/* Selected concept system — 2026-09-14. Homepage untouched. */
:root{
  --concept-navy:#051f3a;--concept-navy2:#0a2c4d;--concept-ink:#102c63;
  --concept-gold:#d9ad72;--concept-gold2:#b68242;--concept-cream:#fbf8f2;
  --concept-line:#e7e0d6;--concept-muted:#66738a;--concept-blue:#075cff;
}
body.concept-page{background:#fff;color:#10264e}
body.concept-page main{overflow:hidden}
.concept-wrap{width:min(1180px,calc(100% - 54px));margin:0 auto}
.concept-hero{
  position:relative;min-height:430px;background:var(--concept-navy);color:#fff;
  border-bottom:1px solid rgba(216,173,114,.55);overflow:hidden;
}
.concept-hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(2,24,47,.96) 0%,rgba(2,24,47,.88) 34%,rgba(2,24,47,.30) 68%,rgba(2,24,47,.58) 100%);pointer-events:none}
.concept-hero .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.concept-hero .curve{position:absolute;right:-120px;top:-100px;width:500px;height:610px;border:2px solid rgba(224,179,112,.85);border-radius:50%;z-index:2}
.concept-hero-grid{position:relative;z-index:3;display:grid;grid-template-columns:minmax(0,1fr) 250px;gap:28px;padding:56px 0 34px}
.concept-hero-copy{max-width:720px}
.concept-kicker{display:block;font:700 12px/1.2 Arial,sans-serif;letter-spacing:.24em;text-transform:uppercase;color:#e5c28d;margin-bottom:14px}
.concept-hero h1,.concept-section h2,.concept-card h3,.concept-feature h2,.concept-quote strong{
  font-family:Georgia,"Times New Roman",serif;color:inherit
}
.concept-hero h1{font-size:clamp(45px,5vw,74px);line-height:.96;letter-spacing:-.035em;margin:0 0 15px;max-width:780px}
.concept-hero h1 em{font-style:normal;color:#e0b77f}
.concept-hero p{font:20px/1.42 Georgia,serif;max-width:650px;margin:0 0 24px;color:#f1f4f7}
.concept-search{display:flex;align-items:center;background:#fff;border-radius:16px;border:2px solid #fff;max-width:760px;box-shadow:0 9px 30px rgba(0,0,0,.12);overflow:hidden}
.concept-search input{flex:1;min-width:0;border:0;padding:18px 20px;font:15px Arial;color:#43516c;outline:0;background:#fff}
.concept-search button,.concept-btn{border:0;text-decoration:none;display:inline-flex;align-items:center;justify-content:center;gap:8px;background:linear-gradient(135deg,#e5c18d,#9e6e34);color:#fff;border-radius:14px;padding:16px 30px;font:700 16px Georgia,serif;cursor:pointer}
.concept-pills{display:flex;flex-wrap:wrap;gap:9px;margin-top:14px}
.concept-pills a,.concept-pills span{border:1px solid rgba(224,179,112,.72);color:#fff;border-radius:999px;padding:8px 15px;font:13px Arial;text-decoration:none;background:rgba(4,28,53,.48)}
.concept-rail{align-self:center;padding:18px 0 18px 26px;border-left:1px solid rgba(226,181,113,.6)}
.concept-rail h3{font:500 20px/1.55 Arial;letter-spacing:.20em;text-transform:uppercase;color:#e1bd84;margin:0 0 18px}
.concept-rail-item{display:grid;grid-template-columns:38px 1fr;gap:10px;margin:17px 0;font:14px/1.2 Arial;color:#fff}
.concept-rail-item i{font-style:normal;font-size:24px;color:#f0c98c}
.concept-script{font:italic 22px/1.1 "Segoe Script","Brush Script MT",cursive;color:#fff;transform:rotate(-5deg);margin-top:20px}
.concept-benefits{background:linear-gradient(180deg,#fff,#fbf7f1);border-bottom:1px solid #eee6dc}
.concept-benefit-grid{display:grid;grid-template-columns:repeat(4,1fr) 1.2fr;gap:0;padding:23px 0}
.concept-benefit{padding:4px 22px;border-right:1px solid #e6dfd6;text-align:left;min-height:72px}
.concept-benefit:last-child{border:0}
.concept-benefit i{font-style:normal;font-size:28px;color:#b47b3d;float:left;margin-right:13px}
