

/* v20 QA fix */
.v20-trust-snapshot h2,.v20-trust-snapshot h3{color:#fff!important}.v20-trust-snapshot .v20-split-intro p{color:rgba(255,255,255,.78)}

/* v21: high-end motion and interaction layer */
:root{
  --fx-ease:cubic-bezier(.16,1,.3,1);
  --fx-fast:180ms;
  --fx-med:520ms;
  --fx-slow:900ms;
  --fx-ring:rgba(81,230,200,.34);
  --fx-gold:rgba(216,183,106,.68);
}
.v20-home{background:linear-gradient(180deg,#fff 0%,#f8fbff 44%,#fff 100%)}
.v20-home main{position:relative;isolation:isolate}
.v20-home main:before{
  content:"";
  position:fixed;
  inset:0;
  z-index:-1;
  pointer-events:none;
  background:
    linear-gradient(rgba(0,53,122,.025) 1px,transparent 1px),
    linear-gradient(90deg,rgba(0,53,122,.02) 1px,transparent 1px);
  background-size:72px 72px;
  mask-image:linear-gradient(180deg,transparent 0%,black 18%,black 72%,transparent 100%);
}
.v20-home .nav{transition:background var(--fx-fast) ease,box-shadow var(--fx-fast) ease,border-color var(--fx-fast) ease}
.v20-home .nav:hover{background:rgba(6,27,59,.84);border-color:rgba(81,230,200,.24);box-shadow:0 22px 78px rgba(0,16,45,.32)}
.v20-home .nav-links a{position:relative;padding:8px 0}
.v20-home .nav-links a:after{
  content:"";
  position:absolute;
  left:0;
  right:0;
  bottom:2px;
  height:2px;
  border-radius:999px;
  background:linear-gradient(90deg,#51E6C8,#D8B76A);
  transform:scaleX(0);
  transform-origin:left;
  transition:transform var(--fx-fast) ease;
}
.v20-home .nav-links a:hover:after{transform:scaleX(1)}
.v20-hero{min-height:100svh}
.v20-hero:before,.v20-hero:after{
  content:"";
  position:absolute;
  z-index:2;
  pointer-events:none;
  border:1px solid rgba(81,230,200,.22);
  filter:drop-shadow(0 0 22px rgba(81,230,200,.16));
}
.v20-hero:before{
  width:128px;
  height:128px;
  left:7vw;
  bottom:18vh;
  clip-path:polygon(50% 0,100% 50%,50% 100%,0 50%);
  animation:v21FloatOne 9s ease-in-out infinite alternate;
}
.v20-hero:after{
  width:210px;
  height:210px;
  right:8vw;
  top:20vh;
  border-radius:34px;
  transform:rotate(14deg);
  animation:v21FloatTwo 11s ease-in-out infinite alternate;
}
.v17-market-lines span{animation:v21HeroOrbit 16s linear infinite}
.v17-market-lines span:nth-child(2){animation-duration:22s;animation-direction:reverse}
.v17-market-lines span:nth-child(3){animation-duration:28s}
.v17-hero .v16-kicker{
  display:inline-flex;
  align-items:center;
  gap:12px;
  padding:10px 14px;
  border-radius:12px;
  background:rgba(255,255,255,.075);
  border:1px solid rgba(81,230,200,.24);
  backdrop-filter:blur(14px);
}
.v17-hero .v16-kicker:before{
  content:"";
  width:8px;
  height:8px;
  border-radius:50%;
  background:#51E6C8;
  box-shadow:0 0 18px rgba(81,230,200,.9);
}
.v20-trust-chips span{
  border-radius:10px 18px 10px 18px;
  background:linear-gradient(135deg,rgba(255,255,255,.12),rgba(255,255,255,.055));
  box-shadow:inset 0 1px 0 rgba(255,255,255,.12);
}
.v20-trust-chips span:before{
  content:"";
  display:inline-block;
  width:7px;
  height:7px;
  margin-right:8px;
  border-radius:2px;
  background:linear-gradient(135deg,#51E6C8,#D8B76A);
  transform:rotate(45deg) translateY(-1px);
}
.v20-home .button{
  min-height:48px;
  border-radius:16px;
  gap:10px;
  letter-spacing:.01em;
  isolation:isolate;
  transform:translateZ(0);
}
.v20-home .button:after{
  content:"";
  width:18px;
  height:18px;
  border-radius:50%;
  border:1px solid currentColor;
  opacity:.52;
  background:linear-gradient(135deg,transparent 45%,currentColor 48%,transparent 55%);
  transition:transform var(--fx-fast) ease,opacity var(--fx-fast) ease;
}
.v20-home .button:hover:after{transform:translateX(4px) rotate(45deg);opacity:.86}
.v20-home .button.is-pressing{transform:translateY(1px) scale(.985)!important}
.v20-home .v16-primary,
.v20-home .light-actions .v16-primary.dark-text,
.v20-home .v16-final-card .v16-primary{
  background:linear-gradient(135deg,#FFFFFF 0%,#EFFAFF 44%,#EAF7F2 100%);
  color:#00357A!important;
  border:1px solid rgba(255,255,255,.70);
  box-shadow:0 18px 48px rgba(0,31,73,.14),inset 0 1px 0 rgba(255,255,255,.9);
}
.v20-home .v16-primary:hover,
.v20-home .light-actions .v16-primary.dark-text:hover,
.v20-home .v16-final-card .v16-primary:hover{
  background:linear-gradient(135deg,#DFF9FF 0%,#fff 42%,#FFF6DF 100%);
  box-shadow:0 26px 70px rgba(0,31,73,.22),0 0 0 1px rgba(81,230,200,.30);
}
.v20-home .v16-secondary,
.v20-home .v16-final-card .v16-secondary{
  border-color:rgba(81,230,200,.42);
  background:rgba(255,255,255,.035);
  box-shadow:inset 0 0 0 1px rgba(216,183,106,.10);
}
.v20-home .v16-secondary:hover,
.v20-home .v16-final-card .v16-secondary:hover{
  background:rgba(81,230,200,.13);
  border-color:rgba(216,183,106,.62);
  color:#fff;
}
.v20-section{isolation:isolate}
.v20-section:before,.v20-section:after{
  content:"";
  position:absolute;
  z-index:0;
  pointer-events:none;
  opacity:.72;
}
.v20-section:before{
  width:190px;
  height:190px;
  right:max(24px,6vw);
  top:64px;
  border:1px solid rgba(0,53,122,.075);
  border-radius:42px;
  transform:rotate(18deg);
}
.v20-section:after{
  width:280px;
  height:1px;
  left:max(24px,7vw);
  bottom:54px;
  background:linear-gradient(90deg,transparent,rgba(81,230,200,.34),rgba(216,183,106,.28),transparent);
}
.v20-audiences:before,.v20-trust-snapshot:before,.v16-final-cta:before{border-color:rgba(255,255,255,.09)}
.v20-audiences:after,.v20-trust-snapshot:after,.v16-final-cta:after{background:linear-gradient(90deg,transparent,rgba(81,230,200,.30),rgba(216,183,106,.24),transparent)}
.v20-section>.container,.v16-final-cta>.container{position:relative;z-index:1}
.fx-word{
  display:inline-block;
  opacity:0;
  transform:translateY(.62em);
  filter:blur(5px);
  transition:opacity var(--fx-med) var(--fx-ease),transform var(--fx-med) var(--fx-ease),filter var(--fx-med) var(--fx-ease);
  transition-delay:calc(min(var(--fx-word-index), 18) * 28ms);
}
.in .fx-word,.reveal.in .fx-word{
  opacity:1;
  transform:translateY(0);
  filter:blur(0);
}
.reveal{
  opacity:0;
  transform:translateY(24px);
  filter:blur(8px);
  transition:opacity var(--fx-slow) var(--fx-ease),transform var(--fx-slow) var(--fx-ease),filter var(--fx-slow) var(--fx-ease);
}
.reveal.fx-stagger{transition-delay:calc(var(--fx-index,0) * 70ms)}
.reveal.fx-stagger{filter:none}
.reveal.in{
  opacity:1;
  transform:translateY(0);
  filter:blur(0);
}
.v20-service-card,
.v20-audience-grid article,
.v20-product-grid article,
.v20-trust-card-grid article,
.v20-point-stack p,
.v16-faq-list details{
  isolation:isolate;
  transform-style:preserve-3d;
}
.v20-service-card:before,
.v20-audience-grid article:before,
.v20-product-grid article:before,
.v20-trust-card-grid article:before{
  background:
    radial-gradient(circle at 35% 28%,rgba(81,230,200,.20),transparent 34%),
    linear-gradient(135deg,rgba(255,255,255,.0),rgba(216,183,106,.10));
}
.v20-audience-grid article:after,
.v20-product-grid article:after,
.v20-trust-card-grid article:after{
  content:"";
  position:absolute;
  left:22px;
  right:22px;
  bottom:0;
  height:3px;
  border-radius:999px 999px 0 0;
  background:linear-gradient(90deg,#51E6C8,#D8B76A);
  transform:scaleX(.18);
  transform-origin:left;
  opacity:.45;
  transition:transform .28s ease,opacity .28s ease;
}
.v20-service-card:hover,
.v20-audience-grid article:hover,
.v20-product-grid article:hover,
.v20-trust-card-grid article:hover{
  transform:translateY(-8px) perspective(1000px) rotateX(1.4deg) rotateY(-1.2deg);
}
.v20-audience-grid article:hover:after,
.v20-product-grid article:hover:after,
.v20-trust-card-grid article:hover:after{transform:scaleX(1);opacity:1}
.v20-service-card:hover .v20-icon,
.v20-product-grid article:hover span,
.v20-audience-grid article:hover span{
  transform:translateY(-3px) rotate(-4deg);
  box-shadow:0 20px 48px rgba(0,53,122,.24),0 0 0 7px rgba(81,230,200,.09);
}
.v20-icon,.v20-product-grid span,.v20-audience-grid span{transition:transform .24s ease,box-shadow .24s ease}
.v20-service-card h3,
.v20-audience-grid h3,
.v20-product-grid h3,
.v20-trust-card-grid h3{transition:color .22s ease,transform .22s ease}
.v20-service-card:hover h3,
.v20-product-grid article:hover h3{color:#00357A;transform:translateX(2px)}
.v20-service-card.featured:hover h3,
.v20-audience-grid article:hover h3,
.v20-trust-card-grid article:hover h3{color:#fff}
.v20-service-grid{
  position:relative;
  align-items:stretch;
}
.v20-service-grid:before{
  content:"";
  position:absolute;
  left:calc(33.333% - 8px);
  top:18px;
  bottom:18px;
  width:1px;
  background:linear-gradient(180deg,transparent,rgba(81,230,200,.34),rgba(216,183,106,.24),transparent);
  transform:translateX(-18px);
  pointer-events:none;
}
.v20-service-card.featured{
  position:sticky;
  top:116px;
  min-height:620px;
  display:flex;
  flex-direction:column;
  justify-content:flex-end;
}
.v20-service-card.featured:before{
  width:340px;
  height:340px;
  right:-120px;
  top:-110px;
  background:radial-gradient(circle,rgba(81,230,200,.26),transparent 63%);
}
.v20-service-card.featured:after{
  opacity:1;
  height:5px;
}
.v20-service-card.featured .v20-icon{
  position:absolute;
  top:30px;
  left:30px;
  width:72px;
  height:72px;
  border-radius:24px;
}
.v20-service-card.featured small{margin-top:auto}
.v20-service-card:not(.featured){
  min-height:300px;
}
.v20-service-card:not(.featured):nth-child(even){
  transform:translateY(28px);
}
.v20-service-card:not(.featured):nth-child(even):hover{
  transform:translateY(18px) perspective(1000px) rotateX(1.4deg) rotateY(-1.2deg);
}
.v20-platform-visual{overflow:hidden}
.v20-platform-visual:after{
  content:"";
  position:absolute;
  inset:28px;
  border:1px solid rgba(81,230,200,.14);
  border-radius:30px;
  transform:rotate(-3deg);
  animation:v21PanelBreath 7s ease-in-out infinite alternate;
}
.v20-device{transition:transform .42s var(--fx-ease),box-shadow .42s ease}
.v20-platform-visual:hover .desktop-device{transform:translate3d(-8px,-8px,0) rotate(-1deg)}
.v20-platform-visual:hover .mobile-device{transform:translate3d(8px,8px,0) rotate(2deg)}
.v20-device span{
  position:relative;
  overflow:hidden;
}
.v20-device span:after{
  content:"";
  position:absolute;
  inset:0;
  width:38%;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,.65),transparent);
  animation:v21Scan 2.9s ease-in-out infinite;
}
.v20-point-stack p{transition:transform .24s ease,box-shadow .24s ease,border-color .24s ease,background .24s ease}
.v20-point-stack p:hover{
  transform:translateX(8px);
  border-color:rgba(81,230,200,.28);
  background:linear-gradient(135deg,#fff,#F6FCFF);
  box-shadow:0 22px 62px rgba(0,31,73,.13);
}
.v16-faq-list details{transition:border-color .22s ease,box-shadow .22s ease,transform .22s ease}
.v16-faq-list details:hover{transform:translateX(4px);border-color:rgba(81,230,200,.24)}
.v16-faq-list summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:16px}
.v16-faq-list summary::-webkit-details-marker{display:none}
.v16-faq-list summary:after{
  content:"+";
  display:grid;
  place-items:center;
  flex:0 0 auto;
  width:30px;
  height:30px;
  border-radius:10px;
  background:#EEF5FF;
  color:#00357A;
  transition:transform .22s ease,background .22s ease;
}
.v16-faq-list details[open] summary:after{content:"";background:linear-gradient(135deg,#51E6C8,#D8B76A);transform:rotate(45deg)}
.v16-final-card{
  position:relative;
  overflow:hidden;
  box-shadow:0 42px 120px rgba(0,20,60,.34);
}
.v16-final-card:before{
  content:"";
  position:absolute;
  right:-120px;
  top:-130px;
  width:330px;
  height:330px;
  border-radius:50%;
  border:1px solid rgba(81,230,200,.18);
  box-shadow:0 0 0 54px rgba(81,230,200,.04),0 0 0 108px rgba(216,183,106,.035);
  animation:v21FinalHalo 8s ease-in-out infinite alternate;
}
.v16-final-card>*{position:relative;z-index:1}
@keyframes v21FloatOne{from{transform:translate3d(0,0,0) rotate(0deg)}to{transform:translate3d(18px,-28px,0) rotate(18deg)}}
@keyframes v21FloatTwo{from{transform:translate3d(0,0,0) rotate(14deg)}to{transform:translate3d(-24px,18px,0) rotate(28deg)}}
@keyframes v21HeroOrbit{to{transform:translate(-50%,-50%) rotate(351deg)}}
@keyframes v21PanelBreath{from{opacity:.38;transform:rotate(-3deg) scale(.98)}to{opacity:.74;transform:rotate(2deg) scale(1.02)}}
@keyframes v21Scan{from{transform:translateX(-140%)}to{transform:translateX(320%)}}
@keyframes v21FinalHalo{from{transform:scale(.92)}to{transform:scale(1.08) translate(-18px,22px)}}
@media(max-width:900px){
  .v20-section:before{width:130px;height:130px;right:20px;top:42px}
  .v20-home .button{border-radius:15px}
  .v20-split-intro,.v20-inxga-grid,.v20-relationship-grid,.v20-faq-grid{gap:24px}
  .v20-split-intro{margin-bottom:28px}
  .v20-split-intro h2,.v20-relationship-grid h2,.v20-faq-grid h2{margin-bottom:0}
  .v20-service-grid:before{display:none}
  .v20-service-card.featured{position:relative;top:auto;min-height:auto}
  .v20-service-card.featured .v20-icon{position:relative;top:auto;left:auto;width:54px;height:54px;border-radius:18px}
  .v20-service-card:not(.featured):nth-child(even),
  .v20-service-card:not(.featured):nth-child(even):hover{transform:none}
  .v20-service-card:hover,
  .v20-audience-grid article:hover,
  .v20-product-grid article:hover,
  .v20-trust-card-grid article:hover{transform:translateY(-5px)}
}
@media(max-width:620px){
  .v20-home main:before{background-size:48px 48px}
  .v20-hero:before,.v20-hero:after{display:none}
  .v17-hero .v16-kicker{display:flex;text-align:left;align-items:flex-start;border-radius:11px}
  .v20-trust-chips span{border-radius:10px;padding:10px 12px}
  .v20-section:before{opacity:.36;width:98px;height:98px}
  .reveal{transform:translateY(16px);filter:blur(4px)}
  .fx-word{filter:blur(2px)}
  .v20-home .button{min-height:48px;border-radius:14px}
  .v20-point-stack p:hover,.v16-faq-list details:hover{transform:none}
}
@media (prefers-reduced-motion:reduce){
  .reveal,.fx-word{opacity:1!important;transform:none!important;filter:none!important;transition:none!important}
  .v20-hero:before,.v20-hero:after,.v17-market-lines span,.v20-data-orbit i,.v20-platform-visual:after,.v20-device span:after,.v16-final-card:before{animation:none!important}
  .v20-service-card:hover,.v20-audience-grid article:hover,.v20-product-grid article:hover,.v20-trust-card-grid article:hover,.v20-point-stack p:hover,.v16-faq-list details:hover{transform:none!important}
}

