:root{
 --navy:#071a2f;--navy2:#0d2a46;--blue:#0f5fa8;--cyan:#18a6b8;--gold:#cda85a;
 --ink:#162638;--muted:#67758a;--bg:#f4f7fb;--line:#dfe7ef;--white:#fff;
 --shadow:0 20px 60px rgba(7,26,47,.12);--radius:22px;--radius-sm:14px;
 --header-h:78px;
}
*{box-sizing:border-box}
html{
 scroll-behavior:smooth;
 -webkit-text-size-adjust:100%;
 text-rendering:optimizeLegibility;
}
body{
 margin:0;
 font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
 color:var(--ink);
 background:#fff;
 line-height:1.65;
 -webkit-font-smoothing:antialiased;
 -moz-osx-font-smoothing:grayscale;
 font-synthesis:none;
}
body.menu-open{overflow:hidden}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}

/* Wider global canvas for a premium full-screen desktop layout */
.container{
 width:min(1380px,calc(100% - 64px));
 margin-inline:auto;
}

/* ---------- TOP BAR ---------- */
.topbar{
 background:var(--navy);
 color:#dbe7f2;
 font-size:12px;
 line-height:1.35;
}
.topbar .container{
 min-height:31px;
 display:flex;
 align-items:center;
 justify-content:space-between;
 gap:24px;
 padding:6px 0;
 white-space:nowrap;
}

/* ---------- PREMIUM STICKY HEADER ---------- */
header{
 position:sticky;
 top:0;
 z-index:1000;
 background:rgba(255,255,255,.96);
 -webkit-backdrop-filter:blur(18px) saturate(160%);
 backdrop-filter:blur(18px) saturate(160%);
 border-bottom:1px solid rgba(223,231,239,.88);
 box-shadow:0 1px 0 rgba(7,26,47,.02);
}
.nav{
 position:relative;
 min-height:var(--header-h);
 display:grid;
 grid-template-columns:minmax(210px,260px) minmax(0,1fr) auto;
 align-items:center;
 column-gap:24px;
}

/* Brand */
.brand{
 min-width:0;
 font-weight:900;
 letter-spacing:.14em;
 font-size:23px;
 line-height:1.05;
 color:var(--navy);
 white-space:nowrap;
}
.brand small{
 display:block;
 max-width:240px;
 margin-top:8px;
 letter-spacing:.17em;
 font-size:7.5px;
 line-height:1.35;
 color:var(--muted);
 font-weight:800;
 white-space:normal;
}

/* Desktop menu: guaranteed single row */
.menu{
 min-width:0;
 display:flex;
 align-items:center;
 justify-content:flex-end;
 gap:clamp(13px,1.25vw,22px);
 font-size:13px;
 font-weight:750;
 letter-spacing:-.01em;
 white-space:nowrap;
}
.menu a{
 position:relative;
 display:inline-flex;
 align-items:center;
 min-height:44px;
 padding:0 1px;
 color:#152338;
 transition:color .22s ease,transform .22s ease;
 white-space:nowrap;
}
.menu a::after{
 content:"";
 position:absolute;
 left:50%;
 bottom:5px;
 width:0;
 height:2px;
 border-radius:99px;
 background:var(--blue);
 transform:translateX(-50%);
 transition:width .22s ease;
}
.menu a:hover,
.menu a.active{color:var(--blue)}
.menu a:hover::after,
.menu a.active::after{width:100%}

/* Desktop CTA */
.nav-cta,
.btn{
 display:inline-flex;
 align-items:center;
 justify-content:center;
 gap:8px;
 border-radius:999px;
 font-weight:800;
 transition:transform .22s ease,box-shadow .22s ease,background .22s ease,color .22s ease;
}
.nav-cta{
 flex:0 0 auto;
 min-height:48px;
 padding:0 21px;
 font-size:13px;
 white-space:nowrap;
 background:var(--blue);
 color:#fff;
 box-shadow:0 10px 28px rgba(15,95,168,.20);
}
.nav-cta:hover{
 transform:translateY(-1px);
 box-shadow:0 14px 32px rgba(15,95,168,.27);
}

/* Button shared styles */
.btn{padding:12px 19px}
.nav-cta,.btn-primary{background:var(--blue);color:#fff;box-shadow:0 10px 30px rgba(15,95,168,.22)}
.btn-primary:hover{transform:translateY(-2px);background:#0b4d89}
.btn-light{background:#fff;color:var(--navy);border:1px solid var(--line)}
.btn-outline{border:1px solid rgba(255,255,255,.45);color:#fff}

/* Mobile menu trigger */
.menu-btn{
 display:none;
 position:relative;
 z-index:1002;
 width:46px;
 height:46px;
 padding:0;
 border:1px solid var(--line);
 border-radius:14px;
 background:#fff;
 color:var(--navy);
 font-size:0;
 cursor:pointer;
 box-shadow:0 8px 24px rgba(7,26,47,.06);
 transition:.22s ease;
}
.menu-btn::before,
.menu-btn::after{
 content:"";
 position:absolute;
 left:13px;
 width:20px;
 height:2px;
 border-radius:99px;
 background:currentColor;
 transition:transform .25s ease,top .25s ease;
}
.menu-btn::before{top:18px}
.menu-btn::after{top:26px}
.menu-btn:hover{background:var(--bg)}
.menu-btn[aria-expanded="true"]::before{top:22px;transform:rotate(45deg)}
.menu-btn[aria-expanded="true"]::after{top:22px;transform:rotate(-45deg)}

/* Intermediate laptop size: keep desktop menu single line by tightening */
@media (max-width:1220px) and (min-width:1021px){
 .container{width:min(1180px,calc(100% - 36px))}
 .nav{grid-template-columns:190px minmax(0,1fr) auto;column-gap:15px}
 .brand{font-size:20px}
 .brand small{font-size:6.7px;letter-spacing:.13em}
 .menu{gap:11px;font-size:11.8px}
 .nav-cta{padding-inline:15px;font-size:11.8px;min-height:44px}
}

