:root{--erm-band-lilac:var(--tm-hero-bg);--erm-plate:var(--acc);--erm-peri:var(--c-purple-100);--erm-card:#f6f4fc;--erm-card-rule:#f25275;--erm-mark:#e94455;--erm-rail:#d9d9d9;--erm-bar-1:var(--c-purple-500);--erm-bar-2:var(--c-purple-475);--erm-bar-3:var(--c-purple-425);--erm-bar-4:var(--sol-tile-lead);--erm-title:var(--c-purple-900);--erm-cta-plate:var(--cta-plate)}.erm{background:var(--c-white);display:block}.erm-btn{background:var(--erm-plate);min-height:clamp(46px,3.333vw,64px);color:var(--c-white);border:1px solid var(--erm-plate);justify-content:space-between;align-items:center;gap:clamp(10px,1.2vw,23px);padding:0 clamp(14px,1.36vw,26px) 0 clamp(16px,1.25vw,24px);font-size:clamp(.86rem,1.042vw,1.25rem);line-height:1.2;transition:background .28s,box-shadow .28s,transform .28s;display:inline-flex}.erm-btn:hover{background:var(--acc-hover);transform:translateY(-1px);box-shadow:0 12px 28px -12px #53246499}.erm-arrow{flex:none;width:clamp(18px,1.34vw,25.7px);height:auto;display:block}.erm-btn--light{background:var(--c-white);color:var(--c-black);border-color:var(--c-white)}.erm-btn--light:hover{background:var(--c-grey-050);box-shadow:0 12px 28px -12px #00000080}.erm-eyebrow{color:var(--eyebrow);letter-spacing:.02em;text-transform:uppercase;font-variation-settings:"wdth" 100,"wght" 700;align-items:center;gap:clamp(8px,.7vw,13.4px);margin:0;font-size:clamp(.7rem,.77vw,.925rem);line-height:1.2;display:flex}.erm-eyebrow i{background:currentColor;border-radius:50%;flex:none;width:clamp(8px,.61vw,11.8px);height:clamp(8px,.61vw,11.8px)}.erm-eyebrow--center{justify-content:center}.erm-eyebrow--sm{font-size:clamp(.66rem,.729vw,.875rem)}.erm h2{color:var(--c-black);letter-spacing:-.015em;font-variation-settings:"wdth" 100,"wght" 700;margin:0;font-size:clamp(1.7rem,2.801vw,3.362rem);line-height:1.2645}.erm-hero{isolation:isolate;background:var(--erm-band-lilac);min-height:clamp(470px,39.583vw,760px);padding:clamp(150px,16.06vw,308px) 0 clamp(40px,3.07vw,59px);position:relative;overflow:hidden}.erm-hero-art{z-index:0;pointer-events:none;display:block;position:absolute;inset:0;overflow:hidden}.erm-hero-art img{object-fit:fill;width:103.28%;max-width:none;height:104.34%;display:block;position:absolute;top:-4.34%;left:-1.64%;transform:scaleX(-1)}.erm-hero:after{content:"";z-index:1;pointer-events:none;opacity:.78;background:linear-gradient(155deg,#ffffffeb 0%,#ffffff57 56%,#fff0 100%),repeating-linear-gradient(90deg,#ffffff4d 0,#ffffff0f 64px,#ffffff4d 128px);position:absolute;inset:0}.erm-hero>.wrap{z-index:2;padding-left:clamp(0px,.729vw,14px)}.erm-hero h1{color:var(--c-black);letter-spacing:-.02em;font-variation-settings:"wdth" 100,"wght" 700;margin:clamp(10px,.878vw,16.9px) 0 0;font-size:clamp(2.6rem,3.75vw,4.5rem);line-height:1.2639}.erm-hero .erm-btn{margin-top:clamp(14px,1.141vw,21.9px)}.erm-challenge{padding:clamp(84px,7.01vw,134.6px) 0 clamp(38px,3.23vw,62px)}.erm-challenge-grid{grid-template-columns:minmax(0,874fr) minmax(0,912fr);align-items:start;gap:clamp(24px,2vw,38px) clamp(24px,2.29vw,44px);padding-inline:clamp(0px,1.04vw,20px);display:grid}.erm-challenge-head