:root{--navy:#063252;--green:#00834d;--dark-green:#006b40;--ink:#17364a;--muted:#4e6471;--paper:#f7f5ec;--line:#dae3df;--mint:#edf6ef;--white:#fff;--gold:#fbf1d8;--heading:Montserrat,Arial,sans-serif;--body:"Open Sans",Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--white);font:16px/1.65 var(--body);color:var(--ink)}
a{color:inherit}
img{display:block;max-width:100%}
button,input{font:inherit}
button{cursor:pointer}
h1,h2,h3,p,figure{margin:0}
h1,h2,h3{font-family:var(--heading);color:var(--navy);line-height:1.16}
h1{font-size:clamp(2.35rem,4.6vw,4.2rem);font-weight:800;letter-spacing:-.055em;max-width:15ch}
h2{font-size:clamp(1.8rem,3.5vw,2.8rem);letter-spacing:-.038em}
h3{font-size:1.15rem;line-height:1.3;letter-spacing:-.018em}
svg{display:inline-block;width:20px;height:20px;flex:none;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;vertical-align:middle}
.icon-defs{position:absolute;width:0;height:0;overflow:hidden}
.wrap{width:min(1152px,calc(100% - 64px));margin-inline:auto}
.section{padding-block:72px;scroll-margin-top:20px}
#home{scroll-margin-top:20px}
.skip{position:absolute;z-index:3;top:8px;left:8px;padding:10px;background:white;transform:translateY(-160%)}
.skip:focus{transform:translateY(0)}
:focus-visible{outline:3px solid #ac7524;outline-offset:4px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;overflow:hidden;clip-path:inset(50%);white-space:nowrap}
.header{border-bottom:1px solid #e8ebe4;background:white;position:relative;z-index:1}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:74px}
.brand{display:block;flex:none;margin-inline-start:-29px}
.brand img{width:252px;height:auto}
.nav{display:flex;gap:24px;align-items:center}
.nav a{text-decoration:none;font-size:.89rem;font-weight:700;white-space:nowrap}
.nav a:hover,.text-link:hover,.email-link:hover{text-decoration:underline;text-underline-offset:4px}
.nav-toggle{display:none}
.hero{background:var(--paper);padding:62px 0 58px}
.hero-grid{display:grid;grid-template-columns:1.04fr 1fr;align-items:center;gap:clamp(26px,5vw,72px)}
.eyebrow{font-size:.78rem;font-weight:800;letter-spacing:.11em;text-transform:uppercase;color:var(--dark-green);margin-bottom:12px}
.hero .eyebrow{letter-spacing:.055em;text-transform:none;font-size:.94rem}
.hero-lead{font-size:1.03rem;color:var(--muted);max-width:48ch;margin-top:18px}
.actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:25px}
.button{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:47px;padding:10px 16px;border:1px solid transparent;border-radius:9px;text-decoration:none;font-weight:700;font-size:.87rem;line-height:1.35;text-align:center}
.button svg,.text-link svg{width:17px;height:17px}
.primary{color:white;background:var(--dark-green)}
.primary:hover{background:#005633}
.secondary{color:var(--navy);border-color:#9aada4;background:white}
.secondary:hover{background:var(--mint)}
.identity{margin-top:20px;display:flex;align-items:flex-start;gap:9px;font-size:.8rem;color:#3a5565;line-height:1.45}
.identity svg{color:var(--dark-green);width:17px;height:17px}
.identity strong{color:var(--navy)}
.hero-art{overflow:hidden;border-radius:24px;border:1px solid #e4e4d6;box-shadow:0 18px 52px #24372b16;background:#ece9d8}
.hero-art img{width:100%;height:auto;aspect-ratio:4/3;object-fit:cover}
.routes{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;padding-top:22px}
.route{display:flex;align-items:center;gap:12px;padding:15px 16px;border:1px solid var(--line);border-radius:13px;background:white;text-decoration:none}
.route:hover{border-color:var(--green);background:#fbfdfa}
.route strong,.route small{display:block}
.route strong{font:750 1rem/1.3 var(--heading);color:var(--navy)}
.route small{font-size:.77rem;color:var(--muted);margin-top:2px}
.route-arrow{margin-left:auto;width:17px;height:17px;color:var(--dark-green)}
.icon-tile{display:inline-grid;place-items:center;width:43px;height:43px;border-radius:12px;background:var(--mint);color:var(--dark-green);flex:none}
