/* IBBC Capital V13 — shared header / footer / language toggle (prefixed so it is safe on every page) */
.mfx-head,.mfx-foot{--mfx-navy:#081834;--mfx-navy2:#0d2347;--mfx-gold:#e8c766;--mfx-line:#2a3d62;font-family:'DM Sans',Arial,sans-serif;box-sizing:border-box}
.mfx-head *,.mfx-foot *{box-sizing:border-box}
.mfx-head{position:sticky;top:0;z-index:900;background:var(--mfx-navy);color:#fff;border-bottom:1px solid var(--mfx-line)}
.mfx-in{max-width:1320px;margin:0 auto;padding:0 28px;min-height:76px;display:flex;align-items:center;gap:26px}
.mfx-logo{display:block;flex:none}.mfx-logo img{display:block;height:46px;width:auto}
.mfx-nav{display:flex;align-items:center;gap:22px;margin-left:auto;font-size:13.5px}
.mfx-nav a{color:#e9eef8;text-decoration:none;padding:27px 0 24px;border-bottom:2px solid transparent;white-space:nowrap}
.mfx-nav a:hover{color:#fff;border-bottom-color:#6f86ad}
.mfx-nav a[aria-current="page"]{color:var(--mfx-gold);border-bottom-color:var(--mfx-gold)}
.mfx-right{display:flex;align-items:center;gap:14px;flex:none}
.mfx-lang{display:inline-flex;border:1px solid #c9a24f66;font-size:12px;letter-spacing:.06em}
.mfx-lang button{background:transparent;color:#cfd8e8;border:0;padding:8px 11px;cursor:pointer;font:inherit}
.mfx-lang button[aria-pressed="true"]{background:#c9a24f26;color:var(--mfx-gold);font-weight:700}
.mfx-cta{background:var(--mfx-gold);color:var(--mfx-navy);text-decoration:none;font-weight:700;font-size:13px;padding:11px 16px;white-space:nowrap;border:1px solid var(--mfx-gold)}
.mfx-cta:hover{background:#f1d584}
.mfx-burger{display:none;background:transparent;border:1px solid #4b6089;color:#fff;padding:9px 12px;font:inherit;font-size:13px;cursor:pointer}
.mfx-head a:focus-visible,.mfx-head button:focus-visible,.mfx-foot a:focus-visible{outline:3px solid var(--mfx-gold);outline-offset:2px}
@media(max-width:1180px){.mfx-nav{gap:15px;font-size:12.5px}.mfx-cta{display:none}}
@media(max-width:960px){
 .mfx-burger{display:inline-block;margin-left:auto}
 .mfx-right{margin-left:0}
 .mfx-nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--mfx-navy2);flex-direction:column;align-items:stretch;gap:0;padding:6px 28px 14px;border-bottom:1px solid var(--mfx-line);margin:0}
 .mfx-nav.open{display:flex}
 .mfx-nav a{padding:13px 0;border-bottom:1px solid #223557}
}
@media(max-width:480px){.mfx-in{padding:0 16px;gap:12px}.mfx-logo img{height:36px}.mfx-lang button{padding:7px 9px}}
.mfx-foot{background:#06132b;color:#c2cbda;padding:38px 0 30px;font-size:13px;line-height:1.7}
.mfx-foot .mfx-in{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:34px;align-items:start;min-height:0}
.mfx-foot img{height:40px;width:auto;margin-bottom:12px}
.mfx-foot h4{margin:0 0 10px;color:var(--mfx-gold);font-size:11px;letter-spacing:.18em;text-transform:uppercase}
.mfx-foot a{display:block;color:#dbe3f1;text-decoration:none;padding:2px 0}.mfx-foot a:hover{text-decoration:underline}
.mfx-foot p{margin:0 0 8px;color:#9fb0c9;font-size:12px}
.mfx-legal{max-width:1320px;margin:22px auto 0;padding:18px 28px 0;border-top:1px solid #1d3156;color:#8fa1bd;font-size:11.5px;line-height:1.75}
@media(max-width:800px){.mfx-foot .mfx-in{grid-template-columns:1fr;gap:22px;padding:0 20px}.mfx-legal{padding:18px 20px 0}}