/* v22: real-image story moments and proper iconography */
.icon-sprite{position:absolute;width:0;height:0;overflow:hidden}
.v20-home svg{width:1em;height:1em;display:block;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.v20-icon svg,.v20-audience-grid span svg,.v20-product-grid span svg,.v21-trust-icon svg{font-size:25px}
.v21-image-strip{
  display:grid;
  grid-template-columns:1.12fr .94fr .94fr;
  gap:18px;
  margin-bottom:30px;
}
.v21-photo-tile{
  position:relative;
  min-height:285px;
  margin:0;
  border-radius:32px;
  overflow:hidden;
  border:1px solid rgba(0,53,122,.10);
  box-shadow:0 28px 88px rgba(0,31,73,.13);
  background:#061B3B;
  isolation:isolate;
}
.v21-photo-tile.gift-city{min-height:360px;grid-row:span 2}
.v21-photo-tile img{
  width:100%;
  height:100%;
  object-fit:cover;
  display:block;
  transform:scale(1.02);
  transition:transform .72s var(--fx-ease),filter .72s ease;
  filter:saturate(.98) contrast(1.04);
}
.v21-photo-tile:before{
  content:"";
  position:absolute;
  inset:0;
  z-index:1;
  background:linear-gradient(180deg,rgba(6,27,59,.05),rgba(6,27,59,.82));
}
.v21-photo-tile:after{
  content:"";
  position:absolute;
  inset:18px;
  z-index:2;
  border:1px solid rgba(255,255,255,.14);
  border-radius:24px;
  pointer-events:none;
}
.v21-photo-tile:hover img{transform:scale(1.08);filter:saturate(1.05) contrast(1.08)}
.v21-photo-tile figcaption{
  position:absolute;
  left:24px;
  right:24px;
  bottom:24px;
  z-index:3;
  color:#fff;
}
.v21-photo-tile figcaption span,
.v21-trust-visual span{
  display:block;
  margin-bottom:8px;
  color:#51E6C8;
  font-size:11px;
  font-weight:900;
  letter-spacing:.15em;
  text-transform:uppercase;
}
.v21-photo-tile figcaption strong{
  display:block;
  max-width:420px;
  font-size:24px;
  line-height:1.15;
  letter-spacing:-.03em;
}
.v20-service-card.featured{
  background-image:linear-gradient(180deg,rgba(0,38,88,.62),rgba(6,27,59,.96)),url('assets/gift-city-official-1800.jpg');
  background-size:cover;
  background-position:center;
}
.v20-audience-grid article{
  padding-top:132px;
  background-size:cover;
  background-position:center;
}
.v20-audience-grid article:before{
  content:"";
  position:absolute;
  inset:0;
  z-index:0;
  background:linear-gradient(180deg,rgba(6,27,59,.18),rgba(6,27,59,.88));
}
.v20-audience-grid article>*{position:relative;z-index:1}
.v20-audience-grid .audience-retail{background-image:url('https://images.unsplash.com/photo-1563986768494-4dee2763ff3f?auto=format&fit=crop&w=900&q=84')}
.v20-audience-grid .audience-hni{background-image:url('https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=900&q=84')}
.v20-audience-grid .audience-nri{background-image:url('https://images.unsplash.com/photo-1521791136064-7986c2920216?auto=format&fit=crop&w=900&q=84')}
.v20-audience-grid .audience-institution{background-image:url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=900&q=84')}
.v20-audience-grid span{
  background:rgba(255,255,255,.14);
  backdrop-filter:blur(14px);
  border:1px solid rgba(255,255,255,.20);
}
.v20-product-grid span{
  width:58px;
  height:58px;
  grid-template-rows:1fr auto;
  gap:2px;
  font-size:10px;
  letter-spacing:.08em;
}
.v20-product-grid span svg{font-size:23px}
.v20-product-grid span b{font-size:9px;line-height:1}
.v21-platform-photo{
  position:absolute;
  left:34px;
  right:190px;
  bottom:38px;
  height:170px;
  margin:0;
  z-index:2;
  border-radius:24px;
  overflow:hidden;
  border:1px solid rgba(255,255,255,.16);
  box-shadow:0 24px 70px rgba(0,20,60,.26);
}
.v21-platform-photo img{
  width:100%;
  height:100%;
  object-fit:cover;
  display:block;
  opacity:.86;
  filter:saturate(.92) contrast(1.08);
}
.v20-platform-visual:hover .v21-platform-photo img{transform:scale(1.05)}
.v20-platform-visual .v21-platform-photo img{transition:transform .7s var(--fx-ease)}
.v21-relationship-image{
  position:relative;
  margin:30px 0 0;
  min-height:280px;
  border-radius:30px;
  overflow:hidden;
  border:1px solid rgba(0,53,122,.10);
  box-shadow:0 24px 76px rgba(0,31,73,.13);
  background:#061B3B;
}
.v21-relationship-image img{
  width:100%;
  height:100%;
  min-height:280px;
  object-fit:cover;
  display:block;
  filter:saturate(.96) contrast(1.03);
}
.v21-relationship-image:after{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(180deg,rgba(0,53,122,.02),rgba(6,27,59,.70));
}
.v21-relationship-image figcaption{
  position:absolute;
  z-index:2;
  left:20px;
  right:20px;
  bottom:20px;
  padding:16px 18px;
  border-radius:18px;
  background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.16);
  backdrop-filter:blur(14px);
  color:#fff;
  font-weight:900;
  line-height:1.35;
}
.v21-trust-visual{
  margin-top:-8px;
  margin-bottom:28px;
}
.v21-trust-visual figure{
  position:relative;
  margin:0;
  min-height:340px;
  border-radius:34px;
  overflow:hidden;
  border:1px solid rgba(255,255,255,.14);
  box-shadow:0 34px 110px rgba(0,20,60,.30);
  background:#061B3B;
}
.v21-trust-visual img{
  width:100%;
  height:100%;
  min-height:340px;
  object-fit:cover;
  display:block;
  opacity:.78;
  filter:saturate(.96) contrast(1.06);
}
.v21-trust-visual figure:after{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(90deg,rgba(6,27,59,.88),rgba(6,27,59,.30));
}
.v21-trust-visual figcaption{
  position:absolute;
  z-index:2;
  left:34px;
  bottom:34px;
  max-width:520px;
  color:#fff;
}
.v21-trust-visual strong{
  display:block;
  font-size:34px;
  line-height:1.08;
  letter-spacing:-.04em;
}
.v21-trust-icon{
  display:grid;
  place-items:center;
  width:46px;
  height:46px;
  border-radius:16px;
  margin-bottom:18px;
  color:#06233c;
  background:linear-gradient(135deg,#51E6C8,#D8B76A);
  box-shadow:0 16px 40px rgba(0,20,60,.20);
}
.v20-trust-card-grid article>*{position:relative;z-index:1}
@media(max-width:1120px){
  .v21-image-strip{grid-template-columns:1fr 1fr}
  .v21-photo-tile.gift-city{grid-column:1 / -1;grid-row:auto}
}
@media(max-width:900px){
  .v21-image-strip{grid-template-columns:1fr;margin-bottom:24px}
  .v21-photo-tile,.v21-photo-tile.gift-city{min-height:300px}
  .v21-platform-photo{left:24px;right:24px;bottom:24px;height:138px}
  .v20-audience-grid article{padding-top:118px}
}

/* v23 founder correction pass: financial motion, tighter layouts, image-led trust */
.v20-home .button:after,
.v20-hero:before,
.v20-hero:after,
.v20-section:before,
.v20-trust-chips,
.v20-data-orbit,
.v20-device,
.v21-trust-visual,
.v21-relationship-image,
.v16-final-card:before{display:none!important}
.v20-home .button{gap:0}
.v17-banner-image{
  background-image:url('assets/gift-city-official-1800.jpg')!important;
  background-position:center 46%;
  opacity:.82;
  animation:none!important;
}
.v17-banner-overlay{
  background:linear-gradient(100deg,rgba(3,18,43,.88) 0%,rgba(0,53,122,.70) 48%,rgba(6,27,59,.88) 100%),linear-gradient(180deg,rgba(6,27,59,.18),rgba(6,27,59,.72))!important;
}
.v17-market-lines{
  inset:0;
  background-image:linear-gradient(90deg,transparent 0,rgba(81,230,200,.26) 45%,transparent 72%),linear-gradient(90deg,transparent 0,rgba(216,183,106,.20) 38%,transparent 66%);
  background-size:42% 1px,34% 1px;
  background-position:-42% 31%,134% 67%;
  background-repeat:no-repeat;
  animation:v23MarketSweep 8.5s linear infinite;
}
.v17-market-lines:before,
.v17-market-lines:after{
  content:"";
  position:absolute;
  left:-12vw;
  right:-12vw;
  height:1px;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,.10),rgba(81,230,200,.36),rgba(216,183,106,.26),transparent);
  transform:skewY(-9deg);
  animation:v23TickerRail 13s linear infinite;
}
.v17-market-lines:before{top:38%}
.v17-market-lines:after{top:58%;animation-duration:17s;animation-delay:-5s;opacity:.72}
.v17-market-lines span{
  left:-20%;
  top:auto;
  width:140%;
  height:1px;
  border:0;
  border-radius:0;
  background:linear-gradient(90deg,transparent,rgba(81,230,200,.18),rgba(255,255,255,.24),transparent);
  filter:none;
  animation:v23TickerRail 18s linear infinite!important;
}
.v17-market-lines span:nth-child(1){bottom:28%;transform:skewY(7deg)}
.v17-market-lines span:nth-child(2){bottom:44%;transform:skewY(-5deg);animation-duration:22s!important;animation-delay:-7s}
.v17-market-lines span:nth-child(3){bottom:72%;transform:skewY(4deg);animation-duration:26s!important;animation-delay:-11s}
.v17-hero .v16-kicker{
  background:transparent!important;
  border:0!important;
  box-shadow:none!important;
  backdrop-filter:none!important;
  padding:0!important;
}
.v17-hero .v16-kicker:before{display:none!important}
.v17-hero h1 span,
.v17-hero .v16-lede,
.v17-actions{
  clip-path:inset(0 0 100% 0);
  animation:v23TextReveal .86s cubic-bezier(.2,.8,.2,1) forwards!important;
}
.v17-hero h1 span:nth-child(2){animation-delay:.16s!important}
.v17-hero .v16-lede{animation-delay:.38s!important}
.v17-actions{animation-delay:.58s!important}
.v20-services .v20-split-intro{margin-bottom:24px}
.v20-services .v20-intro-copy{
  align-self:start;
  padding-top:52px;
}
.v20-service-grid{
  grid-template-columns:repeat(3,minmax(0,1fr))!important;
  gap:18px!important;
}
.v20-service-grid:before{display:none!important}
.v20-service-card,
.v20-service-card.featured,
.v20-service-card:not(.featured){
  position:relative!important;
  top:auto!important;
  min-height:315px!important;
  display:block!important;
  background:linear-gradient(145deg,#fff,#F7FBFF)!important;
  color:#102033!important;
  transform:none!important;
}
.v20-service-card h3,
.v20-service-card.featured h3{color:#102033!important;font-size:24px!important}
.v20-service-card p,
.v20-service-card.featured p{color:#536077!important}
.v20-service-card small,
.v20-service-card.featured small{color:#00357A!important;margin-top:0!important}
.v20-service-card .v20-icon,
.v20-service-card.featured .v20-icon{
  position:relative!important;
  top:auto!important;
  left:auto!important;
  width:54px!important;
  height:54px!important;
  border-radius:18px!important;
  background:linear-gradient(145deg,#00357A,#061B3B)!important;
  color:#fff!important;
}
.v20-service-card:nth-child(2n) .v20-icon{background:linear-gradient(145deg,#009b8b,#51E6C8)!important;color:#06233c!important}
.v20-service-card:nth-child(3n) .v20-icon{background:linear-gradient(145deg,#8d6b25,#D8B76A)!important;color:#fff!important}
.v20-platform-visual.v23-inxga-collage{
  display:grid!important;
  grid-template-columns:1.08fr .82fr;
  grid-template-rows:1fr 1fr;
  gap:16px;
  min-height:540px;
  border-radius:32px;
  padding:16px;
  background:#061B3B!important;
  box-shadow:0 34px 100px rgba(0,31,73,.22);
}
.v20-platform-visual.v23-inxga-collage:before,
.v20-platform-visual.v23-inxga-collage:after{display:none!important}
.v23-inxga-collage figure{
  position:relative;
  margin:0;
  overflow:hidden;
  border-radius:24px;
  min-height:0;
}
.v23-inxga-collage img{width:100%;height:100%;object-fit:cover;display:block;filter:saturate(.96) contrast(1.04)}
.v23-collage-main{grid-row:1 / -1}
.v23-inxga-collage figcaption{
  position:absolute;
  left:14px;
  right:14px;
  bottom:14px;
  padding:10px 12px;
  border-radius:14px;
  background:rgba(6,27,59,.66);
  color:#fff;
  font-size:12px;
  font-weight:900;
  border:1px solid rgba(255,255,255,.16);
}
.v20-relationship-grid{grid-template-columns:.9fr 1.1fr}
.v20-trust-snapshot .v20-split-intro{
  position:relative;
  display:grid;
  grid-template-columns:1fr;
  min-height:440px;
  margin-bottom:34px;
  padding:56px;
  border-radius:34px;
  overflow:hidden;
  background:linear-gradient(105deg,rgba(3,18,43,.88),rgba(0,53,122,.58),rgba(6,27,59,.80)),url('assets/gift-city-official-1800.jpg') center/cover no-repeat;
  box-shadow:0 34px 100px rgba(0,20,60,.26);
}
.v20-trust-snapshot .v20-split-intro>*{position:relative;z-index:1;max-width:790px}
.v20-trust-snapshot .v20-split-intro h2{color:#fff!important;font-size:clamp(38px,4.8vw,68px)}
.v20-trust-snapshot .v20-intro-copy p{font-size:18px;color:rgba(255,255,255,.82)!important;max-width:760px}
.v20-faq-grid{
  grid-template-columns:1fr!important;
  gap:30px!important;
}
.v23-faq-heading{text-align:center;max-width:760px;margin:0 auto}
.v20-faq-grid .v16-faq-list{max-width:960px;width:100%;margin:0 auto}
.v16-final-card .v16-actions{
  flex-direction:column;
  align-items:stretch;
  min-width:230px;
}
.v16-final-card .button{width:100%}
@keyframes v23HeroPan{from{transform:scale(1.03) translate3d(0,0,0)}to{transform:scale(1.09) translate3d(-1.6%,0,0)}}
@keyframes v23MarketSweep{to{background-position:142% 31%,-34% 67%}}
@keyframes v23TickerRail{from{transform:translateX(-8%) skewY(var(--rail-skew, -9deg))}to{transform:translateX(8%) skewY(var(--rail-skew, -9deg))}}
@keyframes v23TextReveal{to{clip-path:inset(0 0 0 0)}}
@media(max-width:1120px){
  .v20-service-grid{grid-template-columns:repeat(2,minmax(0,1fr))!important}
}
@media(max-width:900px){
  .v20-inxga-grid,.v20-relationship-grid{grid-template-columns:1fr!important}
  .v20-platform-visual.v23-inxga-collage{min-height:460px}
  .v20-trust-snapshot .v20-split-intro{min-height:390px;padding:38px}
}
@media(max-width:620px){
  .v17-hero h1 span{display:block!important}
  .v20-service-grid{grid-template-columns:1fr!important}
  .v20-service-card,.v20-service-card:not(.featured){min-height:auto!important}
  .v20-platform-visual.v23-inxga-collage{grid-template-columns:1fr;grid-template-rows:auto;min-height:auto;border-radius:26px}
  .v23-inxga-collage figure{min-height:210px}
  .v23-collage-main{grid-row:auto}
  .v20-trust-snapshot .v20-split-intro{padding:28px;min-height:420px;align-content:end}
  .v16-final-card .v16-actions{min-width:0;width:100%}
}
@media (prefers-reduced-motion:reduce){
  .v17-banner-image,.v17-market-lines,.v17-market-lines:before,.v17-market-lines:after,.v17-market-lines span,.v17-hero h1 span,.v17-hero .v16-lede,.v17-actions{animation:none!important;clip-path:none!important}
}
@media(max-width:620px){
  .v21-photo-tile,.v21-photo-tile.gift-city{min-height:250px;border-radius:24px}
  .v21-photo-tile figcaption{left:18px;right:18px;bottom:18px}
  .v21-photo-tile figcaption strong{font-size:20px}
  .v21-platform-photo{display:none}
  .v20-audience-grid article{min-height:320px;padding-top:124px}
  .v21-relationship-image{min-height:230px;border-radius:24px}
  .v21-relationship-image img{min-height:230px}
  .v21-trust-visual figure{min-height:280px;border-radius:24px}
  .v21-trust-visual img{min-height:280px}
  .v21-trust-visual figcaption{left:22px;right:22px;bottom:22px}
  .v21-trust-visual strong{font-size:25px}
}