.icon-tile.gold{background:var(--gold);color:#795819}
.intro{margin-top:13px;color:var(--muted);max-width:69ch}
.section-note{margin-top:10px;color:var(--muted);max-width:69ch}
.section-feature{display:grid;grid-template-columns:1.2fr .8fr;align-items:center;gap:clamp(22px,5vw,64px)}
.section-art{width:100%;border:1px solid var(--line);border-radius:16px;overflow:hidden;background:var(--paper)}
.section-art img{width:100%;height:auto;aspect-ratio:7/4;object-fit:cover}
.comparison,.insurance-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:24px}
.card{border:1px solid var(--line);border-radius:16px;background:white;padding:24px}
.card h3{margin-top:12px}
.card p{margin-top:7px;color:var(--muted)}
.timeline{display:flex;flex-wrap:wrap;gap:8px;margin-top:17px}
.timeline span{background:var(--mint);color:var(--dark-green);font-size:.77rem;font-weight:700;border-radius:5px;padding:4px 10px}
.comparison .card:nth-child(2) .timeline span{background:var(--gold);color:#65470d}
.planning-shaded{background:#f5f8f4}
.planning-art img{aspect-ratio:2/1;object-fit:contain}
.planning-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:24px}
.planning-card{display:flex;flex-direction:column;align-items:flex-start}
.planning-card p{margin-bottom:16px}
.planning-card .button{margin-top:auto}
.tool-intro{margin-bottom:18px}
.text-link,.email-link{font-size:.88rem;font-weight:700;color:var(--dark-green);text-decoration:none}
.text-link svg{margin-left:3px}
.insurance{background:#f2f7f4}
.insurance-grid .button{margin-top:17px}
.email-link{display:block;width:fit-content;margin-top:11px}
.checklist{display:grid;gap:5px;list-style:none;padding:0;margin:11px 0 0;font-size:.91rem}
.checklist li{display:flex;align-items:flex-start;gap:9px}
.checklist svg{width:16px;height:16px;color:var(--dark-green);margin-top:5px}
.calculator{margin-top:25px;display:grid;grid-template-columns:.8fr 1.2fr;border:1px solid var(--line);border-radius:18px;overflow:hidden}
.inputs,.results{padding:26px 30px}
.inputs label{display:flex;justify-content:space-between;font-weight:700;font-size:.89rem;margin-bottom:5px}
.inputs label span{font-size:.8rem;color:var(--muted)}
.inputs input{width:100%;border:1px solid #9aada4;background:white;border-radius:8px;color:var(--navy);padding:7px 10px;min-height:44px;margin-bottom:12px;font-size:1rem}
.inputs input[aria-invalid=true]{border-color:#a83c26}
.field-note,.result-note{font-size:.76rem;line-height:1.5;color:var(--muted)}
.results{background:var(--mint)}
.result-label{color:var(--dark-green);font-weight:700}
.result-value{font:800 clamp(1.7rem,4.1vw,3.05rem)/1.3 var(--heading);color:var(--navy);margin:5px 0 14px;overflow-wrap:anywhere;letter-spacing:-.038em}
.result-row{display:flex;justify-content:space-between;align-items:center;gap:8px;font-size:.84rem}
.result-row>span{display:flex;align-items:center;gap:6px}
.result-row strong{overflow-wrap:anywhere;text-align:right}
.result-row i{width:8px;height:8px;border-radius:50%;background:var(--navy);flex:none}
.result-row .growth-key{background:var(--green)}
.track{background:#dce8e0;border-radius:20px;height:8px;margin:4px 0 11px}
.bar{height:100%;border-radius:20px;width:0;background:var(--navy)}
.bar.growth{background:var(--green)}
.bar.loss,.result-row .loss{background:#a74b2c}
.result-note{margin-top:15px}
.about{background:var(--paper)}
.about-identity{display:flex;align-items:center;gap:12px;margin-top:14px}
.about-mark{display:grid;place-items:center;flex:none;width:66px;height:66px;background:white;border:1px solid var(--line);border-radius:13px}
.about-mark img{width:44px;height:44px}
.about-id{color:var(--navy)}
.contact{display:grid;grid-template-columns:1.3fr .7fr;gap:26px;align-items:start}
.contact .intro{margin-bottom:12px}
details{border-bottom:1px solid var(--line)}
summary{padding:12px 0;cursor:pointer;font-weight:700;color:var(--navy)}
details p{padding:0 0 12px 16px;color:var(--muted);font-size:.92rem}
