Your opinion counts! If you are an industry analyst or have question related to analyst information: Please email us at analyst.relations@tcs.com. 2022 Tata Consultancy Services Limited. This paper explores some of the challenges in the current health claims and payment system in Australia and what possible options are available for PHIs as part of their post-COVID-19 strategy to stay relevant. Tata Consultancy Services Solution Supports End-to-End Claim Automation and AI-Enabled Conversational Interface to Enhance Customer Experience and Engage Ecosystems for New Innovative Offerings. The TCS BaNCS universal financial solution is designed to help financial services institutions enhance end customer experience, enabling them to embrace open and innovative technologies that embody true digital customer engagement. We are taking you to another website now. This demands optimization, transformation, and innovation across the entire value chain of health insurance. To subscribe to TCS Analyst Relations mailers and TCS-Hosted Event notifications,click here. The conversational interface extends through the claim lifecycle, including service partner interactions., The report adds, As insurance clients shift from customization to enhancing TCS BaNCS for Insurance capabilities, the broader TCS Co-innovation Network, dubbed TCS COIN, identifies early-stage startups for inclusion in the companys API marketplace. It further notes, TCS BaNCS for insurance claims is a strong fit for the insurance arms of global financial services firms that want the efficiencies of a single platform underpinned with TCSs mature, company-wide innovation philosophy.. All Rights Reserved. A part of the Tata group, India's largest multinational business group, TCS has over 453,000 of the worlds best-trained consultants in 46 countries. *Please cite the folio numbers (if you hold physical shares) or the DP ID and Client ID (if your holdings are dematerialized) in all your correspondence. According to the report, TCS offers a strong engineering tech infrastructure[] TCS BaNCS [for Insurances] strengths include its intelligent digital core that supports end-to-end claim automation; embedded AI enabling new voice-based interactions; and strong globalization capabilities. To subscribe to our Earnings updates and IR bulletins, click here. Engagement Manager, Healthcare, TCS (ANZ Region). To unsubscribe from our Earnings' updates and IR bulletins,click here. The solution supports insurers of different sizes and complexities across the globe and supports multiple languages, currencies and regulatory regimes. We are taking you to another website now. Resting on a digital core, with conversational AI to guide and advise policy holders, and TCS distributed ledger-based blockchain solution, Quartz, the solution can help insurers expand their business, collaborate, connect and leverage the power of newer and richer ecosystems. Let us know what you think by choosing one option below. TCS offers a consulting-led, cognitive powered, integrated portfolio of business, technology and engineering services and solutions. TCS' proactive stance on climate change and award-winning work with communities across the world have earned it a place in leading sustainability indices such as the Dow Jones Sustainability Index (DJSI), MSCI Global Sustainability Index and the FTSE4Good Emerging Index. I understand that using below captcha would place cookies. For more information, visit us at www.tcs.com. Tata Consultancy Services is an IT services, consulting and business solutions organization that has been partnering with many of the worlds largest businesses in their transformation journeys for over 50 years. Let us know what you think by choosing one option below. Within the Current Offering category, TCS received the highest possible score in the criteria of Decisioning Engine, Payments/Disbursements/Settlements, Catastrophe/Complex Event Management, Claimant/Customer /Partner Communications, Adjustor Workbench Collaboration, Adjustor Workbench Analytics, Modularity, Decisioning: ML and AI, and Integrations: APIs, among others. Claims processing represents a moment of truth, which can greatly impact the brand experience for the insurers end-customer. Connect with us for partnership and funding related requests by emailing us at csr@tcs.com. NEW YORK | MUMBAI, November 10, 2020: Tata Consultancy Services (TCS) (BSE: 532540, NSE: TCS), a leading global IT services, consulting and business solutions organization, has been named a Leader in the Forrester Wave for P&C Claims Management Systems. Let us know what you think by choosing one option below. All Rights Reserved. I am aware that I can raise the same query to contact.us@tcs.com without using below captcha. SGX Selects TCS as Strategic Partner for its NSE IFSC-SGX Connect TCS BaNCS Now Available on Google Cloud: Helps Financial TCS BaNCS will enable financial services firms with cloud-native capabilities to accelerate digitization and drive their growth and transformation. All Rights Reserved. !function(e){"use strict";var t=function(t,n,r){function o(e){return i.body?e():void setTimeout(function(){o(e)})}function a(){d.addEventListener&&d.removeEventListener("load",a),d.media=r||"all"}var l,i=e.document,d=i.createElement("link");if(n)l=n;else{var s=(i.body||i.getElementsByTagName("head")[0]).childNodes;l=s[s.length-1]}var u=i.styleSheets;d.rel="stylesheet",d.href=t,d.media="only x",o(function(){l.parentNode.insertBefore(d,n?l:l.nextSibling)});var f=function(e){for(var t=d.href,n=u.length;n--;)if(u[n].href===t)return e();setTimeout(function(){f(e)})};return d.addEventListener&&d.addEventListener("load",a),d.onloadcssdefined=f,f(a),d};"undefined"!=typeof exports?exports.loadCSS=t:e.loadCSS=t}("undefined"!=typeof global?global:this),function(e){if(e.loadCSS){var t=loadCSS.relpreload={};if(t.support=function(){try{return e.document.createElement("link").relList.supports("preload")}catch(e){return!1}},t.poly=function(){for(var t=e.document.getElementsByTagName("link"),n=0;n P&C claims management features include: Automatic fraud detection and scoring based on configurable rules, Configurable duplicate check mechanism on claim intimation, Automatic validationsclaims data verified against policy information, Role-based authority for handling claims at different levels, Alerts and diaries to claims management based on nature of claims, lines of business and channels, Claims reserve, payments and disbursements, Identification of all claims for catastrophic events, Salvaging, subrogation and participation recovery. Health Claim Payments in Australia: Strategies for Post-COVID-19. TCS to Help Financial Services Firms Accelerate their Growth and Transformation with Microsoft Cloud for Financial Services Solutions. We are glad to see this recognition from a leading independent research firm, which we believe is testimony to the completeness of our solution as well as strong product vision and roadmap.. Leading Bahraini insurer entrusts TCS with go-live during Covid-19 crisis, Hyper-personalization: Reshaping the Insurance Industry, Personalizing Insurance A product desired, but never to be experienced, Enabling organizations to enhance administrative efficiency and support faster growth by enhancing end user experience, Provides flexibility along with automation and efficiency of key business processes and superior customer service, Protect reinsurers portfolio from catastrophic exposures and random fluctuations, Caters to a gamut of products, sales channels, and lifecycle functionalities. We are taking you to another website now. 2021 Tata Consultancy Services Limited. Well review your information and get in touch soon. 