/* v25: shared page system for supplied VRTS content pages */
.vrts-subpage{
  background:#fff;
}
.vrts-subpage .nav-links a{
  position:relative;
  padding:8px 0;
}
.vrts-subpage .nav-links a:after{
  content:"";
  position:absolute;
  left:0;
  right:0;
  bottom:2px;
  height:2px;
  border-radius:999px;
  background:linear-gradient(90deg,#51E6C8,#D8B76A);
  transform:scaleX(0);
  transform-origin:left;
  transition:transform .18s ease;
}
.vrts-subpage .nav-links a:hover:after{transform:scaleX(1)}
.page-hero{
  position:relative;
  min-height:760px;
  display:grid;
  align-items:center;
  padding:150px 0 96px;
  overflow:hidden;
  color:#fff;
  background:#061B3B;
}
.page-hero:before{
  content:"";
  position:absolute;
  inset:0;
  background-size:cover;
  background-position:center;
  opacity:.78;
  filter:saturate(.96) contrast(1.04);
}
.page-hero:after{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(105deg,rgba(3,18,43,.92),rgba(0,53,122,.72),rgba(6,27,59,.88)),linear-gradient(180deg,rgba(6,27,59,.08),rgba(6,27,59,.70));
}
.page-hero .container{
  position:relative;
  z-index:1;
  max-width:1050px;
}
.page-hero h1{
  max-width:980px;
  color:#fff;
  font-size:clamp(48px,6vw,86px);
  line-height:1.01;
  letter-spacing:0;
  margin-bottom:24px;
}
.page-hero p:not(.v16-kicker){
  max-width:790px;
  color:rgba(255,255,255,.86);
  font-size:20px;
}
.page-actions{
  display:flex;
  flex-wrap:wrap;
  gap:14px;
  margin-top:30px;
}
.page-actions .v16-secondary{
  border-color:rgba(255,255,255,.46);
  color:#fff;
}
.about-page-hero:before{background-image:url('assets/gift-city-official-1800.jpg')}
.inxga-page-hero:before{background-image:url('https://images.unsplash.com/photo-1551288049-bebda4e38f71?auto=format&fit=crop&w=2200&q=88')}
.who-page-hero:before{background-image:url('https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=2200&q=88')}
.trust-page-hero:before,.legal-hero:before{background-image:url('assets/gift-city-official-1800.jpg')}
.contact-page-hero:before{background-image:url('https://images.unsplash.com/photo-1556761175-b413da4baf72?auto=format&fit=crop&w=2200&q=88')}
.page-section{
  position:relative;
  padding:100px 0;
  background:#fff;
}
.page-mist{
  background:#EEF5FF;
}
.page-dark{
  background:linear-gradient(135deg,#00357A,#061B3B);
  color:#fff;
}
.page-dark h2,
.page-dark h3{color:#fff}
.page-dark p,
.page-dark li{color:rgba(255,255,255,.78)}
.page-split{
  display:grid;
  grid-template-columns:.9fr 1.1fr;
  gap:72px;
  align-items:start;
}
.page-split h2,
.page-heading h2{
  font-size:clamp(36px,4.4vw,64px);
  line-height:1.04;
  letter-spacing:0;
}
.page-copy p{
  font-size:18px;
  color:#526278;
}
.page-copy p:last-child{margin-bottom:0}
.page-heading.centered{
  text-align:center;
  max-width:900px;
  margin:0 auto 48px;
}
.page-card-grid{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:18px;
}
.page-card-grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}
.page-card-grid.five{grid-template-columns:repeat(5,minmax(0,1fr))}
.page-card-grid article{
  min-height:250px;
  border:1px solid rgba(0,53,122,.10);
  border-radius:26px;
  padding:26px;
  background:linear-gradient(145deg,#fff,#F7FBFF);
  box-shadow:0 18px 54px rgba(0,31,73,.09);
}
.page-card-grid article span{
  display:grid;
  place-items:center;
  width:46px;
  height:46px;
  margin-bottom:22px;
  border-radius:16px;
  background:linear-gradient(145deg,#00357A,#061B3B);
  color:#fff;
  font-weight:900;
  font-size:13px;
}
.page-card-grid article:nth-child(2n) span{background:linear-gradient(145deg,#009b8b,#51E6C8);color:#06233c}
.page-card-grid article:nth-child(3n) span{background:linear-gradient(145deg,#8d6b25,#D8B76A)}
.page-card-grid h3{
  font-size:23px;
  line-height:1.14;
}
.page-card-grid p{
  color:#536077;
  margin-bottom:0;
}
.page-steps,
.page-list{
  margin:0;
  padding-left:22px;
  color:#536077;
  line-height:1.8;
}
.access-stepper{
  position:relative;
  display:grid;
  gap:14px;
  padding:0 0 0 32px!important;
  list-style:none;
  counter-reset:access-step;
}
.access-stepper:before{
  content:"";
  position:absolute;
  left:23px;
  top:30px;
  bottom:30px;
  width:2px;
  border-radius:999px;
  background:linear-gradient(180deg,rgba(81,230,200,.88),rgba(216,183,106,.74),rgba(53,200,255,.30));
  box-shadow:0 0 28px rgba(81,230,200,.24);
}
.access-stepper li{
  position:relative;
  display:grid;
  grid-template-columns:50px 1fr;
  gap:16px;
  align-items:center;
  min-height:76px;
  padding:16px 18px 16px 18px;
  border-radius:24px;
  background:linear-gradient(145deg,rgba(255,255,255,.15),rgba(255,255,255,.055));
  border:1px solid rgba(255,255,255,.18);
  box-shadow:
    0 24px 72px rgba(0,20,60,.28),
    inset 0 1px 0 rgba(255,255,255,.22),
    inset 0 -14px 26px rgba(0,0,0,.10);
  overflow:hidden;
  backdrop-filter:blur(16px);
  transition:transform .24s ease,border-color .24s ease,box-shadow .24s ease;
}
.access-stepper li:before{
  content:"";
  position:absolute;
  inset:0;
  pointer-events:none;
  background:
    linear-gradient(120deg,rgba(255,255,255,.24),rgba(255,255,255,.04) 34%,transparent 58%),
    radial-gradient(circle at 88% 18%,rgba(81,230,200,.16),transparent 34%);
  mix-blend-mode:screen;
}
.access-stepper li:hover{
  transform:translateX(8px);
  border-color:rgba(81,230,200,.38);
  box-shadow:
    0 30px 88px rgba(0,20,60,.36),
    inset 0 1px 0 rgba(255,255,255,.28),
    inset 0 -16px 30px rgba(0,0,0,.12);
}
.access-stepper span{
  position:relative;
  z-index:1;
  display:grid;
  place-items:center;
  width:46px;
  height:46px;
  margin-left:-12px;
  border-radius:17px;
  background:linear-gradient(145deg,#51E6C8,#D8B76A);
  color:#06233c;
  font-size:13px;
  font-weight:900;
  box-shadow:
    0 18px 42px rgba(81,230,200,.22),
    inset 0 1px 0 rgba(255,255,255,.38),
    inset 0 -10px 18px rgba(0,0,0,.12);
}
.access-stepper p{
  position:relative;
  z-index:1;
  margin:0;
  color:rgba(255,255,255,.88)!important;
  font-size:17px;
  font-weight:800;
  line-height:1.45;
}
.page-note{
  border-left:4px solid #51E6C8;
  padding:14px 16px;
  border-radius:0 16px 16px 0;
  background:#fff;
  font-size:14px!important;
  font-weight:800;
}
.contact-layout{
  display:grid;
  grid-template-columns:.9fr 1.1fr;
  gap:64px;
  align-items:start;
}
.vrts-subpage .contact-form{
  border-radius:28px;
  padding:28px;
  box-shadow:0 24px 74px rgba(0,31,73,.12);
}
.checkline{
  display:grid;
  grid-template-columns:18px 1fr;
  gap:10px;
  align-items:start;
  font-size:12px;
  line-height:1.5;
}
.checkline input{
  width:18px;
  margin:2px 0 0;
}
.button.full{width:100%}
.legal-content{
  max-width:940px;
}
.legal-content article{
  padding:30px 0;
  border-bottom:1px solid rgba(0,53,122,.10);
}
.legal-content article:first-child{padding-top:0}
.legal-content h2{
  font-size:clamp(28px,3vw,42px);
  letter-spacing:0;
}
.legal-content p,
.legal-content li{
  color:#526278;
  font-size:17px;
}
.vrts-subpage .footer-disclaimer a{
  display:inline;
  margin:0;
  color:#fff;
  text-decoration:underline;
  text-underline-offset:3px;
}
@media(max-width:1120px){
  .page-card-grid.four,.page-card-grid.five{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:900px){
  .page-hero{min-height:680px;padding:132px 0 72px}
  .page-split,.contact-layout{grid-template-columns:1fr;gap:34px}
  .page-card-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .page-section{padding:76px 0}
  .access-stepper{padding-left:28px!important}
}
@media(max-width:620px){
  .page-hero{min-height:100svh;padding:118px 0 58px}
  .page-hero h1{font-size:38px;line-height:1.08}
  .page-hero p:not(.v16-kicker){font-size:16px}
  .page-actions{display:grid;grid-template-columns:1fr}
  .page-card-grid,.page-card-grid.four,.page-card-grid.five{grid-template-columns:1fr}
  .page-card-grid article{min-height:auto}
  .contact-layout{gap:26px}
  .vrts-subpage .contact-form{padding:20px}
  .access-stepper{gap:12px;padding-left:24px!important}
  .access-stepper li{grid-template-columns:42px 1fr;padding:14px;border-radius:20px}
  .access-stepper span{width:40px;height:40px;margin-left:-8px;border-radius:15px}
  .access-stepper p{font-size:15px}
}

/* v27: founder polish - supplied finance hero, stronger nav, glossy premium surfaces */
.v20-home .nav,
.vrts-subpage .nav{
  background:linear-gradient(180deg,rgba(0,61,137,.86),rgba(3,27,67,.76))!important;
  border-color:rgba(255,255,255,.28)!important;
  box-shadow:0 24px 80px rgba(0,16,45,.34),inset 0 1px 0 rgba(255,255,255,.34),inset 0 -1px 0 rgba(81,230,200,.10)!important;
}
.v20-home .nav:before,
.vrts-subpage .nav:before{
  content:"";
  position:absolute;
  left:18px;
  right:18px;
  top:7px;
  height:1px;
  border-radius:999px;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,.55),transparent);
  pointer-events:none;
}
.v20-home .nav-links a,
.vrts-subpage .nav-links a{
  font-size:13.5px!important;
  font-weight:900!important;
  color:rgba(255,255,255,.94)!important;
  text-shadow:0 1px 14px rgba(0,20,60,.22);
}
.v20-home .nav-cta,
.vrts-subpage .nav-cta{
  font-weight:900!important;
  box-shadow:0 18px 48px rgba(255,255,255,.13),inset 0 1px 0 rgba(255,255,255,.95)!important;
}
.v20-home .brand-mark,
.vrts-subpage .brand-mark{
  box-shadow:inset 0 1px 0 rgba(255,255,255,.34),inset 0 -10px 24px rgba(0,20,60,.20),0 12px 36px rgba(0,20,60,.18);
}
.v20-home .v17-banner-image{
  background-image:url('assets/vrts-corporate-finance-hero.jpg')!important;
  background-position:center center!important;
  opacity:.92!important;
  filter:saturate(1.03) contrast(1.06);
}
.v20-home .v17-banner-overlay{
  background:linear-gradient(100deg,rgba(3,18,43,.90) 0%,rgba(0,53,122,.58) 48%,rgba(6,27,59,.82) 100%),linear-gradient(180deg,rgba(255,255,255,.05),rgba(6,27,59,.70))!important;
}
.v20-home .v20-hero{
  background:linear-gradient(135deg,#00357A,#061B3B)!important;
}
.v20-home .v20-hero:after{
  content:"";
  position:absolute;
  inset:0;
  z-index:2;
  pointer-events:none;
  background:linear-gradient(115deg,rgba(255,255,255,.22) 0%,rgba(255,255,255,.05) 22%,transparent 46%),radial-gradient(circle at 54% 28%,rgba(255,255,255,.16),transparent 34%),linear-gradient(180deg,rgba(255,255,255,.07),transparent 38%);
  mix-blend-mode:screen;
  opacity:.72;
}
.v20-home .v17-hero-content{
  z-index:4;
}
.v20-home .v17-hero h1{
  text-shadow:0 24px 70px rgba(0,10,32,.42),0 2px 1px rgba(255,255,255,.06);
}
.v20-home .v16-primary,
.v20-home .light-actions .v16-primary.dark-text,
.v20-home .v16-final-card .v16-primary,
.vrts-subpage .v16-primary{
  background:linear-gradient(180deg,#fff 0%,#ECFAFF 58%,#DFF3EA 100%)!important;
  border:1px solid rgba(255,255,255,.78)!important;
  box-shadow:0 20px 54px rgba(0,31,73,.18),inset 0 1px 0 rgba(255,255,255,.98),inset 0 -10px 20px rgba(0,53,122,.06)!important;
}
.v20-home .v16-secondary,
.v20-home .v16-final-card .v16-secondary,
.vrts-subpage .v16-secondary{
  background:linear-gradient(180deg,rgba(255,255,255,.13),rgba(255,255,255,.035))!important;
  border-color:rgba(255,255,255,.32)!important;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.26),0 16px 42px rgba(0,20,60,.14)!important;
}
.v20-home .v20-service-card,
.v20-home .v20-product-grid article,
.v20-home .v16-faq-list details,
.vrts-subpage .page-card-grid article,
.vrts-subpage .contact-form,
.vrts-subpage .v16-faq-list details{
  background:linear-gradient(145deg,rgba(255,255,255,.98),rgba(247,251,255,.91))!important;
  border-color:rgba(255,255,255,.76)!important;
  box-shadow:0 22px 68px rgba(0,31,73,.12),inset 0 1px 0 rgba(255,255,255,.92),inset 0 -1px 0 rgba(0,53,122,.05)!important;
}
.v20-home .v20-services,
.v20-home .v20-products,
.vrts-subpage .page-section:not(.page-dark):not(.page-mist):not(.v16-final-cta){
  background:linear-gradient(180deg,#fff 0%,#F8FCFF 52%,#fff 100%)!important;
}
.v20-home .v20-inxga,
.v20-home .v20-faqs,
.vrts-subpage .page-mist{
  background:linear-gradient(180deg,#F1F7FF 0%,#EAF3FF 54%,#F8FCFF 100%)!important;
}
.v20-home .v20-audiences,
.v20-home .v20-trust-snapshot,
.v20-home .v16-final-cta,
.vrts-subpage .page-dark{
  background:linear-gradient(135deg,#00357A 0%,#08295E 48%,#061B3B 100%)!important;
}
.v20-home .v20-audiences:after,
.v20-home .v20-trust-snapshot:after,
.v20-home .v16-final-cta:after,
.vrts-subpage .page-dark:after{
  content:"";
  position:absolute;
  inset:0;
  pointer-events:none;
  background:linear-gradient(115deg,rgba(255,255,255,.12),transparent 34%),radial-gradient(circle at 22% 12%,rgba(81,230,200,.14),transparent 30%);
  mix-blend-mode:screen;
}
.v20-home .v20-audiences .container,
.v20-home .v20-trust-snapshot .container,
.v20-home .v16-final-cta .container,
.vrts-subpage .page-dark .container{
  position:relative;
  z-index:1;
}
@media(max-width:620px){
  .v20-home .nav-links a,
  .vrts-subpage .nav-links a{font-size:15px!important}
  .v20-home .v17-banner-image{
    background-position:center center!important;
    opacity:.86!important;
  }
  .v20-home .v17-banner-overlay{
    background:linear-gradient(135deg,rgba(3,18,43,.80),rgba(0,53,122,.62),rgba(6,27,59,.82)),linear-gradient(180deg,rgba(6,27,59,.04),rgba(6,27,59,.60))!important;
  }
}

/* v28: dark gradient text contrast correction */
.v20-home .v20-audiences p,
.v20-home .v20-audiences li,
.v20-home .v20-trust-snapshot p,
.v20-home .v20-trust-snapshot li,
.v20-home .v16-final-cta p,
.v20-home .v16-final-cta li,
.vrts-subpage .page-dark p,
.vrts-subpage .page-dark li,
.vrts-subpage .page-dark .page-copy p,
.vrts-subpage .page-dark .page-copy li{
  color:rgba(255,255,255,.86)!important;
}
.v20-home .v20-audience-grid p,
.v20-home .v20-trust-card-grid p,
.v20-home .v16-final-card p,
.vrts-subpage .page-dark .page-copy p{
  color:rgba(255,255,255,.84)!important;
}
.v20-home .v20-audiences .v16-kicker,
.v20-home .v20-trust-snapshot .v16-kicker,
.v20-home .v16-final-cta .v16-kicker,
.vrts-subpage .page-dark .v16-kicker{
  color:#51E6C8!important;
}
.v20-home .footer p,
.vrts-subpage .footer p{
  color:rgba(255,255,255,.72)!important;
}
.v20-home .footer-disclaimer p,
.vrts-subpage .footer-disclaimer p{
  color:rgba(255,255,255,.68)!important;
}
.v20-home .footer a,
.vrts-subpage .footer a{
  color:rgba(255,255,255,.84)!important;
}
.v20-home .footer-meta,
.vrts-subpage .footer-meta,
.footer .footer-meta{
  margin-top:18px;
  padding:16px 18px;
  border-radius:18px;
  background:rgba(255,255,255,.075);
  border:1px solid rgba(255,255,255,.12);
  color:rgba(255,255,255,.78)!important;
  font-size:13px!important;
  line-height:1.65!important;
  max-width:620px;
}
.v20-home .footer-meta strong,
.vrts-subpage .footer-meta strong,
.footer .footer-meta strong{
  color:#fff;
}

/* v35: Contact map integration */
.vrts-subpage .contact-map-split{
  align-items:start;
}
.vrts-subpage .contact-location-note{
  position:relative;
  margin-top:34px;
  max-width:520px;
  padding:24px 26px;
  border-radius:26px;
  background:linear-gradient(145deg,rgba(255,255,255,.14),rgba(255,255,255,.045));
  border:1px solid rgba(255,255,255,.18);
  box-shadow:
    0 28px 80px rgba(0,20,60,.30),
    inset 0 1px 0 rgba(255,255,255,.22),
    inset 0 -16px 30px rgba(0,0,0,.10);
  overflow:hidden;
}
.vrts-subpage .contact-location-note:before{
  content:"";
  position:absolute;
  inset:0;
  pointer-events:none;
  background:
    linear-gradient(120deg,rgba(255,255,255,.24),rgba(255,255,255,.04) 34%,transparent 58%),
    radial-gradient(circle at 82% 20%,rgba(81,230,200,.18),transparent 34%);
  mix-blend-mode:screen;
}
.vrts-subpage .contact-location-note p{
  position:relative;
  z-index:1;
  margin:0 0 12px;
  color:rgba(255,255,255,.84)!important;
  font-size:17px;
  line-height:1.68;
}
.vrts-subpage .contact-location-note p:last-child{
  margin-bottom:0;
}
.vrts-subpage .contact-location-note a{
  color:#51E6C8;
  font-weight:900;
  text-decoration:none;
}
.vrts-subpage .contact-map-card{
  position:relative;
  display:grid;
  grid-template-rows:330px auto;
  gap:0;
  padding:0!important;
  margin:0;
  border-radius:34px;
  overflow:hidden;
  background:linear-gradient(145deg,rgba(255,255,255,.16),rgba(255,255,255,.055));
  border:1px solid rgba(255,255,255,.20);
  box-shadow:
    0 38px 110px rgba(0,20,60,.36),
    inset 0 1px 0 rgba(255,255,255,.24),
    inset 0 -18px 34px rgba(0,0,0,.12);
  backdrop-filter:blur(18px);
}
.vrts-subpage .contact-map-card:before{
  content:"";
  position:absolute;
  inset:0;
  z-index:1;
  pointer-events:none;
  background:
    linear-gradient(120deg,rgba(255,255,255,.22),rgba(255,255,255,.04) 32%,transparent 58%),
    radial-gradient(circle at 78% 12%,rgba(81,230,200,.16),transparent 34%);
  mix-blend-mode:screen;
}
.vrts-subpage .contact-map-card iframe{
  position:relative;
  z-index:0;
  width:100%;
  height:100%;
  min-height:320px;
  border:0;
  filter:saturate(.92) contrast(1.02);
}
.vrts-subpage .contact-map-details{
  position:relative;
  z-index:2;
  padding:26px 28px 28px;
  background:linear-gradient(180deg,rgba(6,27,59,.96),rgba(3,17,41,.98));
  border-top:1px solid rgba(255,255,255,.14);
}
.vrts-subpage .contact-map-details .v16-kicker{
  margin-bottom:12px;
}
.vrts-subpage .contact-map-details h3{
  margin:0 0 16px;
  color:#fff;
  font-size:25px;
  line-height:1.22;
}
.vrts-subpage .contact-map-details p{
  margin:0 0 10px!important;
  color:rgba(255,255,255,.82)!important;
  font-size:16px;
  line-height:1.6;
}
.vrts-subpage .contact-map-details p:last-child{
  margin-bottom:0!important;
}
.vrts-subpage .contact-map-details a{
  color:#51E6C8;
  font-weight:900;
  text-decoration:none;
}
@media(max-width:620px){
  .vrts-subpage .contact-map-card{
    grid-template-rows:260px auto;
    border-radius:26px;
  }
  .vrts-subpage .contact-map-card iframe{
    min-height:260px;
  }
  .vrts-subpage .contact-map-details{
    padding:22px;
  }
  .vrts-subpage .contact-location-note{
    margin-top:24px;
    padding:20px;
    border-radius:22px;
  }
  .vrts-subpage .contact-map-details h3{
    font-size:20px;
  }
}