/* neutralise generic header/footer/nav rules on legacy pages */
header.mfx-head{display:block;padding:0;margin:0;gap:0;text-align:left;width:auto;max-width:none;justify-content:initial;flex-wrap:nowrap}
footer.mfx-foot{display:block;text-align:left;margin:0}
.mfx-head nav.mfx-nav{display:flex;gap:22px;padding:0;margin-left:auto;flex-wrap:nowrap}
.mfx-head nav.mfx-nav a{margin:0;font-size:13.5px}
.mfx-foot a{margin:0}
.mfx-head img,.mfx-foot img{max-width:none;width:auto}
@media(max-width:1180px){.mfx-head nav.mfx-nav{gap:15px}.mfx-head nav.mfx-nav a{font-size:12.5px}}
@media(max-width:960px){.mfx-head nav.mfx-nav{display:none;gap:0;padding:6px 28px 14px;margin:0}.mfx-head nav.mfx-nav.open{display:flex}}

/* institutional motion: subtle, fast, 80% static */
@keyframes mfxFade{from{opacity:0}to{opacity:1}}
.mfx-head{animation:mfxFade .4s ease both}
.mfx-in,.mfx-logo img{transition:min-height .25s ease,height .25s ease}
.mfx-head.scrolled .mfx-in{min-height:60px}
.mfx-head.scrolled .mfx-logo img{height:38px}
.mfx-head.scrolled{box-shadow:0 6px 18px #00000040}
.mfx-nav a,.mfx-cta,.mfx-lang button{transition:color .2s ease,border-color .2s ease,background-color .2s ease}
@media(prefers-reduced-motion:reduce){.mfx-head{animation:none}.mfx-in,.mfx-logo img,.mfx-nav a,.mfx-cta,.mfx-lang button{transition:none}}

/* isolate from legacy global nav/.btn/.lang rules (research.html) */
.mfx-head nav.mfx-nav{order:0;flex:0 1 auto;border-top:0;padding-top:0;flex-wrap:nowrap;letter-spacing:0}
.mfx-head nav.mfx-nav a{position:static;padding:27px 0 24px;border-bottom:2px solid transparent!important;color:#e9eef8}
.mfx-head nav.mfx-nav a::after{content:none!important;display:none}
.mfx-head nav.mfx-nav a:hover{color:#fff;border-bottom-color:#6f86ad!important}
.mfx-head nav.mfx-nav a[aria-current="page"]{color:var(--mfx-gold);border-bottom-color:var(--mfx-gold)!important}
.mfx-head .mfx-lang{display:inline-flex}
.mfx-head .mfx-lang button{font-family:'DM Sans',Arial,sans-serif;font-size:12px;letter-spacing:.06em;padding:8px 11px;color:#cfd8e8;background:transparent}
.mfx-head .mfx-lang button[aria-pressed="true"]{background:#c9a24f26;color:var(--mfx-gold)}
.mfx-head .mfx-cta{display:inline-block;text-transform:none;letter-spacing:0;font-family:'DM Sans',Arial,sans-serif;font-size:13px;padding:11px 16px;position:static;overflow:visible;transform:none;box-shadow:none}
.mfx-head .mfx-cta::after{content:none!important}
.mfx-head .mfx-burger{font-family:'DM Sans',Arial,sans-serif}
@media(max-width:1180px){.mfx-head .mfx-cta{display:none}.mfx-head nav.mfx-nav a{padding:27px 0 24px}}
@media(max-width:960px){
 .mfx-head nav.mfx-nav{position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:0;padding:6px 28px 14px;background:var(--mfx-navy2);border-bottom:1px solid var(--mfx-line);margin:0}
 .mfx-head nav.mfx-nav a{padding:13px 0;border-bottom:1px solid #223557!important}
}