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94px);top:-webkit-calc(50vh - 94px);top:-o-calc(50vh - 94px);top:calc(50vh - 94px);left:-moz-calc(50% - 269px);left:-webkit-calc(50% - 269px);left:-o-calc(50% - 269px);left:calc(50% - 269px) }.prompt-wrapper{width:538px;height:188px;background-color:#FFF;box-shadow:rgba(0,0,0,.2) }@media only screen and (max-width:992px){.prompt-section{left:-moz-calc(50% - 136px);left:-webkit-calc(50% - 136px);left:-o-calc(50% - 136px);left:calc(50% - 136px) }.prompt-wrapper{width:273px;height:150px }}.prompt-wrapper .prompt-text{width:417px;height:26px;font-size:1.3rem;font-weight:400;line-height:1.18;letter-spacing:normal;text-align:center;color:#474747;padding:48px 60.5px 0 }@media only screen and (max-width:992px){.prompt-wrapper .prompt-text{width:240px;padding:30px 20px;font-size:1rem }}.prompt-wrapper .prompt-cancel,.prompt-wrapper .prompt-ok{height:36px;border-radius:4px;font-size:14px;color:#FFF;display:block;float:left;line-height:38px;text-align:center }.prompt-wrapper .prompt-buttons{width:403px;height:36px;margin-left:68px;margin-top:44px }@media only screen and (max-width:992px){.prompt-wrapper .prompt-buttons{width:100%;margin-left:17%;margin-top:16px }}.prompt-wrapper .prompt-cancel{width:192px;background-color:#cfcfcf }@media only screen and (max-width:992px){.prompt-wrapper .prompt-cancel{width:30% }}.prompt-wrapper .prompt-ok{width:192px;background-color:#0d8ffa;margin-left:19px }@media only screen and (max-width:992px){.prompt-wrapper .prompt-ok{width:30% }}.progress{position:fixed;width:64px;height:64px;overflow:hidden;z-index:10010;top:calc(50vh - 32px);left:calc(50% - 32px);background-repeat:no-repeat }#load-more-tweets{margin-bottom:5.7rem }@media only screen and (max-width:992px){#load-more-tweets{margin-bottom:1.467rem }}.pagination{width:100%;text-align:center;margin:auto;padding-top:44px;padding-bottom:58px }.pagination span{margin:0 .5rem;display:inline-block;vertical-align:middle }.pagination .button{display:none }@media only screen and (max-width:600px){.pagination{padding-top:20px;padding-bottom:42px }.pagination .button{display:inline-block }}.pagination-from.edit{width:25px;height:23px;border:1px solid #cfcfcf }.pagination-arrow{height:1.1rem;width:1.1rem;margin:0 1rem;display:inline-block;vertical-align:middle;background:#0e8ff9;border-radius:100%;color:#fff;line-height:1.1rem;font-size:.85rem;padding-top:1px;box-sizing:border-box }.pagination-controls input{font-size:15px;text-align:center }.page-overlay,.page-overlay-header{position:fixed;height:102vh;width:100vw;top:0;left:0;opacity:0;z-index:10001;padding:4rem 0 1rem 1rem;visibility:hidden;box-sizing:border-box;background-color:#FFF;-webkit-overflow-scrolling:touch;-webkit-animation:page-overlay-fade-out 1s forwards;-moz-animation:page-overlay-fade-out 1s forwards;-ms-animation:page-overlay-fade-out 1s forwards;-o-animation:page-overlay-fade-out 1s forwards;animation:page-overlay-fade-out 1s forwards }.page-overlay .overlay-content,.page-overlay-header .overlay-content{height:100% }.page-overlay .overlay-content .overlay-content-wrapper,.page-overlay-header .overlay-content .overlay-content-wrapper{overflow:auto;height:100%;padding:0 1rem 0 0 }.page-overlay .overlay-close,.page-overlay-header .overlay-close{display:none;width:1.688rem;height:1.75rem;position:absolute;right:6.25rem;top:1rem;background-size:cover }@media only screen and (max-width:992px){.page-overlay .overlay-close,.page-overlay-header .overlay-close{width:.875rem;height:.875rem;right:.625rem;top:1.875rem }}#nav-carousel{position:fixed;top:-moz-calc(50% - 75px);top:-webkit-calc(50% - 75px);top:-o-calc(50% - 75px);top:calc(50% - 75px);width:20px;z-index:998;right:2.1% }@media only screen and (max-width:1280px){#nav-carousel{display:none }}@media only screen and (max-width:992px){#nav-carousel{display:none;right:0 }.overlay-content-wrapper{margin:2.125rem 0 }}.parallax-wrapper{position:absolute;width:100%;height:100%;top:0 }.section-foreground{opacity:1;filter:alpha(opacity=100);position:absolute;top:0;right:0;left:0;bottom:0;z-index:1 }.section-background{height:100%;width: 100%; }.section-feature.section-feature-small .hero-headline{min-height: 450px; height: 60vh;}.hero-headline{min-height:600px;height:100vh;position:relative;color:#FFF }.section-bleed,.section-bleed video{top:0;height:100%;left:0;width:100% }.hero-headline .section-content{text-align:center }@media only screen and (min-width:601px) and (max-width:992px){.hero-headline .section-content{padding-top:0 }}.section-bleed video{object-fit:cover;-webkit-filter:blur(5px);filter:blur(5px);font-family:'object-fit: cover;';position:absolute }.section-bleed video.loaded,.section-bleed video.poster-loaded{-webkit-filter:none!important;filter:none!important;transform:scale(1) }.icon-paddledown{opacity:0;filter:alpha(opacity=0);position:absolute;left:0;right:0;margin:0 auto;text-align:center;font-size:20px;bottom:100px;width:100% }.section-enter .icon-paddledown{-webkit-animation:fade-in 2s 2s forwards;-moz-animation:fade-in 2s 2s forwards;-ms-animation:fade-in 2s 2s forwards;-o-animation:fade-in 2s 2s forwards;animation:fade-in 2s 2s forwards }.hero-headline h1{margin-left:auto;margin-right:auto;margin-bottom:15px }@media only screen and (max-width:992px){.hero-headline h1{margin-bottom:20px }}@media only screen and (max-width:600px){.hero-headline{min-height:500px;height:100% }.hero-headline .section-content{padding-top:25px }.icon-paddledown{width:100% }.hero-headline h1{margin-bottom:9px }}.hero-headline .hero-sub-message{display:inline-block }.section-hero{background:#000;height:100vh;min-height:600px;overflow:hidden }.section-hero .hero-headline .hero-main-message{margin:0 auto .6rem;width:80% }@media only screen and (max-width:600px){.section-hero .hero-headline .hero-main-message{text-align:center;width:90%;margin-bottom:1rem;min-width:290px }}.section-hero .hero-headline .hero-sub-message{width:70%;word-break:break-word;margin:0 0 2.1rem }@media only screen and (max-width:600px){.section-hero .hero-headline .hero-sub-message{width:90.63%;text-align:center }}.section-hero .hero-headline .icon-paddledown{bottom:2.1rem }.section-hero .section-content{position:absolute;bottom:10%;left:-moz-calc(50% - 570px);left:-webkit-calc(50% - 570px);left:-o-calc(50% - 570px);left:calc(50% - 570px);margin:0 }@media only screen and (max-width:1280px){.section-hero .section-content{left:4% }}.section-hero.section-enter .section-content{visibility:visible }.section-hero.section-enter .section-content>:nth-child(1){-webkit-animation:slideUpIn 2.2s;-moz-animation:slideUpIn 2.2s;-ms-animation:slideUpIn 2.2s;-o-animation:slideUpIn 2.2s;animation:slideUpIn 2.2s }.section-hero.section-enter .section-content>:nth-child(2){-webkit-animation:slideUpIn 2.4s;-moz-animation:slideUpIn 2.4s;-ms-animation:slideUpIn 2.4s;-o-animation:slideUpIn 2.4s;animation:slideUpIn 2.4s }.section-hero.section-enter .section-content>*{-webkit-animation-timing-function:ease-out;animation-timing-function:ease-out }#load-more-tweets{display:none }.page-overlay,.page-overlay-header{padding-bottom:4rem }::-webkit-media-controls{display:none!important }video::-webkit-media-controls{display:none!important }video::-webkit-media-controls-enclosure{display:none!important }@-webkit-keyframes slideUpIn{0%{transform:translate3d(0,30vh,0);opacity:0 }50%{opacity:.2 }90%{opacity:1 }100%{transform:translate3d(0,0,0);opacity:1 }}@-moz-keyframes slideUpIn{0%{transform:translate3d(0,30vh,0);opacity:0 }50%{opacity:.2 }90%{opacity:1 }100%{transform:translate3d(0,0,0);opacity:1 }}@-o-keyframes slideUpIn{0%{transform:translate3d(0,30vh,0);opacity:0 }50%{opacity:.2 }90%{opacity:1 }100%{transform:translate3d(0,0,0);opacity:1 }}@keyframes slideUpIn{0%{transform:translate3d(0,30vh,0);opacity:0 }50%{opacity:.2 }90%{opacity:1 }100%{transform:translate3d(0,0,0);opacity:1 }}@-webkit-keyframes headerSlideDown{0%,50%{transform:translateY(-8.33333em) }100%{transform:translateY(0) }}@-moz-keyframes headerSlideDown{0%,50%{transform:translateY(-8.33333em) }100%{transform:translateY(0) }}@-o-keyframes headerSlideDown{0%,50%{transform:translateY(-8.33333em) }100%{transform:translateY(0) }}@keyframes headerSlideDown{0%,50%{transform:translateY(-8.33333em) }100%{transform:translateY(0) }}@-webkit-keyframes fadeIn{0%{opacity:0 }50%{opacity:.33 }75%{opacity:.66 }100%{opacity:1 }}@-moz-keyframes fadeIn{0%{opacity:0 }50%{opacity:.33 }75%{opacity:.66 }100%{opacity:1 }}@-o-keyframes fadeIn{0%{opacity:0 }50%{opacity:.33 }75%{opacity:.66 }100%{opacity:1 }}@keyframes fadeIn{0%{opacity:0 }50%{opacity:.33 }75%{opacity:.66 }100%{opacity:1 }}@-webkit-keyframes fade-in{0%{opacity:0 }100%{opacity:1 }}@-moz-keyframes fade-in{0%{opacity:0 }100%{opacity:1 }}@-o-keyframes fade-in{0%{opacity:0 }100%{opacity:1 }}@keyframes fade-in{0%{opacity:0 }100%{opacity:1 }}@-webkit-keyframes page-overlay-fade-out{0%{opacity:.95 }100%{opacity:0 }}@-moz-keyframes page-overlay-fade-out{0%{opacity:.95 }100%{opacity:0 }}@-o-keyframes page-overlay-fade-out{0%{opacity:.95 }100%{opacity:0 }}@keyframes page-overlay-fade-out{0%{opacity:.95 }100%{opacity:0 }}.gradient-bg::after,.gradient-bg::before{content:'';height:100%;left:0;position:absolute;top:auto;bottom:0;width:100%;z-index:1;background-size:cover;background-repeat:no-repeat;opacity:.8 }.gradient-bg::before{opacity:.95 }.theme-black .header{color:#A1A1A1;background-color:#000;opacity:1 }.theme-black .external-link .external-link-icon{background-repeat:no-repeat;background-position:left bottom;width:14px;height:14px;display:inline-block;margin-left:8px }.theme-black .menu-item-column .heading{color:#b7b7b7;border-bottom:2px solid #6F6F6F }.theme-black .menu-item-link{color:#A1A1A1 }@media only screen and (max-width:992px){.page-overlay{padding:0 0 5rem }.page-overlay .overlay-content{padding-top:1rem }.page-overlay .overlay-content .overlay-content-wrapper{padding:0!important }.theme-black .header{opacity:1 }.theme-black .menu-item-link{color:#474747 }}.theme-black .menu-item-link a{color:#A1A1A1 }@media only screen and (max-width:992px){.theme-black .menu-item-link a{color:#474747 }}.theme-black .menu-item-content{background:#000;color:#A1A1A1 }.theme-black .menu-item-content a{color:#A1A1A1 }@media only screen and (max-width:992px){.theme-black .menu-item-content a{color:#474747;display:block }.theme-black .menu-item-content{background:#FFF;color:#474747 }.theme-black .menu-item-content .heading{border-bottom:0 }}.theme-black .mega-menu .menu-item,.theme-black .mega-menu a{color:#A1A1A1 }@media only screen and (max-width:992px){.theme-black .mega-menu a{color:#474747 }}.theme-black .search-icon-container,.theme-black .thin-header-mbl .thin-header-item a{color:#A1A1A1 }.theme-black .search-icon-container .icon{color:#A1A1A1;font-weight:600 }.first-visit header{animation:headerSlideDown 5s ease-out }.stock-transparent-header{position:absolute;z-index:get-z-index("ir","stock-trnaparent-header");top:82px;height:133px;width:100% }.stock-transparent-header a{color:inherit }@media only screen and (max-width:992px){.stock-transparent-header{z-index:1;top:58px;height:102px }}.first-visit .stock-transparent-header{opacity:0;animation:fadeIn 2s linear 5s alternate;animation-fill-mode:forwards;-webkit-animation-fill-mode:forwards }.event-details-header{position:relative;z-index:get-z-index("ir","event-details-header");background:rgba(0,0,0,.55);height:84px;padding-top:2rem }.event-details-header-inner{width:80%;margin:0 auto;text-align:center;color:#FFF }.event-day{font-size:30px }.event-day .event-date{display:inline-block }@media only screen and (max-width:992px){.event-details-header-inner{width:90%;text-align:left }.event-day{font-size:1.375rem }.event-day .event-date{display:block }}.event-details{font-size:17px;letter-spacing:.1 }@media only screen and (max-width:992px){.event-details{font-size:1.067rem }}.invest-header-arrow{top:2px;left:6px;position:relative }.theme-black .header.enable-tcs-50-logo .theme-black-logo{display:block }.theme-black .header.enable-tcs-50-logo .theme-white-logo{display:none }.header .tcs-50-brand-logo{display:none }@media only screen and (min-width: 993px){.header.enable-tcs-50-logo.nav-local{height:72px;max-height:72px }}.header.enable-tcs-50-logo .brand-logo{display:none }.header.enable-tcs-50-logo .tcs-50-brand-logo{display:block;float:left}@media only screen and (max-width: 768px){.header.enable-tcs-50-logo .tcs-50-brand-logo{width:150px}}.header.enable-tcs-50-logo .tcs-50-brand-logo .theme-black-logo,.header.enable-tcs-50-logo .tcs-50-brand-logo .theme-white-logo{height:50px }@media only screen and (max-width: 992px){.header.enable-tcs-50-logo .tcs-50-brand-logo .theme-black-logo,.header.enable-tcs-50-logo .tcs-50-brand-logo .theme-white-logo{height:40px }}.header.enable-tcs-50-logo .tcs-50-brand-logo picture img{object-fit:contain;height:90% }.header.enable-tcs-50-logo .menu-item-content{margin-top:2px }@media only screen and (min-width: 993px){.header.enable-tcs-50-logo .search-icon{padding-top:0px }}.header.enable-tcs-50-logo .mega-menu .menu-item{padding-top:10px }.header.enable-tcs-50-logo.shrink{height:62px }.header.enable-tcs-50-logo.shrink .tcs-50-brand-logo{padding-top:8px }.header.enable-tcs-50-logo.shrink .menu-item-content{margin-top:3px }.header .tcs-50-brand-logo{width:145px}@media only screen and (max-width: 600px){.header .tcs-50-brand-logo{width:85px !important}}@media only screen and (max-width: 768px){.header .tcs-50-brand-logo{width:150px}}@media only screen and (max-width: 768px) and (orientation: landscape){.header .tcs-50-brand-logo{width:120px}}@media only screen and (max-width: 992px) and (orientation: landscape){.header .tcs-50-brand-logo{width:120px}}.header .six-menu-items{width:calc(100% - 275px)}@media only screen and (max-width: 600px){.header .six-menu-items{width:calc(100% - 50px)}}@media only screen and (min-width: 993px){.header .six-menu-items .menu-item{padding:10px 15px 0px 15px}}.header .tata-group-logo{width:38px;height:58px;display:inline-block;float:right}@media only screen and (max-width: 768px){.header .tata-group-logo{padding-top:5px}}@media only screen and (max-width: 600px){.header .tata-group-logo{width:25px;height:35px;padding-top:3px}}.bancs-multi-logo .bancs-brand-logo{width:175px;display:block;height:80%;float:left;padding-left:15px;padding-top:7px}@media only screen and (min-width: 993px){.bancs-multi-logo .bancs-brand-logo{padding-top:12px;width:165px}}@media only screen and (max-width: 600px){.bancs-multi-logo .bancs-brand-logo{width:93px !important;padding-top:7px !important;padding-left:3px !important}}@media only screen and (max-width: 992px) and (orientation: landscape){.bancs-multi-logo .bancs-brand-logo{width:150px;padding-top:10px}}.bancs-multi-logo .bancs-brand-logo picture img{object-fit:contain;height:90%;object-position:center}.bancs-multi-logo .mega-menu{width:calc(100% - 440px)}@media only screen and (max-width: 600px){.bancs-multi-logo .mega-menu{width:calc(100% - 