html {
  scroll-behavior: smooth;
}

.c-btn {
  display: inline-block;
  padding: 14px 20px;
  font-size: 16px;
  line-height: 20px;
  font-weight: 500;
  text-transform: uppercase;
  text-decoration: none !important;
  border: 2px solid transparent;
  border-radius: 8px;
  cursor: pointer;
  transition: all 0.3s ease;
  text-align: center;
}
.c-btn--white {
  background: #fff;
  border-color: #fff;
  color: #000 !important;
}
.c-btn--white:hover {
  background: transparent;
  color: #fff !important;
}
.c-btn--white-outline {
  background: transparent;
  border-color: #fff;
  color: #fff !important;
}
.c-btn--white-outline:hover {
  background: #fff;
  color: #000 !important;
}
.c-btn--blue {
  background: #0053F7;
  border-color: #0053F7;
  color: #fff !important;
}
.c-btn--blue:hover {
  background: transparent;
  border-color: #0053F7;
  color: #0053F7 !important;
}
.c-btn--blue-outline {
  background: transparent;
  border-color: #0053F7;
  color: #0053F7 !important;
}
.c-btn--blue-outline:hover {
  background: #0053F7;
  color: #fff !important;
}
.c-btn--dark {
  background: #000;
  border-color: #000;
  color: #fff !important;
}
.c-btn--dark:hover {
  background: transparent;
  color: #000 !important;
}
.c-btn--dark-outline {
  background: transparent;
  border-color: #000;
  color: #000 !important;
}
.c-btn--dark-outline:hover {
  background: #000;
  color: #fff !important;
}

.page-template-tpl-builder, .risks-template-default {
  font-size: 16px;
  line-height: 26px;
}
@media screen and (min-width: 1024px) {
  .page-template-tpl-builder, .risks-template-default {
    font-size: 18px;
    line-height: 28px;
  }
}
.page-template-tpl-builder p, .risks-template-default p {
  font-size: inherit;
}
.page-template-tpl-builder ol, .risks-template-default ol {
  padding-left: 20px;
}
.page-template-tpl-builder h1, .page-template-tpl-builder h3, .page-template-tpl-builder h4, .risks-template-default h1, .risks-template-default h3, .risks-template-default h4 {
  font-weight: 500;
}
.page-template-tpl-builder h1, .risks-template-default h1 {
  font-size: 40px;
}
@media (min-width: 768px) {
  .page-template-tpl-builder h1, .risks-template-default h1 {
    font-size: 60px;
  }
}
@media (min-width: 1024px) {
  .page-template-tpl-builder h1, .risks-template-default h1 {
    font-size: 80px;
  }
}
.page-template-tpl-builder h2, .risks-template-default h2 {
  font-size: 24px;
  line-height: 1.4;
}
@media (min-width: 768px) {
  .page-template-tpl-builder h2, .risks-template-default h2 {
    font-size: 32px;
    line-height: 1.34;
  }
}
@media (min-width: 1024px) {
  .page-template-tpl-builder h2, .risks-template-default h2 {
    font-size: 42px;
    line-height: 1.26;
  }
}
.page-template-tpl-builder h3, .risks-template-default h3 {
  font-size: 22px;
  margin-bottom: 20px;
  line-height: 32px;
}
@media screen and (min-width: 768px) {
  .page-template-tpl-builder h3, .risks-template-default h3 {
    font-size: 24px;
    line-height: 34px;
  }
}
@media screen and (min-width: 1024px) {
  .page-template-tpl-builder h3, .risks-template-default h3 {
    line-height: 46px;
    font-size: 36px;
    margin-bottom: 30px;
  }
}
.page-template-tpl-builder h4, .risks-template-default h4 {
  font-size: 20px;
  margin-bottom: 20px;
  line-height: 30px;
}
@media screen and (min-width: 1024px) {
  .page-template-tpl-builder h4, .risks-template-default h4 {
    font-size: 24px;
    line-height: 46px;
  }
}
.page-template-tpl-builder .container, .risks-template-default .container {
  width: 1100px;
  max-width: calc(100% - 40px);
  margin: 0 auto;
  padding: 0;
}
@media screen and (min-width: 768px) {
  .page-template-tpl-builder .container, .risks-template-default .container {