/* ---------- APP-STYLE FULL-SCREEN MOBILE NAVIGATION ---------- */
@media(max-width:1020px){
 :root{--header-h:70px}
 .container{width:min(100% - 36px,760px)}
 .topbar{display:none}

 .nav{
  min-height:var(--header-h);
  display:flex;
  justify-content:space-between;
  gap:16px;
 }
 .brand{font-size:21px}
 .brand small{font-size:6.6px;margin-top:6px}
 .nav-cta{display:none}
 .menu-btn{display:block;flex:0 0 auto}

 .menu{
  position:fixed;
  inset:0;
  z-index:1001;
  display:flex;
  flex-direction:column;
  align-items:stretch;
  justify-content:flex-start;
  gap:4px;
  width:100%;
  height:100dvh;
  padding:104px 22px 30px;
  overflow-y:auto;
  overscroll-behavior:contain;
  background:
   radial-gradient(circle at 86% 8%,rgba(15,95,168,.13),transparent 28%),
   linear-gradient(180deg,#ffffff 0%,#f6f9fc 100%);
  opacity:0;
  visibility:hidden;
  pointer-events:none;
  transform:translateY(-12px);
  transition:opacity .24s ease,transform .24s ease,visibility .24s ease;
  white-space:normal;
  box-shadow:none;
 }
 .menu.open{
  opacity:1;
  visibility:visible;
  pointer-events:auto;
  transform:translateY(0);
 }
 .menu::before{
  content:"RYSKMEN";
  position:absolute;
  left:22px;
  top:25px;
  font-size:17px;
  font-weight:900;
  letter-spacing:.14em;
  color:var(--navy);
 }
 .menu::after{
  content:"Risk • Advisory • Professional Services";
  position:absolute;
  left:22px;
  top:51px;
  font-size:8px;
  font-weight:800;
  letter-spacing:.12em;
  text-transform:uppercase;
  color:var(--muted);
 }
 .menu a{
  position:relative;
  width:100%;
  min-height:58px;
  padding:0 48px 0 18px;
  border:1px solid rgba(223,231,239,.90);
  border-radius:17px;
  background:rgba(255,255,255,.86);
  box-shadow:0 8px 25px rgba(7,26,47,.035);
  font-size:16px;
  font-weight:750;
  color:var(--navy);
  opacity:0;
  transform:translateY(8px);
  transition:
   opacity .25s ease,
   transform .25s ease,
   background .2s ease,
   border-color .2s ease,
   color .2s ease;
 }
 .menu.open a{opacity:1;transform:translateY(0)}
 .menu.open a:nth-child(1){transition-delay:.03s}
 .menu.open a:nth-child(2){transition-delay:.05s}
 .menu.open a:nth-child(3){transition-delay:.07s}
 .menu.open a:nth-child(4){transition-delay:.09s}
 .menu.open a:nth-child(5){transition-delay:.11s}
 .menu.open a:nth-child(6){transition-delay:.13s}
 .menu.open a:nth-child(7){transition-delay:.15s}
 .menu.open a:nth-child(8){transition-delay:.17s}
 .menu.open a:nth-child(9){transition-delay:.19s}
 .menu a::before{
  content:"→";
  position:absolute;
  right:18px;
  top:50%;
  transform:translateY(-50%);
  font-size:19px;
  color:var(--blue);
 }
 .menu a::after{display:none}
 .menu a:hover,
 .menu a.active{
  color:var(--blue);
  border-color:rgba(15,95,168,.22);
  background:#fff;
  transform:translateX(2px);
 }
}

/* Small-phone refinements */
@media(max-width:560px){
 .container{width:calc(100% - 28px)}
 .nav{min-height:66px}
 .brand{font-size:19px}
 .brand small{max-width:190px}
 .menu{padding:92px 14px 22px}
 .menu::before{left:16px;top:21px}
 .menu::after{left:16px;top:47px}
 .menu a{
  min-height:54px;
  border-radius:15px;
  font-size:15px;
 }
}

/* Reduced motion accessibility */
@media(prefers-reduced-motion:reduce){
 html{scroll-behavior:auto}
 *,*::before,*::after{
  scroll-behavior:auto!important;
  transition-duration:.01ms!important;
  animation-duration:.01ms!important;
  animation-iteration-count:1!important;
 }
}