50px)}}.bancs-multi-logo .mega-menu .menu-item{padding:10px 18px 0px 18px}@media only screen and (max-width: 768px){.menu-item-link{position:relative;z-index:0}}.section-hero.section-hero-center .section-content{bottom:0px;top:35%;text-align:center;}@media only screen and (max-width: 992px){.section-hero.section-hero-center .section-content{top:30%}}.section-hero.section-hero-center .hero-headline .hero-sub-message{font-size:24px;font-weight:300;word-break:break-word;font-stretch:normal;min-width:465px;margin:20px auto 40px;display:block;text-align:center;line-height:1.25;width:40%}@media only screen and (max-width: 992px){.section-hero.section-hero-center .hero-headline .hero-sub-message{width:90%;min-width:300px;margin:10px auto 60px;font-size:20px}}.section-hero.section-hero-center .section-hero-center-logo{width:300px;margin:0 auto;height:100px;}@media only screen and (max-width: 992px){.section-hero.section-hero-center .section-hero-center-logo{width:200px;margin:0 auto;height:auto;}}.section-feature.section-feature-small.section-hero-center .section-content{bottom:0px;top:30%}@media only screen and (max-width: 992px){.section-feature.section-feature-small.section-hero-center .section-content{top:35%}}.section-feature.section-feature-small.section-hero-center .hero-headline .hero-sub-message{font-size:24px;font-weight:300;word-break:break-word;font-stretch:normal;width:40%;min-width:465px;margin:14px auto 30px;display:block;text-align:center;line-height:1.25}@media only screen and (max-width: 992px){.section-feature.section-feature-small.section-hero-center .hero-headline .hero-sub-message{width:90%;margin:0 auto 40px;font-size:20px;min-width:300px}}.section-feature.section-feature-small.section-hero-center .section-hero-center-logo{width:300px;margin:0 auto;height: 100px;}@media only screen and (max-width: 992px){.section-feature.section-feature-small.section-hero-center .section-hero-center-logo{width:200px;margin:0 auto;height:auto;}}picture img{width:100%;height:100%;object-fit:cover}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view.horizontal .bcl-image{min-width:360px;height:240px}@media only screen and (max-width: 992px){.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view.vertical .bcl-image {height:218px}}@media only screen and (max-width: 992px){.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view.vertical .bcl-image{height:218px}}.center-align{text-align:center}.footer{background-color:#474747;padding:50px 0;overflow-x:hidden}@media only screen and (max-width: 992px){.footer{padding:20px 0px 0px 0px;font-size:0.75rem}}.footer-inner-container{margin-top:0}.footer-column{width:20%;float:left;padding-right:2%}.footer-column.industries{width:19%}.footer-column.service{width:21%}.footer-column.product-platform{width:19%}.footer-column.discover{width:16%;padding-right:1.5%}.footer-column.connect-with-tcs{width:17.5%;padding-right:0}@media only screen and (max-width: 992px){.footer-column{display:none;width:100%;text-align:left}.footer-column.industries{width:100%}.footer-column.service{width:100%}.footer-column.product-platform{width:100%}.footer-column.discover{width:100%}.footer-column.connect-with-tcs{width:100%}.footer-column.active{border-bottom:1px solid #999}}.footer-column-connect{display:block;padding-left:2.5%;box-sizing:border-box;border-left:1px solid #7b7b7b}@media only screen and (max-width: 992px){.footer-column-connect{border-left-width:0;padding:0;text-align:center;border:none;padding-bottom:20px}}.footer .menu-item-heading,.footer .menu-item-heading-connect,.footer .menu-item-heading-connect>a,.footer .menu-item-heading>a,.footer .menu-item-sub-heading{color:#EBEBEB;font-size:1.125rem;font-weight:600}@media only screen and (min-width: 1200px) and (max-width: 1350px){.footer .menu-item-heading,.footer .menu-item-heading-connect,.footer .menu-item-heading-connect>a,.footer .menu-item-heading>a,.footer .menu-item-sub-heading{font-size:1rem}}@media only screen and (min-width: 992px) and (max-width: 1200px){.footer .menu-item-heading,.footer .menu-item-heading-connect,.footer .menu-item-heading-connect>a,.footer .menu-item-heading>a,.footer .menu-item-sub-heading{font-size:0.78rem}}.footer .menu-item-heading,.footer .menu-item-heading-connect,.footer .menu-item-sub-heading{outline:none}.footer .menu-item-heading{margin-bottom:12px}.footer .menu-item-heading-middle{margin-top:12px}.footer .menu-item-sub-heading{font-size:0.75rem;margin-top:12px}.footer .menu-item-sub-heading:first-child{margin-bottom:0;margin-top:0}.footer .menu-item-heading-connect.other-links{display:block;line-height:1rem}.footer .social-icons-container{width:185px;height:30px;padding:10px 0;font-size:1.375rem;font-weight:400}@media only screen and (max-width: 992px){.footer .social-icons-container{width:100%}}@media only screen and (min-width: 992px) and (max-width: 1290px){.footer .social-icons-container{width:130px}}@media only screen and (max-width: 992px){.menu-item-heading:after{content:'+';float:right;font-weight:normal;margin-right:8px;-webkit-transition:-webkit-transform .3s ease;transition:-webkit-transform .3s ease;transition:transform .3s ease;transition:transform .3s ease, -webkit-transform .3s ease}.menu-item-heading.menu-item-heading-active:after{-webkit-transform:rotate(45deg) scale(1.08);-ms-transform:rotate(45deg) scale(1.08);transform:rotate(45deg) scale(1.08)}.menu-item-heading,.menu-item-heading-connect{border-bottom:1px solid #999;padding:0 0;margin:0;display:block}.footer-column.active 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.tata-logo-container,.tcs-name-expanded-logo{float:none;width:100%;background-position:50%;color:#fff}.footer .tata-logo-container{height:56px}.footer .tcs-name-expanded-logo{height:40px}.footer .tata-logo-container .tata-logo,.footer .tata-logo-container .tata-text{background-position:50%;display:block;width:100%}.footer .tata-logo-container .tata-logo{height:21px;margin-bottom:5px}.footer .tata-logo-container .tata-text{height:11px}.copy-right-text-container .copyright-font-text{display:none}.copy-right-text-container .copyright-text{float:none;width:100%;text-align:center}.copy-right-text-container .copy-right-tata-posn{text-align:center;width:100%;float:none;margin-top:0}.copy-right-text-container .copy-right-tata-posn .part-of-tata{float:none}.copy-right-text-container .copy-right-logo-posn{float:none}.copy-right-text-container .copy-right-logo-posn .all-rights-text{float:none;margin-left:0}}.copyright-font-text span{width:1px;height:1px;position:absolute;top:0%;overflow:hidden}.external-link-icon{margin-left:5px !important}.footer-without-menu{padding:0}@media only screen and (max-width: 992px){.footer-without-menu{padding:10px}}@media only screen and (min-width: 993px){.footer-without-menu .copyright-container{margin-top:15px}}.band-strip-header{position:absolute;z-index:1;top:94px;height:auto;width:100%;opacity:0;animation:fadeIn 2.2s;animation-fill-mode:forwards;-webkit-animation-fill-mode:forwards}.band-strip-header a{color:inherit}.band-strip-header.shrink-sh-close{top:74px}@media only screen and (max-width: 992px){.band-strip-header{z-index:1;top:58px;height:120px}}@media only screen and (max-width: 600px){.band-strip-header{top:37px}}.band-strip-header .band-strip-details-header{position:relative;z-index:1;background:rgba(0,0,0,0.55);height:auto;padding-top:2rem;padding-bottom:0.5rem}@media only screen and (max-width: 992px){.band-strip-header .band-strip-details-header{padding-top:2rem;padding-bottom:1rem}}.band-strip-header .band-strip-details-header-inner{width:80%;margin:0 