:root {
  --ink: #0a2240;
  --ink-2: #123a63;
  --paper: #f7f8f6;
  --paper-2: #e6edf3;
  --white: #ffffff;
  --body: #435268;
  --line: #d3dbe4;
  --line-dark: #2c4a6e;
  --muted-dark: #a9bdd3;
  --soft-dark: #d7e2ee;
  --accent: #d4a94a;
  --accent-text: #7f5f12;
  --serif: "Newsreader", Georgia, serif;
  --sans: "Instrument Sans", "Segoe UI", Arial, sans-serif;
  --mono: "IBM Plex Mono", Consolas, monospace;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 24px; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font: 400 17px/1.7 var(--sans);
}

h1, h2, h3, h4, p, ul, ol, dl, dd { margin: 0; }
ul, ol { padding: 0; list-style: none; }
a { color: inherit; }
a:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; }

.wrap { width: min(1280px, 100%); margin: 0 auto; padding: 0 48px; }

.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 16px; z-index: 10; padding: 8px 12px; background: #fff; }

.on-dark { background: var(--ink); color: var(--paper); }

.eyebrow {
  margin-bottom: 28px;
  font: 500 13px/1.5 var(--mono);
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--accent-text);
}
.on-dark .eyebrow { color: var(--accent); }

h1, h2 { font-family: var(--serif); font-weight: 400; letter-spacing: -.008em; }
h2 { font-size: clamp(34px, 4vw, 52px); line-height: 1.18; }
.intro { max-width: 680px; margin-top: 32px; color: var(--body); font-size: 19px; line-height: 1.7; }
.on-dark .intro { color: var(--soft-dark); }

/* Header */
.site-header { position: absolute; inset: 0 0 auto; z-index: 3; border-bottom: 1px solid rgba(255, 255, 255, .13); background: transparent; }
.header-row { display: flex; justify-content: space-between; align-items: center; gap: 28px; min-height: 84px; }
.brand { display: flex; align-items: center; gap: 11px; flex: none; font-weight: 600; font-size: 19px; text-decoration: none; }
.mark { width: 28px; height: 28px; }
.site-nav { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 6px 30px; font-size: 15px; }
.site-nav a { padding: 4px 0; border-bottom: 1px solid transparent; color: var(--soft-dark); text-decoration: none; }
.site-nav a:hover { color: #fff; border-color: var(--muted-dark); }
.site-nav a[aria-current="page"] { color: #fff; border-color: var(--accent); }

/* Home hero */
.hero { position: relative; display: flex; flex-direction: column; justify-content: flex-end; min-height: min(860px, 100vh); padding-top: 150px; overflow: hidden; }
.hero-lines { position: absolute; top: 0; left: 22%; width: 100%; height: 100%; opacity: .62; -webkit-mask-image: linear-gradient(to right, transparent 34%, #000 58%); mask-image: linear-gradient(to right, transparent 34%, #000 58%); }
.hero-inner { position: relative; width: min(1280px, 100%); padding-bottom: 72px; }
.hero h1 { max-width: 930px; font-size: clamp(46px, 6.6vw, 92px); line-height: 1.1; }
.lede { max-width: 620px; margin-top: 36px; font-size: 20px; line-height: 1.65; color: var(--soft-dark); }
.actions { display: flex; flex-wrap: wrap; align-items: center; gap: 16px 32px; margin-top: 48px; }
.button { display: inline-block; padding: 14px 24px; border-radius: 2px; background: var(--accent); color: #0a2240; font-weight: 600; text-decoration: none; }
.button:hover { background: #e6c069; }
.text-link { font-weight: 500; text-decoration: underline; text-underline-offset: 5px; text-decoration-thickness: 1px; }
.text-link:hover { color: var(--accent-text); }
.on-dark .text-link:hover { color: var(--accent); }

.ticker { position: relative; border-top: 1px solid var(--line-dark); }
.ticker ul { display: grid; grid-template-columns: repeat(4, 1fr); }
.ticker a { display: block; padding: 22px 0; font: 400 13px/1.5 var(--mono); letter-spacing: .05em; text-transform: uppercase; color: var(--muted-dark); text-decoration: none; }
.ticker a:hover { color: #fff; }

/* Inner page hero */
.page-hero { position: relative; overflow: hidden; padding: 200px 0 112px; }
.page-hero .hero-lines { opacity: .45; }
.page-hero .wrap { position: relative; }
.page-hero h1 { max-width: 960px; font-size: clamp(42px, 5.4vw, 72px); line-height: 1.14; }
.page-hero .lede { max-width: 680px; }