.hero{position:relative;overflow:hidden;background:
 linear-gradient(90deg,rgba(4,21,39,.94),rgba(4,30,52,.80),rgba(4,30,52,.20)),
 url('images/slider.jpg') center/cover;
 color:#fff;padding:104px 0 92px}
.hero:after{content:"";position:absolute;right:-120px;bottom:-150px;width:420px;height:420px;border:1px solid rgba(255,255,255,.13);border-radius:50%}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:52px}
.eyebrow{display:inline-flex;gap:9px;align-items:center;font-size:12px;letter-spacing:.14em;text-transform:uppercase;font-weight:800;color:#9ed8e2}
.hero h1{font-size:clamp(42px,6vw,76px);line-height:1.04;margin:16px 0 20px;letter-spacing:-.04em}
.hero p{font-size:18px;color:#dce9f3;max-width:760px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.hero-card{background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.18);padding:30px;border-radius:var(--radius);backdrop-filter:blur(10px)}
.hero-card strong{font-size:46px;display:block}.hero-card span{color:#d7e5ef}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:18px;overflow:hidden;margin-top:-30px;position:relative;z-index:4;box-shadow:var(--shadow)}
.stat{background:#fff;padding:24px}.stat strong{display:block;color:var(--navy);font-size:25px}.stat span{font-size:13px;color:var(--muted)}
.section{padding:88px 0}.section.alt{background:var(--bg)}
.section-head{max-width:760px;margin-bottom:38px}.section-head.center{text-align:center;margin:0 auto 42px}
.kicker{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--blue);font-weight:900}
h2{font-size:clamp(31px,4vw,48px);line-height:1.12;letter-spacing:-.035em;color:var(--navy);margin:10px 0 16px}
h3{color:var(--navy);line-height:1.22}.muted{color:var(--muted)}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:0 10px 35px rgba(7,26,47,.05);transition:.25s}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.icon{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:#eaf4fb;color:var(--blue);font-weight:900;margin-bottom:18px}
.card p{color:var(--muted)}
.card-link{font-weight:800;color:var(--blue)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}
.image-frame{border-radius:26px;overflow:hidden;box-shadow:var(--shadow);min-height:440px}
.image-frame img{width:100%;height:100%;object-fit:cover;min-height:440px}
.checks{display:grid;gap:12px;margin-top:22px}.check{display:flex;gap:10px}.check b{color:var(--blue)}
.cta{background:linear-gradient(135deg,var(--navy),#0b3f69);color:#fff;border-radius:28px;padding:48px;display:flex;justify-content:space-between;align-items:center;gap:25px}
.cta h2{color:#fff;margin-top:0}.cta p{color:#c9d9e7;max-width:700px}
.page-hero{padding:76px 0;background:linear-gradient(135deg,#071a2f,#0d3557);color:#fff}
.page-hero h1{font-size:clamp(38px,5vw,62px);line-height:1.06;margin:10px 0}.page-hero p{max-width:800px;color:#d3e1ec;font-size:18px}
.service-list{columns:2;column-gap:34px;padding-left:18px}.service-list li{margin:0 0 10px;break-inside:avoid}
.process{counter-reset:steps}.step{position:relative;padding-left:70px;margin:28px 0}.step:before{counter-increment:steps;content:counter(steps);position:absolute;left:0;top:0;width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:900}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:30px}
.contact-box{background:var(--navy);color:#fff;padding:36px;border-radius:24px}.contact-box h2{color:#fff}
form{display:grid;gap:15px}.field{display:grid;gap:7px}.field label{font-weight:800;font-size:13px}.field input,.field select,.field textarea{width:100%;padding:14px 15px;border:1px solid var(--line);border-radius:12px;font:inherit;background:#fff}.field textarea{min-height:135px}
footer{background:#041321;color:#bfd0df;padding:65px 0 24px}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:32px}.footer-title{color:#fff;font-weight:900;margin-bottom:12px}footer a{display:block;margin:8px 0;font-size:14px}.copyright{border-top:1px solid rgba(255,255,255,.11);margin-top:34px;padding-top:20px;font-size:13px}
.breadcrumb{font-size:13px;color:#a9bfd0}.tag{display:inline-block;padding:6px 10px;border-radius:999px;background:#eaf4fb;color:var(--blue);font-size:12px;font-weight:800;margin:4px}
.notice{font-size:12px;color:var(--muted);border-left:3px solid var(--gold);padding-left:12px;margin-top:18px}
@media(max-width:1020px){.hero-grid,.split,.contact-grid{grid-template-columns:1fr}.grid-3{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:680px){.hero{padding:72px 0}.grid-3,.grid-2,.stats{grid-template-columns:1fr}.section{padding:64px 0}.service-list{columns:1}.cta{padding:30px;align-items:flex-start;flex-direction:column}.footer-grid{grid-template-columns:1fr}.topbar .container{justify-content:center;text-align:center}}


/* About Us - Advisors & Leadership */
.people-section{position:relative;overflow:hidden}.people-section:before{content:"";position:absolute;right:-180px;top:90px;width:360px;height:360px;border-radius:50%;border:1px solid rgba(15,95,168,.08);pointer-events:none}
.people-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}.advisors-grid{grid-template-columns:1fr 1fr}
.person-card{background:#fff;border:1px solid var(--line);border-radius:26px;overflow:hidden;box-shadow:0 12px 38px rgba(7,26,47,.06);transition:.28s;display:grid;grid-template-columns:190px 1fr;min-height:100%}.person-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.featured-person{grid-template-columns:210px 1fr}
.person-photo{min-height:100%;background:linear-gradient(145deg,var(--navy),#0e4b78);display:flex;flex-direction:column;align-items:center;justify-content:center;color:#fff;padding:26px;position:relative;overflow:hidden}.person-photo:before{content:"";position:absolute;width:150px;height:150px;border-radius:50%;background:rgba(255,255,255,.05);top:-45px;right:-45px}.person-photo span{width:94px;height:94px;border-radius:50%;display:grid;place-items:center;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.28);font-size:24px;font-weight:900;letter-spacing:.04em;position:relative}.person-photo small{margin-top:16px;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:#b8d7eb;font-weight:800;position:relative}
.person-body{padding:30px}.person-body h3{font-size:24px;margin:7px 0 7px}.person-body p{font-size:14px;color:var(--muted);margin:10px 0}.person-type{font-size:11px;letter-spacing:.13em;text-transform:uppercase;font-weight:900;color:var(--blue)}.person-credentials{font-size:13px;font-weight:800;color:#4d6177;margin-bottom:15px}
@media(max-width:1050px){.people-grid,.advisors-grid{grid-template-columns:1fr}.person-card,.featured-person{grid-template-columns:180px 1fr}}
@media(max-width:650px){.person-card,.featured-person{grid-template-columns:1fr}.person-photo{min-height:220px}.person-body{padding:24px}}


.card.risk-card{
    position:relative;
    min-height:380px;
    padding:32px;
    border-radius:20px;
    overflow:hidden;
    display:flex;
    align-items:flex-end;
	background-image:url("images/risk.png");
    background-size:cover;
    background-position:center;
    background-repeat:no-repeat;
    box-shadow:0 18px 45px rgba(5,25,55,.18);
    transition:transform .35s ease, box-shadow .35s ease;
}