/* v29: premium glossy 3D card system */
.v20-home .v20-service-card,
.v20-home .v20-product-grid article,
.v20-home .v20-point-stack p,
.v20-home .v16-faq-list details,
.vrts-subpage .page-card-grid article,
.vrts-subpage .trust-card-grid article,
.vrts-subpage .pillar-grid article,
.vrts-subpage .risk-grid article,
.vrts-subpage .process-grid article,
.vrts-subpage .flow-row article,
.vrts-subpage .approval-card,
.vrts-subpage .no-claims-card,
.vrts-subpage .contact-form,
.vrts-subpage .v16-faq-list details,
.vrts-subpage .faq-list details{
  position:relative!important;
  overflow:hidden!important;
  background:
    linear-gradient(145deg,rgba(255,255,255,.99) 0%,rgba(248,252,255,.94) 48%,rgba(232,242,255,.88) 100%)!important;
  border:1px solid rgba(255,255,255,.82)!important;
  box-shadow:
    0 30px 80px rgba(0,31,73,.14),
    0 10px 24px rgba(0,53,122,.08),
    inset 0 1px 0 rgba(255,255,255,.98),
    inset 0 -18px 34px rgba(0,53,122,.055)!important;
  transform:translateZ(0)!important;
  transition:transform .28s cubic-bezier(.2,.8,.2,1),box-shadow .28s ease,border-color .28s ease,background .28s ease!important;
}
.v20-home .v20-service-card:before,
.v20-home .v20-product-grid article:before,
.v20-home .v20-point-stack p:after,
.v20-home .v16-faq-list details:before,
.vrts-subpage .page-card-grid article:before,
.vrts-subpage .trust-card-grid article:before,
.vrts-subpage .pillar-grid article:before,
.vrts-subpage .risk-grid article:before,
.vrts-subpage .process-grid article:before,
.vrts-subpage .flow-row article:before,
.vrts-subpage .approval-card:before,
.vrts-subpage .no-claims-card:before,
.vrts-subpage .contact-form:before,
.vrts-subpage .v16-faq-list details:before,
.vrts-subpage .faq-list details:before{
  content:"";
  position:absolute;
  inset:0;
  pointer-events:none;
  background:
    linear-gradient(122deg,rgba(255,255,255,.78) 0%,rgba(255,255,255,.22) 18%,transparent 42%),
    radial-gradient(circle at 82% 12%,rgba(81,230,200,.18),transparent 30%),
    radial-gradient(circle at 14% 88%,rgba(216,183,106,.12),transparent 34%);
  mix-blend-mode:screen;
  opacity:.78;
  transition:opacity .28s ease,transform .28s ease;
}
.v20-home .v20-service-card:after,
.v20-home .v20-product-grid article:after,
.vrts-subpage .page-card-grid article:after,
.vrts-subpage .trust-card-grid article:after,
.vrts-subpage .pillar-grid article:after,
.vrts-subpage .risk-grid article:after,
.vrts-subpage .process-grid article:after,
.vrts-subpage .flow-row article:after{
  content:"";
  position:absolute;
  left:18px;
  right:18px;
  bottom:0;
  height:3px;
  border-radius:999px 999px 0 0;
  background:linear-gradient(90deg,#51E6C8,#D8B76A,#35C8FF);
  opacity:.62;
  transform:scaleX(.52);
  transform-origin:left;
  transition:transform .28s ease,opacity .28s ease;
}
.v20-home .v20-service-card>*,
.v20-home .v20-product-grid article>*,
.v20-home .v20-point-stack p>*,
.v20-home .v16-faq-list details>*,
.vrts-subpage .page-card-grid article>*,
.vrts-subpage .trust-card-grid article>*,
.vrts-subpage .pillar-grid article>*,
.vrts-subpage .risk-grid article>*,
.vrts-subpage .process-grid article>*,
.vrts-subpage .flow-row article>*,
.vrts-subpage .approval-card>*,
.vrts-subpage .no-claims-card>*,
.vrts-subpage .contact-form>*,
.vrts-subpage .v16-faq-list details>*,
.vrts-subpage .faq-list details>*{
  position:relative;
  z-index:1;
}
.v20-home .v20-service-card:hover,
.v20-home .v20-product-grid article:hover,
.v20-home .v20-point-stack p:hover,
.v20-home .v16-faq-list details:hover,
.vrts-subpage .page-card-grid article:hover,
.vrts-subpage .trust-card-grid article:hover,
.vrts-subpage .pillar-grid article:hover,
.vrts-subpage .risk-grid article:hover,
.vrts-subpage .process-grid article:hover,
.vrts-subpage .flow-row article:hover,
.vrts-subpage .approval-card:hover,
.vrts-subpage .no-claims-card:hover,
.vrts-subpage .contact-form:hover,
.vrts-subpage .v16-faq-list details:hover,
.vrts-subpage .faq-list details:hover{
  transform:translateY(-8px) perspective(900px) rotateX(1.25deg)!important;
  border-color:rgba(81,230,200,.42)!important;
  box-shadow:
    0 42px 108px rgba(0,31,73,.20),
    0 16px 34px rgba(0,53,122,.10),
    inset 0 1px 0 rgba(255,255,255,1),
    inset 0 -20px 38px rgba(0,53,122,.07)!important;
}
.v20-home .v20-service-card:hover:before,
.v20-home .v20-product-grid article:hover:before,
.v20-home .v20-point-stack p:hover:after,
.v20-home .v16-faq-list details:hover:before,
.vrts-subpage .page-card-grid article:hover:before,
.vrts-subpage .trust-card-grid article:hover:before,
.vrts-subpage .pillar-grid article:hover:before,
.vrts-subpage .risk-grid article:hover:before,
.vrts-subpage .process-grid article:hover:before,
.vrts-subpage .flow-row article:hover:before,
.vrts-subpage .approval-card:hover:before,
.vrts-subpage .no-claims-card:hover:before,
.vrts-subpage .contact-form:hover:before,
.vrts-subpage .v16-faq-list details:hover:before,
.vrts-subpage .faq-list details:hover:before{
  opacity:1;
  transform:translate3d(8px,-8px,0);
}
.v20-home .v20-service-card:hover:after,
.v20-home .v20-product-grid article:hover:after,
.vrts-subpage .page-card-grid article:hover:after,
.vrts-subpage .trust-card-grid article:hover:after,
.vrts-subpage .pillar-grid article:hover:after,
.vrts-subpage .risk-grid article:hover:after,
.vrts-subpage .process-grid article:hover:after,
.vrts-subpage .flow-row article:hover:after{
  opacity:1;
  transform:scaleX(1);
}
.v20-home .v20-icon,
.v20-home .v20-product-grid span,
.vrts-subpage .page-card-grid article span,
.vrts-subpage .trust-card-grid article span,
.vrts-subpage .risk-grid article span,
.vrts-subpage .pillar-grid article b,
.vrts-subpage .process-grid article b{
  box-shadow:
    0 18px 38px rgba(0,53,122,.24),
    inset 0 1px 0 rgba(255,255,255,.32),
    inset 0 -10px 16px rgba(0,0,0,.12)!important;
  transition:transform .24s ease,box-shadow .24s ease!important;
}
.v20-home .v20-service-card:hover .v20-icon,
.v20-home .v20-product-grid article:hover span,
.vrts-subpage .page-card-grid article:hover span,
.vrts-subpage .trust-card-grid article:hover span,
.vrts-subpage .risk-grid article:hover span,
.vrts-subpage .pillar-grid article:hover b,
.vrts-subpage .process-grid article:hover b{
  transform:translateY(-3px) scale(1.04);
  box-shadow:
    0 24px 46px rgba(0,53,122,.28),
    inset 0 1px 0 rgba(255,255,255,.42),
    inset 0 -12px 18px rgba(0,0,0,.14)!important;
}
.v20-home .v20-audience-grid article,
.v20-home .v20-trust-card-grid article,
.vrts-subpage .disclosure-grid article{
  position:relative!important;
  overflow:hidden!important;
  background:
    linear-gradient(145deg,rgba(255,255,255,.16),rgba(255,255,255,.055))!important;
  border:1px solid rgba(255,255,255,.18)!important;
  box-shadow:
    0 34px 92px rgba(0,20,60,.32),
    inset 0 1px 0 rgba(255,255,255,.24),
    inset 0 -18px 34px rgba(0,0,0,.10)!important;
  backdrop-filter:blur(18px);
}
.v20-home .v20-audience-grid article:before,
.v20-home .v20-trust-card-grid article:before,
.vrts-subpage .disclosure-grid article:before{
  background:
    linear-gradient(120deg,rgba(255,255,255,.30),rgba(255,255,255,.06) 28%,transparent 52%),
    radial-gradient(circle at 78% 16%,rgba(81,230,200,.22),transparent 34%)!important;
  opacity:.88!important;
}
.v20-home .v20-audience-grid article:hover,
.v20-home .v20-trust-card-grid article:hover,
.vrts-subpage .disclosure-grid article:hover{
  transform:translateY(-8px) perspective(900px) rotateX(1.25deg)!important;
  border-color:rgba(81,230,200,.42)!important;
  box-shadow:
    0 46px 120px rgba(0,20,60,.40),
    inset 0 1px 0 rgba(255,255,255,.30),
    inset 0 -20px 40px rgba(0,0,0,.12)!important;
}
@media(max-width:620px){
  .v20-home .v20-service-card:hover,
  .v20-home .v20-product-grid article:hover,
  .v20-home .v20-audience-grid article:hover,
  .v20-home .v20-trust-card-grid article:hover,
  .v20-home .v20-point-stack p:hover,
  .v20-home .v16-faq-list details:hover,
  .vrts-subpage .page-card-grid article:hover,
  .vrts-subpage .trust-card-grid article:hover,
  .vrts-subpage .pillar-grid article:hover,
  .vrts-subpage .risk-grid article:hover,
  .vrts-subpage .disclosure-grid article:hover,
  .vrts-subpage .process-grid article:hover,
  .vrts-subpage .flow-row article:hover,
  .vrts-subpage .approval-card:hover,
  .vrts-subpage .no-claims-card:hover,
  .vrts-subpage .contact-form:hover,
  .vrts-subpage .v16-faq-list details:hover,
  .vrts-subpage .faq-list details:hover{
    transform:translateY(-4px)!important;
  }
}

/* v30: preserve audience imagery and animate product symbols */
.v20-home .v20-audience-grid article{
  background-size:cover!important;
  background-position:center!important;
}
.v20-home .v20-audience-grid .audience-retail{
  background-image:
    linear-gradient(180deg,rgba(6,27,59,.10) 0%,rgba(6,27,59,.58) 45%,rgba(6,27,59,.94) 100%),
    linear-gradient(145deg,rgba(255,255,255,.14),rgba(255,255,255,.04)),
    url('https://images.unsplash.com/photo-1563986768494-4dee2763ff3f?auto=format&fit=crop&w=900&q=84')!important;
}
.v20-home .v20-audience-grid .audience-hni{
  background-image:
    linear-gradient(180deg,rgba(6,27,59,.10) 0%,rgba(6,27,59,.58) 45%,rgba(6,27,59,.94) 100%),
    linear-gradient(145deg,rgba(255,255,255,.14),rgba(255,255,255,.04)),
    url('https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=900&q=84')!important;
}
.v20-home .v20-audience-grid .audience-nri{
  background-image:
    linear-gradient(180deg,rgba(6,27,59,.10) 0%,rgba(6,27,59,.58) 45%,rgba(6,27,59,.94) 100%),
    linear-gradient(145deg,rgba(255,255,255,.14),rgba(255,255,255,.04)),
    url('https://images.unsplash.com/photo-1521791136064-7986c2920216?auto=format&fit=crop&w=900&q=84')!important;
}
.v20-home .v20-audience-grid .audience-institution{
  background-image:
    linear-gradient(180deg,rgba(6,27,59,.10) 0%,rgba(6,27,59,.58) 45%,rgba(6,27,59,.94) 100%),
    linear-gradient(145deg,rgba(255,255,255,.14),rgba(255,255,255,.04)),
    url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&w=900&q=84')!important;
}
.v20-home .v20-audience-grid article:before{
  background:
    linear-gradient(122deg,rgba(255,255,255,.26),rgba(255,255,255,.05) 30%,transparent 54%),
    radial-gradient(circle at 78% 16%,rgba(81,230,200,.18),transparent 34%)!important;
}
.v20-home .v20-product-grid span{
  position:relative;
  overflow:hidden;
  grid-template-rows:1fr!important;
  gap:0!important;
}
.v20-home .v20-product-grid span svg{
  width:25px;
  height:25px;
  transform-origin:center;
  transition:transform .22s cubic-bezier(.2,.8,.2,1),filter .22s ease;
}
.v20-home .v20-product-grid span:after{
  content:"";
  position:absolute;
  left:10px;
  top:10px;
  width:7px;
  height:7px;
  border-radius:50%;
  background:rgba(255,255,255,.84);
  box-shadow:0 0 18px rgba(81,230,200,.44);
  opacity:0;
  transform:translate3d(0,0,0);
  pointer-events:none;
}
.v20-home .v20-product-grid article:hover span svg{
  animation:v30ProductIconMove 1.15s ease-in-out infinite alternate;
  filter:drop-shadow(0 8px 14px rgba(0,31,73,.18));
}
.v20-home .v20-product-grid article:hover span:after{
  opacity:1;
  animation:v30ProductSignal 1.4s linear infinite;
}
@keyframes v30ProductIconMove{
  0%{transform:translate3d(-1px,1px,0) scale(1)}
  100%{transform:translate3d(2px,-2px,0) scale(1.08)}
}
@keyframes v30ProductSignal{
  0%{transform:translate3d(0,0,0);opacity:0}
  20%{opacity:.9}
  100%{transform:translate3d(28px,28px,0);opacity:0}
}
@media (prefers-reduced-motion:reduce){
  .v20-home .v20-product-grid article:hover span svg,
  .v20-home .v20-product-grid article:hover span:after{
    animation:none!important;
  }
  .v20-home .v20-product-grid article:hover span svg{
    transform:scale(1.04);
  }
}

/* v34: Trust risk description image card */
.vrts-subpage .trust-risk-split{
  align-items:start;
}
.vrts-subpage .trust-risk-split .page-copy{
  padding-top:39px;
}
.vrts-subpage .trust-risk-card{
  position:relative;
  min-height:320px;
  display:flex;
  align-items:flex-end;
  margin:0;
  padding:34px;
  border-radius:32px;
  overflow:hidden;
  isolation:isolate;
  background:
    linear-gradient(135deg,rgba(0,32,76,.52),rgba(6,27,59,.94)),
    url('https://images.unsplash.com/photo-1611974789855-9c2a0a7236a3?auto=format&fit=crop&w=1300&q=88') center/cover;
  border:1px solid rgba(255,255,255,.20);
  box-shadow:
    0 38px 110px rgba(0,20,60,.38),
    inset 0 1px 0 rgba(255,255,255,.26),
    inset 0 -22px 42px rgba(0,0,0,.16);
}
.vrts-subpage .trust-risk-card:before{
  content:"";
  position:absolute;
  inset:0;
  z-index:-1;
  background:
    linear-gradient(118deg,rgba(255,255,255,.24),rgba(255,255,255,.04) 34%,transparent 58%),
    radial-gradient(circle at 78% 18%,rgba(81,230,200,.22),transparent 34%),
    linear-gradient(180deg,transparent 0%,rgba(3,13,32,.58) 72%,rgba(3,13,32,.88) 100%);
  mix-blend-mode:screen;
}
.vrts-subpage .trust-risk-card:after{
  content:"";
  position:absolute;
  left:24px;
  right:24px;
  bottom:0;
  height:3px;
  border-radius:999px 999px 0 0;
  background:linear-gradient(90deg,#51E6C8,#D8B76A,#35C8FF);
  opacity:.86;
}
.vrts-subpage .trust-risk-card p{
  max-width:620px;
  margin:0!important;
  color:rgba(255,255,255,.90)!important;
  font-size:19px;
  line-height:1.72;
  font-weight:800;
  text-shadow:0 18px 46px rgba(0,8,24,.50);
}
.vrts-subpage .trust-risk-card:hover{
  transform:translateY(-6px);
  border-color:rgba(81,230,200,.36);
  box-shadow:
    0 46px 124px rgba(0,20,60,.46),
    inset 0 1px 0 rgba(255,255,255,.30),
    inset 0 -24px 46px rgba(0,0,0,.18);
}
@media(max-width:900px){
  .vrts-subpage .trust-risk-split .page-copy{
    padding-top:0;
  }
  .vrts-subpage .trust-risk-card{
    min-height:300px;
  }
}
@media(max-width:620px){
  .vrts-subpage .trust-risk-card{
    min-height:340px;
    padding:24px;
    border-radius:24px;
  }
  .vrts-subpage .trust-risk-card p{
    font-size:16px;
    line-height:1.65;
  }
}