/* Sections */
.section { padding: 144px 0; }
.section.tinted { background: var(--paper-2); }
.section-head { max-width: 800px; margin-bottom: 84px; }
.split { display: grid; grid-template-columns: 5fr 6fr; gap: 104px; align-items: start; }
.split .section-head { margin-bottom: 0; }
.rule-top { border-top: 1px solid var(--ink); }

/* Business cards */
.business { display: grid; grid-template-columns: repeat(2, 1fr); gap: 2px; background: var(--ink); }
.business a { display: flex; flex-direction: column; min-height: 560px; padding: 64px; background: var(--ink-2); color: var(--paper); text-decoration: none; }
.business a:hover { background: #1a4a7a; }
.business .eyebrow { color: var(--accent); }
.business h3 { max-width: 480px; font: 400 clamp(32px, 3.3vw, 44px)/1.22 var(--serif); }
.business p:not(.eyebrow) { max-width: 500px; margin-top: 32px; color: var(--soft-dark); }
.more { margin-top: auto; padding-top: 52px; font-weight: 500; }

/* Linked rows */
.rows { border-top: 1px solid var(--ink); }
.rows li { border-bottom: 1px solid var(--line); }
.tinted .rows li { border-color: #bfccd9; }
.rows a, .rows .row { display: grid; grid-template-columns: 2fr 3fr 110px; gap: 40px; align-items: baseline; padding: 38px 0; text-decoration: none; }
.rows a:hover h3 { color: var(--accent-text); }
.rows h3 { font: 400 30px/1.3 var(--serif); }
.rows p { color: var(--body); }
.rows .go { text-align: right; font-size: 15px; font-weight: 500; }

/* Columns */
.columns { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--ink); }
.columns.four { grid-template-columns: repeat(4, 1fr); }
.columns > * { padding: 40px 40px 8px 0; }
.columns > * + * { padding-left: 40px; border-left: 1px solid var(--line); }
.columns h3 { margin-bottom: 18px; font: 400 28px/1.3 var(--serif); }
.columns p { color: var(--body); }

/* Value chain */
.chain { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); }
.chain::before { content: ""; position: absolute; left: 0; right: 0; top: 7px; height: 2px; background: var(--ink); }
.chain li { position: relative; padding: 46px 40px 0 0; }
.chain li::before { content: ""; position: absolute; left: 0; top: 0; width: 16px; height: 16px; border-radius: 50%; background: var(--paper); border: 2px solid var(--ink); }
.chain h3 { margin-bottom: 16px; font: 400 27px/1.3 var(--serif); }
.chain p { color: var(--body); }

/* Dark statement band */
.statement { padding: 144px 0; }
.statement p.big { max-width: 1020px; font: 400 clamp(30px, 3.7vw, 48px)/1.32 var(--serif); }
.statement .actions { margin-top: 48px; }

/* Checked list */
.list-rows { border-top: 1px solid var(--ink); }
.list-rows li { padding: 28px 0; border-bottom: 1px solid var(--line); font: 400 26px/1.35 var(--serif); }
.on-dark .list-rows { border-color: var(--line-dark); }
.on-dark .list-rows li { border-color: var(--line-dark); }

/* Status tag */
.tag { display: inline-block; font: 500 12px/1.4 var(--mono); letter-spacing: .05em; text-transform: uppercase; color: var(--accent-text); }

/* Markets */
.market { display: grid; grid-template-columns: 4fr 7fr; gap: 80px; padding: 76px 0; border-top: 1px solid var(--line); scroll-margin-top: 24px; }
.market:first-child { border-top: 1px solid var(--ink); }
.market h2 { font-size: clamp(32px, 3.2vw, 42px); margin-top: 16px; }
.market p { max-width: 700px; color: var(--body); font-size: 18px; }
.market .text-link { display: inline-block; margin-top: 26px; }

/* Year-to-date return */
.ytd { max-width: 700px; margin-top: 44px; padding: 28px 0 30px; border-top: 2px solid var(--accent); border-bottom: 1px solid var(--line); }
.ytd[hidden] { display: none; }
.market .ytd .ytd-value { font: 400 clamp(64px, 8vw, 104px)/1.05 var(--serif); letter-spacing: -.015em; color: var(--ink); }
.market .ytd .ytd-label { margin-top: 12px; font: 500 13px/1.5 var(--mono); letter-spacing: .06em; text-transform: uppercase; color: var(--accent-text); }