.concept-benefit strong{display:block;font:700 17px Georgia;color:#10264e;margin:2px 0 5px}
.concept-benefit span{font:13px/1.35 Arial;color:#61708a}
.concept-benefit.quote{font:italic 19px/1.35 Georgia;color:#18345f}
.concept-section{padding:38px 0}
.concept-section.alt{background:#fcfaf6}
.concept-section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:20px;margin-bottom:20px}
.concept-section h2{font-size:36px;line-height:1.03;color:#102b61;margin:0}
.concept-section-head p{font:15px/1.45 Arial;color:#61708a;margin:6px 0 0}
.concept-link{color:#065dff;text-decoration:none;font:14px Arial;white-space:nowrap}
.topic-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:13px}
.topic-card{background:#fff;border:1px solid #e3e2df;border-radius:7px;overflow:hidden;box-shadow:0 3px 12px rgba(20,38,64,.03);text-decoration:none;color:#102b61}
.topic-card img{display:block;width:100%;height:120px;object-fit:cover}
.topic-card .pad{padding:13px 14px 15px;min-height:105px}
.topic-card h3{font:700 19px/1.08 Georgia;margin:0 0 5px}
.topic-card p{font:14px/1.35 Arial;color:#61708a;margin:0}
.topic-card .arrow{float:right;border:1px solid #d9bd93;border-radius:50%;width:31px;height:31px;display:flex;align-items:center;justify-content:center;color:#a8753a}
.concept-columns{display:grid;grid-template-columns:1.35fr .75fr;gap:24px}
.concept-panel{background:#fff;border:1px solid #e5e2dc;border-radius:8px;padding:22px}
.dark-panel{background:linear-gradient(135deg,#041e39,#0b355b);color:#fff;border-color:#183b5f}
.dark-panel h2,.dark-panel h3{color:#fff}
.feature-banner{position:relative;border-radius:8px;overflow:hidden;min-height:265px;color:#fff;background:#082744}
.feature-banner img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.feature-banner::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(1,22,43,.95),rgba(1,22,43,.35))}
.feature-banner .copy{position:relative;z-index:2;padding:28px;max-width:520px}
.feature-banner h2{font:700 34px/1.03 Georgia;margin:4px 0 12px;color:#fff}
.feature-banner p{font:16px/1.4 Arial;color:#eaf0f7}
.list-lines{display:grid;gap:0}
.list-row{display:grid;grid-template-columns:70px 1fr auto;gap:12px;align-items:center;padding:12px 0;border-bottom:1px solid #e0e3e7;text-decoration:none;color:#102b61}
.list-row img{width:70px;height:52px;object-fit:cover;border-radius:5px}
.list-row strong{font:700 16px Georgia}
.list-row small{font:12px Arial;color:#7a879a}
.rank-list{counter-reset:rank;display:grid;gap:0}
.rank-list a{counter-increment:rank;display:grid;grid-template-columns:32px 1fr auto;gap:7px;align-items:center;text-decoration:none;color:#102b61;padding:10px 0;border-bottom:1px solid #e4e4e4;font:14px Arial}
.rank-list a:before{content:counter(rank);width:26px;height:26px;border-radius:50%;background:#f0dfc3;color:#8b632f;display:grid;place-items:center;font-weight:700}
.bank-grid{display:grid;grid-template-columns:repeat(6,1fr);border:1px solid #e4e3df;border-radius:8px;overflow:hidden}
.bank-card{min-height:135px;padding:19px 16px;border-right:1px solid #e5e3df;border-bottom:1px solid #e5e3df;text-decoration:none;color:#102b61;background:#fff}
.bank-card:nth-child(6n){border-right:0}
.bank-card .brandmark{font:800 22px/1 Arial;margin-bottom:18px;display:block}
.bank-card h3{font:700 17px Georgia;margin:0 0 6px}
.bank-card p{font:12px/1.35 Arial;color:#69748a;margin:0}
.logo-blue{color:#16a0df}.logo-red{color:#df2525}.logo-green{color:#153f34}.logo-purple{color:#4b1b82}.logo-black{color:#111}.logo-cyan{color:#1799cd}
