:root{--ink:#202725;--muted:#59645f;--paper:#fbfaf7;--white:#fff;--line:#dce1dc;--blue:#2459c4;--pale:#eef3fb;--sage:#e9eee8;--radius:16px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:30px}body{margin:0;color:var(--ink);background:var(--paper);font:16px/1.75 Arial,Helvetica,sans-serif}h1,h2,h3,p{margin:0}h1,h2,h3{line-height:1.1;letter-spacing:-.045em}h1{font-size:clamp(43px,5.3vw,77px);font-weight:500;line-height:1.02}h2{font-size:clamp(31px,3.4vw,48px);font-weight:500}h3{font-size:24px;font-weight:550}p{color:var(--muted)}p+p{margin-top:18px}a{color:inherit;text-underline-offset:5px}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,[tabindex="0"]:focus-visible{outline:3px solid var(--blue);outline-offset:4px}button,input,select{font:inherit}button,a,input,select{ -webkit-tap-highlight-color:transparent}button{cursor:pointer}.wrap{width:min(1270px,calc(100% - 80px));margin:auto}.skip{position:absolute;left:-10000px}.skip:focus{left:16px;top:16px;background:white;z-index:20;padding:12px}.header{min-height:106px;display:flex;align-items:center;gap:30px;border-bottom:1px solid var(--line)}.brand{display:flex;align-items:center;gap:13px;text-decoration:none;font-size:14px;line-height:1.35;letter-spacing:-.025em}.brand strong{display:block;font-weight:650}.brand small{display:block;font-size:10px;letter-spacing:.1em;color:var(--muted);margin-top:4px}.brand-mark{width:42px;height:43px;display:flex;align-items:end;gap:4px;flex-shrink:0;padding:9px 8px;border:1px solid var(--ink);border-radius:10px}.brand-mark i{display:block;width:6px;background:var(--ink);height:10px}.brand-mark i:nth-child(2){height:17px}.brand-mark i:nth-child(3){height:24px;background:var(--blue)}.header nav{display:flex;margin-left:auto;gap:28px;font-size:13px}.header nav a{text-decoration:none}.header nav a:hover{color:var(--blue)}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:32px;background:var(--ink);color:white;text-decoration:none;border:1px solid var(--ink);border-radius:8px;padding:16px 23px;font-size:14px;font-weight:600;line-height:1.5}.button:hover{background:var(--blue);border-color:var(--blue)}.button.small{padding:11px 17px;font-size:12px}.button.quiet{background:transparent;color:var(--ink);border-color:var(--line)}.button.quiet:hover{background:var(--pale);border-color:var(--blue)}.text-link,.inline-cta{font-size:14px;font-weight:600}.eyebrow{display:block;font-size:10px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin-bottom:23px}.mobile-menu{display:none;border-bottom:1px solid var(--line);font-size:13px}.mobile-menu summary{padding:15px 0;cursor:pointer}.mobile-menu nav{display:grid;gap:15px;padding-bottom:20px}.hero{display:grid;grid-template-columns:1.1fr .9fr;gap:80px;align-items:center;padding-top:74px;padding-bottom:76px}.hero h1 em{font-style:normal;color:var(--blue)}.hero .intro{font-size:19px;margin-top:26px;max-width:590px;line-height:1.7}.hero-actions{display:flex;align-items:center;flex-wrap:wrap;gap:24px;margin-top:32px}.proof{font-size:12px;color:var(--muted);margin-top:27px;line-height:1.65}.proof strong{color:var(--ink);display:block}.evidence-card{background:white;border:1px solid var(--line);padding:31px;border-radius:24px;box-shadow:0 20px 60px #24382d08;position:relative}.card-top{display:flex;justify-content:space-between;font-size:10px;letter-spacing:.1em;font-weight:700;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:18px}.card-top span:last-child{color:var(--blue)}.evidence-card h2{font-size:30px;margin:25px 0 22px}.evidence-card svg{display:block;width:100%;height:auto}.evidence-card .caption{font-size:11px;line-height:1.6;padding-top:21px;border-top:1px solid