:root{--navy:#031737;--ink:#10213a;--muted:#586577;--silver:#b8c4cd;--line:#dbe1e7;--pale:#f3f5f7}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:115px}body{margin:0;background:#fff;color:var(--ink);font:16px/1.65 Arial,Helvetica,sans-serif}a{color:inherit;text-decoration:none}a:focus-visible{outline:3px solid #588cd5;outline-offset:6px}img{display:block;max-width:100%}.skip{position:absolute;top:-100px;background:white;padding:10px;z-index:5}.skip:focus{top:10px}.topline{background:var(--navy);color:#d6dee8;display:flex;justify-content:space-between;padding:8px 6%;font-size:12px;letter-spacing:.04em}header{padding:10px 6%;display:flex;align-items:center;justify-content:space-between;background:#fff;gap:24px}.brand{width:240px;height:108px;overflow:hidden;display:flex;align-items:center}.brand img{width:240px}nav{display:flex;gap:30px;align-items:center;font-size:14px}nav>a:not(.button):hover{color:#587696}.button{display:inline-flex;align-items:center;justify-content:center;gap:26px;background:var(--navy);color:#fff;padding:16px 23px;font-size:14px;font-weight:600;border:1px solid transparent;transition:background .2s}.button:hover{background:#24466a}.button.small{padding:11px 24px}.button.light{background:#fff;color:var(--navy)}.button.light:hover{background:#dbe4ec}.hero{display:grid;grid-template-columns:1.05fr 1fr;background:var(--navy);color:#fff;min-height:570px}.hero-copy{padding:65px 9% 40px 11.5%;align-self:center}.eyebrow{font-size:12px;font-weight:600;letter-spacing:.17em;margin:0 0 24px}.hero .eyebrow{color:#b8c8db}h1,h2,h3,p{margin-top:0}h1,h2{font-family:Georgia,'Times New Roman',serif;font-weight:400;line-height:1.13;letter-spacing:-.035em}h1{font-size:clamp(42px,4.35vw,72px);margin-bottom:24px}h1 em{font-weight:400;color:#bac8d6}h2{font-size:clamp(36px,3.4vw,52px);margin-bottom:25px}h3{font-family:Georgia,serif;font-size:25px;font-weight:400;line-height:1.25}.intro{color:#d2dbe5;max-width:450px;font-size:17px}.actions{display:flex;gap:24px;align-items:center;flex-wrap:wrap;margin:32px 0 42px}.text-link{font-size:14px;border-bottom:1px solid #8998aa;padding-bottom:5px}.hero-agent{border-top:1px solid #43516a;padding-top:24px;display:flex;flex-direction:column;font-size:14px;gap:3px}.hero-agent span{font-size:13px;color:#becad9}.hero-photo{position:relative;min-height:570px}.hero-photo>img{width:100%;height:100%;position:absolute;object-fit:cover;object-position:52% center}.hero-photo:after{content:'';position:absolute;inset:50% 0 0;background:linear-gradient(transparent,rgba(3,23,55,.76))}.photo-note{position:absolute;z-index:1;bottom:38px;left:38px;font:italic 30px Georgia,serif}.photo-note span{display:block;font:13px Arial,sans-serif;margin-top:12px;letter-spacing:.06em}.credential-strip{display:flex;justify-content:space-between;gap:15px;background:var(--pale);padding:21px 6%;font-size:12px;color:#43536a;letter-spacing:.02em}.section{padding:90px 6%;max-width:1600px;margin:auto}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:50px;margin-bottom:40px}.section-heading h2{margin-bottom:0}.section-heading>p{max-width:320px;color:var(--muted);margin:0}.services{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.services>a{padding:30px 25px 25px;border-right:1px solid var(--line);transition:background .2s;display:flex;flex-direction:column}.services>a:first-child{padding-left:0}.services>a:last-child{border:0}.services>a:hover{background:var(--pale)}.number{color:#697b90;font-size:13px;margin-bottom:32px}.services h3{margin-bottom:16px}.services p{font-size:15px;color:var(--muted);margin-bottom:30px}.service-link{font-size:13px;font-weight:bold;display:flex;justify-content:space-between;margin-top:auto;gap:12px}.about{display:grid;grid-template-columns:1fr 1fr;gap:8%;align-items:center;padding-top:30px}.brand-panel{background:#011333;padding:30px 0;display:flex;align-items:center;min-height:370px}.brand-panel img{width:100%}.about-lead{font-family:Georgia,serif;font-size:24px;line-height:1.4}.about p:not(.eyebrow):not(.about-lead){color:var(--muted)}.signature{font:italic 28px Georgia,serif;margin-top:30px}.licence{font-size:12px;margin-top:8px}.dark{display:inline-block;margin-top:12px}.process{background:var(--pale);max-width:none}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:50px;margin-top:45px}.steps article{border-top:1px solid #bac6d2;padding-top:24px}.steps span{font-size:12px;letter-spacing:.1em;color:var(--muted)}.steps h3{margin:25px 0 14px}.steps p{color:var(--muted);font-size:15px;max-width:330px}.contact{background:var(--navy);color:#fff;padding:80px 6%;display:grid;grid-template-columns:1fr 1fr;gap:8%;align-items:center}.contact .eyebrow{color:var(--silver)}.contact h2{font-size:clamp(34px,3.3vw,50px)}.contact p{color:#bdcada}.contact-options>a{position:relative;display:block;padding:22px 35px 22px 0;border-bottom:1px solid #43516a}.contact-options span{display:block;font-size:12px;letter-spacing:.15em;color:var(--silver)}.contact-options strong{font-size:clamp(15px,1.55vw,23px);font-weight:400;overflow-wrap:anywhere}.contact-options b{position:absolute;right:0;top:40px}.contact-options p{font-size:12px;margin-top:22px;max-width:440px}footer{padding:42px 6%;display:flex;justify-content:space-between;gap:35px;font-size:12px;color:var(--muted)}footer strong{font-size:14px;color:var(--ink)}footer p{margin:9px 0}.footer-end{text-align:right}footer a{text-decoration:underline}@media(min-width:1700px){.hero-copy{padding-left:15%}}@media(max-width:1000px){nav{gap:18px}.brand{width:200px}.brand img{width:200px}.hero-copy{padding:45px 8%}.hero{min-height:540px}.hero-photo{min-height:540px}.services{grid-template-columns:repeat(2,1fr)}.services>a:nth-child(2){border-right:0}.services>a:nth-child(3){padding-left:0;border-top:1px solid var(--line)}.services>a:nth-child(4){border-top:1px solid var(--line)}.about{gap:5%}.brand-panel{min-height:280px}.contact{gap:5%}}@media(max-width:700px){html{scroll-padding-top:20px}.topline{justify-content:center;font-size:11px}.topline span{display:none}header{padding:4px 5%;gap:10px}.brand{width:175px;height:96px}.brand img{width:175px}nav>a:not(.button){display:none}nav .button.small{padding:10px 18px}.hero{grid-template-columns:1fr}.hero-copy{padding:42px 6%}.hero h1{font-size:46px}.eyebrow{font-size:11px}.intro{font-size:16px}.actions{gap:20px;margin:27px 0 30px}.hero-photo{min-height:340px}.photo-note{left:6%;bottom:25px;font-size:26px}.credential-strip{flex-wrap:wrap;justify-content:center;text-align:center;gap:7px 20px;font-size:11px;padding:18px 5%}.section{padding:58px 6%}.section-heading{display:block;margin-bottom:28px}.section-heading>p{margin-top:20px}.services>a{padding:25px 15px}.services h3{font-size:23px}.services p{font-size:14px}.number{margin-bottom:20px}.service-link{font-size:12px}.about{grid-template-columns:1fr;gap:36px;padding-top:0}.brand-panel{min-height:0;padding:0}.about-lead{font-size:22px}.steps{grid-template-columns:1fr;gap:18px;margin-top:30px}.steps h3{margin-top:15px}.steps p{max-width:none}.contact{grid-template-columns:1fr;padding:55px 6%;gap:18px}.contact h2{font-size:38px}.contact-options strong{font-size:18px}footer{flex-wrap:wrap;padding:35px 6%;gap:22px}.footer-end{text-align:left;width:100%}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