.news-layout{display:grid;grid-template-columns:1.25fr .7fr;gap:22px}
.news-top{display:grid;grid-template-columns:1.2fr .8fr;gap:18px}
.news-feature{position:relative;min-height:420px;border-radius:8px;overflow:hidden;color:white}
.news-feature img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.news-feature::after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(2,21,39,.95),rgba(2,21,39,.1) 65%)}
.news-feature .copy{position:absolute;z-index:2;left:24px;right:24px;bottom:24px}
.news-feature h2{font:700 37px/1.03 Georgia;margin:7px 0;color:#fff}
.news-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:13px}
.news-card{border:1px solid #e4e2de;border-radius:7px;overflow:hidden;background:#fff}
.news-card img{width:100%;height:125px;object-fit:cover;display:block}
.news-card .pad{padding:13px}
.news-card h3{font:700 18px/1.08 Georgia;margin:3px 0 7px;color:#102b61}
.news-card p{font:13px/1.35 Arial;color:#62718a}
.tools-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.tool-card{border:1px solid #e2e4e8;border-radius:7px;padding:20px 18px;min-height:140px;text-decoration:none;color:#102b61;background:#fff}
.tool-card i{font-style:normal;font-size:29px;color:#0f2b5d}
.tool-card h3{font:700 18px Georgia;margin:13px 0 5px}
.tool-card p{font:13px/1.35 Arial;color:#65738a}
.feature-tool{display:grid;grid-template-columns:.8fr 1.2fr;border:1px solid #e2ded8;border-radius:9px;overflow:hidden;background:#fff}
.feature-tool .copy{padding:28px}
.feature-tool img{width:100%;height:100%;min-height:280px;object-fit:cover}
.team-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.team-card{border:1px solid #e1e2e4;border-radius:6px;overflow:hidden;background:#fff}
.team-card img{display:block;width:100%;aspect-ratio:4/3;object-fit:cover}
.team-card .pad{padding:12px}
.team-card h3{font:700 17px Georgia;color:#102b61;margin:0 0 3px}
.team-card b{font:13px Arial;color:#0c4a98;font-weight:500}
.team-card p{font:12px/1.4 Arial;color:#68758a;margin:7px 0 0}
.mission-grid{display:grid;grid-template-columns:.85fr 1fr .62fr;gap:20px;align-items:stretch}
.mission-copy,.mission-quote{padding:25px 10px}
.mission-photo img{width:100%;height:100%;min-height:255px;object-fit:cover;border-radius:7px}
.mission-copy h2{font:700 34px/1.06 Georgia;color:#102b61;margin:0 0 12px}
.mission-copy p{font:15px/1.45 Arial;color:#465774}
.mission-quote{font:italic 24px/1.35 Georgia;color:#17325e;background:#fbf8f2;border-left:1px solid #eadcc9}
.metrics{background:linear-gradient(90deg,#05213d,#0e3b63);color:white}
.metrics-grid{display:grid;grid-template-columns:repeat(4,1fr);padding:22px 0}
.metric{text-align:center;border-right:1px solid rgba(255,255,255,.2)}
.metric:last-child{border:0}.metric strong{display:block;font:700 32px Georgia;color:#e1bd84}.metric span{font:13px Arial}
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.process-card{border:1px solid #e3e3e2;border-radius:7px;padding:18px}.process-card strong{font:700 19px Georgia;color:#102b61}.process-card p{font:13px/1.4 Arial;color:#65738a}
.newsletter{display:flex;align-items:center;justify-content:space-between;gap:25px;background:linear-gradient(135deg,#05213d,#0d3c64);color:#fff;border-radius:9px;padding:26px}
.newsletter h2{color:#fff;font-size:28px}.newsletter form{display:flex;min-width:360px}.newsletter input{flex:1;padding:14px;border:0;border-radius:7px 0 0 7px}.newsletter button{border:0;background:linear-gradient(135deg,#e2bf8a,#9b6b34);color:#fff;padding:0 22px;border-radius:0 7px 7px 0;font-weight:700}
