@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600&family=Libre+Caslon+Display&display=swap');
:root{--navy:#031f3d;--navy2:#07192d;--blue:#0a3560;--ink:#17212b;--ivory:#f5f0e7;--paper:#fbfaf6;--gold:#c79a45;--gold2:#e2c17d;--aqua:#7fb8bd;--muted:#66717d;--line:#d9d3c9;--white:#fff;--max:1260px;--serif:'Libre Caslon Display',Georgia,serif;--sans:'DM Sans',Arial,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:15px;line-height:1.65}a{color:inherit;text-decoration:none}img{display:block;width:100%;height:100%;object-fit:cover}.shell{width:min(calc(100% - 72px),var(--max));margin:auto}.topline{height:34px;background:#02172d;color:#b8c7d4;font-size:10px;letter-spacing:.13em;text-transform:uppercase}.topline .shell{height:100%;display:flex;align-items:center;justify-content:space-between}.topline strong{color:#e6c77f;font-weight:500}.header{position:sticky;top:0;z-index:100;background:rgba(251,250,246,.96);backdrop-filter:blur(18px);border-bottom:1px solid rgba(3,31,61,.09)}.nav{height:94px;display:flex;align-items:center;gap:34px}.brand img{width:312px;height:auto;display:block}.navlinks{margin-left:auto;display:flex;align-items:center;gap:6px}.navlinks>a,.drop>button{border:0;background:none;padding:36px 13px;font:600 12px var(--sans);color:#2f3b48;cursor:pointer;position:relative}.navlinks>a:after,.drop>button:after{content:'';position:absolute;left:13px;right:13px;bottom:25px;height:1px;background:var(--gold);transform:scaleX(0);transition:.2s}.navlinks>a:hover:after,.drop>button:hover:after{transform:scaleX(1)}.navlinks .cta{background:var(--navy);color:#fff;padding:13px 18px;margin-left:7px}.navlinks .cta:after{display:none}.drop{position:relative}.mega{position:absolute;top:82px;right:-280px;width:760px;background:#fff;border:1px solid #e3ded5;box-shadow:0 26px 60px rgba(3,31,61,.14);padding:28px;display:grid;grid-template-columns:1.6fr .8fr;gap:28px;opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s}.drop:hover .mega,.drop.open .mega{opacity:1;visibility:visible;transform:none}.mega-title{font:400 25px var(--serif);color:var(--navy);margin-bottom:12px}.mega-grid{display:grid;grid-template-columns:1fr 1fr;border-top:1px solid var(--line)}.mega a{padding:14px 4px;border-bottom:1px solid var(--line);display:block}.mega a:nth-child(odd){padding-right:16px}.mega a b{display:block;color:var(--navy);font-size:12px}.mega a span{font-size:11px;color:var(--muted)}.mega-aside{background:var(--ivory);padding:22px}.mega-aside small{display:block;text-transform:uppercase;letter-spacing:.12em;color:#8a6a2d;font-size:9px}.mega-aside p{font:400 25px/1.15 var(--serif);color:var(--navy)}.menu{display:none;border:1px solid #ccd2d8;background:#fff;padding:9px 11px;color:var(--navy)}
.hero{position:relative;background:var(--navy2);color:#fff;min-height:780px;overflow:hidden}.hero-media{position:absolute;inset:0}.hero-media img{filter:saturate(.9) contrast(1.02)}.hero-media:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(2,23,45,.97) 0%,rgba(2,23,45,.86) 40%,rgba(2,23,45,.38) 72%,rgba(2,23,45,.2)),linear-gradient(0deg,rgba(2,23,45,.55),transparent 50%)}.hero .shell{min-height:780px;position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,790px) 1fr;align-items:center}.hero-copy{padding:86px 0 120px}.kicker{font-size:10px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold2);font-weight:600}.hero h1{font:400 clamp(58px,6.4vw,96px)/.93 