/* v31: supplied INXGA platform image */
.v20-home .v30-inxga-image{
  display:block!important;
  margin:0;
  padding:0!important;
  min-height:540px;
  border-radius:34px;
  background:#061B3B!important;
  border:1px solid rgba(255,255,255,.70)!important;
  box-shadow:
    0 38px 112px rgba(0,31,73,.24),
    0 16px 36px rgba(0,53,122,.12),
    inset 0 1px 0 rgba(255,255,255,.72)!important;
  overflow:hidden;
}
.v20-home .v30-inxga-image:before{
  content:"";
  position:absolute;
  inset:0;
  z-index:1;
  pointer-events:none;
  background:
    linear-gradient(120deg,rgba(255,255,255,.22),rgba(255,255,255,.04) 28%,transparent 54%),
    radial-gradient(circle at 74% 16%,rgba(81,230,200,.16),transparent 34%);
  mix-blend-mode:screen;
}
.v20-home .v30-inxga-image:after{
  content:"";
  position:absolute;
  left:22px;
  right:22px;
  bottom:0;
  z-index:2;
  height:3px;
  border-radius:999px 999px 0 0;
  background:linear-gradient(90deg,#51E6C8,#D8B76A,#35C8FF);
  opacity:.72;
}
.v20-home .v30-inxga-image img{
  width:100%;
  height:100%;
  min-height:540px;
  display:block;
  object-fit:cover;
  object-position:center;
  filter:saturate(1.04) contrast(1.04);
  transform:scale(1.01);
  transition:transform .7s var(--fx-ease),filter .7s var(--fx-ease);
}
.v20-home .v30-inxga-image:hover img{
  transform:scale(1.045);
  filter:saturate(1.08) contrast(1.06);
}
@media(max-width:900px){
  .v20-home .v30-inxga-image,
  .v20-home .v30-inxga-image img{
    min-height:460px;
  }
}
@media(max-width:620px){
  .v20-home .v30-inxga-image{
    border-radius:26px;
  }
  .v20-home .v30-inxga-image,
  .v20-home .v30-inxga-image img{
    min-height:330px;
  }
}

/* v39 CTA hover correction: remove flash sweep and use solid contrast states */
.nav-cta,
.button,
.platform-button{
  transition:
    transform .18s ease,
    background-color .18s ease,
    background .18s ease,
    color .18s ease,
    border-color .18s ease,
    box-shadow .18s ease!important;
}

.nav-cta:before,
.button:before,
.platform-button:before{
  display:none!important;
  content:none!important;
}

.nav-cta:hover,
.nav-cta:focus-visible{
  background:#51E6C8!important;
  color:#061B3B!important;
  border-color:#51E6C8!important;
  box-shadow:0 18px 48px rgba(81,230,200,.24),inset 0 1px 0 rgba(255,255,255,.68)!important;
}

.v20-home .v16-primary:hover,
.v20-home .v16-primary:focus-visible,
.v20-home .light-actions .v16-primary.dark-text:hover,
.v20-home .light-actions .v16-primary.dark-text:focus-visible,
.v20-home .v16-final-card .v16-primary:hover,
.v20-home .v16-final-card .v16-primary:focus-visible,
.vrts-subpage .v16-primary:hover,
.vrts-subpage .v16-primary:focus-visible,
.vrts-primary:hover,
.vrts-primary:focus-visible{
  background:#00357A!important;
  color:#fff!important;
  border-color:#00357A!important;
  box-shadow:0 24px 60px rgba(0,31,73,.24),inset 0 1px 0 rgba(255,255,255,.18)!important;
}

.v20-home .v16-secondary:hover,
.v20-home .v16-secondary:focus-visible,
.v20-home .v16-final-card .v16-secondary:hover,
.v20-home .v16-final-card .v16-secondary:focus-visible,
.vrts-subpage .v16-secondary:hover,
.vrts-subpage .v16-secondary:focus-visible,
.vrts-secondary:hover,
.vrts-secondary:focus-visible{
  background:#51E6C8!important;
  color:#061B3B!important;
  border-color:#51E6C8!important;
  box-shadow:0 22px 54px rgba(81,230,200,.22),inset 0 1px 0 rgba(255,255,255,.42)!important;
}

.platform-button:hover,
.platform-button:focus-visible{
  background:#fff!important;
  color:#00357A!important;
  border-color:#fff!important;
  box-shadow:0 22px 54px rgba(255,255,255,.18)!important;
}

.nav-cta:hover,
.button:hover,
.platform-button:hover{
  transform:translateY(-2px);
}

.nav-cta:focus-visible,
.button:focus-visible,
.platform-button:focus-visible{
  outline:3px solid rgba(216,183,106,.72);
  outline-offset:3px;
}

/* v41 CTA depth and heading color system */
:root{
  --vrts-heading: #102033;
  --vrts-heading-on-dark: #FFFFFF;
  --vrts-primary-depth: 0 22px 44px rgba(0,53,122,.28), 0 10px 18px rgba(6,27,59,.18), inset 0 1px 0 rgba(255,255,255,.22);
  --vrts-secondary-depth: 0 22px 48px rgba(81,230,200,.34), 0 10px 20px rgba(0,53,122,.18), inset 0 1px 0 rgba(255,255,255,.48);
}

.v20-home .v16-primary:hover,
.v20-home .v16-primary:focus-visible,
.v20-home .light-actions .v16-primary.dark-text:hover,
.v20-home .light-actions .v16-primary.dark-text:focus-visible,
.v20-home .v16-final-card .v16-primary:hover,
.v20-home .v16-final-card .v16-primary:focus-visible,
.vrts-subpage .v16-primary:hover,
.vrts-subpage .v16-primary:focus-visible,
.vrts-primary:hover,
.vrts-primary:focus-visible{
  box-shadow:var(--vrts-primary-depth)!important;
}

.nav-cta:hover,
.nav-cta:focus-visible,
.v20-home .v16-secondary:hover,
.v20-home .v16-secondary:focus-visible,
.v20-home .v16-final-card .v16-secondary:hover,
.v20-home .v16-final-card .v16-secondary:focus-visible,
.vrts-subpage .v16-secondary:hover,
.vrts-subpage .v16-secondary:focus-visible,
.vrts-secondary:hover,
.vrts-secondary:focus-visible{
  box-shadow:var(--vrts-secondary-depth)!important;
}

.platform-button:hover,
.platform-button:focus-visible{
  box-shadow:0 22px 48px rgba(255,255,255,.24), 0 10px 20px rgba(0,20,60,.28), inset 0 1px 0 rgba(255,255,255,.75)!important;
}

.v20-home .v20-hero h1 span:first-child{
  background:none!important;
  color:var(--vrts-heading-on-dark)!important;
  -webkit-background-clip:initial!important;
  background-clip:initial!important;
}

.v20-home .v20-section:not(.v20-audiences):not(.v20-trust-snapshot):not(.v16-final-cta) h2,
.v20-home .v20-section:not(.v20-audiences):not(.v20-trust-snapshot):not(.v16-final-cta) h3,
.v20-home .v20-service-card h3,
.v20-home .v20-product-grid h3,
.v20-home .v20-faq-grid h2,
.v20-home .v20-relationship-grid h2,
.v20-home .v20-inxga-copy h2,
.vrts-subpage .page-section:not(.page-dark) h2,
.vrts-subpage .page-section:not(.page-dark) h3,
.vrts-subpage .page-card-grid h3,
.vrts-subpage .legal-content h2,
.vrts-subpage .contact-form h2,
.vrts-subpage .v16-faq-list summary{
  color:var(--vrts-heading)!important;
}

.v20-home .v20-hero h1,
.v20-home .v20-hero h1 span,
.v20-home .v20-audiences h2,
.v20-home .v20-audiences h3,
.v20-home .v20-trust-snapshot h2,
.v20-home .v20-trust-snapshot h3,
.v20-home .v16-final-cta h2,
.vrts-subpage .page-hero h1,
.vrts-subpage .page-dark h2,
.vrts-subpage .page-dark h3,
.vrts-subpage .contact-map-details h3{
  color:var(--vrts-heading-on-dark)!important;
}

/* v44 modal-inspired unified site theme */
:root{
  --vrts-modal-bg: linear-gradient(135deg,#061B3B 0%,#00357A 100%);
  --vrts-modal-bg-soft: linear-gradient(150deg,#071D42 0%,#00357A 48%,#061B3B 100%);
  --vrts-modal-sheen: 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%);
  --vrts-modal-card: rgba(255,255,255,.06);
  --vrts-modal-card-strong: rgba(255,255,255,.085);
  --vrts-modal-line: rgba(53,200,255,.22);
  --vrts-modal-line-strong: rgba(53,200,255,.36);
  --vrts-modal-title: #FFFFFF;
  --vrts-modal-copy: #D8E7FF;
  --vrts-modal-muted: #AFC4DD;
  --vrts-modal-cyan: #35C8FF;
  --vrts-modal-gold: #D8B76A;
  --vrts-modal-shadow: 0 30px 90px rgba(0,12,34,.38), inset 0 1px 0 rgba(255,255,255,.10);
  --vrts-modal-shadow-hover: 0 38px 108px rgba(0,12,34,.46), 0 0 0 1px rgba(53,200,255,.12), inset 0 1px 0 rgba(255,255,255,.14);
  --vrts-primary-depth: 0 0 0 4px rgba(255,255,255,.18), 0 22px 54px rgba(255,255,255,.18), 0 14px 32px rgba(0,12,34,.34), inset 0 1px 0 rgba(255,255,255,.78);
  --vrts-secondary-depth: 0 0 0 4px rgba(255,255,255,.18), 0 22px 54px rgba(255,255,255,.18), 0 14px 32px rgba(0,12,34,.34), inset 0 1px 0 rgba(255,255,255,.78);
}

body,
.v20-home,
.vrts-subpage{
  background:#061B3B!important;
}

html{
  scroll-padding-top: 132px;
}

.v20-section,
.page-section{
  scroll-margin-top: 132px;
}

@media (max-width: 620px){
  html{
    scroll-padding-top: 156px;
  }

  .v20-section,
  .page-section{
    scroll-margin-top: 156px;
  }
}

.v20-home .v20-services,
.v20-home .v20-products,
.v20-home .v20-relationship,
.v20-home .v20-faqs,
.v20-home .v20-inxga,
.v20-home .v20-audiences,
.v20-home .v20-trust-snapshot,
.v20-home .v16-final-cta,
.vrts-subpage .page-hero,
.vrts-subpage .page-section,
.vrts-subpage .page-mist,
.vrts-subpage .page-faq,
.vrts-subpage .page-dark,
.vrts-subpage .page-section:not(.page-dark):not(.page-mist):not(.v16-final-cta),
.vrts-subpage .page-section:not(.page-dark):not(.v16-final-cta){
  background:
    var(--vrts-modal-sheen),
    var(--vrts-modal-bg)!important;
  color:var(--vrts-modal-title)!important;
  position:relative;
  isolation:isolate;
}

.v20-home .v20-services:before,
.v20-home .v20-products:before,
.v20-home .v20-relationship:before,
.v20-home .v20-faqs:before,
.v20-home .v20-inxga:before,
.v20-home .v20-audiences:before,
.v20-home .v20-trust-snapshot:before,
.v20-home .v16-final-cta:before,
.vrts-subpage .page-hero:before,
.vrts-subpage .page-section:before,
.vrts-subpage .page-mist:before,
.vrts-subpage .page-faq:before,
.vrts-subpage .page-dark:before,
.vrts-subpage .page-section:not(.page-dark):not(.page-mist):not(.v16-final-cta):before,
.vrts-subpage .page-section:not(.page-dark):not(.v16-final-cta):before{
  opacity:1!important;
  background:
    radial-gradient(circle at 16% 12%,rgba(53,200,255,.10),transparent 30%),
    radial-gradient(circle at 84% 18%,rgba(53,200,255,.16),transparent 34%),
    linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px)!important;
  background-size:auto,auto,72px 72px,72px 72px!important;
  pointer-events:none;
}

.v20-home .v20-section:not(.v20-audiences):not(.v20-trust-snapshot):not(.v16-final-cta) h2,
.v20-home .v20-section:not(.v20-audiences):not(.v20-trust-snapshot):not(.v16-final-cta) h3,
.v20-home .v20-audiences h2,
.v20-home .v20-audiences h3,
.v20-home .v20-trust-snapshot h2,
.v20-home .v20-trust-snapshot h3,
.v20-home .v16-final-cta h2,
.v20-home .v16-final-cta h3,
.v20-home .v20-service-card h3,
.v20-home .v20-product-grid h3,
.v20-home .v20-faq-grid h2,
.v20-home .v20-relationship-grid h2,
.v20-home .v20-inxga-copy h2,
.vrts-subpage .page-hero h1,
.vrts-subpage .page-hero h2,
.vrts-subpage .page-hero h3,
.vrts-subpage .page-dark h2,
.vrts-subpage .page-dark h3,
.vrts-subpage .page-section:not(.page-dark) h2,
.vrts-subpage .page-section:not(.page-dark) h3,
.vrts-subpage .page-card-grid h3,
.vrts-subpage .legal-content h2,
.v20-home .v16-faq-list summary,
.vrts-subpage .v16-faq-list summary,
.vrts-subpage .v16-faq-list summary{
  color:var(--vrts-modal-title)!important;
  text-shadow:0 18px 46px rgba(0,8,24,.34)!important;
}

.v20-home .v20-section:not(.v20-audiences):not(.v20-trust-snapshot):not(.v16-final-cta) p,
.v20-home .v20-audiences p,
.v20-home .v20-trust-snapshot p,
.v20-home .v16-final-cta p,
.v20-home .v20-intro-copy p,
.v20-home .v20-service-card p,
.v20-home .v20-section-title.centered > p,
.v20-home .v20-disclaimer,
.v20-home .v16-faq-list p,
.vrts-subpage .page-hero p:not(.v16-kicker),
.vrts-subpage .page-dark p,
.vrts-subpage .page-section:not(.page-dark) p,
.vrts-subpage .page-copy p,
.vrts-subpage .page-card-grid p,
.vrts-subpage .legal-content p,
.vrts-subpage .v16-faq-list p{
  color:var(--vrts-modal-copy)!important;
}

.v20-home .v20-disclaimer,
.vrts-subpage .page-note,
.vrts-subpage .page-list li{
  color:var(--vrts-modal-muted)!important;
}

.v20-home .v20-service-card,
.v20-home .v20-product-grid article,
.v20-home .v16-faq-list details,
.v20-home .v20-point-stack p,
.v20-home .v20-audience-grid article,
.v20-home .v20-trust-card-grid article,
.v20-home .v16-final-card,
.vrts-subpage .page-card-grid article,
.vrts-subpage .contact-form,
.vrts-subpage .v16-faq-list details,
.vrts-subpage .legal-content article,
.vrts-subpage .contact-map-card,
.vrts-subpage .contact-map-details{
  background:var(--vrts-modal-card)!important;
  border-color:var(--vrts-modal-line)!important;
  box-shadow:var(--vrts-modal-shadow)!important;
  color:var(--vrts-modal-title)!important;
  backdrop-filter:blur(14px);
}

.v20-home .v20-service-card:before,
.v20-home .v20-product-grid article:before,
.v20-home .v20-audience-grid article:before,
.v20-home .v20-trust-card-grid article:before,
.v20-home .v16-faq-list details:before,
.vrts-subpage .page-card-grid article:before,
.vrts-subpage .v16-faq-list details:before,
.vrts-subpage .legal-content article:before{
  background:
    linear-gradient(120deg,rgba(255,255,255,.14),rgba(255,255,255,.03) 38%,transparent 62%),
    radial-gradient(circle at 84% 10%,rgba(53,200,255,.16),transparent 34%)!important;
  opacity:1!important;
  mix-blend-mode:screen;
}

.v20-home .v20-service-card:hover,
.v20-home .v20-product-grid article:hover,
.v20-home .v16-faq-list details:hover,
.v20-home .v20-point-stack p:hover,
.v20-home .v20-audience-grid article:hover,
.v20-home .v20-trust-card-grid article:hover,
.vrts-subpage .page-card-grid article:hover,
.vrts-subpage .contact-form:hover,
.vrts-subpage .v16-faq-list details:hover{
  border-color:var(--vrts-modal-line-strong)!important;
  box-shadow:var(--vrts-modal-shadow-hover)!important;
}

.v20-home .v16-kicker,
.v20-home .v16-kicker.dark,
.vrts-subpage .v16-kicker,
.vrts-subpage .v16-kicker.dark,
.vrts-subpage .page-dark .v16-kicker{
  color:var(--vrts-modal-cyan)!important;
  text-shadow:none!important;
}

.v20-home .v20-icon,
.v20-home .v20-product-grid span,
.vrts-subpage .page-card-grid span,
.v20-home .v16-faq-list summary:after,
.vrts-subpage .v16-faq-list summary:after{
  background:rgba(53,200,255,.12)!important;
  border-color:rgba(53,200,255,.28)!important;
  color:var(--vrts-modal-cyan)!important;
  box-shadow:0 16px 44px rgba(0,15,44,.26), inset 0 1px 0 rgba(255,255,255,.12)!important;
}

.v20-home .v20-service-card small,
.v20-home .v20-disclaimer.center,
.vrts-subpage label,
.vrts-subpage .checkline{
  color:var(--vrts-modal-muted)!important;
}

.vrts-subpage input,
.vrts-subpage textarea,
.vrts-subpage select{
  background:rgba(255,255,255,.08)!important;
  border-color:rgba(53,200,255,.22)!important;
  color:var(--vrts-modal-title)!important;
}

.vrts-subpage input::placeholder,
.vrts-subpage textarea::placeholder{
  color:rgba(216,231,255,.58)!important;
}