var(--line);margin-top:20px}.evidence-foot{display:flex;justify-content:space-between;align-items:end;margin-top:25px}.evidence-foot span{font-size:11px;color:var(--muted)}.evidence-foot strong{font-size:36px;letter-spacing:-.06em;font-weight:500}.principles{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:25px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:35px}.principles p{font-size:13px}.principles b{display:block;font-size:13px;color:var(--ink);margin-bottom:4px}.section{padding-top:82px;padding-bottom:82px}.section-head{display:grid;grid-template-columns:1.1fr .9fr;gap:100px;align-items:end;margin-bottom:43px}.section-head p{font-size:17px;max-width:450px}.decision-rows{display:grid;gap:0;border-top:1px solid var(--line)}.decision-row{display:grid;grid-template-columns:50px 1fr 1fr 34px;align-items:center;gap:30px;padding:28px 0;border-bottom:1px solid var(--line);text-decoration:none}.decision-row>span:first-child{font-size:11px;color:var(--blue)}.decision-row p{font-size:14px;max-width:480px}.decision-row .arrow{font-size:29px;font-weight:400;color:var(--blue)}.decision-row:hover h3{color:var(--blue)}.contrast{background:#eaf0f8}.split{display:grid;grid-template-columns:1fr 1fr;gap:100px;align-items:center}.split h2{margin-bottom:23px}.split p{font-size:17px}.split .button{margin-top:28px}.before-after{display:grid;grid-template-columns:1fr 1fr;background:white;border:1px solid #d4deea;border-radius:16px;overflow:hidden}.before-after>div{padding:30px}.before-after>div+div{border-left:1px solid var(--line)}.before-after span{font-size:10px;letter-spacing:.12em;color:var(--muted)}.before-after h3{font-size:23px;margin:20px 0}.before-after p{font-size:14px}.before-after .answer{font-size:35px;letter-spacing:-.06em;color:var(--blue);margin:20px 0 4px}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.card{background:white;border:1px solid var(--line);border-radius:14px;padding:28px;display:flex;flex-direction:column;align-items:start;text-decoration:none;transition:transform .18s ease,border-color .18s ease}.card:hover{transform:translateY(-3px);border-color:var(--blue)}.card .eyebrow{font-size:9px;margin-bottom:26px}.card h3{font-size:25px}.card p{font-size:14px;line-height:1.7;margin:18px 0 26px}.card .text-link{margin-top:auto;font-size:12px;color:var(--blue)}.guide-list{display:grid;grid-template-columns:1fr 1fr;gap:16px 30px;margin-top:32px}.guide-list a{font-size:15px;padding:17px 0;border-bottom:1px solid var(--line);text-decoration:none}.guide-list a:hover{color:var(--blue)}.adviser{background:var(--sage);border-radius:20px;padding:40px;display:grid;grid-template-columns:1.1fr 1fr;gap:60px}.adviser h2{font-size:35px;margin-bottom:20px}.adviser p{font-size:15px}.adviser .contact{font-size:14px;align-self:center}.adviser .contact strong{display:block;font-size:23px;letter-spacing:-.035em;margin-bottom:8px}.breadcrumb{padding-top:25px;font-size:11px;color:var(--muted)}.page-hero{max-width:950px;padding-top:54px;padding-bottom:42px}.page-hero h1{font-size:clamp(42px,5vw,68px)}.page-hero .intro{font-size:20px;max-width:780px;margin-top:23px}.page-hero .hero-actions{margin-top:26px}.quick-answer{padding:28px 32px;border-left:3px solid var(--blue);background:var(--pale);border-radius:0 12px 12px 0;margin-bottom:48px}.quick-answer .eyebrow{margin-bottom:12px}.quick-answer p{font-size:17px;max-width:1020px;color:#3a4a5b}.article-layout{display:grid;grid-template-columns:230px minmax(0,820px);gap:80px;padding-bottom:60px}.contents{position:sticky;top:25px;align-self:start}.contents .eyebrow{margin-bottom:12px}.contents a{display:block;font-size:12px;text-decoration:none;border-bottom:1px solid var(--line);padding:13px 0}.contents .button{margin-top:23px;display:flex;color:white;padding:12px;font-size:12px}.byline{font-size:11px;margin-bottom:30px}article section{margin-bottom:38px}article h2{font-size:30px;line-height:1.2;margin-bottom:20px}article p{font-size:17px;line-height:1.85}article ol,article ul{padding-left:22px}article li{margin:12px 0;color:var(--muted)}.table-scroll{max-width:100%;overflow-x:auto;margin:24px 0;background:white;border:1px solid var(--line);border-radius:10px}table{border-collapse:collapse;width:100%;font-size:14px;line-height:1.65}th,td{text-align:left;vertical-align:top;padding:16px;border-bottom:1px solid var(--line);min-width:145px}th{background:var(--sage);font-weight:600}tr:last-child td{border-bottom:0}.related{border-top:1px solid var(--line)}.related h2{margin-bottom:30px}.enquiry{background:#f0f3ee}.enquiry-grid{display:grid;grid-template-columns:1fr 1fr;gap:100px;align-items:start}.enquiry h2{font-size:clamp(35px,4vw,52px);margin-bottom:26px}.enquiry .explain{max-width:460px;font-size:17px}.enquiry ol{padding-left:20px;font-size:14px;color:var(--muted);margin-top:30px}.enquiry li{margin:12px 0}.email-link{display:inline-block;margin-top:22px;font-size:14px}.form-panel{background:white;border:1px solid var(--line);padding:32px;border-radius:18px}.form-panel h3{font-size:25px;margin-bottom:10px}.form-panel>p{font-size:13px;margin-bottom:20px}.field{margin-top:16px}.field label{display:block;font-size:12px;font-weight:600;margin-bottom:6px}.field label span{font-weight:400;color:var(--muted)}input,select{width:100%;max-width:100%;min-height:47px;border:1px solid #cbd3cb;background:white;border-radius:7px;padding:11px;font-size:14px;color:var(--ink)}input[aria-invalid="true"]{border-color:#a02d26}.field-error{display:block;font-size:12px;color:#a02d26}.submit{width:100%;margin-top:23px}.submit:disabled{opacity:.65;cursor:wait}.form-note{font-size:11px;margin-top:15px;line-height:1.7}.honey{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}.optional{font-size:12px;margin-top:17px}.optional summary{cursor:pointer}.optional .field{margin-top:12px}#form-status{font-size:13px;margin-top:12px}.success-icon{display:block;color:var(--blue);font-size:35px}.success h3{margin:15px 0}.success p{font-size:15px}.footer{padding:50px 0 25px;background:var(--paper)}.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:60px}.footer-grid h3{font-size:11px;letter-spacing:.08em;margin-bottom:15px}.footer-grid p{font-size:12px;margin-top:20px;max-width:290px}.footer-grid>div>a:not(.brand){display:block;font-size:12px;margin:8px 0;text-decoration:none}.footer-grid>div>a:hover{color:var(--blue)}.footer-bottom{border-top:1px solid var(--line);padding-top:23px;margin-top:34px;display:flex;justify-content:space-between;gap:30px;font-size:11px;color:var(--muted)}.readiness-tool{background:white;border:1px solid var(--line);padding:26px;border-radius:14px}.readiness-option{display:flex;gap:15px;align-items:start;padding:17px 0;border-bottom:1px solid var(--line);cursor:pointer}.readiness-option input{width:20px;min-height:20px;margin-top:4px;accent-color:var(--blue);flex-shrink:0}.readiness-option strong{display:block;font-size:15px}.readiness-option small{display:block;color:var(--muted);font-size:12px;margin-top:5px;line-height:1.65}.readiness-result{background:var(--pale);padding:22px;margin:25px 0;border-radius:10px}.readiness-result p{font-size:14px;margin-top:10px}.readiness-result ul{font-size:13px}.mobile-cta{display:none}[hidden],.is-hidden{display:none!important}
@media(max-width:1100px){.wrap{width:calc(100% - 48px)}.hero{gap:45px}.header nav{gap:18px;font-size:12px}.header{gap:20px}.brand{font-size:12px}.section-head,.split,.enquiry-grid{gap:55px}.article-layout{grid-template-columns:190px minmax(0,1fr);gap:40px}.cards{gap:16px}.card{padding:24px}.decision-row{grid-template-columns:30px 1fr 1fr 24px;gap:20px}.footer-grid{gap:35px}}