var(--serif);letter-spacing:-.035em;margin:18px 0 22px;max-width:850px}.hero h1 em{font-style:normal;color:#f1d28e}.hero p{max-width:620px;color:#d2dce6;font-size:17px}.hero-actions{display:flex;gap:11px;flex-wrap:wrap;margin-top:30px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 19px;border:1px solid transparent;font-size:11px;font-weight:600;letter-spacing:.03em;text-transform:uppercase;transition:.2s}.btn.gold{background:var(--gold2);color:#1b2732}.btn.outline{border-color:rgba(255,255,255,.5);color:#fff}.btn.navy{background:var(--navy);color:white}.btn.light{border-color:#c8c1b5;color:var(--navy)}.btn:hover{transform:translateY(-2px)}.since{position:absolute;z-index:3;left:0;right:0;bottom:-2px;pointer-events:none}.since .shell{min-height:0;display:block}.since-text{font:400 clamp(86px,12vw,180px)/.72 var(--serif);letter-spacing:-.045em;color:rgba(255,255,255,.96);white-space:nowrap}.since-text span{color:var(--gold2)}
.hero-meta{background:var(--ivory);border-bottom:1px solid var(--line)}.hero-meta .shell{display:grid;grid-template-columns:1.15fr repeat(3,1fr)}.meta-lead,.meta{padding:25px 26px;border-right:1px solid var(--line)}.meta-lead{padding-left:0}.meta-lead b{font:400 25px var(--serif);color:var(--navy)}.meta b{display:block;color:var(--navy);font-size:12px}.meta span{font-size:11px;color:var(--muted)}
.section{padding:112px 0}.section.ivory{background:var(--ivory)}.section.navy{background:var(--navy2);color:#fff}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:76px;align-items:center}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.eyebrow{font-size:10px;letter-spacing:.19em;text-transform:uppercase;color:#8b6c31;font-weight:600}.navy .eyebrow{color:var(--gold2)}.h2{font:400 clamp(45px,5vw,73px)/1 var(--serif);color:var(--navy);letter-spacing:-.026em;margin:12px 0 22px}.navy .h2{color:#fff}.lede{font-size:17px;color:var(--muted);max-width:780px}.navy .lede{color:#b9c7d4}.image-frame{position:relative;min-height:560px;overflow:hidden}.image-frame:before{content:'';position:absolute;z-index:2;inset:18px;border:1px solid rgba(255,255,255,.45);pointer-events:none}.image-caption{position:absolute;z-index:3;left:30px;bottom:28px;background:rgba(3,31,61,.92);color:white;padding:16px 18px;max-width:340px}.image-caption small{display:block;text-transform:uppercase;letter-spacing:.14em;color:var(--gold2);font-size:9px}.image-caption b{font:400 24px var(--serif)}.service-list{margin-top:36px;border-top:1px solid var(--line)}.service-item{display:grid;grid-template-columns:56px 1.2fr 1fr 28px;gap:22px;align-items:center;padding:23px 0;border-bottom:1px solid var(--line)}.service-item .num{font:400 18px var(--serif);color:#9b8a6e}.service-item h3{margin:0;font:400 24px var(--serif);color:var(--navy)}.service-item p{margin:0;font-size:12px;color:var(--muted)}.service-item .arrow{font-size:18px;color:var(--gold)}.stat-band{display:grid;grid-template-columns:1.2fr repeat(3,1fr);border-top:1px solid #28445f;border-bottom:1px solid #28445f;margin-top:40px}.stat-band>div{padding:28px 24px;border-right:1px solid #28445f}.stat-band>div:first-child{padding-left:0}.stat-band b{font:400 30px var(--serif);display:block;color:#fff}.stat-band span{font-size:11px;color:#91a4b6}.feature-split{display:grid;grid-template-columns:1.18fr .82fr;gap:20px;margin-top:34px}.feature{min-height:560px;position:relative;overflow:hidden;color:white}.feature.small{min-height:270px}.feature:after{content:'';position:absolute;inset:0;background:linear-gradient(0deg,rgba(2,23,45,.92),rgba(2,23,45,.04) 