.v20-home .v30-inxga-image,
.v20-home .v20-platform-visual,
.vrts-subpage .trust-risk-card{
  border-color:var(--vrts-modal-line)!important;
  box-shadow:var(--vrts-modal-shadow-hover)!important;
}

.v20-home .v16-primary:hover,
.v20-home .v16-primary:focus-visible,
.v20-home .light-actions .v16-primary.dark-text:hover,
.v20-home .light-actions .v16-primary.dark-text:focus-visible,
.v20-home .v16-final-card .v16-primary:hover,
.v20-home .v16-final-card .v16-primary:focus-visible,
.vrts-subpage .v16-primary:hover,
.vrts-subpage .v16-primary:focus-visible,
.vrts-primary:hover,
.vrts-primary:focus-visible{
  background:#fff!important;
  color:#00357A!important;
  border-color:#fff!important;
  box-shadow:var(--vrts-primary-depth)!important;
}

.nav-cta:hover,
.nav-cta:focus-visible,
.v20-home .v16-secondary:hover,
.v20-home .v16-secondary:focus-visible,
.v20-home .v16-final-card .v16-secondary:hover,
.v20-home .v16-final-card .v16-secondary:focus-visible,
.vrts-subpage .v16-secondary:hover,
.vrts-subpage .v16-secondary:focus-visible,
.vrts-secondary:hover,
.vrts-secondary:focus-visible{
  background:#fff!important;
  color:#00357A!important;
  border-color:#fff!important;
  box-shadow:var(--vrts-secondary-depth)!important;
}

.nav-cta,
.button,
.platform-button{
  border:1px solid rgba(53,200,255,.24);
}

.v20-home .v16-primary,
.v20-home .light-actions .v16-primary.dark-text,
.v20-home .v16-final-card .v16-primary,
.vrts-subpage .v16-primary,
.vrts-primary,
.platform-button{
  background:var(--vrts-modal-cyan)!important;
  color:#061B3B!important;
  border-color:var(--vrts-modal-cyan)!important;
  box-shadow:0 18px 44px rgba(53,200,255,.22), inset 0 1px 0 rgba(255,255,255,.35)!important;
}

.nav-cta,
.v20-home .v16-secondary,
.v20-home .v16-final-card .v16-secondary,
.vrts-subpage .v16-secondary,
.vrts-secondary{
  background:rgba(255,255,255,.06)!important;
  color:var(--vrts-modal-title)!important;
  border-color:rgba(255,255,255,.24)!important;
  box-shadow:0 16px 42px rgba(0,20,60,.20), inset 0 1px 0 rgba(255,255,255,.16)!important;
}

/* v45 one continuous page background, no section background cuts */
body.v20-home,
body.vrts-subpage{
  background:
    radial-gradient(circle at 82% 8%,rgba(53,200,255,.22),transparent 30rem),
    radial-gradient(circle at 16% 18%,rgba(255,255,255,.10),transparent 28rem),
    radial-gradient(circle at 62% 54%,rgba(0,53,122,.30),transparent 34rem),
    linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px),
    linear-gradient(135deg,#061B3B 0%,#00357A 48%,#061B3B 100%)!important;
  background-attachment:fixed,fixed,fixed,fixed,fixed,fixed!important;
  background-size:auto,auto,auto,72px 72px,72px 72px,auto!important;
  background-repeat:no-repeat,no-repeat,no-repeat,repeat,repeat,no-repeat!important;
  color:var(--vrts-modal-title)!important;
}

body.v20-home .v20-hero,
body.v20-home .v20-section,
body.v20-home .v16-final-cta,
body.v20-home .footer,
body.vrts-subpage .page-hero,
body.vrts-subpage .page-section,
body.vrts-subpage .page-mist,
body.vrts-subpage .page-dark,
body.vrts-subpage .page-faq,
body.vrts-subpage .page-section:not(.page-dark):not(.v16-final-cta),
body.vrts-subpage .page-section:not(.page-dark):not(.page-mist):not(.v16-final-cta),
body.vrts-subpage .page-section.page-mist,
body.vrts-subpage .page-section.page-faq,
body.vrts-subpage .footer{
  background:transparent!important;
}

body.v20-home .v20-hero:before,
body.v20-home .v20-hero:after,
body.v20-home .v20-section:before,
body.v20-home .v20-section:after,
body.v20-home .v16-final-cta:before,
body.v20-home .v16-final-cta:after,
body.vrts-subpage .page-hero:before,
body.vrts-subpage .page-hero:after,
body.vrts-subpage .page-section:before,
body.vrts-subpage .page-section:after{
  display:none!important;
  content:none!important;
}

body.v20-home .v17-banner-image,
body.v20-home .v17-banner-overlay,
body.v20-home .hero-luxury-bg,
body.v20-home .hero-photo-overlay{
  display:none!important;
}

body.v20-home main,
body.vrts-subpage main{
  position:relative;
  isolation:isolate;
}

/* v46 hero photos, slow section dividers, tighter spacing, cleaner card hover */
body.v20-home .v20-hero,
body.vrts-subpage .page-hero{
  background:#061B3B!important;
  overflow:hidden;
}

body.v20-home .v17-banner-image,
body.v20-home .v17-banner-overlay{
  display:block!important;
  position:absolute;
  inset:0;
}

body.v20-home .v17-banner-image{
  background-image:url('assets/vrts-corporate-finance-hero.jpg')!important;
  background-size:cover!important;
  background-position:center!important;
  opacity:.58!important;
  transform:scale(1.03);
  filter:saturate(.96) contrast(1.04);
}

body.v20-home .v17-banner-overlay{
  background:
    linear-gradient(180deg,rgba(3,13,32,.50) 0%,rgba(6,27,59,.78) 58%,rgba(6,27,59,.96) 100%),
    linear-gradient(90deg,rgba(3,18,43,.94) 0%,rgba(0,53,122,.60) 52%,rgba(6,27,59,.90) 100%)!important;
}

body.v20-home .v17-market-lines,
body.v20-home .v17-market-lines:before,
body.v20-home .v17-market-lines:after,
body.v20-home .v17-market-lines span{
  display:none!important;
  content:none!important;
}

body.vrts-subpage .page-hero:before,
body.vrts-subpage .page-hero:after{
  display:block!important;
  content:""!important;
}

body.vrts-subpage .page-hero:before{
  position:absolute;
  inset:0;
  background-size:cover!important;
  background-position:center!important;
  opacity:.70!important;
  filter:saturate(.96) contrast(1.04);
}

body.vrts-subpage .about-page-hero:before,
body.vrts-subpage .trust-page-hero:before,
body.vrts-subpage .legal-hero:before{
  background:url('assets/gift-city-official-1800.jpg') center/cover no-repeat!important;
}

body.vrts-subpage .inxga-page-hero:before{
  background:url('https://images.unsplash.com/photo-1551288049-bebda4e38f71?auto=format&fit=crop&w=2200&q=88') center/cover no-repeat!important;
}

body.vrts-subpage .who-page-hero:before{
  background:url('https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=2200&q=88') center/cover no-repeat!important;
}

body.vrts-subpage .contact-page-hero:before{
  background:url('https://images.unsplash.com/photo-1556761175-b413da4baf72?auto=format&fit=crop&w=2200&q=88') center/cover no-repeat!important;
}

body.vrts-subpage .page-hero:after{
  position:absolute;
  inset:0;
  background:
    linear-gradient(180deg,rgba(3,13,32,.44) 0%,rgba(6,27,59,.76) 58%,rgba(6,27,59,.96) 100%),
    linear-gradient(90deg,rgba(3,18,43,.94) 0%,rgba(0,53,122,.58) 52%,rgba(6,27,59,.90) 100%)!important;
}

body.v20-home .v20-section,
body.v20-home .v16-final-cta,
body.vrts-subpage .page-section{
  padding-top:85px!important;
  padding-bottom:85px!important;
}

@media(max-width:620px){
  body.v20-home .v20-section,
  body.v20-home .v16-final-cta,
  body.vrts-subpage .page-section{
    padding-top:61px!important;
    padding-bottom:61px!important;
  }
}

body.v20-home main > section:not(:first-child)::before,
body.v20-home main > section.v20-section:not(.v20-hero):not(.no-divider)::before,
body.vrts-subpage main > section:not(:first-child)::before,
body.vrts-subpage main > section.page-section:not(.page-hero):not(.no-divider)::before,
body.vrts-subpage main > section.page-section:not(.page-dark):not(.page-mist):not(.v16-final-cta)::before{
  content:""!important;
  display:block!important;
  position:absolute;
  z-index:0;
  top:0;
  left:50%;
  width:min(1160px,calc(100% - 48px));
  height:1px;
  transform:translateX(-50%);
  border-radius:999px;
  background:linear-gradient(90deg,transparent,rgba(53,200,255,.24),rgba(216,231,255,.34),rgba(53,200,255,.24),transparent)!important;
  opacity:.82!important;
  pointer-events:none;
}

body.v20-home main > section:not(:first-child)::after,
body.v20-home main > section.v20-section:not(.v20-hero):not(.no-divider)::after,
body.vrts-subpage main > section:not(:first-child)::after,
body.vrts-subpage main > section.page-section:not(.page-hero):not(.no-divider)::after,
body.vrts-subpage main > section.page-section:not(.page-dark):not(.page-mist):not(.v16-final-cta)::after{
  content:""!important;
  display:block!important;
  position:absolute;
  z-index:0;
  top:0;
  left:50%;
  width:min(1160px,calc(100% - 48px));
  height:2px;
  transform:translateX(-50%);
  border-radius:999px;
  background:linear-gradient(90deg,transparent 0%,transparent 38%,rgba(255,255,255,.92) 50%,transparent 62%,transparent 100%)!important;
  background-size:220% 100%!important;
  animation:vrtsSectionLineFlow 8s ease-in-out infinite;
  opacity:.68!important;
  pointer-events:none;
}

@keyframes vrtsSectionLineFlow{
  0%{background-position:120% 0}
  100%{background-position:-120% 0}
}

.v20-home .v20-service-card:after,
.v20-home .v20-product-grid article:after,
.v20-home .v20-audience-grid article:after,
.v20-home .v20-trust-card-grid article:after,
.v20-home .v20-point-stack p:after,
.vrts-subpage .page-card-grid article:after,
.vrts-subpage .trust-card-grid article:after,
.vrts-subpage .pillar-grid article:after,
.vrts-subpage .risk-grid article:after,
.vrts-subpage .process-grid article:after,
.vrts-subpage .flow-row article:after{
  display:none!important;
  content:none!important;
}

.v20-home .v20-service-card:hover:after,
.v20-home .v20-product-grid article:hover:after,
.v20-home .v20-audience-grid article:hover:after,
.v20-home .v20-trust-card-grid article:hover:after,
.v20-home .v20-point-stack p:hover:after,
.vrts-subpage .page-card-grid article:hover:after,
.vrts-subpage .trust-card-grid article:hover:after,
.vrts-subpage .pillar-grid article:hover:after,
.vrts-subpage .risk-grid article:hover:after,
.vrts-subpage .process-grid article:hover:after,
.vrts-subpage .flow-row article:hover:after{
  display:none!important;
  content:none!important;
}

.v20-home .v16-kicker,
.v20-home .v16-kicker.dark,
.v20-home .section-kicker-row,
.vrts-subpage .v16-kicker,
.vrts-subpage .v16-kicker.dark,
.vrts-subpage .page-dark .v16-kicker,
.vrts-subpage .section-kicker-row{
  color:var(--vrts-modal-cyan)!important;
  text-shadow:none!important;
}

body.v20-home .v20-section .v16-kicker,
body.v20-home .v20-section .v16-kicker.dark,
body.v20-home .v16-final-cta .v16-kicker,
body.vrts-subpage .page-hero .v16-kicker,
body.vrts-subpage .page-section .v16-kicker,
body.vrts-subpage .page-section .v16-kicker.dark,
body.vrts-subpage .page-dark .v16-kicker{
  color:var(--vrts-modal-cyan)!important;
  text-shadow:none!important;
}

body.v20-home main section.v20-section p.v16-kicker,
body.v20-home main section.v20-section p.v16-kicker.dark,
body.v20-home main section.v20-section:not(.v20-audiences):not(.v20-trust-snapshot):not(.v16-final-cta) p.v16-kicker,
body.v20-home main section.v20-section:not(.v20-audiences):not(.v20-trust-snapshot):not(.v16-final-cta) p.v16-kicker.dark,
body.vrts-subpage main section.page-section p.v16-kicker,
body.vrts-subpage main section.page-section p.v16-kicker.dark{
  color:#35C8FF!important;
  text-shadow:none!important;
}

/* v49: remove card hover corner lines and diagonal dot/sheen artifacts. */
body.v20-home .v20-service-card:after,
body.v20-home .v20-product-grid article:after,
body.v20-home .v20-audience-grid article:after,
body.v20-home .v20-trust-card-grid article:after,
body.v20-home .v16-faq-list details:after,
body.vrts-subpage .page-card-grid article:after,
body.vrts-subpage .trust-card-grid article:after,
body.vrts-subpage .pillar-grid article:after,
body.vrts-subpage .risk-grid article:after,
body.vrts-subpage .process-grid article:after,
body.vrts-subpage .flow-row article:after,
body.vrts-subpage .approval-card:after,
body.vrts-subpage .no-claims-card:after,
body.vrts-subpage .contact-form:after,
body.vrts-subpage .v16-faq-list details:after,
body.vrts-subpage .faq-list details:after,
body.vrts-subpage .legal-content article:after{
  content:none!important;
  display:none!important;
  width:0!important;
  height:0!important;
  opacity:0!important;
  background:none!important;
  border:0!important;
  box-shadow:none!important;
  transform:none!important;
  animation:none!important;
}

body.v20-home .v20-service-card:before,
body.v20-home .v20-product-grid article:before,
body.v20-home .v20-audience-grid article:before,
body.v20-home .v20-trust-card-grid article:before,
body.v20-home .v16-faq-list details:before,
body.vrts-subpage .page-card-grid article:before,
body.vrts-subpage .trust-card-grid article:before,
body.vrts-subpage .pillar-grid article:before,
body.vrts-subpage .risk-grid article:before,
body.vrts-subpage .process-grid article:before,
body.vrts-subpage .flow-row article:before,
body.vrts-subpage .approval-card:before,
body.vrts-subpage .no-claims-card:before,
body.vrts-subpage .contact-form:before,
body.vrts-subpage .v16-faq-list details:before,
body.vrts-subpage .faq-list details:before,
body.vrts-subpage .legal-content article:before{
  content:none!important;
  display:none!important;
  opacity:0!important;
  background:none!important;
  box-shadow:none!important;
  transform:none!important;
  animation:none!important;
}

body.v20-home .v20-product-grid span:after{
  inset:-7px!important;
  width:auto!important;
  height:auto!important;
  border-radius:inherit!important;
  background:rgba(53,200,255,.10)!important;
  opacity:.42!important;
  transform:none!important;
  animation:none!important;
}

body.v20-home .v20-product-grid article:hover span:after{
  opacity:.55!important;
  transform:none!important;
  animation:none!important;
}

/* v50: modal-matched CTAs, seamless heroes, supplied INXGA visual, contact/footer polish. */
body.v20-home .nav-links.is-open:after{
  content:'Start Trading'!important;
  background:var(--vrts-modal-cyan)!important;
  color:#061B3B!important;
}

body.v20-home .nav-cta,
body.vrts-subpage .nav-cta,
body.v20-home .button.v16-primary,
body.vrts-subpage .button.v16-primary,
body.v20-home .button.v16-secondary,
body.vrts-subpage .button.v16-secondary,
body.v20-home .platform-button,
body.vrts-subpage .platform-button{
  border:0!important;
  background:var(--vrts-modal-cyan)!important;
  color:#061B3B!important;
  box-shadow:0 18px 44px rgba(53,200,255,.22)!important;
  transform:translateY(0);
  transition:transform .18s ease,background .18s ease,color .18s ease,box-shadow .18s ease!important;
}

body.v20-home .nav-cta:hover,
body.v20-home .nav-cta:focus-visible,
body.vrts-subpage .nav-cta:hover,
body.vrts-subpage .nav-cta:focus-visible,
body.v20-home .button.v16-primary:hover,
body.v20-home .button.v16-primary:focus-visible,
body.vrts-subpage .button.v16-primary:hover,
body.vrts-subpage .button.v16-primary:focus-visible,
body.v20-home .button.v16-secondary:hover,
body.v20-home .button.v16-secondary:focus-visible,
body.vrts-subpage .button.v16-secondary:hover,
body.vrts-subpage .button.v16-secondary:focus-visible,
body.v20-home .platform-button:hover,
body.v20-home .platform-button:focus-visible,
body.vrts-subpage .platform-button:hover,
body.vrts-subpage .platform-button:focus-visible{
  border:0!important;
  background:#fff!important;
  color:#00357A!important;
  box-shadow:0 22px 54px rgba(255,255,255,.18)!important;
  transform:translateY(-2px);
}

body.v20-home .nav-cta:before,
body.v20-home .nav-cta:after,
body.v20-home .button:before,
body.v20-home .button:after,
body.vrts-subpage .nav-cta:before,
body.vrts-subpage .nav-cta:after,
body.vrts-subpage .button:before,
body.vrts-subpage .button:after{
  display:none!important;
  content:none!important;
}

body.v20-home .v20-hero,
body.vrts-subpage .page-hero{
  background:transparent!important;
}

body.v20-home .v17-banner-image,
body.v20-home .v17-banner-overlay,
body.vrts-subpage .page-hero:before,
body.vrts-subpage .page-hero:after{
  display:none!important;
  content:none!important;
  background:none!important;
}

body.v20-home .v20-hero .container,
body.vrts-subpage .page-hero .container{
  position:relative;
  z-index:2;
}

body.v20-home .v30-inxga-image{
  display:grid!important;
  place-items:center;
  min-height:540px;
  padding:26px!important;
  background:rgba(255,255,255,.055)!important;
  border:1px solid rgba(53,200,255,.22)!important;
  border-radius:34px!important;
  box-shadow:var(--vrts-modal-shadow-hover)!important;
}

body.v20-home .v30-inxga-image:before,
body.v20-home .v30-inxga-image:after{
  display:none!important;
  content:none!important;
}

