/* BOI Whistle Blowing V13. Strictly page-scoped; header/footer and all other pages stay untouched. */
.boi-wb-page{--wb-green:var(--insurel-ref-primary,#0b5a48);--wb-deep:var(--insurel-ref-deep,#064537);--wb-gold:var(--insurel-ref-gold,#c89b42);--wb-sage:var(--insurel-ref-sage,#e8f1e8);--wb-cream:#f7f5ef;--wb-ink:#123c34;--wb-body:#40564f;--wb-border:#e1e7e3;display:block;width:100%;max-width:100%;margin:0;padding:0;background:#fff;color:var(--wb-body);font:400 16px/1.65 Arial,Helvetica,sans-serif;text-align:left;overflow-wrap:break-word;isolation:isolate}
.boi-wb-page *,.boi-wb-page *::before,.boi-wb-page *::after{box-sizing:border-box}
.boi-wb-page .boi-wb-wrap{width:min(1200px,calc(100% - 64px));max-width:1200px;margin-inline:auto}
.boi-wb-page .boi-wb-section{margin:0;padding:58px 0}
.boi-wb-page h1,.boi-wb-page h2,.boi-wb-page h3{color:var(--wb-ink);font-family:Georgia,'Times New Roman',serif;text-transform:none;letter-spacing:-.025em;line-height:1.13;font-weight:600;margin:0 0 16px}
.boi-wb-page h1{font-size:clamp(48px,4.8vw,70px);max-width:650px;text-wrap:balance}
.boi-wb-page h2{font-size:clamp(31px,3vw,44px);text-wrap:balance}
.boi-wb-page h3{font-size:21px;line-height:1.25}
.boi-wb-page p{margin:0 0 16px;font-size:inherit;line-height:inherit}
.boi-wb-page a{color:var(--wb-deep);text-decoration:none;transition:background-color .15s,color .15s,border-color .15s}
.boi-wb-page a:hover{text-decoration:underline}
.boi-wb-page a:focus-visible{outline:3px solid var(--wb-gold);outline-offset:5px;border-radius:3px}
.boi-wb-page img{display:block;max-width:100%;height:auto;border:0}
.boi-wb-page .boi-wb-icon{display:inline-block;width:25px;height:25px;vertical-align:middle;flex:0 0 auto;color:inherit}
.boi-wb-page .boi-wb-eyebrow{display:flex;align-items:center;gap:17px;color:var(--wb-deep);font:700 11px/1.5 Arial,Helvetica,sans-serif;letter-spacing:.18em;text-transform:uppercase;margin:0 0 13px}
.boi-wb-page .boi-wb-eyebrow::before{content:'';display:block;width:42px;height:2px;flex:0 0 42px;background:var(--wb-gold)}
.boi-wb-page .boi-wb-lead{max-width:910px;font-size:16px;margin-bottom:26px}
.boi-wb-page .boi-wb-actions{display:flex;flex-wrap:wrap;gap:13px;align-items:center;margin-top:28px}
.boi-wb-page .boi-wb-button{display:inline-flex;align-items:center;justify-content:center;gap:11px;min-height:49px;max-width:100%;padding:12px 20px;border:1px solid transparent;border-radius:7px;font:700 14px/1.45 Arial,Helvetica,sans-serif;text-align:center;text-transform:none;letter-spacing:0;box-shadow:none}
.boi-wb-page .boi-wb-button .boi-wb-icon{width:20px;height:20px}
.boi-wb-page .boi-wb-button-gold{background:var(--wb-gold);color:#173b2c}
.boi-wb-page .boi-wb-button-gold:hover{background:#dfb660;color:#173b2c;text-decoration:none}
.boi-wb-page .boi-wb-button-outline{border-color:var(--wb-green);color:var(--wb-deep);background:rgba(255,255,255,.82)}
.boi-wb-page .boi-wb-button-outline:hover{background:var(--wb-sage);text-decoration:none}
/* Hero */
.boi-wb-page .boi-wb-hero{position:relative;background:var(--wb-cream);overflow:hidden}
.boi-wb-page .boi-wb-hero-layout{display:grid;grid-template-columns:1.06fr .94fr;min-height:535px;gap:22px;position:relative;align-items:center}