75%)}.feature-copy{position:absolute;z-index:2;left:28px;right:28px;bottom:26px}.feature-copy small{font-size:9px;letter-spacing:.15em;text-transform:uppercase;color:#f0ce84}.feature-copy h3{font:400 33px/1 var(--serif);margin:5px 0 5px}.feature-copy p{font-size:12px;color:#e1e8ee;max-width:480px;margin:0}.feature-stack{display:grid;gap:20px}.barbados-band{background:linear-gradient(90deg,#062b55 0 42%,#f2eadc 42%);overflow:hidden}.barbados-grid{display:grid;grid-template-columns:.82fr 1.18fr}.barbados-photo{min-height:600px}.barbados-copy{padding:82px 0 80px 76px}.barbados-copy .h2{max-width:700px}.reason-list{margin-top:30px;border-top:1px solid #d4cbbb}.reason{display:grid;grid-template-columns:38px 1fr;gap:18px;padding:19px 0;border-bottom:1px solid #d4cbbb}.reason .icon{font:400 27px var(--serif);color:#9c752e}.reason b{display:block;color:var(--navy)}.reason span{font-size:12px;color:var(--muted)}
.board-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:15px;margin-top:34px}.person{background:#fff;border:1px solid var(--line)}.person-photo{height:340px;overflow:hidden}.person-copy{padding:18px}.person-copy small{font-size:9px;letter-spacing:.12em;text-transform:uppercase;color:#887044}.person-copy h3{font:400 24px var(--serif);color:var(--navy);margin:4px 0 2px}.person-copy p{margin:0;color:var(--muted);font-size:11px}.quote{padding:70px 0;background:var(--gold2);color:#122234}.quote blockquote{font:400 clamp(34px,4.2vw,58px)/1.05 var(--serif);margin:0;max-width:1080px}.quote cite{display:block;margin-top:17px;font:600 9px var(--sans);letter-spacing:.18em;text-transform:uppercase}.page-hero{background:var(--navy2);color:white;padding:100px 0 76px;position:relative;overflow:hidden}.page-hero:after{content:'1996';position:absolute;right:-25px;bottom:-75px;font:400 190px var(--serif);color:rgba(255,255,255,.035)}.crumb{font-size:9px;letter-spacing:.18em;text-transform:uppercase;color:#95a8ba}.page-hero h1{font:400 clamp(54px,6.5vw,90px)/.95 var(--serif);letter-spacing:-.03em;margin:16px 0 18px;max-width:930px}.page-hero p{max-width:760px;color:#bac7d3;font-size:17px}.subnav{position:sticky;top:94px;z-index:60;background:#fff;border-bottom:1px solid var(--line)}.subnav .shell{display:flex;gap:25px;overflow:auto;padding:13px 0;white-space:nowrap}.subnav a{font-size:10px;font-weight:600;color:#44515e}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{padding:28px;background:#fff;border:1px solid var(--line)}.card .n{font:400 24px var(--serif);color:var(--gold)}.card h3{font:400 28px var(--serif);color:var(--navy);margin:10px 0}.card p{font-size:13px;color:var(--muted)}.timeline{border-left:1px solid var(--line);padding-left:28px}.timeline div{position:relative;padding:0 0 28px}.timeline div:before{content:'';position:absolute;left:-33px;top:8px;width:9px;height:9px;background:var(--gold);border:2px solid var(--paper)}.timeline b{color:var(--navy)}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:72px}.contact-list{border-top:1px solid var(--line)}.contact-row{padding:18px 0;border-bottom:1px solid var(--line)}.contact-row small{font-size:9px;letter-spacing:.15em;text-transform:uppercase;color:#8a6c36}.contact-row strong,.contact-row a{display:block;color:var(--navy);font-size:15px;margin-top:3px}.form{display:grid;grid-template-columns:1fr 1fr;gap:15px}.field{display:flex;flex-direction:column;gap:6px}.field.full{grid-column:1/-1}.field label{font-size:10px;font-weight:600}.field input,.field select,.field textarea{border:1px solid #cfc8bd;background:#fff;padding:14px;font:inherit}.field textarea{min-height:140px}.form-note{font-size:11px;color:var(--muted)}