body.v20-home .v30-inxga-image img{
  width:min(122%,760px)!important;
  height:auto!important;
  min-height:0!important;
  max-height:590px;
  object-fit:contain!important;
  object-position:center!important;
  filter:drop-shadow(0 34px 54px rgba(0,12,34,.34)) saturate(1.02) contrast(1.02)!important;
  transform:translate3d(0,0,0);
  animation:vrtsInxgaPhoneBounce 5.8s ease-in-out infinite;
}

body.v20-home .v30-inxga-image:hover img{
  transform:none!important;
}

@keyframes vrtsInxgaPhoneBounce{
  0%,100%{transform:translate3d(0,0,0)}
  50%{transform:translate3d(0,-12px,0)}
}

body.vrts-subpage .contact-layout{
  grid-template-columns:1fr!important;
  gap:30px!important;
  max-width:980px;
  text-align:center;
}

body.vrts-subpage .contact-layout > div{
  max-width:820px;
  margin:0 auto;
}

body.vrts-subpage .page-note{
  display:inline-block;
  margin-top:12px;
  background:rgba(255,255,255,.075)!important;
  border:1px solid rgba(53,200,255,.24)!important;
  border-left:4px solid var(--vrts-modal-cyan)!important;
  color:var(--vrts-modal-copy)!important;
  text-align:left;
}

body.vrts-subpage .contact-form{
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:18px!important;
  width:100%;
  text-align:left;
}

body.vrts-subpage .contact-form label:nth-of-type(6),
body.vrts-subpage .contact-form label:nth-of-type(5),
body.vrts-subpage .contact-form .checkline,
body.vrts-subpage .contact-form .button.full{
  grid-column:1 / -1;
}

body.vrts-subpage .contact-form label{
  color:var(--vrts-modal-copy)!important;
}

body.vrts-subpage .contact-form input,
body.vrts-subpage .contact-form textarea,
body.vrts-subpage .contact-form select{
  color:#fff!important;
  background:rgba(255,255,255,.10)!important;
  border-color:rgba(53,200,255,.30)!important;
}

body.vrts-subpage .contact-form select option{
  color:#061B3B;
}

body.vrts-subpage .contact-form .button.full{
  width:auto;
  min-width:190px;
  justify-self:center;
}

body.vrts-subpage .contact-map-details{
  padding:22px 24px 24px!important;
}

body.vrts-subpage .contact-map-details h3{
  margin-bottom:0!important;
  font-size:20px!important;
  line-height:1.34!important;
}

body.v20-home .footer,
body.vrts-subpage .footer{
  padding-bottom:0!important;
}

body.v20-home .footer-disclaimer,
body.vrts-subpage .footer-disclaimer{
  padding-bottom:0!important;
}

body.v20-home .footer-bottom,
body.vrts-subpage .footer-bottom{
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:24px;
  margin-top:22px;
  padding:18px 0 0!important;
  border-top:1px solid rgba(255,255,255,.10);
}

body.v20-home .footer-bottom p,
body.vrts-subpage .footer-bottom p{
  margin:0!important;
  max-width:none!important;
  color:rgba(255,255,255,.70)!important;
  font-size:13px!important;
}

body.v20-home .footer-bottom a,
body.vrts-subpage .footer-bottom a{
  display:inline!important;
  margin:0!important;
  color:#fff!important;
  text-decoration:none;
}

@media(max-width:900px){
  body.vrts-subpage .contact-form{
    grid-template-columns:1fr;
  }

  body.v20-home .footer-bottom,
  body.vrts-subpage .footer-bottom{
    display:grid;
    gap:8px;
  }
}

@media(max-width:620px){
  body.v20-home .v30-inxga-image{
    min-height:340px;
    padding:12px!important;
  }

  body.v20-home .v30-inxga-image img{
    width:128%!important;
    max-height:370px;
  }

  body.vrts-subpage .contact-form .button.full{
    width:100%;
  }
}

@media (prefers-reduced-motion:reduce){
  body.v20-home .v30-inxga-image img{
    animation:none!important;
  }
}

/* v51: rounded hero image panels matching the Trust & Compliance snapshot style. */
body.v20-home .v20-hero,
body.vrts-subpage .page-hero{
  min-height:min(760px,100svh)!important;
  padding:132px 0 54px!important;
  background:transparent!important;
  overflow:hidden;
}

body.v20-home .v20-hero:before,
body.vrts-subpage .page-hero:before,
body.v20-home .v20-hero:after,
body.vrts-subpage .page-hero:after{
  content:""!important;
  display:block!important;
  position:absolute;
  left:50%;
  top:100px;
  bottom:42px;
  width:min(1160px,calc(100% - 48px));
  transform:translateX(-50%);
  border-radius:34px;
  pointer-events:none;
}

body.v20-home .v20-hero:before,
body.vrts-subpage .page-hero:before{
  z-index:0;
  background-size:cover!important;
  background-position:center!important;
  background-repeat:no-repeat!important;
  opacity:1!important;
  filter:saturate(.96) contrast(1.04);
  box-shadow:0 38px 120px rgba(0,12,34,.34), inset 0 1px 0 rgba(255,255,255,.16);
}

body.v20-home .v20-hero:after,
body.vrts-subpage .page-hero:after{
  z-index:1;
  background:
    linear-gradient(180deg,rgba(4,14,34,.18) 0%,rgba(6,27,59,.54) 56%,rgba(6,27,59,.82) 100%),
    linear-gradient(90deg,rgba(6,27,59,.88) 0%,rgba(0,53,122,.48) 48%,rgba(6,27,59,.70) 100%)!important;
  box-shadow:inset 0 0 0 1px rgba(53,200,255,.12);
}

body.v20-home .v20-hero:before{
  background-image:url('assets/vrts-corporate-finance-hero.jpg')!important;
}

body.vrts-subpage .about-page-hero:before,
body.vrts-subpage .trust-page-hero:before,
body.vrts-subpage .legal-hero:before{
  background-image:url('assets/gift-city-official-1800.jpg')!important;
}

body.vrts-subpage .inxga-page-hero:before{
  background-image:url('https://images.unsplash.com/photo-1551288049-bebda4e38f71?auto=format&fit=crop&w=2200&q=88')!important;
}

body.vrts-subpage .who-page-hero:before{
  background-image:url('https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=2200&q=88')!important;
}

body.vrts-subpage .contact-page-hero:before{
  background-image:url('https://images.unsplash.com/photo-1556761175-b413da4baf72?auto=format&fit=crop&w=2200&q=88')!important;
}

body.v20-home .v20-hero .container,
body.vrts-subpage .page-hero .container{
  position:relative;
  z-index:2;
  width:min(1160px,calc(100% - 48px));
  padding:58px 56px 42px;
}

body.v20-home .v20-hero h1,
body.vrts-subpage .page-hero h1{
  max-width:900px;
}

body.v20-home .v20-hero .v16-lede,
body.vrts-subpage .page-hero p:not(.v16-kicker){
  max-width:820px;
}

@media(max-width:900px){
  body.v20-home .v20-hero,
  body.vrts-subpage .page-hero{
    min-height:auto!important;
    padding:118px 0 44px!important;
  }

  body.v20-home .v20-hero:before,
  body.vrts-subpage .page-hero:before,
  body.v20-home .v20-hero:after,
  body.vrts-subpage .page-hero:after{
    top:90px;
    bottom:32px;
    width:min(100% - 32px,760px);
    border-radius:28px;
  }

  body.v20-home .v20-hero .container,
  body.vrts-subpage .page-hero .container{
    width:min(100% - 32px,760px);
    padding:42px 34px 34px;
  }
}

@media(max-width:620px){
  body.v20-home .v20-hero,
  body.vrts-subpage .page-hero{
    padding:104px 0 30px!important;
  }

  body.v20-home .v20-hero:before,
  body.vrts-subpage .page-hero:before,
  body.v20-home .v20-hero:after,
  body.vrts-subpage .page-hero:after{
    top:84px;
    bottom:22px;
    width:calc(100% - 24px);
    border-radius:24px;
  }

  body.v20-home .v20-hero .container,
  body.vrts-subpage .page-hero .container{
    width:calc(100% - 24px);
    padding:34px 22px 28px;
  }
}

/* v52: static homepage hero image and popup-matched CTA hover behavior. */
body.v20-home .v20-hero{
  isolation:isolate!important;
  overflow:visible!important;
}

body.v20-home .v20-hero:before{
  display:block!important;
  z-index:0!important;
  background-image:url('assets/gift-city-official-1800.jpg')!important;
  background-size:cover!important;
  background-position:center!important;
  opacity:1!important;
  transform:translateX(-50%)!important;
  clip-path:none!important;
  border:0!important;
  mix-blend-mode:normal!important;
  animation:none!important;
}

body.v20-home .v20-hero:after{
  display:block!important;
  z-index:1!important;
  transform:translateX(-50%)!important;
  clip-path:none!important;
  mix-blend-mode:normal!important;
  background:
    linear-gradient(180deg,rgba(4,14,34,.14) 0%,rgba(6,27,59,.42) 54%,rgba(6,27,59,.70) 100%),
    linear-gradient(90deg,rgba(6,27,59,.70) 0%,rgba(0,53,122,.30) 48%,rgba(6,27,59,.58) 100%)!important;
  animation:none!important;
}

body.v20-home .v17-banner-image,
body.v20-home .v17-banner-overlay,
body.v20-home .v17-market-lines{
  display:none!important;
  animation:none!important;
}

body.v20-home .v20-hero .container,
body.v20-home .v20-hero .v16-actions{
  overflow:visible!important;
}

body.v20-home .v20-hero .v16-kicker,
body.v20-home .v20-hero h1,
body.v20-home .v20-hero h1 span,
body.v20-home .v20-hero .v16-lede,
body.v20-home .v20-hero .v16-actions{
  clip-path:none!important;
  opacity:1!important;
  transform:none!important;
  filter:none!important;
}

body.v20-home .v20-hero,
body.v20-home .v20-hero *,
body.v20-home .v20-hero *:before,
body.v20-home .v20-hero *:after{
  animation:none!important;
}

body.v20-home .nav-cta,
body.vrts-subpage .nav-cta,
body.v20-home .button,
body.vrts-subpage .button,
body.v20-home a.button.v16-primary,
body.v20-home a.button.v16-secondary,
body.v20-home a.button.v16-primary.dark-text,
body.vrts-subpage a.button.v16-primary,
body.vrts-subpage a.button.v16-secondary,
body.vrts-subpage a.button.v16-primary.dark-text,
body.v20-home .platform-button,
body.vrts-subpage .platform-button{
  border:0!important;
  background:#35C8FF!important;
  background-image:none!important;
  color:#061B3B!important;
  box-shadow:0 18px 44px rgba(53,200,255,.22)!important;
  text-decoration:none!important;
}

body.v20-home .button.v16-secondary,
body.vrts-subpage .button.v16-secondary{
  color:#061B3B!important;
}

body.v20-home .nav-cta:hover,
body.vrts-subpage .nav-cta:hover,
body.v20-home .button:hover,
body.vrts-subpage .button:hover,
body.v20-home a.button.v16-primary:hover,
body.v20-home a.button.v16-secondary:hover,
body.v20-home a.button.v16-primary.dark-text:hover,
body.vrts-subpage a.button.v16-primary:hover,
body.vrts-subpage a.button.v16-secondary:hover,
body.vrts-subpage a.button.v16-primary.dark-text:hover,
body.v20-home .platform-button:hover,
body.vrts-subpage .platform-button:hover{
  border:0!important;
  outline:0!important;
  background:#fff!important;
  background-image:none!important;
  color:#00357A!important;
  box-shadow:0 22px 54px rgba(53,200,255,.30)!important;
  transform:translateY(-2px)!important;
}

body.v20-home .nav-cta:before,
body.v20-home .nav-cta:after,
body.vrts-subpage .nav-cta:before,
body.vrts-subpage .nav-cta:after,
body.v20-home .button:before,
body.v20-home .button:after,
body.vrts-subpage .button:before,
body.vrts-subpage .button:after,
body.v20-home .platform-button:before,
body.v20-home .platform-button:after,
body.vrts-subpage .platform-button:before,
body.vrts-subpage .platform-button:after{
  content:none!important;
  display:none!important;
  border:0!important;
  background:none!important;
  background-image:none!important;
  box-shadow:none!important;
  opacity:0!important;
}

/* v53: homepage image replacement, calmer audience cards, and standalone INXGA visual. */
body.v20-home .v20-hero:before{
  background-image:url('assets/home-corporate-finance-growth.jpg')!important;
  background-position:center 44%!important;
  background-size:cover!important;
  filter:saturate(.98) contrast(1.03) brightness(.96)!important;
}

body.v20-home .v20-hero:after{
  background:
    linear-gradient(180deg,rgba(4,14,34,.12) 0%,rgba(6,27,59,.32) 46%,rgba(6,27,59,.58) 100%),
    linear-gradient(90deg,rgba(6,27,59,.56) 0%,rgba(0,53,122,.18) 48%,rgba(6,27,59,.46) 100%)!important;
}

body.v20-home .v20-audience-grid article{
  background-repeat:no-repeat!important;
  background-size:cover,cover,100% auto!important;
  background-position:center,center,center top!important;
}

body.v20-home .v20-audience-grid .audience-retail{
  background-image:
    linear-gradient(180deg,rgba(6,27,59,.16) 0%,rgba(6,27,59,.54) 48%,rgba(6,27,59,.94) 100%),
    linear-gradient(145deg,rgba(255,255,255,.12),rgba(255,255,255,.04)),
    url('https://images.unsplash.com/photo-1554224155-1696413565d3?auto=format&fit=crop&w=1200&q=84')!important;
  background-position:center,center,center top!important;
}

body.v20-home .v20-audience-grid .audience-hni{
  background-image:
    linear-gradient(180deg,rgba(6,27,59,.16) 0%,rgba(6,27,59,.54) 48%,rgba(6,27,59,.94) 100%),
    linear-gradient(145deg,rgba(255,255,255,.12),rgba(255,255,255,.04)),
    url('https://images.unsplash.com/photo-1560250097-0b93528c311a?auto=format&fit=crop&w=1200&q=84')!important;
  background-position:center,center,center top!important;
}

body.v20-home .v20-audience-grid .audience-nri{
  background-image:
    linear-gradient(180deg,rgba(6,27,59,.16) 0%,rgba(6,27,59,.54) 48%,rgba(6,27,59,.94) 100%),
    linear-gradient(145deg,rgba(255,255,255,.12),rgba(255,255,255,.04)),
    url('https://images.unsplash.com/photo-1521737711867-e3b97375f902?auto=format&fit=crop&w=1200&q=84')!important;
  background-position:center,center,center top!important;
}

body.v20-home .v20-audience-grid .audience-institution{
  background-image:
    linear-gradient(180deg,rgba(6,27,59,.16) 0%,rgba(6,27,59,.54) 48%,rgba(6,27,59,.94) 100%),
    linear-gradient(145deg,rgba(255,255,255,.12),rgba(255,255,255,.04)),
    url('https://images.unsplash.com/photo-1497366811353-6870744d04b2?auto=format&fit=crop&w=1200&q=84')!important;
  background-position:center,center,center top!important;
}

body.v20-home .v30-inxga-image{
  min-height:565px!important;
  padding:0!important;
  background:transparent!important;
  border:0!important;
  border-radius:0!important;
  box-shadow:none!important;
  overflow:visible!important;
}

body.v20-home .v30-inxga-image img{
  width:min(128%,785px)!important;
  max-height:615px!important;
}

@media(max-width:900px){
  body.v20-home .v30-inxga-image{
    min-height:455px!important;
  }

  body.v20-home .v30-inxga-image img{
    width:min(122%,720px)!important;
    max-height:540px!important;
  }
}

@media(max-width:620px){
  body.v20-home .v20-audience-grid article{
    background-size:cover,cover,cover!important;
  }

  body.v20-home .v30-inxga-image{
    min-height:365px!important;
  }

  body.v20-home .v30-inxga-image img{
    width:132%!important;
    max-height:395px!important;
  }
}

/* v54: make the homepage hero image fill the full rounded panel. */
body.v20-home .v20-hero:before,
body.v20-home .v20-hero:after{
  left:50%!important;
  right:auto!important;
  top:100px!important;
  bottom:42px!important;
  width:min(1160px,calc(100% - 48px))!important;
  height:auto!important;
  min-height:0!important;
  max-height:none!important;
  border-radius:34px!important;
  transform:translateX(-50%)!important;
}

@media(max-width:900px){
  body.v20-home .v20-hero:before,
  body.v20-home .v20-hero:after{
    top:90px!important;
    bottom:32px!important;
    width:min(100% - 32px,760px)!important;
    border-radius:28px!important;
  }
}

@media(max-width:620px){
  body.v20-home .v20-hero:before,
  body.v20-home .v20-hero:after{
    top:84px!important;
    bottom:22px!important;
    width:calc(100% - 24px)!important;
    border-radius:24px!important;
  }
}

/* v55: final requested visual corrections from browser review. */
body.v20-home .nav:before,
body.vrts-subpage .nav:before,
body.v20-home .nav:after,
body.vrts-subpage .nav:after,
body.v20-home .nav-links a:after,
body.vrts-subpage .nav-links a:after{
  content:none!important;
  display:none!important;
  background:none!important;
  box-shadow:none!important;
  border:0!important;
}

body.v20-home .v20-hero:after{
  background:
    linear-gradient(180deg,rgba(4,14,34,.18) 0%,rgba(6,27,59,.54) 56%,rgba(6,27,59,.82) 100%),
    linear-gradient(90deg,rgba(6,27,59,.88) 0%,rgba(0,53,122,.48) 48%,rgba(6,27,59,.70) 100%)!important;
}

body.v20-home .v20-audience-grid article{
  background-size:cover,cover,cover!important;
  background-position:center,center,center center!important;
}

body.v20-home .v20-audience-grid .audience-retail,
body.v20-home .v20-audience-grid .audience-hni,
body.v20-home .v20-audience-grid .audience-nri,
body.v20-home .v20-audience-grid .audience-institution{
  background-position:center,center,center center!important;
}

body.v20-home .v30-inxga-image{
  min-height:605px!important;
}

body.v20-home .v30-inxga-image img{
  width:min(134%,825px)!important;
  max-height:655px!important;
}

body.v20-home .footer-disclaimer,
body.vrts-subpage .footer-disclaimer,
body.v20-home .footer-bottom,
body.vrts-subpage .footer-bottom{
  border-top:1px solid rgba(255,255,255,.14)!important;
}

body.v20-home .footer-bottom,
body.vrts-subpage .footer-bottom{
  padding-bottom:5px!important;
}