.boi-wb-page .boi-wb-hero-copy{position:relative;z-index:2;padding:32px 0 48px;min-width:0}
.boi-wb-page .boi-wb-breadcrumb{display:flex;gap:12px;align-items:center;flex-wrap:wrap;font-size:12px;color:var(--wb-deep);margin-bottom:34px}
.boi-wb-page .boi-wb-breadcrumb .boi-wb-icon{width:11px;height:11px}
.boi-wb-page .boi-wb-breadcrumb a{min-height:32px;display:inline-flex;align-items:center}
.boi-wb-page .boi-wb-tagline{font:600 clamp(24px,2.3vw,32px)/1.22 Georgia,'Times New Roman',serif;color:var(--wb-ink);margin-top:20px;margin-bottom:10px;letter-spacing:-.025em}
.boi-wb-page .boi-wb-hero-intro{max-width:520px;color:#294b41}
.boi-wb-page .boi-wb-hero-media{position:relative;align-self:stretch;min-width:0;min-height:535px;isolation:isolate;background:#e9ece8}
.boi-wb-page .boi-wb-hero-media .boi-wb-portrait{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 18%}
.boi-wb-page .boi-wb-photo-fade{position:absolute;inset:0;background:linear-gradient(90deg,var(--wb-cream),rgba(247,245,239,0) 17%);pointer-events:none}
.boi-wb-page .boi-wb-confidential-badge{position:absolute;right:10px;bottom:30px;display:flex;align-items:center;gap:18px;max-width:300px;padding:22px 23px;border:1px solid #89a991;border-radius:10px;background:var(--wb-deep);color:#fff;box-shadow:0 8px 24px #0035281c}
.boi-wb-page .boi-wb-confidential-badge>.boi-wb-icon{width:44px;height:44px;color:var(--wb-gold)}
.boi-wb-page .boi-wb-confidential-badge p{font-size:14px;line-height:1.45;margin:0;font-weight:700}
.boi-wb-page .boi-wb-confidential-badge span{display:block;font-size:12px;font-weight:400;color:#f0f5f1;margin-top:4px}
/* Concern cards */
.boi-wb-page .boi-wb-concern-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:16px;margin-top:28px}
.boi-wb-page .boi-wb-concern-card{min-width:0;padding:25px 18px 24px;border:1px solid var(--wb-border);border-radius:8px;background:linear-gradient(180deg,#fff,#fafbf9);text-align:left}
.boi-wb-page .boi-wb-concern-icon{width:56px;height:56px;display:grid;place-items:center;color:var(--wb-deep);margin-bottom:20px}
.boi-wb-page .boi-wb-concern-icon .boi-wb-icon{width:47px;height:47px;stroke-width:1.45}
.boi-wb-page .boi-wb-concern-card h3{font-size:18px;min-height:45px;margin-bottom:11px}
.boi-wb-page .boi-wb-concern-card p{font-size:13px;line-height:1.58;margin:0}
/* Process */
.boi-wb-page .boi-wb-process{background:var(--wb-cream);scroll-margin-top:140px}
.boi-wb-page .boi-wb-steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:42px;list-style:none;margin:29px 0 0;padding:0;position:relative}
.boi-wb-page .boi-wb-steps::before{content:'';position:absolute;left:65px;right:65px;top:74px;height:2px;background:var(--wb-gold)}
.boi-wb-page .boi-wb-steps>li{position:relative;list-style:none;margin:0;padding:24px 20px;background:#fff;border-radius:8px;min-width:0}
.boi-wb-page .boi-wb-steps>li::marker{content:none}
.boi-wb-page .boi-wb-step-number{display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:#fcf2d7;color:#8b6416;font:700 19px/1 Arial,Helvetica,sans-serif;margin-bottom:13px}
.boi-wb-page .boi-wb-step-icon{height:44px;color:var(--wb-ink);margin-bottom:12px}
.boi-wb-page .boi-wb-step-icon .boi-wb-icon{width:41px;height:41px}