.footer{background:#02162b;color:#d5dee7;padding:70px 0 28px}.footer-grid{display:grid;grid-template-columns:1.6fr repeat(3,1fr);gap:48px}.footer .brand img{filter:brightness(0) invert(1) sepia(.15);opacity:.94}.footer p{font-size:12px;color:#91a4b6;max-width:390px}.footer h4{font-size:9px;text-transform:uppercase;letter-spacing:.16em;color:#e4c273;margin:0 0 16px}.footer a{display:block;margin:8px 0;font-size:12px;color:#d4dee8}.footer-bottom{border-top:1px solid #243d58;margin-top:45px;padding-top:18px;display:flex;justify-content:space-between;gap:22px;font-size:9px;color:#7d92a8}.flagline{height:4px;display:grid;grid-template-columns:2fr 1fr 2fr}.flagline i:nth-child(1),.flagline i:nth-child(3){background:#00267f}.flagline i:nth-child(2){background:#ffc726}
@media(max-width:1050px){.shell{width:min(calc(100% - 42px),var(--max))}.brand img{width:250px}.menu{display:block;margin-left:auto}.navlinks{display:none;position:absolute;top:94px;left:0;right:0;background:#fff;padding:14px 22px;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch}.navlinks.open{display:flex}.navlinks>a,.drop>button{padding:14px 4px;text-align:left}.mega{position:static;width:auto;right:auto;top:auto;opacity:1;visibility:visible;transform:none;display:none;box-shadow:none;margin-top:2px}.drop.open .mega{display:grid}.grid2,.barbados-grid,.contact-grid{grid-template-columns:1fr}.barbados-band{background:var(--ivory)}.barbados-photo{min-height:460px}.barbados-copy{padding:70px 0}.hero .shell{grid-template-columns:1fr}.hero-meta .shell{grid-template-columns:1fr 1fr}.meta-lead{grid-column:1/-1}.feature-split{grid-template-columns:1fr}.board-strip{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:680px){.shell{width:min(calc(100% - 28px),var(--max))}.topline{display:none}.nav{height:76px}.brand img{width:205px}.navlinks{top:76px}.hero,.hero .shell{min-height:690px}.hero-copy{padding:66px 0 130px}.hero h1{font-size:55px}.since-text{font-size:74px;line-height:.8;white-space:normal}.hero-meta .shell,.grid3,.cards,.board-strip,.footer-grid,.form{grid-template-columns:1fr}.meta-lead{grid-column:auto}.meta,.meta-lead{border-right:0;border-bottom:1px solid var(--line);padding-left:0}.section{padding:78px 0}.grid2{gap:42px}.image-frame{min-height:420px}.service-item{grid-template-columns:44px 1fr 24px}.service-item p{display:none}.stat-band{grid-template-columns:1fr}.stat-band>div{border-right:0;border-bottom:1px solid #28445f;padding-left:0}.feature{min-height:430px}.feature.small{min-height:360px}.barbados-photo{min-height:360px}.barbados-copy{padding:60px 0}.person-photo{height:390px}.page-hero{padding:78px 0 58px}.page-hero h1{font-size:55px}.subnav{top:76px}.footer-bottom{flex-direction:column}}

/* V4.1 — bespoke footer and Caribbean board refinement */
.board-home{background:linear-gradient(180deg,#fbf8f0 0%,#f3ede1 100%)}
.board-heading{display:grid;grid-template-columns:1.25fr .75fr;gap:80px;align-items:end;margin-bottom:10px}
.board-heading .lede{margin:0 0 10px;max-width:520px}
.board-page .board-heading{margin-bottom:34px}
.board-grid-six{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.board-person{position:relative;overflow:hidden}