@media(max-width:900px){
 .concept-hero-grid{grid-template-columns:1fr}.concept-rail{display:none}.concept-benefit-grid{grid-template-columns:repeat(2,1fr)}.topic-grid{grid-template-columns:repeat(2,1fr)}
 .bank-grid{grid-template-columns:repeat(3,1fr)}.bank-card:nth-child(6n){border-right:1px solid #e5e3df}.bank-card:nth-child(3n){border-right:0}
 .concept-columns,.news-layout,.news-top,.mission-grid{grid-template-columns:1fr}.news-cards{grid-template-columns:repeat(2,1fr)}.tools-grid{grid-template-columns:repeat(2,1fr)}
 .feature-tool{grid-template-columns:1fr}.team-grid{grid-template-columns:repeat(2,1fr)}.metrics-grid,.process-grid{grid-template-columns:repeat(2,1fr)}.newsletter{flex-direction:column;align-items:stretch}.newsletter form{min-width:0}
}
@media(max-width:560px){
 .concept-wrap{width:min(100% - 28px,1180px)}.concept-hero{min-height:520px}.concept-hero-grid{padding-top:38px}.concept-hero h1{font-size:44px}.concept-hero p{font-size:17px}
 .concept-search{flex-direction:column;border-radius:12px}.concept-search input,.concept-search button{width:100%;border-radius:0}
 .concept-benefit-grid,.topic-grid,.bank-grid,.news-cards,.tools-grid,.team-grid,.metrics-grid,.process-grid{grid-template-columns:1fr}.concept-benefit{border-right:0;border-bottom:1px solid #e7e0d6}.bank-card{border-right:0!important}
}


/* v43 Topics page — Variant 1 premium business styling */
.topics-page .topic-grid{
  display:grid;
  grid-template-columns:repeat(4,minmax(0,1fr));
  gap:14px;
}
.topics-page .topic-card{
  background:#fff;
  border:1px solid #e5e3dd;
  border-radius:10px;
  overflow:hidden;
  text-decoration:none;
  color:#102b61;
  box-shadow:0 3px 12px rgba(20,38,64,.03);
  transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.topics-page .topic-card:hover{
  transform:translateY(-2px);
  box-shadow:0 12px 26px rgba(16,39,70,.08);
  border-color:#d8c3a0;
}
.topics-page .topic-card img{
  display:block;
  width:100%;
  height:112px;
  object-fit:cover;
}
.topics-page .topic-card .pad{
  position:relative;
  padding:14px 16px 16px;
  min-height:98px;
}
.topics-page .topic-card h3{
  margin:0 56px 6px 0;
  font:700 18px/1.08 Georgia, serif;
  color:#102b61;
}
.topics-page .topic-card p{
  margin:0;
  font:14px/1.4 Arial, sans-serif;
  color:#61708a;
}
.topics-page .topic-card .arrow{
  float:none;
  position:absolute;
  right:14px;
  top:14px;
  width:34px;
  height:34px;
  border:1px solid #d9bd93;
  border-radius:999px;
  display:flex;
  align-items:center;
  justify-content:center;
  color:#a8753a;
  background:#fffdfa;
  font-size:18px;
}
.topics-page .topics-bottom-row{
  display:grid;
  grid-template-columns:1.45fr .8fr;
  gap:26px;
  align-items:stretch;
}
.topics-page .topics-feature-card{
  display:grid;
  grid-template-columns:250px 1fr;
  gap:22px;
  align-items:stretch;
  padding:24px;
}
.topics-page .topics-feature-media img{
  width:100%;
  height:100%;
  min-height:220px;
  object-fit:cover;
  border-radius:8px;
  display:block;
}
.topics-page .topics-feature-copy{
  display:flex;
  flex-direction:column;
  justify-content:center;
}
.topics-page .topics-feature-copy h2{
  margin:6px 0 12px;
  font-size:34px;
  line-height:1.02;
  color:#102b61;
}
.topics-page .topics-feature-copy p{
  margin:0 0 18px;
  font:15px/1.55 Arial, sans-serif;
  color:#526179;
  max-width:640px;
}