    max-width: calc(100% - 160px);
  }
}
.page-template-tpl-builder .container__wider, .risks-template-default .container__wider {
  width: 100%;
  z-index: 1;
  margin: 0 auto;
}
@media (max-width: 767px) {
  .page-template-tpl-builder .container__wider, .risks-template-default .container__wider {
    max-width: calc(100% - 40px);
  }
}
@media (min-width: 768px) {
  .page-template-tpl-builder .container__wider, .risks-template-default .container__wider {
    max-width: calc(100% - 200px);
  }
}
@media (min-width: 1024px) {
  .page-template-tpl-builder .container__wider, .risks-template-default .container__wider {
    margin: 0 10%;
    max-width: 100%;
  }
}
@media screen and (min-width: 1024px) {
  .page-template-tpl-builder .content__narrow, .risks-template-default .content__narrow {
    max-width: 677px;
  }
}
.page-template-tpl-builder .footer, .risks-template-default .footer {
  padding-bottom: 20px;
}
@media (max-width: 767px) {
  .page-template-tpl-builder .footer, .risks-template-default .footer {
    padding-top: 40px;
  }
}
.page-template-tpl-builder .footer__top, .page-template-tpl-builder .footer__bottom, .risks-template-default .footer__top, .risks-template-default .footer__bottom {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
}
@media (min-width: 768px) {
  .page-template-tpl-builder .footer__top, .page-template-tpl-builder .footer__bottom, .risks-template-default .footer__top, .risks-template-default .footer__bottom {
    flex-direction: row;
    justify-content: space-between;
  }
}
.page-template-tpl-builder .footer__bottom, .risks-template-default .footer__bottom {
  margin-top: 20px;
}
@media (min-width: 768px) {
  .page-template-tpl-builder .footer__bottom, .risks-template-default .footer__bottom {
    margin-top: 66px;
  }
}
.page-template-tpl-builder .footer__logo, .risks-template-default .footer__logo {
  width: 116px;
  height: auto;
}
.page-template-tpl-builder .footer__nav, .risks-template-default .footer__nav {
  margin-top: 0;
  width: auto;
}
.page-template-tpl-builder .footer__menu a, .risks-template-default .footer__menu a {
  font-size: 12px;
  line-height: 20px;
  pointer-events: auto !important;
  cursor: pointer !important;
}
.page-template-tpl-builder .footer__row, .risks-template-default .footer__row {
  align-items: stretch;
}
.page-template-tpl-builder .footer__details, .risks-template-default .footer__details {
  margin-left: auto;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
}
.page-template-tpl-builder .footer__small, .risks-template-default .footer__small {
  font-size: 12px;
  text-align: center;
  line-height: 20px;
}
@media (min-width: 768px) {
  .page-template-tpl-builder .footer__small, .risks-template-default .footer__small {
    text-align: left;
  }
}
.page-template-tpl-builder .footer__small a, .risks-template-default .footer__small a {
  text-decoration: none;
}
@media (max-width: 767px) {
  .page-template-tpl-builder .footer__small a, .risks-template-default .footer__small a {
    display: block;
  }
}
.page-template-tpl-builder .footer__small a:before, .risks-template-default .footer__small a:before {
  content: "|";
  display: inline-block;
  margin-right: 4px;
}
@media (max-width: 767px) {
  .page-template-tpl-builder .footer__small a:before, .risks-template-default .footer__small a:before {
    display: none;
  }
}
.page-template-tpl-builder .footer__small a:hover, .risks-template-default .footer__small a:hover {
  text-decoration: underline;
}
.page-template-tpl-builder .footer .c-btn, .risks-template-default .footer .c-btn {
  padding: 14px 40px;
  margin-top: 20px;
}
@media (min-width: 768px) {
  .page-template-tpl-builder .footer .c-btn, .risks-template-default .footer .c-btn {