.boi-wb-page .boi-wb-steps h3{font-size:20px;margin-bottom:10px}
.boi-wb-page .boi-wb-steps p{font-size:13px;line-height:1.6;margin:0}
/* Guidance */
.boi-wb-page .boi-wb-guidance{padding:30px 0}
.boi-wb-page .boi-wb-guidance-grid{display:grid;grid-template-columns:1fr 1.08fr;gap:18px}
.boi-wb-page .boi-wb-confidential-panel,.boi-wb-page .boi-wb-prep-panel{border-radius:8px;min-width:0;display:flex;align-items:flex-start}
.boi-wb-page .boi-wb-confidential-panel{background:var(--wb-deep);color:#fff;padding:34px 31px;gap:24px}
.boi-wb-page .boi-wb-confidential-panel h2{color:#fff;font-size:31px;margin-bottom:13px}
.boi-wb-page .boi-wb-confidential-panel p{font-size:14px;line-height:1.65;margin:0;color:#f0f6f2}
.boi-wb-page .boi-wb-shield-graphic{display:grid;place-items:center;flex:0 0 88px;width:88px;height:105px;border:4px solid var(--wb-gold);border-radius:42% 42% 50% 50%;color:var(--wb-gold)}
.boi-wb-page .boi-wb-shield-graphic .boi-wb-icon{width:42px;height:42px}
.boi-wb-page .boi-wb-prep-panel{border:1px solid var(--wb-border);padding:29px 30px;gap:22px;background:#fff}
.boi-wb-page .boi-wb-prep-icon{display:grid;place-items:center;flex:0 0 70px;width:70px;height:70px;border-radius:8px;background:#fbf3df;color:var(--wb-deep)}
.boi-wb-page .boi-wb-prep-icon .boi-wb-icon{width:43px;height:43px}
.boi-wb-page .boi-wb-prep-panel h2{font-size:29px;margin-bottom:8px}
.boi-wb-page .boi-wb-prep-panel>div>p{font-size:13px;margin-bottom:10px}
.boi-wb-page .boi-wb-prep-panel ul{list-style:none;padding:0;margin:0}
.boi-wb-page .boi-wb-prep-panel li{display:flex;align-items:flex-start;gap:8px;font-size:12px;line-height:1.5;margin:4px 0}
.boi-wb-page .boi-wb-prep-panel li .boi-wb-icon{width:16px;height:16px;flex:0 0 16px;color:var(--wb-deep);margin-top:1px}
/* Existing reporting channel is retained rather than silently replaced. */
.boi-wb-page .boi-wb-reporting{scroll-margin-top:140px;background:#fff;border-top:1px solid var(--wb-border)}
.boi-wb-page .boi-wb-original-content{border:1px solid var(--wb-border);border-radius:8px;background:#fff;padding:28px;overflow-wrap:anywhere}
.boi-wb-page .boi-wb-original-content>*:first-child{margin-top:0}
.boi-wb-page .boi-wb-original-content>*:last-child{margin-bottom:0}
.boi-wb-page .boi-wb-original-content iframe{max-width:100%;width:100%}
.boi-wb-page .boi-wb-original-content input,.boi-wb-page .boi-wb-original-content textarea,.boi-wb-page .boi-wb-original-content select{max-width:100%}
.boi-wb-page .boi-wb-admin-notice-wrap{padding:20px 0;background:#fff9e9}
.boi-wb-page .boi-wb-admin-notice{font-size:13px;border-left:3px solid var(--wb-gold);padding:12px 16px;margin:0}
/* Closing CTA; global site footer remains outside this scope. */
.boi-wb-page .boi-wb-cta{position:relative;padding:40px 0;background:var(--wb-deep);color:#fff;isolation:isolate}
.boi-wb-page .boi-wb-cta::before{content:'';position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,var(--wb-deep) 12%,rgba(6,69,55,.88) 60%,var(--wb-deep)),url('../images/reference/business.jpg') 70% 50%/cover;opacity:.62}
.boi-wb-page .boi-wb-cta-layout{display:flex;align-items:center;justify-content:space-between;gap:35px}
.boi-wb-page .boi-wb-cta .boi-wb-eyebrow{color:#fff;margin-bottom:9px}
