:root{--ink:#123f43;--petrol:#14565b;--cream:#faf7f1;--apricot:#e9ad8c;--muted:#536567;--line:#d7dfdc}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:var(--cream);color:var(--ink);font-family:Segoe UI,Arial,sans-serif;font-size:17px;line-height:1.65}a{color:inherit;text-decoration:none}button,input,textarea{font:inherit}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:3px solid #a04f24;outline-offset:5px}.skip{position:absolute;top:-100px;left:20px;background:var(--petrol);color:white;padding:12px;z-index:20}.skip:focus{top:10px}header{display:flex;align-items:center;justify-content:space-between;gap:24px;max-width:1360px;margin:auto;padding:24px 5%;min-height:100px}.brand{display:flex;align-items:center;gap:12px;line-height:1.15;flex-shrink:0}.brand img{object-fit:cover;mix-blend-mode:multiply}.brand span{font-size:25px;font-weight:750;letter-spacing:-1px}.brand small{display:block;font-size:13px;font-weight:400;letter-spacing:1px;margin-top:6px}nav{display:flex;align-items:center;gap:26px;font-size:14px;font-weight:600}nav a:hover,.text-link:hover{color:#9c4e28}.nav-cta{border:1px solid var(--petrol);border-radius:5px;padding:10px 18px}.menu{display:none}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.12;letter-spacing:-.045em}h1{font-size:clamp(40px,4.2vw,65px);font-weight:650;margin-bottom:26px}h2{font-size:clamp(32px,3vw,45px);font-weight:600;margin-bottom:24px}h3{font-size:25px;font-weight:600;letter-spacing:-.025em}em{font-style:normal;color:var(--petrol)}.eyebrow{font-size:12px;font-weight:750;letter-spacing:.16em;margin-bottom:24px;line-height:1.6}.lead{font-size:20px;line-height:1.65;color:var(--muted)}.hero{max-width:1360px;margin:auto;display:grid;grid-template-columns:1.12fr 1fr;padding:35px 5% 65px;gap:65px;align-items:center}.hero-copy{padding:20px 0}.hero-photo{position:relative}.hero-photo>img{width:100%;height:650px;object-fit:cover;object-position:center 25%;border-radius:8px 8px 90px 8px;display:block}.photo-note{position:absolute;bottom:35px;left:-25px;background:var(--petrol);color:white;padding:22px 28px;border-radius:5px;font-size:17px}.button{display:inline-block;background:var(--petrol);color:white;border:none;border-radius:5px;padding:16px 23px;font-size:15px;font-weight:650;cursor:pointer;line-height:1.5}.button:hover{background:#0b4146}.small{font-size:13px;color:var(--muted);margin-top:16px}.hero-signature{border-top:1px solid var(--line);padding-top:23px;margin-top:36px;display:flex;flex-direction:column;font-size:14px}.hero-signature strong{font-size:18px}.section{max-width:1240px;margin:auto;padding:90px 30px}.section-heading{max-width:660px;margin-bottom:40px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:23px}.card{background:white;border:1px solid var(--line);padding:32px;border-radius:7px;display:flex;flex-direction:column;transition:transform .2s}.card:hover{transform:translateY(-4px)}.card p{color:var(--muted);font-size:16px}.text-link{font-weight:650;font-size:15px;border-bottom:1px solid currentColor;align-self:flex-start;margin-top:auto;padding-bottom:4px}.feature{background:var(--petrol);color:white;padding:85px max(30px,calc((100vw - 1180px)/2));display:grid;grid-template-columns:1fr 1fr;gap:75px}.feature em{color:var(--apricot)}.feature .lead{color:white}.feature p{color:#dce8e6}.feature .eyebrow{color:var(--apricot)}.light{background:var(--cream);color:var(--petrol)}.light:hover{background:var(--apricot)}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:45px;margin-top:50px}.steps article{border-top:1px solid #9dafac;padding-top:24px}.steps p{font-size:16px;color:var(--muted)}.about{display:grid;grid-template-columns:.85fr 1.15fr;gap:75px;align-items:center}.about>img{width:100%;height:510px;object-fit:cover;object-position:center 30%;border-radius:7px 65px 7px 7px}.about p{color:var(--muted)}.business{display:grid;grid-template-columns:1fr 1fr;gap:70px;border-top:1px solid var(--line)}.end{text-align:center;background:#eeeae1;max-width:none}.end p{max-width:600px;margin:0 auto 25px}.end .eyebrow{margin-bottom:25px}.page-intro{max-width:900px;padding:85px 