.card.risk-card::before{
    content:"";
    position:absolute;
    inset:0;
    background:
        linear-gradient(
            180deg,
            rgba(5,24,49,.08) 0%,
            rgba(5,24,49,.45) 45%,
            rgba(3,18,39,.96) 100%
        );
    z-index:1;
}

.card.risk-card::after{
    content:"";
    position:absolute;
    inset:0;
    background:linear-gradient(
        135deg,
        rgba(18,89,170,.16),
        transparent 55%
    );
    z-index:1;
}

.card.risk-card:hover{
    transform:translateY(-8px);
    box-shadow:0 28px 60px rgba(5,25,55,.28);
}

.card-content{
    position:relative;
    z-index:2;
    width:100%;
}

.card.risk-card .icon{
    width:58px;
    height:58px;
    border-radius:16px;
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:20px;
    font-size:25px;
    font-weight:800;
    color:#08244a;
    background:#ffffff;
    box-shadow:0 10px 25px rgba(0,0,0,.18);
}

.card.risk-card h3{
    margin:0 0 12px;
    color:#ffffff;
    font-size:27px;
    line-height:1.2;
    font-weight:700;
}

.card.risk-card p{
    margin:0 0 24px;
    max-width:430px;
    color:rgba(255,255,255,.86);
    font-size:15px;
    line-height:1.7;
}

.card.risk-card .card-link{
    display:inline-flex;
    align-items:center;
    gap:8px;
    color:#ffffff;
    font-size:14px;
    font-weight:700;
    text-decoration:none;
    transition:gap .3s ease, opacity .3s ease;
}

.card.risk-card .card-link:hover{
    gap:13px;
    opacity:.85;
}

@media(max-width:768px){
    .card.risk-card{
        min-height:330px;
        padding:24px;
        border-radius:16px;
        background-position:center;
    }

    .card.risk-card h3{
        font-size:23px;
    }
}

.card.risk-card2{
    position:relative;
    min-height:380px;
    padding:32px;
    border-radius:20px;
    overflow:hidden;
    display:flex;
    align-items:flex-end;
	background-image:url("images/inves.png");
    background-size:cover;
    background-position:center;
    background-repeat:no-repeat;
    box-shadow:0 18px 45px rgba(5,25,55,.18);
    transition:transform .35s ease, box-shadow .35s ease;
}

.card.risk-card2::before{
    content:"";
    position:absolute;
    inset:0;
    background:
        linear-gradient(
            180deg,
            rgba(5,24,49,.08) 0%,
            rgba(5,24,49,.45) 45%,
            rgba(3,18,39,.96) 100%
        );
    z-index:1;
}

.card.risk-card2::after{
    content:"";
    position:absolute;
    inset:0;
    background:linear-gradient(
        135deg,
        rgba(18,89,170,.16),
        transparent 55%
    );
    z-index:1;
}

.card.risk-card2:hover{
    transform:translateY(-8px);
    box-shadow:0 28px 60px rgba(5,25,55,.28);
}

.card-content{
    position:relative;
    z-index:2;
    width:100%;
}

.card.risk-card2 .icon{
    width:58px;
    height:58px;
    border-radius:16px;
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:20px;
    font-size:25px;
    font-weight:800;
    color:#08244a;
    background:#ffffff;
    box-shadow:0 10px 25px rgba(0,0,0,.18);
}

.card.risk-card2 h3{
    margin:0 0 12px;
    color:#ffffff;
    font-size:27px;
    line-height:1.2;
    font-weight:700;
}

.card.risk-card2 p{
    margin:0 0 24px;
    max-width:430px;
    color:rgba(255,255,255,.86);
    font-size:15px;
    line-height:1.7;
}

.card.risk-card2 .card-link{
    display:inline-flex;
    align-items:center;
    gap:8px;
    color:#ffffff;
    font-size:14px;
    font-weight:700;
    text-decoration:none;
    transition:gap .3s ease, opacity .3s ease;
}

.card.risk-card2 .card-link:hover{
    gap:13px;
    opacity:.85;
}

@media(max-width:768px){
    .card.risk-card2{
        min-height:330px;
        padding:24px;
        border-radius:16px;
        background-position:center;
    }

    .card.risk-card2 h3{
        font-size:23px;
    }
}

.card.risk-card3{
    position:relative;
    min-height:380px;
    padding:32px;
    border-radius:20px;
    overflow:hidden;
    display:flex;
    align-items:flex-end;
	background-image:url("images/legal.png");
    background-size:cover;
    background-position:center;
    background-repeat:no-repeat;
    box-shadow:0 18px 45px rgba(5,25,55,.18);
    transition:transform .35s ease, box-shadow .35s ease;
}

.card.risk-card3::before{
    content:"";
    position:absolute;
    inset:0;
    background:
        linear-gradient(
            180deg,
            rgba(5,24,49,.08) 0%,
            rgba(5,24,49,.45) 45%,
            rgba(3,18,39,.96) 100%
        );
    z-index:1;
}

.card.risk-card3::after{
    content:"";
    position:absolute;
    inset:0;
    background:linear-gradient(
        135deg,
        rgba(18,89,170,.16),
        transparent 55%
    );
    z-index:1;
}

.card.risk-card3:hover{
    transform:translateY(-8px);
    box-shadow:0 28px 60px rgba(5,25,55,.28);
}

.card-content{
    position:relative;
    z-index:2;
    width:100%;
}

.card.risk-card3 .icon{
    width:58px;
    height:58px;
    border-radius:16px;
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:20px;
    font-size:25px;
    font-weight:800;
    color:#08244a;
    background:#ffffff;
    box-shadow:0 10px 25px rgba(0,0,0,.18);
}