.faqs{padding-top:20px}.faqs details{border-bottom:1px solid var(--line);padding:20px 0;max-width:850px}.faqs summary{cursor:pointer;font-size:18px;font-weight:600}.faqs details p{color:var(--muted);margin:16px 0 0;max-width:700px}.faqs summary:focus-visible{outline:3px solid #588cd5;outline-offset:6px}

.calculator-section{padding-top:30px}.calculator-frame{border:1px solid var(--line);background:#fff;width:100%;overflow:hidden}.calculator-frame iframe{display:block;border:0;width:100%;height:650px}.calculator-note{font-size:14px;color:var(--muted);margin:18px 0 0}.calculator-note a{text-decoration:underline;text-underline-offset:3px}@media(max-width:700px){.calculator-frame iframe{height:900px}}

.calculator-list{display:grid;gap:16px}.calculator-tool{border:1px solid var(--line);background:white}.calculator-tool summary{list-style:none;cursor:pointer;padding:22px 25px;display:flex;justify-content:space-between;gap:20px;align-items:center}.calculator-tool summary::-webkit-details-marker{display:none}.calculator-tool summary strong{display:block;font:26px/1.25 Georgia,serif}.calculator-tool summary small{display:block;font-size:14px;color:var(--muted);margin-top:7px}.calculator-toggle:before{content:'+';font-size:28px}.calculator-tool[open] .calculator-toggle:before{content:'−'}.calculator-tool[open] summary{background:var(--pale)}.calculator-tool summary:focus-visible{outline:3px solid #588cd5;outline-offset:3px}.calculator-tool .calculator-frame{border-width:1px 0}.calculator-tool>.calculator-note{padding:0 25px 20px}.calculator-tool:not([open]) .calculator-frame{display:none}@media(max-width:700px){.calculator-tool summary{padding:20px 16px}.calculator-tool summary strong{font-size:23px}nav a[href="#calculators"]{display:inline;font-size:12px}nav{gap:12px}.brand{width:145px}.brand img{width:145px}nav .button.small{padding:9px 12px}}

.adam-portrait{margin:0;align-self:start;border:1px solid var(--line);background:var(--navy)}.adam-portrait img{display:block;width:100%;height:auto}.adam-portrait figcaption{padding:22px 25px;color:white}.adam-portrait figcaption strong{display:block;font:26px/1.3 Georgia,serif}.adam-portrait figcaption span{display:block;margin-top:6px;font-size:14px;color:#bdcada}@media(max-width:700px){.adam-portrait{max-width:480px;width:100%;margin-inline:auto}}