.contact-card{display:grid;justify-items:start;gap:10px;padding:24px;border:1px solid var(--line);border-radius:15px;background:#f5f9f6}
.contact-card a:not(.button){font-size:.9rem;overflow-wrap:anywhere}
.footer{background:var(--navy);color:#edf4f8;padding:25px 0}
.footer-top{display:flex;justify-content:space-between;align-items:center;gap:15px;padding-bottom:12px;margin-bottom:9px;border-bottom:1px solid #476379}
.footer-top strong{font-family:var(--heading);font-size:1.08rem}
.footer-top nav{display:flex;flex-wrap:wrap;gap:13px;font-size:.82rem}
.footer-content p{font-size:.78rem;margin-top:5px;color:#e1ebf0}
@media(max-width:1040px){
.nav{gap:13px}
.header-inner{gap:14px}
.hero{padding:43px 0}
.routes{gap:9px}
.route{padding:11px;gap:8px}
.route .icon-tile{width:35px;height:35px}
.route-arrow{display:none}
}
@media(max-width:1020px){
.header-inner{min-height:62px}
.brand{margin-inline-start:-25px}
.brand img{width:212px}
.nav-toggle{display:grid;align-content:center;justify-items:center;gap:4px;width:45px;height:45px;border:1px solid var(--line);border-radius:9px;color:var(--navy);background:white}
.nav-toggle>span:not(.sr-only){width:17px;height:2px;border-radius:2px;background:currentColor}
.nav{display:none;position:absolute;top:100%;inset-inline:0;background:white;padding:6px 18px 13px;border-bottom:1px solid var(--line)}
.nav.open{display:grid;gap:0}
.nav a{padding:11px 0}
}
@media(max-width:680px){
.wrap{width:calc(100% - 36px)}
.hero{padding:29px 0 24px}
.hero-grid{grid-template-columns:1fr;gap:20px}
.hero .eyebrow{font-size:.85rem;margin-bottom:9px}
h1{font-size:clamp(2.12rem,8.5vw,3.45rem);max-width:16ch}
.hero-lead{font-size:.95rem;margin-top:12px}
.actions{margin-top:17px}
.identity{margin-top:13px}
.hero-art{border-radius:15px}
.hero-art img{aspect-ratio:16/10}
.routes{grid-template-columns:1fr;gap:8px;padding-top:13px}
.route{padding:9px 12px}
.route-arrow{display:block}
.section{padding-block:42px}
.section-feature{grid-template-columns:1fr;gap:16px}
.section-art img{aspect-ratio:16/10}
.planning-art img{aspect-ratio:2/1}
.comparison,.insurance-grid,.calculator,.contact,.planning-cards{grid-template-columns:1fr}
.card,.inputs,.results,.contact-card{padding:18px}
.footer-top{align-items:flex-start;flex-direction:column;gap:7px}
}
@media(max-width:385px){.actions .button{width:100%}.contact-card .button{max-width:100%}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.arn{white-space:nowrap}


.enquiry-dialog{width:min(490px,calc(100% - 32px));max-height:calc(100dvh - 32px);border:1px solid var(--line);border-radius:16px;padding:22px;color:var(--ink);box-shadow:0 18px 44px #06325235}
.enquiry-dialog::backdrop{background:#06325285}
.enquiry-form h2{font-size:1.4rem}
.enquiry-form p{margin:8px 0 13px;color:var(--muted);font-size:.9rem}
.enquiry-form label{display:block;margin:10px 0 4px;font-size:.85rem;font-weight:700}
.enquiry-form select,.enquiry-form textarea{width:100%;border:1px solid #9aada4;border-radius:8px;padding:8px;color:var(--navy);background:white;font:inherit}
.enquiry-form textarea{resize:vertical}
.enquiry-form .actions{margin-top:15px}


.section-home{margin-top:20px}
.section-home a{min-height:44px}
.hero>.section-home,.retirement-hero>.section-home,.insurance>.section-home,.about>.section-home,.tool-shaded>.section-home{width:min(1152px,calc(100% - 64px));margin-inline:auto}
.contact>.section-home{grid-column:1/-1}
.mf-explainer,.cover-estimator{margin-top:36px;scroll-margin-top:20px}
.mf-explainer h3,.cover-estimator h3{font-size:clamp(1.35rem,2.5vw,2rem)}
.mf-explainer h4,.insurance-grid h4{color:var(--navy);margin:0;font-family:var(--heading)}
.insurance-grid h4{margin-top:14px}
.ic-candidates{margin:7px 0 0;padding-left:20px;font-size:.9rem;color:var(--muted)}
.ic-candidates li+li{margin-top:4px}
@media(max-width:680px){.hero>.section-home,.retirement-hero>.section-home,.insurance>.section-home,.about>.section-home,.tool-shaded>.section-home{width:calc(100% - 36px)}}