30px 35px;margin:auto;text-align:center}.page-intro h1{font-size:clamp(38px,5vw,62px)}.detail-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:45px}.detail-grid article{border-top:1px solid var(--line);padding-top:25px}.detail-grid h2{font-size:29px}.detail-grid p{color:var(--muted)}.biography{align-items:start}.biography h1{font-size:46px}.biography>img{height:620px;position:sticky;top:30px}.contact-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:85px;padding-top:35px}.notice{background:#eee8dc;padding:18px 20px;border-left:3px solid #a45c32;font-size:14px;margin:24px 0;color:#394d4f}label{display:block;font-size:15px;font-weight:600;margin:18px 0 7px}input,textarea{width:100%;padding:12px;background:white;border:1px solid #9eafac;border-radius:4px;color:var(--ink);min-width:0}textarea{resize:vertical}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}form .button{margin-top:25px}#form-status{font-size:15px;margin-top:20px}.contact-grid aside{background:white;padding:30px;border-radius:8px;align-self:start}.contact-grid aside img{width:100%;height:250px;object-fit:cover;object-position:center 25%;border-radius:4px;margin-bottom:25px}.contact-grid aside h2{font-size:27px}.contact-grid aside a{display:block;text-decoration:underline;overflow-wrap:anywhere}.legal{max-width:850px}.legal h2{font-size:25px;margin-top:35px}footer{background:#103c40;color:#e4efed;padding:55px max(30px,calc((100vw - 1180px)/2)) 25px;font-size:14px}.footer-grid{display:grid;grid-template-columns:1.2fr 1fr .65fr;gap:60px}.footer-grid strong{font-size:27px}.footer-grid a{display:block;margin-bottom:7px}.footer-grid p{margin-top:15px;color:#c4d8d5}.footer-bottom{display:flex;justify-content:space-between;gap:20px;border-top:1px solid #496b6d;padding-top:25px;margin-top:35px;font-size:12px}.footer-bottom div{display:flex;gap:25px}@media(max-width:1050px){header{padding:22px 30px}nav{gap:16px}.hero{gap:35px;padding:25px 30px 55px}.hero-photo>img{height:580px}.brand span{font-size:22px}.about{gap:40px}.contact-grid{gap:40px}}@media(max-width:850px){.menu{display:block;border:1px solid var(--petrol);background:transparent;color:var(--petrol);padding:8px 15px;border-radius:4px}header{position:relative;flex-wrap:wrap}nav{display:none;width:100%;flex-direction:column;align-items:stretch;padding:15px 0}nav.open{display:flex}nav a{padding:10px}.hero{gap:25px;grid-template-columns:1fr 1fr}h1{font-size:42px}.hero-photo>img{height:540px}.photo-note{left:10px;bottom:20px;padding:15px;font-size:14px}.lead{font-size:18px}.cards{gap:15px}.card{padding:22px}.card h3{font-size:22px}.feature{gap:35px}.section{padding:65px 25px}.steps{gap:25px}.detail-grid{grid-template-columns:1fr}.biography{grid-template-columns:1fr 1.2fr}.biography h1{font-size:36px}.biography>img{height:450px}}@media(max-width:600px){header{padding:20px}.hero{grid-template-columns:1fr;padding:20px 20px 45px;gap:25px}.hero-copy{padding:10px 0}.hero h1{font-size:43px}.hero-photo>img{height:430px;object-position:center 23%;border-bottom-right-radius:60px}.hero-signature{margin-top:25px}.hero .button{width:100%;text-align:center}.cards,.steps,.feature,.about,.business,.contact-grid,.footer-grid{grid-template-columns:1fr}.feature{padding:55px 25px;gap:20px}.section{padding:55px 22px}.cards{gap:16px}.card{padding:28px}.steps{gap:20px;margin-top:30px}.about{gap:30px}.about>img{height:390px}.business{gap:15px}.footer-grid{gap:25px}.footer-bottom{flex-wrap:wrap;font-size:12px}.page-intro{padding:55px 22px 20px}.page-intro h1{font-size:40px}.biography>img{position:static;height:420px}.biography h1{font-size:36px}.contact-grid{gap:35px}.form-row{grid-template-columns:1fr}h2{font-size:33px}.eyebrow{font-size:12px}.end .button{max-width:100%}}
.hero-copy,.hero-photo{min-width:0}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.card{transition:none}}
html{-webkit-hyphens:none;hyphens:none}h1,h2,h3{overflow-wrap:normal;word-break:normal;-webkit-hyphens:none;hyphens:none}.biography .seal{width:140px;height:auto;object-fit:contain;margin-top:18px}

