/* Styles for this page only: /process/ */
.bgx-pc{
  --pc-ink:#0A1A33; --pc-deep:#071631; --pc-body:#3A4763; --pc-muted:#6B7690; --pc-line:#DCE2EA; --pc-grey:#F3F5F8;
  --pc-accent:#1F5FB4; --pc-accent-lt:#7FB0F0; --pc-red:#B42318; --pc-green:#1E7B4A;
  --pc-font:"Plus Jakarta Sans","Inter","Helvetica Neue",Arial,sans-serif;
  position:relative; font-family:var(--pc-font); color:var(--pc-ink); background:#fff; padding:88px clamp(16px,4vw,48px);
}
.bgx-pc *,.bgx-pc *::before,.bgx-pc *::after{box-sizing:border-box}
.bgx-pc__wrap{max-width:1268px; margin:0 auto} /* matches the site content width (1268px) */
.bgx-pc__eyebrow{display:inline-flex; align-items:center; gap:12px; margin:0 0 14px; font-size:12.5px; font-weight:600; letter-spacing:.18em; text-transform:uppercase; color:var(--pc-accent)}
.bgx-pc__eyebrow::before{content:""; width:28px; height:1px; background:currentColor; opacity:.6}
.bgx-pc__lead{margin:0; font-size:17px; line-height:1.65; color:var(--pc-body)}
.bgx-pc__h{margin:0; font-size:clamp(26px,2.8vw,36px); line-height:1.15; font-weight:700; letter-spacing:-.02em; text-wrap:balance}
.bgx-pc a:focus-visible{outline:3px solid var(--pc-accent-lt); outline-offset:2px}
/* intro */
.bgx-pc--intro{padding-bottom:0}
.bgx-pc__intro{display:grid; grid-template-columns:minmax(0,6fr) minmax(0,5fr); gap:24px 80px; align-items:end}
.bgx-pc__h1{margin:0; font-size:clamp(32px,3.8vw,48px); line-height:1.08; font-weight:700; letter-spacing:-.024em; text-wrap:balance}
/* overview rail */
.bgx-pc__rail{position:relative; display:grid; grid-template-columns:repeat(5,minmax(0,1fr)); margin:56px 0 0; padding:0; list-style:none; color:#fff;
  background:radial-gradient(520px 260px at 90% 0%, rgba(31,95,180,.4), transparent 70%), var(--pc-ink); box-shadow:0 30px 60px -30px rgba(10,26,51,.5)}
.bgx-pc__rail::before{content:""; position:absolute; inset:0; pointer-events:none; background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px); background-size:32px 32px}
.bgx-pc__rail li{position:relative}
.bgx-pc__rail li + li{border-left:1px solid rgba(255,255,255,.12)}
.bgx-pc__rail a{display:block; height:100%; padding:24px 22px 26px; color:#fff; text-decoration:none; transition:background .2s ease}
.bgx-pc__rail a:hover{background:rgba(31,95,180,.35)}
.bgx-pc__rail b{display:block; font-size:12px; font-weight:700; letter-spacing:.14em; color:var(--pc-accent-lt)}
.bgx-pc__rail strong{display:block; margin-top:10px; font-size:17px; line-height:1.3}
.bgx-pc__rail span{display:block; margin-top:6px; font-size:13.5px; line-height:1.5; color:rgba(255,255,255,.68)}
/* steps */
.bgx-pc--steps{padding-top:96px}
.bgx-pc__steps{position:relative; margin:0; padding:0; list-style:none}
.bgx-pc__steps::before{content:""; position:absolute; left:27px; top:28px; bottom:28px; width:2px; opacity:.5; background:repeating-linear-gradient(180deg,var(--pc-accent) 0 8px,transparent 8px 15px)}
.bgx-pc__step{position:relative; display:grid; grid-template-columns:56px minmax(0,4fr) minmax(0,7fr); gap:0 40px; padding:0 0 64px; scroll-margin-top:24px}
.bgx-pc__step:last-child{padding-bottom:0}
.bgx-pc__num{display:grid; place-items:center; width:56px; height:56px; background:var(--pc-ink); color:#fff; font-size:15px; font-weight:700; letter-spacing:.04em; box-shadow:0 0 0 8px #fff}
.bgx-pc__step:first-child .bgx-pc__num{background:var(--pc-accent)}
.bgx-pc__head .bgx-pc__eyebrow{margin-bottom:10px}
.bgx-pc__head h2{margin:0; font-size:clamp(22px,2.2vw,28px); line-height:1.2; font-weight:700; letter-spacing:-.015em}
.bgx-pc__head p{margin:12px 0 0; font-size:16px; line-height:1.65; color:var(--pc-body)}
.bgx-pc__card{display:grid; grid-template-columns:minmax(0,1fr) minmax(0,1fr); align-self:start; align-content:start; background:#fff;
  box-shadow:0 0 0 1px rgba(10,26,51,.07), 0 0 26px rgba(10,26,51,.05), 0 16px 34px -24px rgba(10,26,51,.28); border-top:3px solid var(--pc-ink)}
.bgx-pc__col{padding:24px 26px}
.bgx-pc__col + .bgx-pc__col{border-left:1px solid var(--pc-line)}
.bgx-pc__col h3{margin:0 0 12px; font-size:11.5px; font-weight:700; letter-spacing:.16em; text-transform:uppercase; color:var(--pc-muted)}
.bgx-pc__col ul{margin:0; padding:0; list-style:none; display:grid; gap:10px}
.bgx-pc__col li{position:relative; padding-left:18px; font-size:14.5px; line-height:1.55; color:var(--pc-body)}