.topics-page .topics-metal-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  min-height:48px;
  padding:0 26px;
  border:none;
  border-radius:999px;
  text-decoration:none;
  font:700 15px/1 Arial, sans-serif;
  color:#fff !important;
  background:linear-gradient(180deg,#e2c17a 0%,#c79844 52%,#a8772d 100%);
  box-shadow:inset 0 1px 0 rgba(255,255,255,.45), 0 8px 18px rgba(166,117,45,.22);
}
.topics-page .topics-metal-btn:hover{
  filter:brightness(1.03);
}
.topics-page .topics-newsletter-card{
  padding:24px 24px 22px;
  display:flex;
  flex-direction:column;
  justify-content:center;
  background:linear-gradient(135deg,#052348 0%,#0a2f5a 100%);
  border:1px solid rgba(196,155,81,.28);
}
.topics-page .topics-newsletter-card h2{
  margin:8px 0 12px;
  color:#f6efe0 !important;
  font-size:28px;
  line-height:1.05;
}
.topics-page .topics-newsletter-copy{
  margin:0 0 16px;
  color:rgba(255,255,255,.82) !important;
  font:14px/1.55 Arial, sans-serif;
}
.topics-page .topics-newsletter-form{
  display:grid;
  grid-template-columns:1fr 86px;
  gap:12px;
  padding:0 !important;
  background:none !important;
  margin:0;
}
.topics-page .topics-newsletter-form input{
  width:100%;
  box-sizing:border-box;
  min-height:48px;
  border-radius:10px;
  border:1px solid rgba(255,255,255,.16);
  background:#fff;
  color:#112b51;
  padding:0 16px;
  font:14px Arial, sans-serif;
}
.topics-page .topics-newsletter-button{
  min-height:48px;
  width:86px;
  padding:0;
  cursor:pointer;
  font-size:22px;
}
.topics-page .topics-newsletter-note{
  display:block;
  margin-top:10px;
  color:rgba(255,255,255,.62);
  font:12px/1.4 Arial, sans-serif;
}
@media(max-width:1180px){
  .topics-page .topic-grid{grid-template-columns:repeat(3,minmax(0,1fr));}
}
@media(max-width:940px){
  .topics-page .topics-bottom-row{grid-template-columns:1fr;}
  .topics-page .topics-feature-card{grid-template-columns:220px 1fr;}
}
@media(max-width:760px){
  .topics-page .topic-grid{grid-template-columns:repeat(2,minmax(0,1fr));}
  .topics-page .topics-feature-card{grid-template-columns:1fr;}
  .topics-page .topics-feature-media img{min-height:170px;}
}
@media(max-width:540px){
  .topics-page .topic-grid{grid-template-columns:1fr;}
  .topics-page .topics-newsletter-form{grid-template-columns:1fr;}
  .topics-page .topics-newsletter-button{width:100%;}
}



/* v75 — topics premium icon pass + cleaner one-line descriptors */
.topics-page .concept-benefit i{
  width:50px;
  height:50px;
  display:grid;
  place-items:center;
  border-radius:16px;
  background:linear-gradient(180deg,#efd8ac 0%,#cda15c 55%,#a5702b 100%);
  color:#fff8eb;
  font-size:19px;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.45),0 8px 18px rgba(166,117,45,.18);
}
.topics-page .topic-card .pad{
  padding:15px 60px 15px 16px;
  min-height:88px;
  display:flex;
  flex-direction:column;
  justify-content:center;
}
.topics-page .topic-card h3{
  margin:0 0 6px 0;
}
.topics-page .topic-card p{
  white-space:nowrap;
  overflow:hidden;
  text-overflow:ellipsis;
  font-size:13px;
  line-height:1.35;
}
.topics-page .topic-card .arrow{
  top:50%;
  right:16px;
  transform:translateY(-50%);
  width:38px;
  height:38px;
  border:1px solid #cfaa70;
  background:linear-gradient(180deg,#fffdfa 0%,#f7f1e7 100%);
  color:#9a6a2c;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.88),0 4px 12px rgba(17,38,68,.07);
}
.topics-page .topic-card:hover .arrow{
  background:linear-gradient(180deg,#edd39f 0%,#c89849 52%,#a16d2a 100%);
  border-color:#c08d48;
  color:#fff7e7;
}