.board-person .person-photo{height:410px;background:#d8d0c3}
.board-person .person-photo img,.person-photo img{width:100%;height:100%;object-fit:cover;object-position:center top;filter:saturate(.82) contrast(1.02)}
.board-person:nth-child(1) .person-photo img,.board-person:nth-child(5) .person-photo img{object-position:center 18%}
.person-email{display:inline-block!important;margin-top:14px!important;font-size:10px!important;color:#7d642e!important;border-bottom:1px solid #c4a863;padding-bottom:2px}
.board-note{display:grid;grid-template-columns:220px 1fr;gap:28px;margin-top:34px;padding:24px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.board-note strong{text-transform:uppercase;letter-spacing:.14em;font-size:10px;color:var(--gold)}
.board-note p{margin:0;color:var(--muted);font-size:13px}

.footer-v2{background:#031a31;color:#edf1f4;padding:0;position:relative;overflow:hidden}
.footer-v2:before{content:'1996';position:absolute;right:-35px;bottom:-70px;font:400 280px/.8 var(--serif);color:rgba(255,255,255,.025);pointer-events:none}
.footer-intro{display:grid;grid-template-columns:1.3fr .7fr;gap:80px;padding:82px 0 64px;border-bottom:1px solid rgba(255,255,255,.14)}
.footer-kicker,.footer-panel-label{display:block;font:600 9px var(--sans);letter-spacing:.2em;text-transform:uppercase;color:#e7c16d;margin-bottom:18px}
.footer-manifesto h2{margin:0;font:400 clamp(46px,5.4vw,78px)/.93 var(--serif);letter-spacing:-.035em;color:#fff;max-width:820px}
.footer-manifesto h2 em{font-style:italic;color:#e8c46f;font-weight:400}
.footer-manifesto p{max-width:620px;margin:24px 0 30px;color:#9fb0c0;font-size:14px;line-height:1.7}
.footer-cta{display:inline-flex!important;align-items:center;gap:14px;margin:0!important;color:#fff!important;font-size:12px!important;font-weight:600;border-bottom:1px solid #d3aa50;padding:0 0 8px}
.footer-cta span{font-size:17px;color:#e4bb62}
.footer-contact-panel{align-self:start;border-left:1px solid rgba(255,255,255,.16);padding-left:42px}
.footer-contact-panel>a,.footer-place{display:block!important;margin:0!important;padding:15px 0;border-bottom:1px solid rgba(255,255,255,.11)}
.footer-contact-panel small,.footer-place small{display:block;font-size:8px;text-transform:uppercase;letter-spacing:.14em;color:#758ba0;margin-bottom:5px}
.footer-contact-panel strong,.footer-place strong{font-size:13px;font-weight:500;color:#f2f5f7}
.footer-routes{display:grid;grid-template-columns:repeat(4,1fr);border-bottom:1px solid rgba(255,255,255,.14)}
.footer-routes a{margin:0!important;padding:28px 25px 30px 0;border-right:1px solid rgba(255,255,255,.12);min-height:142px;transition:background .25s ease,padding-left .25s ease}
.footer-routes a:not(:first-child){padding-left:25px}
.footer-routes a:last-child{border-right:0}
.footer-routes a:hover{background:rgba(255,255,255,.035)}
.footer-routes span{display:block;font:500 9px var(--sans);letter-spacing:.16em;color:#c69f4e;margin-bottom:15px}
.footer-routes b{display:block;font:400 22px var(--serif);color:#fff;margin-bottom:7px}
.footer-routes small{display:block;color:#8195a8;font-size:10px;line-height:1.55;max-width:220px}
.footer-signoff{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:36px;padding:28px 0 30px}
.footer-brand img{width:235px!important;filter:brightness(0) invert(1) sepia(.08)!important;opacity:.9!important}