    margin-top: 0;
  }
}

@media (min-width: 1024px) {
  .risks-template-default .container__wider {
    max-width: 80%;
  }
}
.risks-template-default .c-back-link {
  position: relative;
  padding: 0;
}
@media (max-width: 1023px) {
  .risks-template-default .c-back-link {
    display: none;
  }
}
.risks-template-default .c-back-link a {
  position: absolute;
  top: 120px;
  right: 0;
}
.risks-template-default .c-back-link__mobile {
  margin-bottom: 40px;
}
@media (min-width: 768px) {
  .risks-template-default .c-back-link__mobile {
    margin-bottom: 60px;
  }
}
@media (min-width: 1024px) {
  .risks-template-default .c-back-link__mobile {
    display: none;
  }
}
.risks-template-default .footer {
  margin-top: 60px;
}
@media (min-width: 768px) {
  .risks-template-default .footer {
    margin-top: 100px;
  }
}
@media (min-width: 1024px) {
  .risks-template-default .footer {
    margin-top: 120px;
  }
}

.risk-container .content__narrow {
  font-weight: 400;
  font-size: 16px;
}
@media (min-width: 1024px) {
  .risk-container .content__narrow {
    font-size: 18px;
  }
}
.risk-container .content__narrow p:not(:last-child) {
  margin-bottom: 20px;
}

.l-hero-header {
  position: relative;
}
.l-hero-header__logo {
  display: inline-block;
  flex-shrink: 0;
}
.l-hero-header__logo img {
  height: auto;
  display: block;
  width: 93px;
}
@media (min-width: 768px) {
  .l-hero-header__logo img {
    width: 116px;
  }
}
.l-hero-header__topbar {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  z-index: 10;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 30px 20px;
  transition: all 0.3s ease;
}
@media (max-width: 767px) {
  .l-hero-header__topbar {
    position: fixed;
  }
}
.l-hero-header__topbar.is-scrolled {
  background: #0053F7;
}
@media (min-width: 768px) {
  .l-hero-header__topbar.is-scrolled {
    background: transparent;
  }
}
@media (min-width: 768px) {
  .l-hero-header__topbar {
    padding: 35px;
  }
}
.l-hero-header__burger {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  width: 24px;
  height: 18px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0;
}
@media (min-width: 768px) {
  .l-hero-header__burger {
    display: none;
  }
}
.l-hero-header__burger span {
  display: block;
  width: 100%;
  height: 2px;
  background: #fff;
  border-radius: 2px;
}
.l-hero-header__hero {
  position: relative;
  overflow: hidden;
  background-color: #0053F7;
  display: flex;
  align-items: center;
  padding: 160px 0 270px;
}
@media (min-width: 768px) {
  .l-hero-header__hero {
    padding: 160px 0 370px;
  }
}
@media (min-width: 1024px) {
  .l-hero-header__hero {
    padding: 180px 0 240px;
  }
}
.l-hero-header__hero .container {
  position: relative;
  z-index: 2;
  width: 1100px;
  max-width: calc(100% - 40px);
}
@media (min-width: 768px) {
  .l-hero-header__hero .container {
    max-width: calc(100% - 200px);
  }
}
.l-hero-header__hero-bg {
  position: absolute;
  inset: 0;
  left: 45%;
  background-size: cover;
  background-position: center;
  opacity: 0.35;
  mix-blend-mode: luminosity;
}
@media (max-width: 767px) {
  .l-hero-header__hero-bg {
    left: 0;
    opacity: 0.15;
  }
}
.l-hero-header__hero-pattern {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  left: 0;
}
.l-hero-header__hero-pattern img {
  object-fit: cover;
  object-position: top center;
}
.l-hero-header__hero-pattern img:first-of-type {
  position: absolute;
  left: 0;
  bottom: 0;
  width: 175px;
  height: 175px;
}
@media (max-width: 767px) {
  .l-hero-header__hero-pattern img:first-of-type {
    display: none;
  }
}
@media (min-width: 1024px) {
  .l-hero-header__hero-pattern img:first-of-type {
    width: 38%;
    height: 155px;
  }
}