h2{margin-top:clamp(9px,.771vw,14.8px)}.erm-challenge-copy{color:var(--c-black)}.erm-challenge-copy>p:not(.erm-eyebrow){margin:0;font-size:clamp(.86rem,1.042vw,1.25rem);line-height:1.25}.erm-solution{isolation:isolate;min-height:clamp(520px,45.62vw,876px);position:relative;overflow:hidden}.erm-solution-art{z-index:0;pointer-events:none;width:100.02%;height:87.67%;display:block;position:absolute;top:12.33%;left:-9.6%;overflow:hidden}.erm-solution-art img{object-fit:cover;width:100%;height:100%;display:block}.erm-solution-plate{z-index:1;background:var(--erm-peri);width:44.58%;min-height:clamp(400px,38.7vw,742.7px);padding:clamp(60px,5.7vw,109.5px) clamp(20px,2.5vw,48px) clamp(56px,5.99vw,115px) clamp(30px,3.33vw,64px);position:absolute;top:0;right:0}.erm-solution-plate h2{margin-top:clamp(12px,1.125vw,21.6px)}.erm-solution-copy{color:var(--c-black);margin-top:clamp(22px,2.219vw,42.6px)}.erm-solution-copy>p:not(.erm-eyebrow){margin:0;font-size:clamp(.86rem,1.042vw,1.25rem);line-height:1.25}.erm-solution-copy>p+p{margin-top:clamp(14px,1.302vw,25px)}.erm-solution-plate .erm-btn{margin-top:clamp(40px,4.49vw,86.2px)}.erm-caps{isolation:isolate;padding:clamp(46px,3.82vw,73.4px) 0 0;position:relative;overflow:hidden}.erm-caps-glow{z-index:-1;pointer-events:none;width:65.63%;height:98.34%;display:block;position:absolute;top:-20.96%;left:-10.21%;transform:scaleX(-1)}.erm-caps-glow img{object-fit:fill;width:100%;height:100%;display:block}.erm-caps-track{z-index:-1;pointer-events:none;opacity:.22;background:url(/credit-risk/track.webp) 0 0/100% 100% no-repeat;width:32.24%;height:27.79%;display:block;position:absolute;top:39.44%;left:9.01%}.erm-caps-chev{z-index:-1;pointer-events:none;background:url(/enterprise-risk-management/capabilities-chevron.svg) 0 0/100% 100% no-repeat;width:24.1%;height:24.89%;display:block;position:absolute;top:39.6%;left:9.13%}.erm-caps h2{max-width:min(100%,760px);margin-top:clamp(9px,.771vw,14.8px)}.erm-caps-grid{grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(20px,2.48vw,47.6px) clamp(14px,1.667vw,32px);margin:clamp(24px,1.99vw,38.2px) 0 0;padding:0;padding-inline:clamp(0px,.833vw,16px);list-style:none;display:grid}.erm-caps-grid>li{grid-column:var(--c);grid-row:var(--r)}.erm-cap{background:var(--erm-card);border:1px solid var(--c-white);height:100%;min-height:clamp(250px,18.02vw,346px);padding:clamp(26px,2.233vw,42.9px) clamp(12px,.885vw,17px) clamp(40px,3.97vw,76.2px);transition:box-shadow .28s;position:relative;box-shadow:0 14px 30px -14px #53246438}.erm-cap:after{content:"";background:var(--erm-card-rule);opacity:0;height:7px;transition:opacity .28s;position:absolute;bottom:0;left:0;right:0}.erm-cap:hover:after,.erm-cap:focus-within:after{opacity:1}.erm-cap:hover,.erm-cap:focus-within{box-shadow:0 20px 42px -18px #53246457}.erm-cap h3{color:var(--c-black);letter-spacing:-.01em;font-variation-settings:"wdth" 100,"wght" 700;margin:0;font-size:clamp(1.05rem,1.667vw,2rem);line-height:1.25}.erm-cap>p:not(.erm-eyebrow){color:var(--c-black);margin:clamp(24px,2.443vw,46.9px) 0 