auto;text-align:center;color:#fff}@media only screen and (max-width: 992px){.band-strip-header .band-strip-details-header-inner{width:90%;text-align:left}}.band-strip-header .event-day{font-size:22px}.band-strip-header .event-day .event-date{display:inline-block}@media only screen and (max-width: 992px){.band-strip-header .event-day{font-size:1.125rem}.band-strip-header .event-day .event-date{display:block}}.band-strip-header .band-strip-details{font-size:1rem;letter-spacing:0.1}@media only screen and (max-width: 992px){.band-strip-header .band-strip-details{font-size:1rem}}.band-strip-header .band-strip-arrow{top:2px;left:6px;position:relative}.section-cards-layout{padding-top:6vh;padding-bottom:6vh;min-height:550px}@media only screen and (max-width: 992px){.section-cards-layout{padding-top:0;padding-bottom:0;-webkit-text-size-adjust:100%}}.section-cards-layout .padding-top-30{padding-top:30px}@media only screen and (max-width: 992px){.section-cards-layout .padding-top-30{padding-top:0px}}.section-cards-layout .padding-top-60{padding-top:60px}@media only screen and (max-width: 992px){.section-cards-layout .padding-top-60{padding-top:0px}}@media only screen and (max-width: 600px){.section-cards-layout .card-layout-heading{text-align:center}}@media only screen and (max-width: 992px){.section-cards-layout .cards-layout-title-bold{display:none}}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-inner{margin-top:1.625rem}}.section-cards-layout .cards-wrapper-heading .row{margin:0px}@media only screen and (max-width: 992px){.section-cards-layout .cards-wrapper-heading{text-align:center}}@media only screen and (min-width: 992px) and (max-width: 1279px){.section-cards-layout .cards-wrapper-heading h2{font-size:1.9rem}}@media only screen and (max-width: 992px){.section-cards-layout .col-middle-ma .card-list-type{margin:0px}}.section-cards-layout .col-right-ma.lt-ma-2 .card-list-type{margin-left:1.325rem}@media only screen and (max-width: 992px){.section-cards-layout .col-right-ma.lt-ma-2 .card-list-type{margin:0px}}@media only screen and (max-width: 600px){.section-cards-layout .card-list-type{margin:0px;height:430px;max-height:430px}}.section-cards-layout .cards-view-all{float:right;font-weight:600;font-size:14px;margin-top:10px}.section-cards-layout .cards-view-all a{color:#474747}.section-cards-layout .cards-view-all .text-centered{top:-3px;left:-4px}@media only screen and (max-width: 600px){.section-cards-layout .cards-view-all .text-centered{top:-1px}}.section-cards-layout .cards-list-layout.vertical-list-only .cards-list-view{padding-top:3px;padding-bottom:3px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout.vertical-list-only .cards-list-view{padding:0px}}.section-cards-layout .cards-list-layout.vertical-list-only .cards-list-view.cards-tile-medium{margin-right:0px;margin-left:10px}.section-cards-layout .cards-list-layout.vertical-list-only .cards-list-view.cards-tile-medium .cards-list-view-details{padding-left:0px;padding-top:7px}.section-cards-layout .cards-list-layout.two-column-tiles .cards-list-view{border-bottom:0px}.section-cards-layout .cards-list-layout .arrow-up-bottom-left .cards-list-view-image:before{position:absolute;border-bottom:15px solid transparent;border-left:15px solid #fff;display:block;content:" ";bottom:-1px;-webkit-transform:rotateX(180deg);-moz-transform:rotateX(180deg);-ms-transform:rotateX(180deg);transform:rotateX(180deg);left:35px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .arrow-up-bottom-left .cards-list-view-image:before{display:none}}.section-cards-layout .cards-list-layout .arrow-up-bottom-left .cards-list-view-image:after{position:absolute;left:20px;border-bottom:15px solid transparent;border-right:15px solid #fff;display:block;content:" ";bottom:-1px;-webkit-transform:rotateX(180deg);-moz-transform:rotateX(180deg);-ms-transform:rotateX(180deg);transform:rotateX(180deg)}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .arrow-up-bottom-left .cards-list-view-image:after{display:none}}.section-cards-layout .cards-list-layout .arrow-left-top-right .cards-list-view-image{bottom:0;float:left;display:inline-block}.section-cards-layout .cards-list-layout .arrow-left-top-right .cards-list-view-image:before{position:absolute;right:0;border-bottom:15px solid transparent;border-right:15px solid #fff;display:block;content:" ";top:20px;-webkit-transform:rotateX(180deg);-moz-transform:rotateX(180deg);-ms-transform:rotateX(180deg);transform:rotateX(180deg)}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .arrow-left-top-right .cards-list-view-image:before{display:none}}.section-cards-layout .cards-list-layout .arrow-left-top-right .cards-list-view-image:after{position:absolute;right:0;border-bottom:15px solid transparent;border-right:15px solid #fff;display:block;content:" ";top:35px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .arrow-left-top-right .cards-list-view-image:after{display:none}}.section-cards-layout .cards-list-layout .cards-list-view{text-align:left;padding-top:23px}.section-cards-layout .cards-list-layout .cards-list-view:hover .cards-list-view-title{color:#121212;font-weight:normal}.section-cards-layout .cards-list-layout .cards-list-view:hover .cards-list-view-desc{color:#848484}.section-cards-layout .cards-list-layout .cards-list-view.card-wd-48{width:48%;display:inline-block;float:left}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.card-wd-48{width:100%}}.section-cards-layout .cards-list-layout .cards-list-view-image{background:#fff;margin-right:10px}.section-cards-layout .cards-list-layout .cards-list-view-details .card-category{text-transform:uppercase;line-height:2.67}.section-cards-layout .cards-list-layout .cards-list-view-details .cards-list-view-title{line-height:1;max-height:38px;overflow:hidden;display:-webkit-inline-box;-webkit-box-orient:vertical;-webkit-line-clamp:2;display:block;color:#474747;letter-spacing:normal;font-style:normal;font-stretch:normal;font-size:20px;padding-top:0px;padding-bottom:3px;margin-bottom:3px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view-details .cards-list-view-title{font-size:16px;font-weight:normal;height:135px;padding-bottom:0px;margin-bottom:0px}}.section-cards-layout .cards-list-layout .cards-list-view-details .cards-list-view-desc{line-height:1.25;overflow:hidden;max-height:3.7rem;overflow:hidden;display:-webkit-inline-box;-webkit-box-orient:vertical;-webkit-line-clamp:4;display:block;margin-top:13px;color:#474747;font-size:1rem;font-weight:normal}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view-details .cards-list-view-desc{font-size:1.067rem;line-height:1.38;margin-left:0.5rem;margin-right:0.5rem;max-height:100px;overflow:hidden}}.section-cards-layout .cards-list-layout .cards-list-view{height:auto;width:100%;max-height:7.6rem}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-small.border-bottom-requied{border-bottom:1px solid #e5e5e5;padding-bottom:17px;padding-top:17px}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-small.border-bottom-requied.x-small{padding-top:23px;padding-bottom:23px}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-small.x-small .cards-list-view-image{width:115px;height:115px}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-small.x-small .cards-list-view-details{padding:0px 0px 7px 0px;max-height:7.6rem}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-small.x-small .cards-list-view-details .cards-list-view-desc{max-height:3.7rem}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-small.hide-cards-list-image .cards-list-view-image{display:none}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-small.hide-cards-list-desc .cards-list-view-desc{display:none}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-small.hide-cards-list-desc .cards-list-view-title{padding-top:3px}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-small .cards-list-view-image{width:94px;height:94px;display:inline-block;float:left}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-small .cards-list-view-details{max-height:94px;overflow:hidden;padding-bottom:5px}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-small .cards-list-view-details .cards-list-view-desc{max-height:2.5rem;margin-top:13px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-small .cards-list-view-details .cards-list-view-desc{height:2.5rem;margin-top:0}}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-small{display:none}}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium{max-height:7.6rem;height:auto;width:47%;float:left;margin-right:20px}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium.wd-100{width:100%}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium.border-bottom-required{border-bottom:1px solid #e5e5e5}@media only screen and (min-width: 992px) and (max-width: 1279px){.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium{margin-right:0}}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium{width:100%;border-bottom:1px solid #e5e5e5;height:auto}}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium{display:none}}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium.hide-cards-list-image .cards-list-view-image{display:none}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium.hide-cards-list-desc .cards-list-view-desc{display:none}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium.hide-cards-list-desc .cards-list-view-title{padding-top:3px}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium .cards-list-view-image{width:115px;height:115px;display:inline-block;float:left}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium .cards-list-view-image{width:94px;height:94px}}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium .cards-list-view-details{padding:0px 0px 7px 0px;max-height:7.6rem;overflow:hidden}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium .cards-list-view-details .cards-list-view-title{font-weight:normal}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-medium .cards-list-view-details .cards-list-view-desc{max-height:2.5rem;margin-top:0}}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-list-only{max-height:7.6rem;height:auto;width:100%;float:left}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-list-only{width:100%;border-bottom:1px solid #e5e5e5;height:auto}}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-list-only.hide-cards-list-image .cards-list-view-image{display:none}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-list-only.hide-cards-list-desc .cards-list-view-desc{display:none}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-list-only.hide-cards-list-desc .cards-list-view-title{padding-top:3px}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-list-only .cards-list-view-image{width:110px;height:110px;display:inline-block;float:left}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-list-only .cards-list-view-image{width:94px;height:94px}}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-list-only .cards-list-view-details{padding:5px 5px 5px 0px;max-height:6.6rem;overflow:hidden}.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-list-only .cards-list-view-details .cards-list-view-title{font-weight:600}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.cards-tile-list-only .cards-list-view-details .cards-list-view-desc{max-height:2.5rem;margin-top:0}}.padding-bottom-clear{padding-bottom:0}.section-cards-layout-small{min-height:300px;padding:0}@media only screen and (max-width: 600px){.section-cards-layout-small{margin-top:0px}}.section-cards-layout .parallax-wrapper{position:relative}@media only screen and (min-width: 993px){.section-cards-layout .screen-viewall-hide{display:none}}@media only screen and (max-width: 992px){.section-cards-layout .device-viewall-hide{display:none}}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view-outer{height:100%}}.section-cards-layout .cards-list-layout .cards-list-view.no-padding-top{padding-top:0px}.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card{position:relative;padding-top:0px;border:1px solid #e5e5e5;padding:0;height:348px;max-height:348px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card{height:430px;max-height:430px;border:none}}.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card .cards-list-view-image{position:relative;width:100%;float:none;height:218px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card .cards-list-view-image{display:block}}.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card .cards-list-view-details{padding:17px 17px 0px 17px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card .cards-list-view-details{text-align:center}}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card .cards-list-view-details .cards-list-view-title{font-weight:bold;font-size:1.25rem;line-height:1.2;margin-left:0.72rem;margin-right:0.72rem;max-height:40px}}.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card .cards-list-view-details .cards-list-view-desc{max-height:3.7rem;margin-top:11px;padding-bottom:2px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card .cards-list-view-details .cards-list-view-desc{max-height:100px}}@media only screen and (min-width: 601px) and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card.arrow-up-bottom-left .cards-list-view-image:before{left:346px}}@media only screen and (max-width: 600px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card.arrow-up-bottom-left .cards-list-view-image:before{display:none}}@media only screen and (min-width: 601px) and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card.arrow-up-bottom-left .cards-list-view-image:after{left:331px}}@media only screen and (max-width: 600px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card.arrow-up-bottom-left .cards-list-view-image:after{display:none}}.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card{float:none;position:relative;padding-top:0px;border:1px solid #e5e5e5;padding:0;height:218px;width:100%;max-height:218px}.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card .cards-list-view-details{padding-top:25px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card{border-bottom:0;width:inherit}}.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50 .cards-list-view-image{position:relative;display:inline-block;float:left;height:100%;width:363px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50 .cards-list-view-image{width:100%;display:block;float:none}}.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50.arrow-left-top-right .cards-list-view-image:before{width:348px}@media only screen and (min-width: 601px) and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50.arrow-left-top-right .cards-list-view-image:before{width:331px;top:203px;left:0}}@media only screen and (max-width: 600px){.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50.arrow-left-top-right .cards-list-view-image:before{display:none}}.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50.arrow-left-top-right .cards-list-view-image:after{width:348px}@media only screen and (min-width: 601px) and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50.arrow-left-top-right .cards-list-view-image:after{left:346px;top:203px;border-right:0;border-left:15px solid #fff;-webkit-transform:rotateX(180deg);-moz-transform:rotateX(180deg);-ms-transform:rotateX(180deg);transform:rotateX(180deg)}}@media only screen and (max-width: 600px){.