.v16-faq-list summary:after,
.faq-list summary:after{
  content:"+"!important;
  display:grid!important;
  place-items:center!important;
  flex:0 0 auto!important;
  width:30px!important;
  height:30px!important;
  border-radius:10px!important;
  background:rgba(53,200,255,.12)!important;
  color:#35C8FF!important;
  font-weight:900!important;
  line-height:1!important;
  transform:none!important;
}

.v16-faq-list details[open] summary:after,
.faq-list details[open] summary:after{
  content:"-"!important;
  background:rgba(255,255,255,.10)!important;
  color:#fff!important;
  transform:none!important;
}

@media(max-width:900px){
  body.v20-home .v30-inxga-image{
    min-height:495px!important;
  }

  body.v20-home .v30-inxga-image img{
    width:min(128%,760px)!important;
    max-height:580px!important;
  }
}

@media(max-width:620px){
  body.v20-home .v30-inxga-image{
    min-height:405px!important;
  }

  body.v20-home .v30-inxga-image img{
    width:140%!important;
    max-height:435px!important;
  }
}

/* v56: legal page review fixes. */
body.vrts-subpage.legal-page .legal-hero .page-actions{
  display:none!important;
}

body.vrts-subpage.legal-page .legal-content{
  width:min(100% - 56px,980px)!important;
  max-width:980px!important;
  display:grid!important;
  gap:22px!important;
  margin:0 auto!important;
  overflow:visible!important;
}

body.vrts-subpage.legal-page .legal-content article{
  padding:34px 38px!important;
  border:1px solid rgba(53,200,255,.18)!important;
  border-radius:24px!important;
  background:rgba(255,255,255,.075)!important;
  box-shadow:0 20px 70px rgba(0,20,60,.16)!important;
  overflow:hidden!important;
}

body.vrts-subpage.legal-page .legal-content article:first-child{
  padding-top:34px!important;
}

body.vrts-subpage.legal-page .legal-content article h2{
  margin-bottom:20px!important;
}

body.vrts-subpage.legal-page .legal-content article p{
  max-width:none!important;
  margin:0 0 16px!important;
  color:rgba(216,231,255,.86)!important;
}

body.vrts-subpage.legal-page .legal-content article p:last-child{
  margin-bottom:0!important;
}

@media(max-width:620px){
  body.vrts-subpage.legal-page .legal-content{
    width:calc(100% - 28px)!important;
    gap:16px!important;
  }

  body.vrts-subpage.legal-page .legal-content article{
    padding:24px 20px!important;
    border-radius:20px!important;
  }

  body.vrts-subpage.legal-page .legal-content article:first-child{
    padding-top:24px!important;
  }
}

/* v57: mobile menu, supplied hero/risk images, mobile modal sizing, and footer pre-separator. */
body.v20-home .menu-button,
body.vrts-subpage .menu-button{
  position:relative!important;
  width:46px!important;
  height:42px!important;
  padding:0!important;
  display:none!important;
  place-items:center!important;
  overflow:hidden!important;
  color:transparent!important;
  font-size:0!important;
}

body.v20-home .menu-button:before,
body.vrts-subpage .menu-button:before{
  content:""!important;
  width:21px!important;
  height:14px!important;
  display:block!important;
  border-top:2px solid #fff!important;
  border-bottom:2px solid #fff!important;
  box-shadow:0 6px 0 #fff!important;
}

body.v20-home .menu-button[aria-expanded="true"]:before,
body.vrts-subpage .menu-button[aria-expanded="true"]:before{
  content:"x"!important;
  width:auto!important;
  height:auto!important;
  border:0!important;
  box-shadow:none!important;
  color:#fff!important;
  font-size:24px!important;
  line-height:1!important;
  font-weight:900!important;
}

body.vrts-subpage .about-page-hero:before{
  background-image:url('assets/about-us-hero.jpg')!important;
  background-position:center 52%!important;
}

body.vrts-subpage .trust-page-hero:before{
  background-image:url('assets/trust-compliance-hero.jpg')!important;
  background-position:center 50%!important;
}

body.v20-home .footer,
body.vrts-subpage .footer{
  border-top:1px solid rgba(255,255,255,.16)!important;
  box-shadow:0 -1px 0 rgba(53,200,255,.12)!important;
}

body.vrts-subpage .trust-risk-split{
  align-items:center!important;
}

body.vrts-subpage .trust-risk-copy{
  display:grid!important;
  gap:18px!important;
}

body.vrts-subpage .trust-risk-card{
  min-height:auto!important;
  display:block!important;
  margin:0!important;
  padding:0!important;
  border:0!important;
  border-radius:0!important;
  overflow:visible!important;
  background:transparent!important;
  box-shadow:none!important;
}

body.vrts-subpage .trust-risk-card:before,
body.vrts-subpage .trust-risk-card:after{
  content:none!important;
  display:none!important;
}

body.vrts-subpage .trust-risk-card p{
  max-width:640px!important;
  margin:0!important;
  color:rgba(216,231,255,.86)!important;
  font-size:19px!important;
  font-weight:700!important;
  line-height:1.72!important;
  text-shadow:0 14px 40px rgba(0,12,34,.24)!important;
}

body.vrts-subpage .trust-risk-visual{
  min-height:390px!important;
  border-radius:32px!important;
  overflow:hidden!important;
  border:1px solid rgba(53,200,255,.30)!important;
  background:
    linear-gradient(180deg,rgba(6,27,59,.12) 0%,rgba(6,27,59,.40) 100%),
    url('assets/client-risk-positive-market.jpg') center 40%/cover no-repeat!important;
  box-shadow:0 34px 100px rgba(0,20,60,.28),inset 0 1px 0 rgba(255,255,255,.12)!important;
}

@media(max-width:1060px){
  body.v20-home .menu-button,
  body.vrts-subpage .menu-button{
    display:grid!important;
  }
}

@media(max-width:620px){
  .platform-modal{
    padding:0!important;
  }

  .platform-modal__panel{
    width:80vw!important;
    max-width:80vw!important;
    max-height:80vh!important;
    padding:22px 16px!important;
    border-radius:22px!important;
  }

  .platform-modal h2{
    font-size:clamp(24px,7vw,32px)!important;
  }

  .platform-modal__intro{
    font-size:15px!important;
    line-height:1.52!important;
    margin-bottom:16px!important;
  }

  .platform-options{
    gap:10px!important;
    margin-bottom:14px!important;
  }

  .platform-options article{
    padding:16px!important;
    border-radius:18px!important;
  }

  .platform-options h3{
    font-size:19px!important;
  }

  .platform-options p,
  .platform-modal__note{
    font-size:14px!important;
    line-height:1.48!important;
  }

  body.vrts-subpage .trust-risk-visual{
    min-height:420px!important;
    background-position:center 38%!important;
  }
}

/* v58: mobile nav, modal fit, compact cards, and homepage footer parity. */
.sr-only{
  position:absolute!important;
  width:1px!important;
  height:1px!important;
  padding:0!important;
  margin:-1px!important;
  overflow:hidden!important;
  clip:rect(0,0,0,0)!important;
  white-space:nowrap!important;
  border:0!important;
}

body.v20-home .menu-button,
body.vrts-subpage .menu-button,
.menu-button{
  align-items:center!important;
  justify-content:center!important;
  color:transparent!important;
  font-size:0!important;
}

body.v20-home .menu-button:before,
body.vrts-subpage .menu-button:before,
.menu-button:before{
  content:none!important;
  display:none!important;
}

.menu-icon{
  width:22px!important;
  height:16px!important;
  display:grid!important;
  gap:5px!important;
  place-content:center!important;
}

.menu-icon span{
  display:block!important;
  width:22px!important;
  height:2px!important;
  border-radius:999px!important;
  background:#fff!important;
  box-shadow:0 0 12px rgba(53,200,255,.25)!important;
  transition:transform .18s ease,opacity .18s ease!important;
}

.menu-button[aria-expanded="true"] .menu-icon span:nth-child(1){
  transform:translateY(7px) rotate(45deg)!important;
}

.menu-button[aria-expanded="true"] .menu-icon span:nth-child(2){
  opacity:0!important;
}

.menu-button[aria-expanded="true"] .menu-icon span:nth-child(3){
  transform:translateY(-7px) rotate(-45deg)!important;
}

@media(max-width:1060px){
  body.v20-home .nav-links.is-open,
  body.vrts-subpage .nav-links.is-open,
  .nav-links.is-open{
    position:absolute!important;
    display:grid!important;
    left:0!important;
    right:0!important;
    top:72px!important;
    z-index:60!important;
    gap:4px!important;
    padding:16px!important;
    border-radius:22px!important;
    background:rgba(6,27,59,.98)!important;
    border:1px solid rgba(53,200,255,.24)!important;
    box-shadow:0 28px 80px rgba(0,12,34,.42)!important;
  }

  body.v20-home .nav-links.is-open a,
  body.vrts-subpage .nav-links.is-open a,
  .nav-links.is-open a{
    display:block!important;
    padding:10px 12px!important;
    color:#fff!important;
    font-size:15px!important;
  }
}

@media(max-width:620px){
  body.v20-home .v20-product-grid{
    gap:12px!important;
  }

  body.v20-home .v20-product-grid article{
    min-height:104px!important;
    display:flex!important;
    align-items:center!important;
    gap:16px!important;
    padding:18px 20px!important;
    border-radius:24px!important;
  }

  body.v20-home .v20-product-grid article:before,
  body.v20-home .v20-product-grid article:after{
    content:none!important;
    display:none!important;
  }

  body.v20-home .v20-product-grid span{
    flex:0 0 52px!important;
    width:52px!important;
    height:52px!important;
    margin:0!important;
    border-radius:17px!important;
  }

  body.v20-home .v20-product-grid span:after{
    content:none!important;
    display:none!important;
  }

  body.v20-home .v20-product-grid h3{
    margin:0!important;
    font-size:20px!important;
    line-height:1.2!important;
  }

  body.v20-home .v20-audience-grid article{
    min-height:0!important;
    padding:22px!important;
    border-radius:24px!important;
  }

  body.v20-home .v20-audience-grid article span{
    width:42px!important;
    height:42px!important;
    margin-bottom:14px!important;
  }

  body.v20-home .v20-audience-grid h3{
    margin-bottom:10px!important;
    font-size:22px!important;
    line-height:1.14!important;
  }

  body.v20-home .v20-audience-grid p{
    font-size:15px!important;
    line-height:1.58!important;
  }

  body.v20-home .footer-grid{
    display:grid!important;
    grid-template-columns:1fr!important;
    gap:28px!important;
  }

  body.v20-home .footer{
    padding-top:54px!important;
  }

  body.v20-home .footer-bottom{
    display:grid!important;
    gap:8px!important;
    justify-items:start!important;
    text-align:left!important;
  }

  .platform-modal{
    padding:12px!important;
    align-items:center!important;
  }

  .platform-modal__panel{
    width:min(92vw,370px)!important;
    max-width:min(92vw,370px)!important;
    max-height:calc(100svh - 24px)!important;
    overflow:hidden!important;
    padding:14px 14px 12px!important;
    border-radius:22px!important;
  }

  .platform-modal__x{
    top:12px!important;
    right:12px!important;
    width:34px!important;
    height:34px!important;
    font-size:22px!important;
  }

  .platform-handoff{
    grid-template-columns:minmax(72px,86px) 1fr minmax(72px,86px)!important;
    gap:8px!important;
    margin:12px 40px 8px 0!important;
  }

  .platform-brand{
    width:86px!important;
    min-width:0!important;
    height:34px!important;
    justify-self:center!important;
  }

  .platform-brand img{
    width:66px!important;
  }

  .platform-brand--inxga{
    font-size:13px!important;
    letter-spacing:.08em!important;
  }

  .platform-line{
    height:2px!important;
    width:100%!important;
  }

  .platform-handoff__label{
    margin:0 0 8px!important;
    font-size:10px!important;
    letter-spacing:.14em!important;
  }

  .platform-modal h2{
    max-width:285px!important;
    margin:0 auto 8px!important;
    font-size:24px!important;
    line-height:1.08!important;
  }

  .platform-modal__intro{
    max-width:300px!important;
    margin:0 auto 10px!important;
    font-size:13.5px!important;
    line-height:1.42!important;
  }

  .platform-options{
    grid-template-columns:1fr!important;
    gap:8px!important;
    margin:0 0 8px!important;
  }

  .platform-options article{
    padding:12px!important;
    border-radius:16px!important;
  }

  .platform-options h3{
    margin-bottom:4px!important;
    font-size:16px!important;
    line-height:1.16!important;
  }

  .platform-options p{
    margin-bottom:8px!important;
    font-size:12.5px!important;
    line-height:1.38!important;
  }

  .platform-button{
    min-width:98px!important;
    padding:10px 16px!important;
    font-size:14px!important;
  }

  .platform-modal__note{
    margin:0 0 8px!important;
    font-size:11.5px!important;
    line-height:1.35!important;
  }

  .platform-modal__footer{
    display:flex!important;
    justify-content:space-between!important;
    gap:10px!important;
    padding-top:8px!important;
    font-size:12px!important;
    text-align:left!important;
  }
}

/* v59: mobile menu selection, dividers, and in-menu Start Trading CTA. */
.mobile-menu-cta{
  display:none!important;
}

@media(min-width:1061px){
  .nav-links .mobile-menu-cta{
    display:none!important;
  }
}

@media(max-width:1060px){
  body.v20-home .nav-links.is-open:after,
  body.vrts-subpage .nav-links.is-open:after,
  .nav-links.is-open:after{
    content:none!important;
    display:none!important;
  }

  body.v20-home .nav-links.is-open,
  body.vrts-subpage .nav-links.is-open,
  .nav-links.is-open{
    gap:0!important;
    padding:12px!important;
  }

  body.v20-home .nav-links.is-open a,
  body.vrts-subpage .nav-links.is-open a,
  .nav-links.is-open a{
    position:relative!important;
    display:flex!important;
    align-items:center!important;
    min-height:46px!important;
    padding:12px 14px!important;
    border-bottom:1px solid rgba(255,255,255,.10)!important;
    border-radius:0!important;
    color:rgba(255,255,255,.92)!important;
    font-weight:900!important;
    transition:background-color .16s ease,color .16s ease,box-shadow .16s ease,transform .16s ease!important;
  }

  body.v20-home .nav-links.is-open a:not(.mobile-menu-cta):hover,
  body.v20-home .nav-links.is-open a:not(.mobile-menu-cta):focus-visible,
  body.v20-home .nav-links.is-open a:not(.mobile-menu-cta):active,
  body.v20-home .nav-links.is-open a:not(.mobile-menu-cta).is-current,
  body.v20-home .nav-links.is-open a:not(.mobile-menu-cta).is-tapped,
  body.vrts-subpage .nav-links.is-open a:not(.mobile-menu-cta):hover,
  body.vrts-subpage .nav-links.is-open a:not(.mobile-menu-cta):focus-visible,
  body.vrts-subpage .nav-links.is-open a:not(.mobile-menu-cta):active,
  body.vrts-subpage .nav-links.is-open a:not(.mobile-menu-cta).is-current,
  body.vrts-subpage .nav-links.is-open a:not(.mobile-menu-cta).is-tapped,
  .nav-links.is-open a:not(.mobile-menu-cta):hover,
  .nav-links.is-open a:not(.mobile-menu-cta):focus-visible,
  .nav-links.is-open a:not(.mobile-menu-cta):active,
  .nav-links.is-open a:not(.mobile-menu-cta).is-current,
  .nav-links.is-open a:not(.mobile-menu-cta).is-tapped{
    background:rgba(53,200,255,.14)!important;
    color:#35C8FF!important;
    box-shadow:inset 3px 0 0 #35C8FF!important;
  }

  body.v20-home .nav-links.is-open .mobile-menu-cta,
  body.vrts-subpage .nav-links.is-open .mobile-menu-cta,
  .nav-links.is-open .mobile-menu-cta{
    display:flex!important;
    justify-content:center!important;
    min-height:48px!important;
    margin:14px 4px 0!important;
    padding:13px 16px!important;
    border:0!important;
    border-radius:999px!important;
    background:#35C8FF!important;
    color:#061B3B!important;
    box-shadow:0 18px 44px rgba(53,200,255,.22)!important;
    text-align:center!important;
  }

  body.v20-home .nav-links.is-open .mobile-menu-cta:hover,
  body.v20-home .nav-links.is-open .mobile-menu-cta:focus-visible,
  body.v20-home .nav-links.is-open .mobile-menu-cta:active,
  body.v20-home .nav-links.is-open .mobile-menu-cta.is-tapped,
  body.vrts-subpage .nav-links.is-open .mobile-menu-cta:hover,
  body.vrts-subpage .nav-links.is-open .mobile-menu-cta:focus-visible,
  body.vrts-subpage .nav-links.is-open .mobile-menu-cta:active,
  body.vrts-subpage .nav-links.is-open .mobile-menu-cta.is-tapped,
  .nav-links.is-open .mobile-menu-cta:hover,
  .nav-links.is-open .mobile-menu-cta:focus-visible,
  .nav-links.is-open .mobile-menu-cta:active,
  .nav-links.is-open .mobile-menu-cta.is-tapped{
    background:#fff!important;
    color:#00357A!important;
    box-shadow:0 22px 54px rgba(53,200,255,.30)!important;
    transform:translateY(-1px)!important;
  }
}

/* v60: keep mobile access-journey line clear of step cards. */
@media(max-width:620px){
  .access-stepper{
    padding-left:42px!important;
  }

  .access-stepper:before{
    left:16px!important;
    top:42px!important;
    bottom:42px!important;
  }

  .access-stepper li{
    z-index:1!important;
  }
}