.footer-established{display:flex;align-items:baseline;gap:9px;padding:0 28px;border-left:1px solid rgba(255,255,255,.12);border-right:1px solid rgba(255,255,255,.12)}
.footer-established span{text-transform:uppercase;letter-spacing:.15em;font-size:8px;color:#70869a}
.footer-established strong{font:400 30px var(--serif);color:#e6c16b}
.footer-legal{justify-self:end;text-align:right;font-size:8px;color:#6e8499;line-height:1.8;letter-spacing:.04em}
.footer-legal span{display:block}

@media(max-width:1050px){
  .board-heading{grid-template-columns:1fr;gap:20px}.board-grid-six{grid-template-columns:1fr 1fr}
  .footer-intro{grid-template-columns:1fr;gap:48px}.footer-contact-panel{border-left:0;border-top:1px solid rgba(255,255,255,.14);padding:28px 0 0}.footer-routes{grid-template-columns:1fr 1fr}.footer-routes a:nth-child(2){border-right:0}.footer-routes a:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.12)}.footer-signoff{grid-template-columns:1fr auto}.footer-legal{grid-column:1/-1;justify-self:start;text-align:left}.footer-established{border-right:0}
}
@media(max-width:680px){
  .board-grid-six{grid-template-columns:1fr}.board-person .person-photo{height:430px}.board-note{grid-template-columns:1fr;gap:8px}.footer-intro{padding:64px 0 44px}.footer-manifesto h2{font-size:46px}.footer-routes{grid-template-columns:1fr}.footer-routes a,.footer-routes a:not(:first-child){padding:22px 0;border-right:0;border-bottom:1px solid rgba(255,255,255,.12)!important;min-height:auto}.footer-signoff{grid-template-columns:1fr;gap:22px}.footer-established{padding:0;border:0}.footer-brand img{width:215px!important}.footer-v2:before{font-size:180px;bottom:-30px}
}


/* V5 — corporate navigation + Investor Relations */
.corpbar{height:38px;background:#021426;color:#9eb0c1;border-bottom:1px solid rgba(255,255,255,.08);font-size:9px;text-transform:uppercase;letter-spacing:.14em}.corpbar .shell{height:100%;display:flex;align-items:center;justify-content:space-between}.corpbar-left,.corpbar-right{display:flex;align-items:center;gap:16px}.corpbar-left i{width:1px;height:12px;background:#36506a}.corpbar-left strong{color:#e1bb68;font-weight:600}.corpbar-right a{color:#aebcca}.corpbar-right a:hover{color:white}.header-v5{top:0}.nav-v5{height:88px}.nav-v5 .brand img{width:288px}.navlinks-v5{gap:2px}.navlinks-v5>a,.navlinks-v5 .drop>button{padding:33px 11px}.navlinks-v5 .cta{padding:12px 16px}.mega-compact{width:700px}.mega-investors{width:720px}.ir-aside{background:linear-gradient(180deg,#f8f1e3,#eee3d0)}
.ir-hero{background:radial-gradient(circle at 75% 20%,#0c416c 0,#052c53 34%,#02172d 72%);color:#fff;padding:110px 0 88px;position:relative;overflow:hidden}.ir-hero:after{content:'1996';position:absolute;right:-20px;bottom:-105px;font:400 260px/.8 var(--serif);color:rgba(255,255,255,.035)}.ir-hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:80px;align-items:end}.ir-hero h1{font:400 clamp(56px,6.5vw,92px)/.94 var(--serif);letter-spacing:-.035em;margin:18px 0 22px}.ir-hero p{max-width:720px;color:#c0cfdb;font-size:17px}.ir-snapshot{border-left:1px solid rgba(255,255,255,.2);padding-left:34px}.ir-snapshot>small{display:block;color:#e8c66f;text-transform:uppercase;letter-spacing:.18em;font-size:9px;margin-bottom:14px}.ir-snapshot div{padding:14px 0;border-bottom:1px solid rgba(255,255,255,.14)}.ir-snapshot b{display:block;font:400 35px var(--serif);color:#fff}.ir-snapshot 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