.card.risk-card3 h3{
    margin:0 0 12px;
    color:#ffffff;
    font-size:27px;
    line-height:1.2;
    font-weight:700;
}

.card.risk-card3 p{
    margin:0 0 24px;
    max-width:430px;
    color:rgba(255,255,255,.86);
    font-size:15px;
    line-height:1.7;
}

.card.risk-card3 .card-link{
    display:inline-flex;
    align-items:center;
    gap:8px;
    color:#ffffff;
    font-size:14px;
    font-weight:700;
    text-decoration:none;
    transition:gap .3s ease, opacity .3s ease;
}

.card.risk-card3 .card-link:hover{
    gap:13px;
    opacity:.85;
}

@media(max-width:768px){
    .card.risk-card3{
        min-height:330px;
        padding:24px;
        border-radius:16px;
        background-position:center;
    }

    .card.risk-card3 h3{
        font-size:23px;
    }
}

.card.risk-card4{
    position:relative;
    min-height:380px;
    padding:32px;
    border-radius:20px;
    overflow:hidden;
    display:flex;
    align-items:flex-end;
	background-image:url("images/finance.png");
    background-size:cover;
    background-position:center;
    background-repeat:no-repeat;
    box-shadow:0 18px 45px rgba(5,25,55,.18);
    transition:transform .35s ease, box-shadow .35s ease;
}

.card.risk-card4::before{
    content:"";
    position:absolute;
    inset:0;
    background:
        linear-gradient(
            180deg,
            rgba(5,24,49,.08) 0%,
            rgba(5,24,49,.45) 45%,
            rgba(3,18,39,.96) 100%
        );
    z-index:1;
}

.card.risk-card4::after{
    content:"";
    position:absolute;
    inset:0;
    background:linear-gradient(
        135deg,
        rgba(18,89,170,.16),
        transparent 55%
    );
    z-index:1;
}

.card.risk-card4:hover{
    transform:translateY(-8px);
    box-shadow:0 28px 60px rgba(5,25,55,.28);
}

.card-content{
    position:relative;
    z-index:2;
    width:100%;
}

.card.risk-card4 .icon{
    width:58px;
    height:58px;
    border-radius:16px;
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:20px;
    font-size:25px;
    font-weight:800;
    color:#08244a;
    background:#ffffff;
    box-shadow:0 10px 25px rgba(0,0,0,.18);
}

.card.risk-card4 h3{
    margin:0 0 12px;
    color:#ffffff;
    font-size:27px;
    line-height:1.2;
    font-weight:700;
}

.card.risk-card4 p{
    margin:0 0 24px;
    max-width:430px;
    color:rgba(255,255,255,.86);
    font-size:15px;
    line-height:1.7;
}

.card.risk-card4 .card-link{
    display:inline-flex;
    align-items:center;
    gap:8px;
    color:#ffffff;
    font-size:14px;
    font-weight:700;
    text-decoration:none;
    transition:gap .3s ease, opacity .3s ease;
}

.card.risk-card4 .card-link:hover{
    gap:13px;
    opacity:.85;
}

@media(max-width:768px){
    .card.risk-card4{
        min-height:330px;
        padding:24px;
        border-radius:16px;
        background-position:center;
    }

    .card.risk-card4 h3{
        font-size:23px;
    }
}

.card.risk-card5{
    position:relative;
    min-height:380px;
    padding:32px;
    border-radius:20px;
    overflow:hidden;
    display:flex;
    align-items:flex-end;
	background-image:url("images/loan.png");
    background-size:cover;
    background-position:center;
    background-repeat:no-repeat;
    box-shadow:0 18px 45px rgba(5,25,55,.18);
    transition:transform .35s ease, box-shadow .35s ease;
}

.card.risk-card5::before{
    content:"";
    position:absolute;
    inset:0;
    background:
        linear-gradient(
            180deg,
            rgba(5,24,49,.08) 0%,
            rgba(5,24,49,.45) 45%,
            rgba(3,18,39,.96) 100%
        );
    z-index:1;
}

.card.risk-card5::after{
    content:"";
    position:absolute;
    inset:0;
    background:linear-gradient(
        135deg,
        rgba(18,89,170,.16),
        transparent 55%
    );
    z-index:1;
}

.card.risk-card5:hover{
    transform:translateY(-8px);
    box-shadow:0 28px 60px rgba(5,25,55,.28);
}

.card-content{
    position:relative;
    z-index:2;
    width:100%;
}

.card.risk-card5 .icon{
    width:58px;
    height:58px;
    border-radius:16px;
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:20px;
    font-size:25px;
    font-weight:800;
    color:#08244a;
    background:#ffffff;
    box-shadow:0 10px 25px rgba(0,0,0,.18);
}

.card.risk-card5 h3{
    margin:0 0 12px;
    color:#ffffff;
    font-size:27px;
    line-height:1.2;
    font-weight:700;
}

.card.risk-card5 p{
    margin:0 0 24px;
    max-width:430px;
    color:rgba(255,255,255,.86);
    font-size:15px;
    line-height:1.7;
}

.card.risk-card5 .card-link{
    display:inline-flex;
    align-items:center;
    gap:8px;
    color:#ffffff;
    font-size:14px;
    font-weight:700;
    text-decoration:none;
    transition:gap .3s ease, opacity .3s ease;
}

.card.risk-card5 .card-link:hover{
    gap:13px;
    opacity:.85;
}

@media(max-width:768px){
    .card.risk-card5{
        min-height:330px;
        padding:24px;
        border-radius:16px;
        background-position:center;
    }