0;font-size:clamp(.8rem,1.042vw,1.25rem);line-height:1.25}.erm-approach{padding:clamp(72px,5.79vw,111.2px) 0 0}.erm-approach h2{text-align:center;margin-top:clamp(9px,.776vw,14.9px)}.erm-approach-sub{text-align:center;max-width:min(100%,1300px);color:var(--c-black);margin:clamp(12px,1.016vw,19.5px) auto 0;font-size:clamp(.86rem,1.042vw,1.25rem);line-height:1.25}.erm-approach-band{background:var(--erm-band-lilac);margin-top:clamp(40px,3.72vw,71.5px);padding:clamp(40px,3.23vw,62px) 0 clamp(34px,2.74vw,52.6px)}.erm-approach-grid{border-top:1px solid var(--erm-rail);grid-template-columns:repeat(4,minmax(0,1fr));margin:0;padding:0;padding-inline:clamp(0px,.833vw,16px);list-style:none;display:grid}.erm-step{isolation:isolate;height:100%;padding:clamp(16px,1.281vw,24.6px) clamp(14px,1.354vw,26px) clamp(18px,1.318vw,25.3px);transition:background .28s;position:relative}.erm-step:hover,.erm-step:focus-within{background:#9b75ec30}.erm-approach-grid>li+li{border-left:1px solid var(--erm-rail)}.erm-step-art{z-index:-1;pointer-events:none;opacity:.1;background:url(/fintech/gains-chevron.svg) 0 0/100% 100% no-repeat;width:93.87%;height:76.6%;display:block;position:absolute;top:23.56%;left:6.13%}.erm-step-n{color:var(--c-purple-500);font-variation-settings:"wdth" 100,"wght" 700;margin:0;font-size:clamp(.68rem,.833vw,1rem);line-height:1.2;display:block}.erm-step h3{color:var(--erm-title);font-variation-settings:"wdth" 100,"wght" 700;min-height:clamp(104px,8.3vw,159.3px);margin:clamp(14px,1.297vw,24.9px) 0 0;font-size:clamp(1rem,1.667vw,2rem);line-height:1.25}.erm-step>p:not(.erm-eyebrow){color:var(--c-black);margin:0;font-size:clamp(.8rem,1.042vw,1.25rem);line-height:1.25}.erm-approach-foot{justify-content:center;margin-top:clamp(40px,3.94vw,75.7px);display:flex}.erm-improves{isolation:isolate;min-height:clamp(620px,54.07vw,1038px);position:relative}.erm-improves-photo{z-index:1;width:48.49%;height:89.7%;display:block;position:absolute;top:10.3%;left:3.33%;overflow:hidden}.erm-improves-photo img{object-fit:cover;width:100%;height:100%;display:block}.erm-improves-plate{z-index:0;background:var(--erm-peri);width:49.84%;min-height:clamp(520px,49.48vw,950px);padding:clamp(56px,4.83vw,92.7px) clamp(8px,.531vw,10.2px) clamp(40px,3.5vw,67.2px) clamp(30px,6.47vw,124.3px);position:absolute;top:0;left:46.82%}.erm-improves-plate h2{max-width:min(100%,700px)}.erm-improves-sub{color:var(--erm-title);font-variation-settings:"wdth" 100,"wght" 700;margin:clamp(4px,.331vw,6.35px) 0 0;font-size:clamp(1rem,1.25vw,1.5rem);line-height:1.25}.erm-improves-lede{color:var(--c-black);max-width:min(100%,830px);margin:clamp(28px,2.916vw,56px) 0 0;font-size:clamp(.86rem,1.042vw,1.25rem);line-height:1.25}.erm-acc{gap:clamp(6px,.512vw,9.8px);margin:clamp(20px,1.31vw,25.2px) 0 0;padding:0;list-style:none;display:grid}.erm-acc-row{background:var(--c-white)}.erm-acc-btn{text-align:left;cursor:pointer;width:100%;min-height:clamp(52px,3.779vw,72.6px);color:var(--erm-title);font:inherit;font-variation-settings:"wdth" 100,"wght" 700;background:0 