.l-hero-header__hero-pattern img:nth-of-type(2) {
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 160px;
}
@media (min-width: 768px) {
  .l-hero-header__hero-pattern img:nth-of-type(2) {
    left: 175px;
    width: calc(100% - 175px);
    height: 175px;
  }
}
@media (min-width: 1024px) {
  .l-hero-header__hero-pattern img:nth-of-type(2) {
    left: 38%;
    width: 36%;
    height: 155px;
  }
}
.l-hero-header__hero-pattern img:nth-of-type(3) {
  position: absolute;
  right: 0;
  top: 0;
  width: 26%;
  height: calc(100% - 353px);
  display: none;
}
@media (min-width: 1024px) {
  .l-hero-header__hero-pattern img:nth-of-type(3) {
    display: block;
  }
}
.l-hero-header__hero-pattern img:nth-of-type(4) {
  position: absolute;
  right: 0;
  bottom: 0;
  width: 26%;
  height: 353px;
  display: none;
}
@media (min-width: 1024px) {
  .l-hero-header__hero-pattern img:nth-of-type(4) {
    display: block;
  }
}
.l-hero-header__title {
  color: #fff;
  text-transform: uppercase;
  line-height: 1.2;
  margin-bottom: 10px;
}
@media (min-width: 768px) {
  .l-hero-header__title {
    margin-bottom: 20px;
    line-height: 0.7;
  }
}
.l-hero-header__subtitle {
  color: #fff;
  margin-bottom: 10px;
}
@media (min-width: 768px) {
  .l-hero-header__subtitle {
    margin-bottom: 20px;
  }
}
@media (min-width: 1024px) {
  .l-hero-header__title, .l-hero-header__subtitle {
    max-width: 800px;
  }
}
.l-hero-header__content {
  margin-bottom: 20px;
}
@media (min-width: 768px) {
  .l-hero-header__content {
    margin-bottom: 40px;
  }
}
.l-hero-header__content p {
  font-size: 14px;
  line-height: 1.6;
  margin-bottom: 12px;
}
@media (min-width: 768px) {
  .l-hero-header__content p {
    font-size: 16px;
  }
}
.l-hero-header__content p:last-child {
  margin-bottom: 0;
}
.l-hero-header__content p:first-of-type {
  font-size: 16px;
  font-weight: 400;
  line-height: 1.55;
  color: #fff;
  margin-bottom: 16px;
}
@media (min-width: 1024px) {
  .l-hero-header__content p:first-of-type {
    font-size: 18px;
  }
}
.l-hero-header__anchor-nav-wrapper {
  height: 80px;
}
@media (max-width: 767px) {
  .l-hero-header__anchor-nav-wrapper {
    display: none;
  }
}
.l-hero-header__anchor-nav {
  background: #fff;
  border-bottom: 1px solid #0053F7;
  display: flex;
  align-items: center;
}
.l-hero-header__anchor-nav.is-sticky {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.08);
}
.l-hero-header .l-anchor-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  list-style: none;
  margin: 0;
  padding: 0;
  height: 80px;
}
.l-hero-header .l-anchor-nav > li {
  position: relative;
  flex-shrink: 0;
}
.l-hero-header .l-anchor-nav > li > a {
  display: flex;
  align-items: center;
  height: 80px;
  font-size: 16px;
  color: #000;
  font-weight: 500;
  text-decoration: none;
  white-space: nowrap;
  transition: all 0.3s ease;
}
.l-hero-header .l-anchor-nav > li > a:hover {
  color: #0053F7;
}
.l-hero-header .l-anchor-nav > li.menu-item-has-children > a::after {
  content: "";
  display: inline-block;
  width: 14px;
  height: 14px;
  margin-left: 5px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 14 14' fill='none'%3E%3Cg clip-path='url(%23clip0_196_7052)'%3E%3Cpath d='M11.375 5.25L7 9.625L2.625 5.25' stroke='black' stroke-width='1.5' stroke-linecap='square' stroke-linejoin='round'/%3E%3C/g%3E%3Cdefs%3E%3CclipPath id='clip0_196_7052'%3E%3Crect width='14' height='14' fill='white'/%3E%3C/clipPath%3E%3C/defs%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-size: contain;
}
.l-hero-header .l-anchor-nav > li.menu-item-has-children:hover > a::after, .l-hero-header .l-anchor-nav > li.menu-item-has-children.is-open > a::after {
  transform: rotate(180deg);
}