/* Notice */
.notice { max-width: 880px; padding: 24px 0 0; border-top: 1px solid var(--ink); color: var(--body); font-size: 15px; }

/* Contact */
.contact-email { display: inline-block; font: 400 clamp(25px, 3vw, 40px)/1.15 var(--serif); color: var(--accent); overflow-wrap: anywhere; text-underline-offset: 6px; text-decoration-thickness: 1px; }
.offices { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; margin-top: 64px; }
.offices h3 { margin-bottom: 6px; font: 400 30px/1.3 var(--serif); }
.offices p { color: var(--body); }
.on-dark .offices p { color: var(--soft-dark); }

/* CTA */
.cta { padding: 120px 0; }
.cta-row { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: end; gap: 36px 64px; }
.cta h2 { max-width: 780px; }

/* Footer */
.site-footer { padding: 64px 0 38px; border-top: 1px solid var(--line-dark); font-size: 15px; color: var(--muted-dark); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; padding-bottom: 44px; }
.site-footer .brand { color: var(--paper); margin-bottom: 14px; }
.footer-grid h2 { margin-bottom: 12px; font: 500 12px/1.5 var(--mono); letter-spacing: .06em; text-transform: uppercase; color: var(--paper); }
.footer-grid li { margin-bottom: 10px; }
.footer-grid a { text-decoration: none; }
.footer-grid li a:hover { color: #fff; text-decoration: underline; }
.fine { padding-top: 22px; border-top: 1px solid var(--line-dark); font-size: 13px; line-height: 1.55; }
.fine p + p { margin-top: 6px; }

/* Legal */
.legal .wrap { max-width: 860px; }
.legal h2 { margin: 52px 0 14px; font: 600 19px/1.4 var(--sans); letter-spacing: 0; }
.legal h2:first-child { margin-top: 0; }
.legal p { color: var(--body); }

@media (max-width: 1040px) {
  .wrap { padding: 0 32px; }
  .header-row { flex-direction: column; align-items: flex-start; justify-content: center; gap: 8px; padding-top: 18px; padding-bottom: 14px; }
  .site-nav { justify-content: flex-start; gap: 4px 22px; }
  .split { grid-template-columns: 1fr; gap: 56px; }
  .business a { min-height: 480px; padding: 44px; }
  .columns.four, .chain { grid-template-columns: repeat(2, 1fr); row-gap: 38px; }
  .columns.four > :nth-child(odd) { padding-left: 0; border-left: 0; }
  .chain::before { display: none; }
}

@media (max-width: 700px) {
  body { font-size: 16px; }
  .wrap { padding: 0 20px; }
  .brand { font-size: 18px; }
  .site-nav { font-size: 14px; gap: 2px 16px; }
  .hero-lines { display: none; }
  .hero { min-height: 0; padding-top: 190px; }
  .hero-inner { padding-bottom: 54px; }
  .lede { font-size: 18px; }
  .ticker ul { grid-template-columns: repeat(2, 1fr); padding: 12px 0; }
  .ticker a { padding: 8px 0; }
  .page-hero { padding: 190px 0 72px; }
  .section, .statement { padding: 88px 0; }
  .cta { padding: 76px 0; }
  .section-head { margin-bottom: 56px; }
  .intro { font-size: 18px; }
  .business { grid-template-columns: 1fr; }
  .business a { min-height: 0; padding: 44px 20px; }
  .rows a, .rows .row { grid-template-columns: 1fr !important; gap: 12px; padding: 30px 0; }
  .rows .go { text-align: left; }
  .columns, .columns.four { grid-template-columns: 1fr; row-gap: 0; }
  .columns > *, .columns > * + *, .columns.four > :nth-child(odd) { padding: 30px 0; border-left: 0; border-bottom: 1px solid var(--line); }
  .chain { grid-template-columns: 1fr; row-gap: 0; }
  .chain::before { display: block; left: 7px; right: auto; top: 8px; bottom: 8px; width: 2px; height: auto; }
  .chain li { padding: 0 0 38px 36px; }
  .chain li:last-child { padding-bottom: 0; }
  .market { grid-template-columns: 1fr; gap: 22px; padding: 52px 0; }
  .offices { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}