    .card.risk-card5 h3{
        font-size:23px;
    }
}

.card.risk-card6{
    position:relative;
    min-height:380px;
    padding:32px;
    border-radius:20px;
    overflow:hidden;
    display:flex;
    align-items:flex-end;
	background-image:url("images/cyber.png");
    background-size:cover;
    background-position:center;
    background-repeat:no-repeat;
    box-shadow:0 18px 45px rgba(5,25,55,.18);
    transition:transform .35s ease, box-shadow .35s ease;
}

.card.risk-card6::before{
    content:"";
    position:absolute;
    inset:0;
    background:
        linear-gradient(
            180deg,
            rgba(5,24,49,.08) 0%,
            rgba(5,24,49,.45) 45%,
            rgba(3,18,39,.96) 100%
        );
    z-index:1;
}

.card.risk-card6::after{
    content:"";
    position:absolute;
    inset:0;
    background:linear-gradient(
        135deg,
        rgba(18,89,170,.16),
        transparent 55%
    );
    z-index:1;
}

.card.risk-card6:hover{
    transform:translateY(-8px);
    box-shadow:0 28px 60px rgba(5,25,55,.28);
}

.card-content{
    position:relative;
    z-index:2;
    width:100%;
}

.card.risk-card6 .icon{
    width:58px;
    height:58px;
    border-radius:16px;
    display:flex;
    align-items:center;
    justify-content:center;
    margin-bottom:20px;
    font-size:25px;
    font-weight:800;
    color:#08244a;
    background:#ffffff;
    box-shadow:0 10px 25px rgba(0,0,0,.18);
}

.card.risk-card6 h3{
    margin:0 0 12px;
    color:#ffffff;
    font-size:27px;
    line-height:1.2;
    font-weight:700;
}

.card.risk-card6 p{
    margin:0 0 24px;
    max-width:430px;
    color:rgba(255,255,255,.86);
    font-size:15px;
    line-height:1.7;
}

.card.risk-card6 .card-link{
    display:inline-flex;
    align-items:center;
    gap:8px;
    color:#ffffff;
    font-size:14px;
    font-weight:700;
    text-decoration:none;
    transition:gap .3s ease, opacity .3s ease;
}

.card.risk-card6 .card-link:hover{
    gap:13px;
    opacity:.85;
}

@media(max-width:768px){
    .card.risk-card6{
        min-height:330px;
        padding:24px;
        border-radius:16px;
        background-position:center;
    }

    .card.risk-card6 h3{
        font-size:23px;
    }
}

/* =========================================================
   RYSKMEN - Talk to an Advisor POPUP
========================================================= */

.advisor-open-btn{
    border:0;
    cursor:pointer;
    font-family:inherit;
}

/* Modal */
.advisor-modal{
    position:fixed;
    inset:0;
    z-index:99999;
    display:flex;
    align-items:center;
    justify-content:center;
    padding:24px;
    opacity:0;
    visibility:hidden;
    pointer-events:none;
    transition:
        opacity .3s ease,
        visibility .3s ease;
}

.advisor-modal.active{
    opacity:1;
    visibility:visible;
    pointer-events:auto;
}

/* Background */
.advisor-modal-overlay{
    position:absolute;
    inset:0;
    background:rgba(2,18,42,.76);
    backdrop-filter:blur(7px);
    -webkit-backdrop-filter:blur(7px);
}

/* Main Popup Box */
.advisor-popup{
    position:relative;
    z-index:2;
    width:min(720px,100%);
    max-height:92vh;
    overflow-y:auto;

    background:#ffffff;
    border-radius:20px;
    padding:42px;

    box-shadow:
        0 35px 90px rgba(2,18,42,.30),
        0 8px 30px rgba(2,18,42,.16);

    transform:translateY(25px) scale(.97);
    transition:transform .35s cubic-bezier(.2,.7,.2,1);
}

.advisor-modal.active .advisor-popup{
    transform:translateY(0) scale(1);
}

/* Close Button */
.advisor-close{
    position:absolute;
    top:18px;
    right:20px;

    width:42px;
    height:42px;

    display:flex;
    align-items:center;
    justify-content:center;

    border:1px solid #e1e7ef;
    border-radius:50%;

    background:#f7f9fc;
    color:#052653;

    font-size:28px;
    line-height:1;

    cursor:pointer;
    transition:.25s ease;
}

.advisor-close:hover{
    background:#052653;
    color:#fff;
    border-color:#052653;
    transform:rotate(90deg);
}

/* Header */
.advisor-popup-head{
    padding-right:45px;
    margin-bottom:30px;
}

.advisor-small-title{
    display:inline-block;
    margin-bottom:9px;

    color:#0b5c9f;
    font-size:11px;
    line-height:1;
    font-weight:800;

    letter-spacing:1.8px;
    text-transform:uppercase;
}

.advisor-popup-head h2{
    margin:0 0 10px;

    color:#052653;

    font-size:clamp(27px,4vw,38px);
    line-height:1.15;
    letter-spacing:-1px;
}

.advisor-popup-head p{
    max-width:580px;
    margin:0;

    color:#68758a;
    font-size:15px;
    line-height:1.7;
}

/* Form */
.advisor-form{
    display:flex;
    flex-direction:column;
    gap:19px;
}

.advisor-form-row{
    display:grid;
    grid-template-columns:repeat(2,minmax(0,1fr));
    gap:18px;
}

.advisor-field{
    display:flex;
    flex-direction:column;
    gap:8px;
}

.advisor-field label{
    color:#12213a;
    font-size:13px;
    font-weight:700;
}

.advisor-field input,
.advisor-field select,
.advisor-field textarea{
    width:100%;

    border:1px solid #dce4ed;
    border-radius:10px;

    background:#f9fbfd;
    color:#12213a;

    padding:14px 15px;

    font-family:inherit;
    font-size:14px;

    outline:none;

    transition:
        border-color .2s ease,
        box-shadow .2s ease,
        background .2s ease;
}