0;border:0;justify-content:space-between;align-items:center;gap:clamp(12px,1.04vw,20px);padding:clamp(10px,.688vw,13.2px) clamp(14px,1.365vw,26.2px);font-size:clamp(.86rem,1.042vw,1.25rem);line-height:1.25;display:flex}.erm-acc-mark{width:clamp(14px,1.042vw,20px);height:clamp(14px,1.042vw,20px);color:var(--c-black);flex:none;transition:transform .28s;position:relative}.erm-acc-mark:before,.erm-acc-mark:after{content:"";background:currentColor;position:absolute;top:50%;left:50%}.erm-acc-mark:before{width:100%;height:1.6px;transform:translate(-50%,-50%)}.erm-acc-mark:after{width:1.6px;height:100%;transform:translate(-50%,-50%)}.erm-acc-btn[aria-expanded=true] .erm-acc-mark{transform:rotate(45deg)}.erm-acc-panel{padding:0 clamp(14px,1.365vw,26.2px) clamp(14px,1.302vw,25px)}.erm-acc-panel p{color:var(--c-black);margin:0;font-size:clamp(.72rem,.833vw,1rem);line-height:1.25}.erm-acc-row[data-empty=true] .erm-acc-mark{opacity:.85}.erm-outcomes{padding:clamp(78px,6.23vw,119.5px) 0 clamp(70px,5.61vw,107.6px)}.erm-out-grid{grid-template-columns:minmax(0,608fr) minmax(0,1184fr);align-items:center;gap:clamp(24px,2vw,38px);padding-inline:clamp(0px,.833vw,16px);display:grid}.erm-out-copy h2{margin-top:clamp(12px,.958vw,18.4px)}.erm-out-copy .erm-btn{margin-top:clamp(40px,6.77vw,130px)}.erm-out-bars{margin:0;padding:0;list-style:none;display:grid}.erm-out-bars li{min-height:clamp(96px,8.18vw,157px);padding:clamp(12px,1.04vw,20px) clamp(16px,3.13vw,60px) clamp(12px,1.04vw,20px) min(calc(var(--pl) * .0521vw),calc(var(--pl) * 1px));clip-path:polygon(0 0,100% 0,100% 80.17%,96.23% 100%,0 100%);align-items:center;gap:clamp(12px,1.51vw,29px);display:flex}.erm-out-bars li:first-child{background:var(--erm-bar-1)}.erm-out-bars li:nth-child(2){background:var(--erm-bar-2)}.erm-out-bars li:nth-child(3){background:var(--erm-bar-3)}.erm-out-bars li:nth-child(4){background:var(--erm-bar-4)}.erm-out-bars b{color:var(--c-black);letter-spacing:-.02em;font-variation-settings:"wdth" 100,"wght" 700;flex:none;font-size:clamp(1.9rem,3.75vw,4.5rem);line-height:1.1}.erm-out-bars i{background:var(--c-black);flex:none;width:2px;height:clamp(60px,5.104vw,98px);display:block}.erm-out-bars p{color:var(--c-black);margin:0;font-size:clamp(.8rem,1.042vw,1.25rem);line-height:1.25}.erm-insights{background:var(--c-grey-050);padding:clamp(30px,2.4vw,46px) 0}.erm-res{grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(12px,1.09vw,21px);margin:0;padding:0;list-style:none;display:grid}.erm-res-item{background:var(--c-white);border:1px solid var(--border-soft);height:100%;color:inherit;flex-direction:column;text-decoration:none;transition:box-shadow .3s,transform .3s,border-color .3s;display:flex}.erm-res-item:hover{border-color:var(--border);transform:translateY(-4px);box-shadow:0 22px 44px -30px #5324648c}.erm-res-photo{aspect-ratio:161/147;display:block;overflow:hidden}.erm-res-photo img{object-fit:cover;width:100%;height:100%;display:block}.erm-res-item em{color:var(--ink3);letter-spacing:.14em;text-transform:uppercase;font-variation-settings:"wdth" 100,"wght" 700;margin:clamp(12px,1.04vw,20px) clamp(12px,1.04vw,20px) 0;font-size:clamp(.62rem,.677vw,.82rem);font-style:normal;line-height:1.2;display:block}.erm-res-item