/* in-page sub-nav: deliberately different from the global header (light band, small type, "On this page" label) */
.mfx-sub{background:#f1eee4;border-bottom:1px solid #ddd6c3;font-family:'DM Sans',Arial,sans-serif;position:sticky;top:60px;z-index:800;margin:0;padding:0}
.mfx-sub .mfx-sub-in,header.top.mfx-sub .mfx-sub-in{max-width:1320px;margin:0 auto;padding:0 28px;display:flex;align-items:center;gap:18px;min-height:44px;flex-wrap:nowrap}
.mfx-sub-label{flex:none;font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:#7a6a3f;font-weight:700;white-space:nowrap}
.mfx-sub nav,header.top.mfx-sub nav{display:flex;flex:1 1 auto;order:0;gap:0 24px;margin:0;padding:0;border:0;overflow-x:auto;scrollbar-width:none;flex-wrap:nowrap;letter-spacing:0;text-transform:none;font-size:13px}
.mfx-sub nav::-webkit-scrollbar{display:none}
.mfx-sub nav a,header.top.mfx-sub nav a{color:#1b2c4d;font-family:'DM Sans',Arial,sans-serif;font-size:13px;font-weight:500;padding:13px 0 11px;border:0;border-bottom:2px solid transparent!important;white-space:nowrap;text-decoration:none;position:static}
.mfx-sub nav a::after{content:none!important;display:none}
.mfx-sub nav a:hover,.mfx-sub nav a.active{color:#081834;border-bottom-color:#c9a24f!important}
.mfx-sub nav a.active{font-weight:700}
header.top.mfx-sub{background:#f1eee4;color:#1b2c4d;border-bottom:1px solid #ddd6c3;top:60px;z-index:800;padding:0}
header.top.mfx-sub.scrolled{box-shadow:0 4px 14px #0000001f}
.mfx-sub a:focus-visible{outline:3px solid #c9a24f;outline-offset:2px}
@media(max-width:700px){.mfx-sub,header.top.mfx-sub{position:static}.mfx-sub .mfx-sub-in,header.top.mfx-sub .mfx-sub-in{padding:0 16px;gap:12px}.mfx-sub-label{display:none}}

/* canonical scope statement, identical on every page */
.mfx-scope{background:#0d2347;color:#dbe3f1;border-top:1px solid #2a3d62;font-family:'DM Sans',Arial,sans-serif}
.mfx-scope-in{max-width:1320px;margin:0 auto;padding:22px 28px;display:grid;grid-template-columns:200px 1fr;gap:8px 28px;align-items:start}
.mfx-scope b{color:#e8c766;font-size:11px;letter-spacing:.18em;text-transform:uppercase;padding-top:3px}
.mfx-scope p{margin:0;font-size:13.5px;line-height:1.7;max-width:980px;color:#dbe3f1}
@media(max-width:800px){.mfx-scope-in{grid-template-columns:1fr;padding:20px 16px}}

/* header keeps a constant 76px so the sticky sub-nav always sits directly beneath it */
.mfx-head.scrolled .mfx-in{min-height:76px}
.mfx-head.scrolled .mfx-logo img{height:46px}
.mfx-sub,header.top.mfx-sub{top:76px}
@media(max-width:480px){.mfx-head.scrolled .mfx-logo img{height:36px}}

/* footer: four columns */
.mfx-foot .mfx-in{grid-template-columns:1.3fr 1fr 1fr 1fr}
@media(max-width:960px){.mfx-foot .mfx-in{grid-template-columns:1fr 1fr}}
@media(max-width:800px){.mfx-foot .mfx-in{grid-template-columns:1fr}}

/* canonical service-status statement, identical on every page */
.mfx-scope{background:#0d2347;color:#dbe3f1;border-top:1px solid #2a3d62;font-family:'DM Sans',Arial,sans-serif}
.mfx-scope-in{max-width:1320px;margin:0 auto;padding:22px 28px;display:grid;grid-template-columns:200px 1fr;gap:8px 28px;align-items:start}
.mfx-scope-h{color:#e8c766;font-size:11px;letter-spacing:.18em;text-transform:uppercase;padding-top:3px}
.mfx-scope p{margin:0;font-size:13.5px;line-height:1.7;max-width:980px;color:#dbe3f1}
@media(max-width:800px){.mfx-scope-in{grid-template-columns:1fr;padding:20px 16px}}