.advisor-field input,
.advisor-field select{
    min-height:50px;
}

.advisor-field textarea{
    min-height:110px;
    resize:vertical;
}

.advisor-field input:focus,
.advisor-field select:focus,
.advisor-field textarea:focus{
    border-color:#0b5c9f;
    background:#fff;

    box-shadow:
        0 0 0 4px rgba(11,92,159,.08);
}

.advisor-field input::placeholder,
.advisor-field textarea::placeholder{
    color:#98a4b4;
}

/* Consent */
.advisor-consent{
    display:flex;
    align-items:flex-start;
    gap:10px;
}

.advisor-consent input{
    width:17px;
    height:17px;
    margin-top:2px;

    accent-color:#052653;
}

.advisor-consent label{
    color:#68758a;
    font-size:12px;
    line-height:1.55;
}

/* Submit Button */
.advisor-submit{
    width:100%;
    min-height:55px;

    display:flex;
    align-items:center;
    justify-content:center;
    gap:12px;

    border:0;
    border-radius:10px;

    background:linear-gradient(
        135deg,
        #052653 0%,
        #073d77 100%
    );

    color:#fff;

    font-family:inherit;
    font-size:15px;
    font-weight:800;

    cursor:pointer;

    box-shadow:
        0 14px 30px rgba(5,38,83,.20);

    transition:
        transform .22s ease,
        box-shadow .22s ease,
        background .22s ease;
}

.advisor-submit span{
    font-size:21px;
    transition:transform .22s ease;
}

.advisor-submit:hover{
    transform:translateY(-2px);

    box-shadow:
        0 18px 38px rgba(5,38,83,.27);
}

.advisor-submit:hover span{
    transform:translateX(5px);
}

/* Direct Contact */
.advisor-contact{
    text-align:center;

    color:#68758a;

    font-size:12px;
    line-height:1.5;
}

.advisor-contact a{
    color:#052653;
    font-weight:800;
    margin-left:4px;
}

/* Prevent body scroll */
body.advisor-popup-open{
    overflow:hidden;
}

/* Scrollbar */
.advisor-popup::-webkit-scrollbar{
    width:6px;
}

.advisor-popup::-webkit-scrollbar-track{
    background:#f1f4f8;
}

.advisor-popup::-webkit-scrollbar-thumb{
    background:#bdc7d3;
    border-radius:20px;
}

/* Tablet / Mobile */
@media (max-width:700px){

    .advisor-modal{
        padding:12px;
        align-items:flex-end;
    }

    .advisor-popup{
        width:100%;
        max-height:94vh;

        padding:32px 20px 25px;

        border-radius:20px 20px 0 0;
    }

    .advisor-form-row{
        grid-template-columns:1fr;
        gap:18px;
    }

    .advisor-popup-head{
        padding-right:38px;
    }

    .advisor-popup-head h2{
        font-size:28px;
    }

    .advisor-close{
        top:14px;
        right:15px;

        width:38px;
        height:38px;

        font-size:25px;
    }

    .advisor-field input,
    .advisor-field select{
        min-height:52px;
    }

    .advisor-submit{
        min-height:56px;
    }
}

/* =====================================================
   RYSKMEN - BOTTOM DISCLAIMER
===================================================== */

.disclaimer-popup{
    position:fixed;
    left:0;
    right:0;
    bottom:0;

    z-index:99990;

    padding:14px 20px;

    background:rgba(3,27,61,.97);

    border-top:1px solid rgba(255,255,255,.12);

    box-shadow:
        0 -10px 35px rgba(3,27,61,.16);

    backdrop-filter:blur(12px);
    -webkit-backdrop-filter:blur(12px);

    transform:translateY(110%);
    opacity:0;
    visibility:hidden;

    transition:
        transform .45s ease,
        opacity .35s ease,
        visibility .35s ease;
}


/* Visible */

.disclaimer-popup.show{
    transform:translateY(0);
    opacity:1;
    visibility:visible;
}


/* Inner */

.disclaimer-inner{
    width:min(1240px,100%);
    margin:auto;

    display:flex;
    align-items:flex-start;
    gap:15px;

    position:relative;
}


/* Info Icon */

.disclaimer-icon{
    width:34px;
    height:34px;

    flex:0 0 34px;

    display:flex;
    align-items:center;
    justify-content:center;

    margin-top:2px;

    border:1px solid rgba(143,212,223,.40);
    border-radius:50%;

    background:rgba(143,212,223,.10);

    color:#8fd4df;

    font-family:Georgia,serif;
    font-size:17px;
    font-weight:bold;
}


/* Text */

.disclaimer-content{
    flex:1;
    padding-right:35px;
}

.disclaimer-content strong{
    display:block;

    margin-bottom:4px;

    color:#ffffff;

    font-size:13px;
    font-weight:700;

    letter-spacing:.4px;
}

.disclaimer-content p{
    margin:0;

    max-width:1100px;

    color:#cbd6e3;

    font-size:11.5px;
    line-height:1.65;
}


/* Close */

.disclaimer-close{
    position:absolute;
    right:0;
    top:0;

    width:32px;
    height:32px;

    display:flex;
    align-items:center;
    justify-content:center;

    border:1px solid rgba(255,255,255,.15);
    border-radius:50%;

    background:rgba(255,255,255,.06);

    color:#ffffff;

    font-size:20px;
    line-height:1;

    cursor:pointer;

    transition:.2s ease;
}

.disclaimer-close:hover{
    background:#ffffff;
    color:#052653;
}


/* ==========================
   MOBILE
========================== */

@media(max-width:700px){

    .disclaimer-popup{
        padding:14px 15px;
    }

    .disclaimer-inner{
        gap:10px;
    }

    .disclaimer-icon{
        width:30px;
        height:30px;
        flex-basis:30px;

        font-size:15px;
    }

    .disclaimer-content{
        padding-right:28px;
    }

    .disclaimer-content strong{
        font-size:12px;
    }

    .disclaimer-content p{
        font-size:10.5px;
        line-height:1.55;

        max-height:82px;
        overflow-y:auto;
    }

    .disclaimer-close{
        width:28px;
        height:28px;

        font-size:18px;
    }

}

/* =========================================================
   HEADER / MENU ALIGNMENT + ABOUT DROPDOWN FIX
   Works with: .container.nav > .brand + .menu + .nav-cta
========================================================= */

