.esmi{--navy-deep:#071435;--navy:#0b1f4b;--navy-mid:#122660;--teal:#00a3c4;--teal-light:#33c1dc;--teal-dark:#007a94;--gold:#c8922a;--gold-light:#e0b060;--white:#fff;--off-white:#f4f6fa;--grey-light:#e8ecf4;--grey-mid:#8a9ab8;--text-dark:#0d1b3e;--text-body:#2c3a5c;--text-muted:#6a7794;font-family:var(--font-hanken), -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;color:var(--text-body);background:var(--white);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;letter-spacing:-.011em;line-height:1.65}.esmi *,.esmi :before,.esmi :after{box-sizing:border-box;margin:0;padding:0}.esmi h1,.esmi h2,.esmi h3,.esmi h4,.esmi h5,.esmi h6{font-family:var(--font-hanken), -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;color:var(--text-dark);letter-spacing:-.022em;line-height:1.12}.esmi a{color:inherit;text-decoration:none}.esmi img{max-width:100%}.esmi .audience-bar{z-index:1001;background:var(--navy-deep);justify-content:flex-start;align-items:stretch;height:52px;padding:0 5%;display:flex;position:fixed;top:0;left:0;right:0}.esmi .audience-bar-inner{align-items:stretch;gap:0;display:flex}.esmi .audience-tab{font-family:var(--font-hanken), sans-serif;letter-spacing:-.005em;color:#fff9;border-bottom:2px solid #0000;align-items:center;padding:0 1.4rem;font-size:.8rem;font-weight:600;transition:color .2s,border-color .2s,background .2s;display:flex}.esmi .audience-tab:hover{color:#fff}.esmi .audience-tab.active{color:#fff;border-bottom-color:var(--teal)}.esmi .audience-tab+.audience-tab{border-left:1px solid #ffffff1a}.esmi .nav{z-index:1000;border-bottom:1px solid var(--grey-light);background:#fff;justify-content:space-between;align-items:center;height:80px;padding:0 5%;transition:background .3s,border-color .3s;display:flex;position:fixed;top:52px;left:0;right:0}.esmi .nav.scrolled{background:#fff;border-bottom:1px solid #dce2ee}.esmi .nav-logo img{height:54px}.esmi .nav-links{gap:2rem;list-style:none;display:flex}.esmi .nav-links a{font-family:var(--font-hanken), sans-serif;color:var(--navy);letter-spacing:.03em;font-size:.9rem;font-weight:600;transition:color .2s}.esmi .nav-links a:hover,.esmi .nav-links a.active{color:var(--teal-dark)}.esmi .nav-cta{background:var(--teal);font-family:var(--font-hanken), sans-serif;letter-spacing:.04em;border-radius:4px;padding:.5rem 1.4rem;font-size:.85rem;font-weight:700;transition:background .2s;color:#fff!important}.esmi .nav-cta:hover{background:var(--teal-light)!important;color:var(--navy-deep)!important}.esmi .nav-actions{align-items:center;gap:1.5rem;display:flex}.esmi .nav-exchange{background:var(--gold);font-family:var(--font-hanken), sans-serif;letter-spacing:.04em;white-space:nowrap;border-radius:4px;padding:.5rem 1.4rem;font-size:.85rem;font-weight:700;transition:background .2s,transform .2s,box-shadow .2s;display:inline-block;box-shadow:0 2px 8px 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.hero-actions{flex-wrap:wrap;gap:1rem;margin-bottom:3.5rem;display:flex}.esmi .btn-primary{background:var(--teal);color:#fff;font-family:var(--font-hanken), sans-serif;letter-spacing:-.01em;border-radius:6px;padding:.95rem 2.1rem;font-size:.95rem;font-weight:600;transition:background .2s;display:inline-block}.esmi .btn-primary:hover{background:var(--teal-light);color:var(--navy-deep)}.esmi .btn-outline{border:1.5px solid var(--grey-light);color:var(--navy);text-align:center;min-width:200px;font-family:var(--font-hanken), sans-serif;letter-spacing:-.01em;border-radius:6px;padding:.95rem 2.1rem;font-size:.95rem;font-weight:500;transition:all .2s;display:inline-block}.esmi .btn-outline:hover{border-color:var(--teal);color:var(--teal-dark)}.esmi .hero-trust{flex-wrap:wrap;align-items:center;gap:2rem;display:flex}.esmi .trust-item{font-family:var(--font-hanken), 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var(--grey-light);background:#fff;border-radius:10px;align-items:flex-start;gap:1.4rem;padding:2.2rem;transition:border-color .2s;display:flex}.esmi .expert-card:hover{border-color:var(--teal)}.esmi .expert-avatar{object-fit:cover;border-radius:50%;flex-shrink:0;width:72px;height:72px}.esmi .expert-avatar-fallback{background:linear-gradient(135deg, var(--navy) 0%, var(--teal-dark) 100%);color:#fff;width:72px;height:72px;font-family:var(--font-hanken), sans-serif;letter-spacing:-.01em;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:1.3rem;font-weight:800;display:flex}.esmi .expert-body h3{font-family:var(--font-hanken), sans-serif;color:var(--text-dark);letter-spacing:-.01em;margin-bottom:.5rem;font-size:1.15rem;font-weight:800}.esmi .expert-body p{color:var(--text-body);font-size:.95rem;line-height:1.6}.esmi .cpd-section{background:var(--white)}.esmi .cpd-inner{text-align:center;max-width:760px;margin:0 auto}.esmi .cpd-inner 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.cta-actions{flex-wrap:wrap;justify-content:center;gap:1rem;display:flex}.esmi .cta-fineprint{color:#ffffff80;margin:1.4rem auto 0;font-size:.8rem}.esmi .btn-gold{background:var(--gold);color:var(--navy-deep);text-align:center;min-width:200px;font-family:var(--font-hanken), sans-serif;letter-spacing:.03em;border-radius:4px;padding:.9rem 2.2rem;font-size:.95rem;font-weight:800;transition:all .2s;display:inline-block}.esmi .btn-gold:hover{background:var(--gold-light);transform:translateY(-1px)}.esmi .cta-band .btn-outline{color:#ffffffe6;border-color:#ffffff4d}.esmi .cta-band .btn-outline:hover{border-color:var(--teal-light);color:var(--teal-light)}.esmi .footer{background:var(--off-white);border-top:1px solid var(--grey-light);padding:4rem 5% 2rem}.esmi .footer-grid{border-bottom:1px solid var(--grey-light);grid-template-columns:2fr 1fr 1fr 1.5fr;gap:3rem;max-width:1100px;margin:0 auto;padding-bottom:3rem;display:grid}.esmi .footer-brand img{height:44px;margin-bottom:1.2rem}.esmi .footer-brand p{color:var(--grey-mid);max-width:280px;font-size:.85rem;line-height:1.65}.esmi .footer-heading{font-family:var(--font-hanken), sans-serif;letter-spacing:.1em;text-transform:uppercase;color:var(--grey-mid);margin-bottom:1rem;font-size:.75rem;font-weight:700}.esmi .footer-links{list-style:none}.esmi .footer-links li{margin-bottom:.6rem}.esmi .footer-links a{font-family:var(--font-hanken), sans-serif;color:var(--text-body);font-size:.85rem;font-weight:500;transition:color .2s}.esmi .footer-links a:hover{color:var(--teal-light)}.esmi .footer-contact p{color:var(--text-body);margin-bottom:.5rem;font-size:.85rem;line-height:1.5}.esmi .footer-contact a{color:var(--teal-light)}.esmi .footer-legal{border-top:1px solid var(--grey-light);max-width:1100px;margin:3rem auto 0;padding-top:1rem}.esmi .footer-legal p{font-family:var(--font-hanken), sans-serif;color:#4a5568;font-size:.75rem;line-height:1.6}.esmi .footer-bottom{max-width:1100px;font-family:var(--font-hanken), 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.suggest-fab:hover{background:var(--navy-mid);transform:translateY(-2px)}.esmi .suggest-fab:focus-visible{outline:2px solid var(--teal);outline-offset:2px}.esmi .suggest-backdrop{z-index:1010;background:#07143500;place-items:center;padding:1rem;transition:background .2s;display:grid;position:fixed;inset:0}.esmi .suggest-backdrop.is-shown{background:#07143573}.esmi .suggest-panel{border:1px solid var(--grey-light);background:var(--white);opacity:0;border-radius:14px;width:100%;max-width:27rem;max-height:calc(100vh - 2rem);padding:1.75rem;transition:opacity .25s ease-out,transform .25s ease-out;position:relative;overflow-y:auto;transform:translateY(8px)scale(.97);box-shadow:0 24px 60px #0714354d}.esmi .suggest-panel.is-shown{opacity:1;transform:translateY(0)scale(1)}.esmi .suggest-close{color:var(--text-muted);cursor:pointer;background:0 0;border:none;padding:.25rem .5rem;font-size:1.6rem;line-height:1;position:absolute;top:.5rem;right:.75rem}.esmi .suggest-close:hover{color:var(--text-dark)}.esmi .suggest-title{font-size:1.2rem;font-weight:800}.esmi .suggest-lede{color:var(--text-muted);margin-top:.4rem;font-size:.9rem}.esmi .suggest-field{flex-direction:column;gap:.4rem;margin-top:1.1rem;display:flex}.esmi .suggest-label{color:var(--text-dark);letter-spacing:.08em;text-transform:uppercase;font-size:.7rem;font-weight:700}.esmi .suggest-optional{color:var(--text-muted);text-transform:none;letter-spacing:0;font-weight:600}.esmi .suggest-input{border:1px solid var(--grey-light);background:var(--white);width:100%;color:var(--text-dark);border-radius:6px;padding:.6rem .75rem;font-family:inherit;font-size:.9rem}.esmi .suggest-input:focus-visible{outline:2px solid var(--teal);outline-offset:1px}.esmi .suggest-textarea{resize:vertical;min-height:7rem}.esmi .suggest-note{color:var(--text-muted);font-size:.78rem;line-height:1.5}.esmi .suggest-note a{color:var(--teal-dark);text-decoration:underline}.esmi .suggest-hp{width:1px;height:1px;position:absolute;left:-9999px;overflow:hidden}.esmi .suggest-error{color:#b3402f;margin-top:.9rem;font-size:.85rem}.esmi .suggest-actions{justify-content:flex-end;gap:.6rem;margin-top:1.4rem;display:flex}.esmi .suggest-submit,.esmi .suggest-cancel{cursor:pointer;border-radius:6px;padding:.6rem 1.2rem;font-family:inherit;font-size:.875rem;font-weight:700}.esmi .suggest-submit{background:var(--teal);color:var(--white);border:none}.esmi .suggest-submit:hover:not(:disabled){background:var(--teal-dark)}.esmi .suggest-cancel{border:1.5px solid var(--navy);color:var(--navy);background:0 0}.esmi .suggest-cancel:hover:not(:disabled){background:var(--navy);color:var(--white)}.esmi .suggest-submit:disabled,.esmi .suggest-cancel:disabled{opacity:.5;cursor:default}.esmi .suggest-done .suggest-submit{margin-top:1.4rem}@media (max-width:600px){.esmi .suggest-fab{padding:.8rem;bottom:1rem;right:1rem}.esmi .suggest-fab-label{display:none}}