h3{color:var(--erm-title);font-variation-settings:"wdth" 100,"wght" 700;margin:clamp(6px,.42vw,8px) clamp(12px,1.04vw,20px) 0;font-size:clamp(1.05rem,1.458vw,1.75rem);line-height:1.2}.erm-res-item p{color:var(--c-black);margin:clamp(6px,.52vw,10px) clamp(12px,1.04vw,20px) clamp(14px,1.15vw,22px);font-size:clamp(.82rem,.938vw,1.13rem);line-height:1.35}.erm-cta{isolation:isolate;text-align:center;color:var(--c-white);background:var(--erm-cta-plate);min-height:clamp(400px,30.94vw,594px);padding:clamp(84px,7.04vw,135.1px) 0 clamp(56px,4.82vw,92.5px);position:relative;overflow:hidden}.erm-cta-art{z-index:0;pointer-events:none;display:block;position:absolute;inset:0;overflow:hidden}.erm-cta-art img{object-fit:fill;width:100.38%;max-width:none;height:170.79%;display:block;position:absolute;top:-41.36%;left:-.31%}.erm-cta>.wrap{z-index:2}.erm-cta h2{color:var(--c-white);max-width:min(100%,1200px);margin-inline:auto}.erm-cta>.wrap>p:not(.erm-eyebrow){max-width:min(100%,1120px);color:var(--c-white);margin:clamp(20px,2.031vw,39px) auto 0;font-size:clamp(.86rem,1.042vw,1.25rem);line-height:1.85}.erm-cta .erm-btn{margin-top:clamp(28px,2.776vw,53.3px)}@media (max-width:1100px){.erm-hero{min-height:0;padding-top:clamp(120px,20vw,220px);padding-bottom:clamp(48px,6vw,90px)}.erm-hero h1 br,.erm-cta>.wrap>p br,.erm-approach-sub br,.erm-improves-lede br,.erm-challenge-copy br{display:none}.erm-challenge-grid,.erm-out-grid{grid-template-columns:minmax(0,1fr)}.erm-solution{flex-direction:column-reverse;min-height:0;display:flex}.erm-solution-art{aspect-ratio:1920/768;width:100%;height:auto;position:relative;top:0;left:0}.erm-solution-plate{width:100%;min-height:0;position:relative;top:0;right:auto}.erm-improves{flex-direction:column;min-height:0;display:flex}.erm-improves-photo{aspect-ratio:931/931;width:100%;height:auto;max-height:60vw;position:relative;top:0;left:0}.erm-improves-plate{width:100%;min-height:0;position:relative;top:0;left:0}.erm-caps-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.erm-caps-grid>li{grid-area:auto!important}.erm-cap{min-height:0}.erm-caps-glow,.erm-caps-track,.erm-caps-chev{display:none}.erm-approach-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.erm-approach-grid>li+li{border-left:0}.erm-approach-grid>li:nth-child(2n){border-left:1px solid var(--erm-rail)}.erm-step h3{min-height:0}.erm-out-bars li{clip-path:none;padding-left:clamp(16px,2.5vw,32px)}.erm-res{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:760px){.erm h2 .wline,.erm h1 .wline{display:inline;overflow:visible}.erm h2 .wline>span,.erm h1 .wline>span{display:inline;transform:none}.erm-cap h3 br,.erm-step h3 br,.erm h2 br,.erm h1 br{display:none}.erm h2{text-wrap:balance}.erm-caps-grid,.erm-approach-grid,.erm-res{grid-template-columns:minmax(0,1fr)}.erm-approach-grid>li+li,.erm-approach-grid>li:nth-child(2n){border-left:0}.erm-out-bars li{flex-wrap:wrap;gap:clamp(8px,1.6vw,14px);padding-left:clamp(16px,2.5vw,32px);padding-right:clamp(16px,2.5vw,32px)}.erm-out-bars i{display:none}.erm-out-bars p{flex:1 0 100%}}