.l-hero-header .l-anchor-nav > li .sub-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: -13px;
  right: -13px;
  background: #0053F7;
  color: #fff;
  list-style: none;
  margin: 0;
  padding: 12px;
  z-index: 50;
}
.l-hero-header .l-anchor-nav > li .sub-menu li:not(:last-child) {
  margin-bottom: 10px;
}
.l-hero-header .l-anchor-nav > li .sub-menu li a {
  display: block;
  font-size: 16px;
  line-height: 24px;
  font-weight: 500;
  color: inherit;
  text-decoration: none;
  transition: all 0.3s ease;
}
.l-hero-header .l-anchor-nav > li.menu-item-has-children:hover .sub-menu, .l-hero-header .l-anchor-nav > li.menu-item-has-children.is-open .sub-menu {
  display: block;
}
.l-hero-header__mobile {
  position: fixed;
  inset: 0;
  background: #0053F7;
  z-index: 200;
  display: flex;
  flex-direction: column;
  overflow-y: auto;
  transform: translateY(-100%);
  transition: all 0.3s ease;
  padding-bottom: 200px;
}
.l-hero-header__mobile.is-open {
  top: 6px;
  transform: translateY(0);
}
@media (min-width: 768px) {
  .l-hero-header__mobile {
    display: none;
  }
}
.l-hero-header__mobile-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 20px;
  flex-shrink: 0;
}
.l-hero-header__mobile-close {
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
}
.l-hero-header__mobile-pattern {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  flex-shrink: 0;
  height: 160px;
}
.l-hero-header__mobile-pattern img {
  object-fit: cover;
  width: 100%;
  height: 100%;
}

.l-anchor-nav-mobile {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  list-style: none;
  padding: 70px 20px 20px;
  overflow: scroll;
  gap: 40px;
}
.l-anchor-nav-mobile li {
  max-width: 256px;
}
.l-anchor-nav-mobile li a {
  display: block;
  font-size: 24px;
  font-weight: 400;
  line-height: 34px;
  color: #fff;
  text-decoration: none;
  text-align: center;
  transition: all 0.3s ease;
}
.l-anchor-nav-mobile li a[href="#"] {
  display: none;
}
.l-anchor-nav-mobile li a:hover {
  opacity: 0.8;
}
.l-anchor-nav-mobile .sub-menu {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 40px;
  list-style: none;
}

.c-back-link {
  padding: 16px 0;
}
@media (min-width: 1024px) {
  .c-back-link.is-sticky {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 90;
    background: #fff;
    border-bottom: 1px solid #e8e8e8;
    padding: 12px 0;
  }
}

.s-risk-hero {
  padding: 60px 0;
}
@media (min-width: 768px) {
  .s-risk-hero {
    padding: 100px 0 60px;
  }
}
@media (min-width: 1024px) {
  .s-risk-hero {
    padding: 120px 0 60px;
  }
}
.s-risk-hero__heading {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-bottom: 40px;
}
.s-risk-hero__number {
  font-size: 36px;
  font-weight: 800;
  line-height: 1;
}
.s-risk-hero__term {
  display: inline-block;
  padding: 5px 10px;
  font-size: 10px;
  line-height: 2;
  font-weight: 700;
  text-transform: uppercase;
  border-radius: 5px;
}
.s-risk-hero__title {
  font-weight: 500;
  line-height: 1.1;
  text-transform: uppercase;
  margin-bottom: 20px;
  font-size: 22px !important;
}
@media (min-width: 768px) {
  .s-risk-hero__title {
    font-size: 24px !important;
  }
}
@media (min-width: 1024px) {
  .s-risk-hero__title {
    font-size: 36px !important;
  }
}
.s-risk-hero__meta {
  display: flex;
  gap: 50px;
}
.s-risk-hero__meta-label {
  display: block;
  font-size: 10px;
  line-height: 2;
  font-weight: 500;
  text-transform: uppercase;
  color: #000;
}
.s-risk-hero__meta-value {
  display: block;
  font-weight: 500;
  font-size: 16px;
  line-height: 20px;
}
@media (min-width: 768px) {
  .s-risk-hero__meta-value {
    font-size: 18px;
  }
}
@media (min-width: 1024px) {
  .s-risk-hero__meta-value {
    font-size: 20px;
    line-height: 2;
  }
}