.bgx-pc__col li::before{content:""; position:absolute; left:0; top:.6em; width:7px; height:7px; background:var(--pc-accent)}
.bgx-pc__col--get li::before{background:var(--pc-ink)}
.bgx-pc__saves{grid-column:1 / -1; display:flex; gap:12px; align-items:flex-start; margin:0; padding:16px 26px; background:var(--pc-grey); border-top:1px solid var(--pc-line); font-size:14.5px; line-height:1.55; color:var(--pc-ink)}
.bgx-pc__saves b{flex:none; font-size:11px; font-weight:700; letter-spacing:.16em; text-transform:uppercase; color:var(--pc-green); padding-top:2px}
.bgx-pc__head .bgx-pc__when{display:inline-flex; line-height:1.3; align-items:center; gap:8px; margin:14px 0 0; padding:6px 10px; background:var(--pc-grey); border:1px solid #CBD6E8; font-size:12.5px; font-weight:600; color:var(--pc-ink)}
.bgx-pc__when svg{color:var(--pc-accent)}
.bgx-pc__report{position:relative; margin:24px 0 0; padding:10px; background:#fff; box-shadow:0 0 0 1px rgba(10,26,51,.08), 0 24px 48px -28px rgba(10,26,51,.45)}
.bgx-pc__report img{display:block; width:100%; height:auto; aspect-ratio:1600/1113}
.bgx-pc__report figcaption{position:absolute; top:-12px; right:16px; padding:5px 10px; background:var(--pc-ink); color:#fff; font-size:10.5px; font-weight:700; letter-spacing:.14em; text-transform:uppercase}
/* governance */
.bgx-pc--grey{background:var(--pc-grey)}
.bgx-pc__head2{display:grid; grid-template-columns:minmax(0,1fr) minmax(0,460px); gap:16px 64px; align-items:end; margin-bottom:36px}
.bgx-pc__gov{display:grid; grid-template-columns:repeat(4,minmax(0,1fr)); gap:20px; margin:0; padding:0; list-style:none}
.bgx-pc__gcard{padding:28px 24px 26px; background:#fff; border-top:3px solid var(--pc-ink);
  box-shadow:0 0 0 1px rgba(10,26,51,.07), 0 0 26px rgba(10,26,51,.06), 0 16px 34px -24px rgba(10,26,51,.28)}
.bgx-pc__ico{display:grid; place-items:center; width:44px; height:44px; margin-bottom:18px; background:var(--pc-grey); border:1px solid #CBD6E8; color:var(--pc-accent)}
.bgx-pc__gcard h3{margin:0 0 8px; font-size:17px; line-height:1.3}
.bgx-pc__gcard p{margin:0; font-size:14.5px; line-height:1.6; color:var(--pc-body)}
.bgx-pc__gcard a{color:var(--pc-accent); font-weight:600; text-decoration:none; border-bottom:1px solid rgba(31,95,180,.35)}
.bgx-pc__gcard a:hover{border-color:var(--pc-accent)}
/* responsive */
@media (max-width:1100px){ .bgx-pc__step{grid-template-columns:56px minmax(0,1fr); gap:20px 32px} .bgx-pc__card{grid-column:2} .bgx-pc__gov{grid-template-columns:repeat(2,minmax(0,1fr))} }
@media (max-width:960px){
  .bgx-pc{padding-top:64px; padding-bottom:64px}
  .bgx-pc--intro{padding-bottom:0}
  .bgx-pc__intro,.bgx-pc__head2{grid-template-columns:1fr; gap:16px}
  .bgx-pc__rail{grid-template-columns:1fr 1fr; margin-top:40px}
  .bgx-pc__rail li + li{border-left:0}
  .bgx-pc__rail li{border-top:1px solid rgba(255,255,255,.12)}
  .bgx-pc__rail li:nth-child(-n+2){border-top:0}
  .bgx-pc__rail li:nth-child(even){border-left:1px solid rgba(255,255,255,.12)}
  .bgx-pc__rail li:last-child{grid-column:1 / -1; border-left:0}
}
@media (max-width:640px){
  .bgx-pc__card{grid-template-columns:1fr}
  .bgx-pc__col + .bgx-pc__col{border-left:0; border-top:1px solid var(--pc-line)}
  .bgx-pc__saves{flex-direction:column; gap:4px}
  .bgx-pc__gov{grid-template-columns:1fr}
}
@media (max-width:560px){
  .bgx-pc{padding:52px 16px}
  .bgx-pc--intro{padding-bottom:0}
  .bgx-pc__lead{font-size:16px}
  .bgx-pc__rail{grid-template-columns:1fr}
  .bgx-pc__rail li,.bgx-pc__rail li:nth-child(even){border-left:0; border-top:1px solid rgba(255,255,255,.12)}
  .bgx-pc__rail li:first-child{border-top:0}
  .bgx-pc__rail a{padding:18px 18px 20px}
  .bgx-pc__steps::before{left:19px}
  .bgx-pc__step{grid-template-columns:40px minmax(0,1fr); gap:16px 18px; padding-bottom:48px}
  .bgx-pc__num{width:40px; height:40px; font-size:13px; box-shadow:0 0 0 6px #fff}
  .bgx-pc__card{grid-column:1 / -1}
  .bgx-pc__col{padding:20px}
  .bgx-pc__saves{padding:14px 20px}
}
@media (max-width:400px){.bgx-pc{padding-left:12px; padding-right:12px}}
@media (prefers-reduced-motion:reduce){.bgx-pc *{transition:none !important}}

/* governance cards: even line count on smaller laptops */
@media (min-width:1100px) and (max-width:1360px){ .bgx-pc__gcard p{font-size:13.5px} }