.investment{padding-top:60px}.calculator{display:grid;grid-template-columns:.9fr 1.1fr;background:white;border:1px solid var(--line);border-radius:10px;overflow:hidden}.calculator[hidden]{display:none}.calc-controls{padding:38px;background:#f0eee6}.calc-control{margin-bottom:30px}.calc-control label{margin:0;font-size:16px}.calc-control output{display:block;font-size:30px;font-weight:650;letter-spacing:-.025em;margin:7px 0 15px}.calc-control input[type=range]{width:100%;height:26px;padding:0;border:0;background:transparent;accent-color:var(--petrol);cursor:pointer;-webkit-appearance:none;appearance:none}.calc-control input::-webkit-slider-runnable-track{height:6px;border-radius:5px;background:linear-gradient(to right,var(--petrol) var(--range-fill),#c5d2ce var(--range-fill))}.calc-control input::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;margin-top:-9px;background:var(--petrol);border:3px solid white;border-radius:50%;box-shadow:0 0 0 1px var(--petrol)}.calc-control input::-moz-range-track{height:6px;background:#c5d2ce;border-radius:5px}.calc-control input::-moz-range-progress{height:6px;background:var(--petrol)}.calc-control input::-moz-range-thumb{width:20px;height:20px;background:var(--petrol);border:3px solid white;border-radius:50%}.range-limits{display:flex;justify-content:space-between;font-size:13px;color:var(--muted)}.calc-assumption{font-size:14px;color:var(--muted);margin-bottom:0}.calc-assumption strong{color:var(--petrol);font-size:20px}.calc-result{padding:38px;align-self:center;min-width:0}.calc-result .eyebrow{margin-bottom:10px}.calc-result>output{display:block;font-size:clamp(36px,5vw,65px);font-weight:650;letter-spacing:-.04em;line-height:1.2;margin-bottom:26px;white-space:nowrap}.calc-breakdown{display:grid;gap:15px;font-size:14px}.calc-breakdown>div{display:grid;grid-template-columns:10px 1fr;gap:0 9px;align-items:center}.calc-breakdown strong{grid-column:2;font-size:23px}.legend{height:10px;width:10px;border-radius:2px}.invested{background:var(--apricot)}.growth{background:var(--petrol)}.calc-summary{font-size:14px;color:var(--muted);margin:20px 0 0}.calc-chart{grid-column:1/-1;margin:0;padding:20px 30px 25px;border-top:1px solid var(--line);min-width:0}.calc-chart svg{width:100%;height:auto;display:block}.calc-chart figcaption{font-size:13px;color:var(--muted);margin-top:10px}.calc-disclaimer{font-size:14px;color:var(--muted);margin-top:24px;border-left:3px solid var(--apricot);padding:2px 0 2px 18px}.calc-disclaimer p{margin:8px 0 0}.calc-disclaimer strong{color:var(--ink)}@media(max-width:600px){.calculator{grid-template-columns:1fr}.calc-controls,.calc-result{padding:25px}.calc-result>output{font-size:clamp(32px,9vw,48px)}.calc-chart{padding:15px 10px 20px}.calc-chart figcaption{padding:0 15px}.investment{padding-top:35px}}