/* Keep logo, navigation and CTA vertically centered */
.nav{
    align-items:center;
}

.brand{
    display:flex;
    align-items:center;
    align-self:center;
}

.brand img{
    display:block;
    width:100%;
    max-width:230px;
    height:auto;
}

/* All first-level menu items share exactly the same height/alignment */
.menu > a,
.menu > .dropdown{
    flex:0 0 auto;
}

.menu > a,
.menu > .dropdown > .dropbtn{
    min-height:44px;
    display:inline-flex;
    align-items:center;
    justify-content:center;
    line-height:1.2;
    margin:0;
}

/* About dropdown wrapper behaves like a normal first-level menu item */
.dropdown{
    position:relative;
    display:inline-flex;
    align-items:center;
    min-height:44px;
}

/* Dropdown arrow uses ::before, leaving ::after free for the menu underline */
.dropdown > .dropbtn{
    gap:7px;
}

.dropdown > .dropbtn::before{
    content:"";
    width:6px;
    height:6px;
    border-right:1.5px solid currentColor;
    border-bottom:1.5px solid currentColor;
    transform:rotate(45deg) translateY(-1px);
    transform-origin:center;
    flex:0 0 auto;
    order:2;
}

/* Desktop dropdown */
.dropdown-menu{
    position:absolute;
    top:calc(100% + 7px);
    left:50%;
    z-index:1100;
    min-width:205px;
    padding:8px;
    border:1px solid var(--line);
    border-radius:14px;
    background:#fff;
    box-shadow:0 18px 45px rgba(7,26,47,.14);
    opacity:0;
    visibility:hidden;
    pointer-events:none;
    transform:translate(-50%,-7px);
    transition:opacity .2s ease, transform .2s ease, visibility .2s ease;
}

.dropdown-menu::before{
    content:"";
    position:absolute;
    left:0;
    right:0;
    top:-10px;
    height:10px;
}

.dropdown:hover > .dropdown-menu,
.dropdown:focus-within > .dropdown-menu,
.dropdown.open > .dropdown-menu{
    opacity:1;
    visibility:visible;
    pointer-events:auto;
    transform:translate(-50%,0);
}

.dropdown-menu a{
    display:flex;
    align-items:center;
    width:100%;
    min-height:42px;
    padding:10px 12px;
    border-radius:10px;
    color:#152338;
    font-size:13px;
    font-weight:700;
    line-height:1.3;
    white-space:nowrap;
}

.dropdown-menu a::after{
    display:none;
}

.dropdown-menu a:hover,
.dropdown-menu a:focus{
    color:var(--blue);
    background:#f3f7fc;
}

/* Active About item uses the same underline position as every other item */
.dropdown.active > .dropbtn{
    color:var(--blue);
}

.dropdown.active > .dropbtn::after{
    width:100%;
}

/* Slightly tighter desktop spacing when all menu items must fit in one line */
@media (max-width:1320px) and (min-width:1021px){
    .container{width:min(1260px,calc(100% - 32px));}
    .nav{grid-template-columns:minmax(175px,215px) minmax(0,1fr) auto;column-gap:14px;}
    .brand img{max-width:205px;}
    .menu{gap:clamp(8px,.8vw,13px);font-size:11.8px;}
    .nav-cta{padding-inline:14px;font-size:11.5px;}
}

/* Mobile: dropdown becomes part of the app-style vertical menu */
@media(max-width:1020px){
    .brand img{
        width:auto;
        max-width:210px;
        max-height:48px;
    }

    .menu > .dropdown{
        display:block;
        width:100%;
        min-height:0;
    }

    .menu > .dropdown > .dropbtn{
        display:flex;
        justify-content:flex-start;
        width:100%;
        min-height:58px;
    }

    .menu > .dropdown > .dropbtn::before{
        position:absolute;
        right:21px;
        top:50%;
        margin:0;
        transform:translateY(-70%) rotate(45deg);
        transition:transform .2s ease;
    }

    .menu > .dropdown.open > .dropbtn::before{
        transform:translateY(-30%) rotate(225deg);
    }

    /* Keep the submenu collapsed until About Us is tapped. */
    .dropdown-menu{
        display:none;
        position:static;
        width:100%;
        min-width:0;
        margin:0;
        padding:0 0 0 14px;
        border:0;
        border-radius:0;
        background:transparent;
        box-shadow:none;
        opacity:1;
        visibility:visible;
        pointer-events:auto;
        transform:none;
    }

    .dropdown.open > .dropdown-menu{
        display:block;
        margin:4px 0 8px;
        transform:none;
    }

    .dropdown-menu::before{display:none;}

    .dropdown-menu a{
        min-height:50px;
        margin-top:4px;
        padding:0 44px 0 18px;
        border:1px solid rgba(223,231,239,.9);
        border-radius:15px;
        background:rgba(255,255,255,.72);
        font-size:14px;
    }

    .dropdown-menu a::before{
        content:"↳";
        position:absolute;
        right:18px;
        top:50%;
        transform:translateY(-50%);
        color:var(--blue);
        font-size:17px;
    }
}

@media(max-width:560px){
    .brand img{max-width:185px;max-height:44px;}
    .menu > .dropdown > .dropbtn{min-height:54px;}
    .dropdown-menu{padding-left:10px;}
    .dropdown-menu a{min-height:48px;font-size:13.5px;}
}