@media(max-width:900px){.header nav{display:none}.header>.button{margin-left:auto}.mobile-menu{display:block}.hero{grid-template-columns:1fr 1fr;gap:30px}.hero h1{font-size:48px}.evidence-card{padding:24px}.evidence-card h2{font-size:26px}.cards{grid-template-columns:1fr 1fr}.adviser{gap:35px;padding:30px}.decision-row h3{font-size:21px}.section-head{gap:35px}.article-layout{gap:30px;grid-template-columns:170px minmax(0,1fr)}}
@media(max-width:680px){.wrap{width:calc(100% - 36px)}.header{min-height:86px;gap:12px}.brand{gap:9px;font-size:11px}.brand small{font-size:8px}.brand-mark{width:36px;height:39px;padding:7px 6px;gap:3px}.header .button.small{padding:10px 12px;font-size:10px;gap:10px}.hero{grid-template-columns:1fr;padding-top:38px;padding-bottom:40px;gap:38px}.hero h1{font-size:49px}.hero .intro{font-size:18px}.eyebrow{font-size:9px;margin-bottom:20px}.hero-actions{gap:20px;margin-top:25px}.button{padding:15px 20px;font-size:13px}.evidence-card{padding:25px;border-radius:20px}.principles{grid-template-columns:1fr;gap:0;padding:8px 0}.principles p{padding:15px 0;border-bottom:1px solid var(--line)}.principles p:last-child{border:0}.section{padding-top:50px;padding-bottom:50px}.section-head,.split,.enquiry-grid{grid-template-columns:1fr;gap:28px}.section-head{margin-bottom:28px}.section-head h2{font-size:35px}.section-head p{font-size:16px}.decision-row{grid-template-columns:25px 1fr 25px;gap:14px;padding:25px 0}.decision-row h3{font-size:24px}.decision-row p{grid-column:2;grid-row:2}.decision-row .arrow{grid-column:3;grid-row:1}.before-after>div{padding:23px}.before-after h3{font-size:21px}.before-after .answer{font-size:29px}.before-after p{font-size:12px}.cards{grid-template-columns:1fr;gap:16px}.card{padding:27px}.card h3{font-size:26px}.card .eyebrow{margin-bottom:20px}.guide-list{grid-template-columns:1fr;gap:0}.guide-list a{font-size:14px}.adviser{grid-template-columns:1fr;padding:28px;gap:25px}.adviser h2{font-size:32px}.page-hero{padding-top:35px;padding-bottom:30px}.page-hero h1{font-size:43px}.page-hero .intro{font-size:18px}.quick-answer{padding:22px;margin-bottom:32px}.quick-answer p{font-size:16px}.article-layout{display:block;padding-bottom:25px}.contents{position:static;padding-bottom:30px}.contents .eyebrow{margin-bottom:6px}.contents a{font-size:12px;padding:10px 0}.contents .button{display:none}.byline{font-size:10px}article h2{font-size:28px}article p{font-size:16px}.table-scroll th,.table-scroll td{padding:12px;min-width:135px;font-size:13px}.enquiry-grid{gap:30px}.form-panel{padding:25px}.footer-grid{grid-template-columns:1fr 1fr;gap:35px}.footer-grid>div:first-child{grid-column:1/-1}.footer-bottom{display:block;padding-bottom:65px;font-size:10px}.footer-bottom span{display:block;margin-bottom:10px}.readiness-tool{padding:21px}.readiness-result{padding:19px}.mobile-cta{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:5;padding:16px 22px;justify-content:space-between;background:var(--ink);color:white;text-decoration:none;font-size:14px}.proof{font-size:11px}}
@media(max-width:370px){.header>.button{display:none}.hero h1{font-size:43px}.page-hero h1{font-size:38px}.before-after{grid-template-columns:1fr}.before-after>div+div{border-left:0;border-top:1px solid var(--line)}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

.faq-list{max-width:850px;margin-top:30px}.faq-list details{padding:20px 0;border-bottom:1px solid var(--line)}.faq-list summary{font-size:16px;font-weight:600;cursor:pointer}.faq-list p{margin-top:15px;font-size:15px}