.boi-wb-page .boi-wb-cta h2{color:#fff;font-size:clamp(32px,3vw,44px);margin-bottom:8px}
.boi-wb-page .boi-wb-cta p{color:#f0f6f2;margin:0}
.boi-wb-page .boi-wb-cta .boi-wb-button{flex-shrink:0}
@media(max-width:1180px){.boi-wb-page .boi-wb-concern-grid{grid-template-columns:repeat(3,minmax(0,1fr))}.boi-wb-page .boi-wb-concern-card h3{min-height:0}.boi-wb-page .boi-wb-steps{gap:20px}.boi-wb-page .boi-wb-steps>li{padding:22px 17px}}
@media(max-width:930px){.boi-wb-page .boi-wb-hero-layout{grid-template-columns:1.05fr .95fr}.boi-wb-page .boi-wb-guidance-grid{grid-template-columns:1fr}.boi-wb-page .boi-wb-steps{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.boi-wb-page .boi-wb-steps::before{display:none}}
@media(max-width:760px){.boi-wb-page .boi-wb-wrap{width:calc(100% - 40px)}.boi-wb-page .boi-wb-section{padding:44px 0}.boi-wb-page .boi-wb-hero-layout{display:flex;flex-direction:column;gap:0;min-height:0}.boi-wb-page .boi-wb-hero-copy{padding:22px 0 30px;width:100%}.boi-wb-page h1{font-size:clamp(43px,8vw,58px)}.boi-wb-page .boi-wb-breadcrumb{margin-bottom:23px}.boi-wb-page .boi-wb-tagline{font-size:27px}.boi-wb-page .boi-wb-hero-media{height:390px;min-height:390px;width:100%;border-radius:9px 9px 0 0;overflow:hidden}.boi-wb-page .boi-wb-hero-media .boi-wb-portrait{object-fit:contain;object-position:center top;background:#e6e8e6}.boi-wb-page .boi-wb-photo-fade{background:linear-gradient(0deg,rgba(6,69,55,.13),transparent 60%)}.boi-wb-page .boi-wb-confidential-badge{right:16px;bottom:18px;padding:14px 18px;max-width:270px}.boi-wb-page .boi-wb-confidential-badge>.boi-wb-icon{width:34px;height:34px}.boi-wb-page .boi-wb-concern-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.boi-wb-page .boi-wb-guidance{padding:25px 0}.boi-wb-page .boi-wb-cta-layout{flex-direction:column;align-items:flex-start;gap:23px}}
@media(max-width:480px){.boi-wb-page{font-size:15px}.boi-wb-page .boi-wb-wrap{width:calc(100% - 32px)}.boi-wb-page h1{font-size:44px}.boi-wb-page h2{font-size:31px}.boi-wb-page .boi-wb-eyebrow{font-size:10px;gap:12px}.boi-wb-page .boi-wb-actions{flex-direction:column;align-items:stretch}.boi-wb-page .boi-wb-actions .boi-wb-button{width:100%}.boi-wb-page .boi-wb-hero-media{height:350px;min-height:350px}.boi-wb-page .boi-wb-confidential-badge{left:12px;right:12px;max-width:none}.boi-wb-page .boi-wb-concern-grid,.boi-wb-page .boi-wb-steps{grid-template-columns:1fr}.boi-wb-page .boi-wb-concern-card{padding:23px 20px}.boi-wb-page .boi-wb-confidential-panel,.boi-wb-page .boi-wb-prep-panel{flex-direction:column;padding:25px 22px}.boi-wb-page .boi-wb-shield-graphic{width:72px;height:86px;flex-basis:86px}.boi-wb-page .boi-wb-prep-icon{width:62px;height:62px;flex-basis:62px}.boi-wb-page .boi-wb-original-content{padding:20px}}
@media(prefers-reduced-motion:reduce){.boi-wb-page *{transition:none!important;scroll-behavior:auto!important}}
@media print{.boi-wb-page .boi-wb-hero-media,.boi-wb-page .boi-wb-cta{display:none}.boi-wb-page .boi-wb-hero-layout{display:block;min-height:0}.boi-wb-page .boi-wb-section{padding:20px 0}.boi-wb-page .boi-wb-wrap{width:100%}.boi-wb-page .boi-wb-concern-grid{grid-template-columns:repeat(2,1fr)}.boi-wb-page .boi-wb-concern-card,.boi-wb-page .boi-wb-steps>li{break-inside:avoid}}