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50.arrow-left-top-right .cards-list-view-image:after{display:none}}.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50 .cards-list-view-details{display:table;margin:0 auto;padding:30px 17px 30px 17px}@media only screen and (min-width: 992px) and (max-width: 1279px){.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50 .cards-list-view-details{padding:42px 18px 42px 18px}}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50 .cards-list-view-details{width:inherit;display:block;padding:10px;border-top:0;text-align:center}}.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50 .cards-list-view-details .cards-list-view-title{font-weight:600;max-height:40px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50 .cards-list-view-details .cards-list-view-title{font-weight:bold;font-size:1.25rem;line-height:1.2;margin-left:.72rem;margin-right:.72rem;max-height:40px}}.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50 .cards-list-view-details .cards-list-view-desc{margin-top:11px;max-height:6rem}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.horizontal-first-card.hr-first-card-wd-50 .cards-list-view-details .cards-list-view-desc{max-height:100px}}.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card-inline-list{padding-top:0px;border:1px solid #e5e5e5;padding:0;height:348px;max-height:348px;margin-right:10px;position:relative;margin-top:12px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card-inline-list{height:430px;max-height:430px;border:none;margin-top:0px;margin-right:0px}}.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card-inline-list .cards-list-view-image{position:relative;width:100%;float:none;height:218px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card-inline-list .cards-list-view-image{display:block}}.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card-inline-list .cards-list-view-details{padding:17px 17px 0px 17px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card-inline-list .cards-list-view-details{text-align:center;padding:10px}}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card-inline-list .cards-list-view-details .cards-list-view-title{font-weight:bold;font-size:1.25rem;line-height:1.2;margin-left:.72rem;margin-right:.72rem;max-height:40px}}.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card-inline-list .cards-list-view-details .cards-list-view-desc{max-height:3.7rem;margin-top:11px;padding-bottom:2px}@media only screen and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card-inline-list .cards-list-view-details .cards-list-view-desc{max-height:100px}}@media only screen and (min-width: 601px) and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card-inline-list.arrow-up-bottom-left .cards-list-view-image:before{left:346px}}@media only screen and (max-width: 600px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card-inline-list.arrow-up-bottom-left .cards-list-view-image:before{display:none}}@media only screen and (min-width: 601px) and (max-width: 992px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card-inline-list.arrow-up-bottom-left .cards-list-view-image:after{left:331px}}@media only screen and (max-width: 600px){.section-cards-layout .cards-list-layout .cards-list-view.vertical-first-card-inline-list.arrow-up-bottom-left .cards-list-view-image:after{display:none}}.section-cards-layout .card-collage{position:relative;margin:0 0.5rem 0rem 0.5rem}@media only screen and (max-width: 992px){.section-cards-layout .card-collage{margin:0}}.section-cards-layout .card-collage.cc-col-left{margin-left:0px;margin-right:1rem}@media only screen and (max-width: 992px){.section-cards-layout .card-collage.cc-col-left{margin:0px}}.section-cards-layout .card-collage.cc-col-right{margin-right:0px;margin-left:1rem}@media only screen and (max-width: 992px){.section-cards-layout .card-collage.cc-col-right{margin:0px}}@media only screen and (max-width: 992px){.section-cards-layout .card-collage.show-mobile-card{height:430px}}.section-cards-layout .card-collage.news-card-collage{margin:0}.section-cards-layout .card-collage.news-card-collage .cc-subTitle{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.section-cards-layout .card-collage.cc-aro-up-btm-left .cc-image{height:100px;padding-left:0}.section-cards-layout .card-collage.cc-aro-up-btm-left .cc-image:before,.section-cards-layout .card-collage.cc-aro-up-btm-left .cc-image:after{position:absolute;border-bottom:15px solid transparent;display:block;content:" ";bottom:0;-webkit-transform:rotateX(180deg);-moz-transform:rotateX(180deg);-ms-transform:rotateX(180deg);transform:rotateX(180deg)}@media only screen and (max-width: 600px){.section-cards-layout .card-collage.cc-aro-up-btm-left .cc-image:before,.section-cards-layout .card-collage.cc-aro-up-btm-left .cc-image:after{display:none}}.section-cards-layout .card-collage.cc-aro-up-btm-left .cc-image:before{border-right:15px solid #fff;left:20px}@media only screen and (max-width: 992px){.section-cards-layout .card-collage.cc-aro-up-btm-left .cc-image:before{display:none}}.section-cards-layout .card-collage.cc-aro-up-btm-left .cc-image:after{border-left:15px solid #fff;left:35px}@media only screen and (max-width: 992px){.section-cards-layout .card-collage.cc-aro-up-btm-left .cc-image:after{display:none}}.section-cards-layout .card-collage .cc-details{color:#474747;font-size:1rem;height:100px}@media only screen and (max-width: 992px){.section-cards-layout .card-collage .cc-details{padding:10px;text-align:center}}@media only screen and (max-width: 992px){.section-cards-layout .card-collage .cc-details .cc-category{text-transform:uppercase;line-height:2.67;color:#0e8ff9}}.section-cards-layout .card-collage .cc-details .cc-title{font-size:22px;line-height:1.18;padding-top:12px;max-height:50px;overflow:hidden}@media only screen and (min-width: 992px) and (max-width: 1279px){.section-cards-layout .card-collage .cc-details .cc-title{font-size:20px;max-height:48px}}.section-cards-layout .card-collage .cc-details .cc-subTitle{font-size:13px;line-height:1.38;font-weight:bold;padding-top:6px}@media only screen and (max-width: 992px){.section-cards-layout .card-collage .cc-details .cc-subTitle{text-align:center;font-size:1.067rem;margin-left:0.5rem;margin-right:0.5rem;max-height:100px;overflow:hidden;margin-top:11px;font-weight:normal}}.section-cards-layout .card-collage .cc-details .cc-desc{display:none}@media only screen and (max-width: 992px){.section-cards-layout .card-collage .cc-details .cc-desc{font-size:1.067rem;line-height:1.38;margin-left:0.5rem;margin-right:0.5rem;overflow:hidden;font-weight:400;max-height:100px;margin-top:11px;text-align:center;display:block}}.section-cards-layout .card-collage .cc-details .cc-date{font-size:1rem;line-height:1.25;font-weight:300}.section-cards-layout .card-collage.cc-vertical-large .cc-image{height:500px}.section-cards-layout .card-collage.cc-vertical-large .cc-image:before,.section-cards-layout .card-collage.cc-vertical-large .cc-image:after{bottom:99px}@-moz-document url-prefix(){.section-cards-layout .card-collage.cc-vertical-large .cc-image:before,.section-cards-layout .card-collage.cc-vertical-large .cc-image:after{bottom:0}}@media only screen and (max-width: 992px){.section-cards-layout .card-collage.cc-vertical-large .cc-image{height:218px;min-width:inherit}}@media only screen and (max-width: 992px){.section-cards-layout .card-collage.cc-vertical-large .cc-details .cc-title{font-size:1.25rem;text-align:center;font-weight:bold;line-height:1.2;margin-left:.72rem;margin-right:.72rem;max-height:40px}}.section-cards-layout .card-collage.cc-vertical-large .cc-details .cc-subTitle{text-align:center}@media only screen and (max-width: 992px){.section-cards-layout .card-collage.cc-vertical-large{border:0;box-shadow:0 0.125rem 0.625rem 0 rgba(0,0,0,0.2)}}.section-cards-layout .card-collage.cc-horizontal-tiny .cc-image{height:200px}.section-cards-layout .card-collage.cc-horizontal-tiny .cc-image:before,.section-cards-layout .card-collage.cc-horizontal-tiny .cc-image:after{bottom:99px}@-moz-document url-prefix(){.section-cards-layout .card-collage.cc-horizontal-tiny .cc-image:before,.section-cards-layout .card-collage.cc-horizontal-tiny .cc-image:after{bottom:0}}@media only screen and (max-width: 992px){.section-cards-layout .card-collage.cc-horizontal-tiny .cc-details .cc-title{font-size:16px;text-align:center;font-weight:bold}}.section-cards-layout .card-collage.cc-horizontal-small .cc-image{height:124px;position:relative;top:91px}@media only screen and (min-width: 601px) and (max-width: 992px){.section-cards-layout .card-collage.cc-horizontal-small .cc-image{height:218px}}.section-cards-layout .card-collage.cc-horizontal-small .cc-details{height:91px;position:relative;bottom:124px}@media only screen and (min-width: 601px) and (max-width: 992px){.section-cards-layout .card-collage.cc-horizontal-small .cc-details{bottom:218px}}.section-cards-layout .card-collage.cc-horizontal-small .cc-details .cc-title{font-size:20px;line-height:20px}.section-cards-layout .card-collage.cc-vertical-medium .cc-image{height:456px}.section-cards-layout .card-collage.cc-vertical-medium .cc-details .cc-title{font-size:20px}.section-cards-layout .card-collage.cc-vertical-small .cc-image{height:240px;max-width:380px}.section-cards-layout .card-collage.cc-vertical-small .cc-details{height:58px}.section-cards-layout .card-collage.cc-vertical-small .cc-details .cc-title{font-size:14px;font-weight:bold}.section-cards-layout .card-collage.cc-dark-strip-bottom .cc-details{background-color:#000;color:#fff;opacity:0.65;position:absolute;bottom:0px;padding-left:10px;padding-right:10px}.section-cards-layout .card-collage.cc-dark-strip-bottom .cc-details .cc-date{bottom:10px;position:absolute;right:10px}.section-cards-layout .card-collage.cc-gray-strip-top .cc-details{background-color:#e9e9e9;color:#474747;padding-left:10px;padding-right:10px}.section-cards-layout .card-collage.cc-gray-strip-top .cc-details .cc-date{bottom:10px;position:absolute}.section-cards-layout .card-collage.cc-white-strip-bottom .cc-details{opacity:0.71;background-color:#fff;color:#000;position:absolute;bottom:0px;width:100%}.section-cards-layout .card-collage.cc-white-strip-bottom .cc-details .cc-title{padding:10px 10px 0px 10px}.section-cards-layout .card-collage.cc-white-strip-bottom .cc-details .cc-subTitle{padding:10px 10px 0px 10px}.section-cards-layout .card-collage.cc-left-top-card{margin-bottom:26px}@media only screen and (max-width: 992px){.section-cards-layout .card-collage.cc-left-top-card{margin-bottom:0}}.section-cards-layout .card-collage.cc-left-bottom-card{margin-top:30px}@media only screen and (max-width: 992px){.section-cards-layout .card-collage.cc-left-bottom-card{margin:0}}.section-cards-layout .card-collage.cc-right-top-card{margin-bottom:26px}@media only screen and (max-width: 992px){.section-cards-layout .card-collage.cc-right-top-card{margin:0}}.section-cards-layout .card-collage.cc-right-bottom-card{margin-top:30px}@media only screen and (max-width: 992px){.section-cards-layout .card-collage.cc-right-bottom-card{margin:0}}.section-cards-layout .business-card-layout{position:relative}.section-cards-layout .business-card-layout .col-left-ma .bcl-outer{margin-left:0}@media only screen and (max-width: 992px){.section-cards-layout .business-card-layout .col-left-ma .bcl-outer{margin-right:0}}.section-cards-layout .business-card-layout .col-right-ma .bcl-outer{margin-right:0}@media only screen and (max-width: 992px){.section-cards-layout .business-card-layout .col-right-ma .bcl-outer{margin-left:0}}.section-cards-layout .business-card-layout .bcl-outer{margin:0 1rem 2rem 1rem}@media only screen and (max-width: 992px){.section-cards-layout .business-card-layout .bcl-outer{box-shadow:0 0.125rem 0.625rem 0 rgba(0,0,0,0.2);margin-bottom:0px}}@media only screen and (max-width: 992px){.section-cards-layout .business-card-layout .bcl-outer.business-card.in-the-news{margin-bottom:2rem}}.section-cards-layout .business-card-layout .bcl-outer.business-card.in-the-news .bcl-view.vertical .bcl-image{min-width:100%;max-width:365px}.section-cards-layout .business-card-layout .bcl-outer.business-card.in-the-news .bcl-view .bcl-title{max-height:6.5rem;height:auto}.section-cards-layout .business-card-layout .bcl-outer.business-card.in-the-news .bcl-view .bcl-desc{display:none}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .bcl-view-outer{background-color:#fff}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view:hover .bcl-title{color:#121212}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view:hover .bcl-desc{color:#848484}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .col-left-ma .bcl-view-outer{margin-left:0}@media only screen and (max-width: 992px){.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .col-left-ma .bcl-view-outer{margin:0px}}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .col-right-ma .bcl-view-outer{margin-right:0}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .bcl-category{color:#979797;line-height:3.67;font-size:12px;text-transform:uppercase}@media only screen and (max-width: 600px){.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .bcl-category{line-height:2.67}}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .bcl-title{height:46px;font-size:20px;line-height:1.1;max-height:46px;overflow:hidden}@media only screen and (max-width: 600px){.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .bcl-title{font-size:1.333rem;margin:0.067rem 1rem}}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .bcl-desc{height:60px;line-height:1.33;font-size:1rem;margin-top:20px;overflow:hidden;min-height:60px;margin-bottom:10px}@media only screen and (max-width: 600px){.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .bcl-desc{height:90px;margin-top:15px;min-height:90px;line-height:1.3rem;font-size:1.067rem;margin-bottom:10px}}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .bcl-link{float:right;font-size:13px;position:absolute;right:15px;bottom:10px}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .bcl-link a:hover{text-decoration:underline}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .bcl-details{padding:15px 15px 15px 15px}@media only screen and (max-width: 992px){.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view .bcl-details{text-align:center}}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view.horizontal{max-height:240px;margin-bottom:30px;position:relative}@media only screen and (max-width: 600px){.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view.horizontal{max-height:450px}}.section-cards-layout .business-card-layout .bcl-outer.business-card .bcl-view.horizontal .bcl-view-outer{height:240px}@media only screen and (max-width: 600px){.section-cards-layout .business-card-layout .bcl-outer.business-card 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