.calc-disclaimer summary{cursor:pointer;color:var(--ink)}.calc-disclaimer summary span{display:block;font-size:13px;color:var(--muted);margin:3px 0 0 18px}.calc-disclaimer summary:focus-visible{outline:2px solid var(--petrol);outline-offset:5px;border-radius:2px}.calc-disclaimer[open] summary{margin-bottom:12px}

.calc-rate{margin-top:18px;font-size:14px}.calc-rate summary{cursor:pointer;font-weight:600}.calc-rate .calc-control{margin:20px 0 0}.calc-rate summary:focus-visible{outline:2px solid var(--petrol);outline-offset:5px}

.pension-chart{grid-column:1/-1;margin:0;padding:30px 38px;border-top:1px solid var(--line)}.pension-bar{display:flex;height:28px;overflow:hidden;border-radius:6px;background:#f0eee6}.pension-bar span:first-child{background:var(--petrol)}.pension-bar span:last-child{background:var(--apricot)}.pension-chart figcaption{display:flex;flex-wrap:wrap;gap:18px 35px;margin-top:16px;font-size:14px;color:var(--muted)}.pension-chart figcaption>span{display:grid;grid-template-columns:10px 1fr;gap:2px 9px;align-items:center}.pension-chart i{display:block}.pension-chart strong{grid-column:2;color:var(--ink);font-size:20px}@media(max-width:600px){.pension-chart{padding:25px}}

#pension-calculator .calc-breakdown>div{display:block}#pension-calculator .calc-breakdown strong{display:block;margin-top:5px}

nav{gap:16px}nav a{white-space:nowrap}.hero-general{font-size:17px;line-height:1.65;margin-bottom:18px}
@media(max-width:1500px){.menu{display:block;border:1px solid var(--petrol);background:transparent;color:var(--petrol);padding:8px 15px;border-radius:4px}header{position:relative;flex-wrap:wrap}nav{display:none;width:100%;flex-direction:column;align-items:stretch;padding:15px 0;gap:6px}nav.open{display:flex}nav a{padding:10px;white-space:normal}}
.section.investment{padding-bottom:24px}.investment+.section.detail-grid{padding-top:24px}.investment .home-cta{margin:16px 0 0}

.women-quiz,.women-check{background:white;border:1px solid var(--line);border-radius:10px;padding:32px}.women-check{margin-top:24px}.quiz-options,.check-options{display:flex;flex-wrap:wrap;gap:12px}.quiz-options button{font:inherit;font-size:24px;font-weight:650;color:var(--petrol);background:var(--cream);border:1px solid var(--petrol);border-radius:5px;padding:14px 30px;cursor:pointer}.quiz-options button[aria-pressed=true]{background:var(--petrol);color:white}#gap-reveal{margin-top:26px}.gap-number{font-size:clamp(40px,6vw,64px);font-weight:650;line-height:1.2;margin-bottom:12px}.gap-comparison{margin:24px 0}.gap-comparison>div{margin-bottom:18px}.gap-track{height:24px;background:#f0eee6;border-radius:4px;margin-top:6px;overflow:hidden}.gap-track span{display:block;height:100%;background:var(--petrol)}.gap-track .gap-women{background:#b66a42}.gap-comparison figcaption{font-size:14px;color:var(--muted)}.source-link{text-decoration:underline}.women-check fieldset{border:0;border-top:1px solid var(--line);padding:22px 0;margin:24px 0 0;min-width:0}.women-check legend{font-size:17px;font-weight:600;padding:0 12px 0 0}.check-options label{display:flex;align-items:center;gap:9px;margin:0;border:1px solid var(--line);border-radius:5px;padding:12px 16px;cursor:pointer}.check-options input{width:18px;height:18px;margin:0;accent-color:var(--petrol)}.check-options label:has(input:checked){background:#eef5f3;border-color:var(--petrol)}#women-next{margin-top:24px;padding:24px;background:var(--cream);border-radius:6px}#women-next li{margin-bottom:12px}#women-next ul{padding-left:22px}.women-check .small{font-size:14px}@media(max-width:600px){.women-quiz,.women-check{padding:24px}.quiz-options button{flex:1;padding:12px 16px}.check-options{gap:8px}.check-options label{padding:10px 12px}#women-next{padding:18px}}

#business-months{white-space:normal;overflow-wrap:normal;font-size:clamp(32px,4vw,56px)}

.insurance-faq{padding-top:24px;padding-bottom:40px}.insurance-faq details{border-top:1px solid var(--line);padding:20px 0}.insurance-faq details:last-child{border-bottom:1px solid var(--line)}.insurance-faq summary{font-size:18px;font-weight:600;cursor:pointer;line-height:1.5}.insurance-faq summary:focus-visible{outline:3px solid #a04f24;outline-offset:5px}.insurance-faq details p{max-width:900px;color:var(--muted);margin:16px 0 0}

#traffic-consent strong{font-size:19px}#traffic-consent p{font-size:14px;line-height:1.5;margin:12px 0}#traffic-consent .consent-choice{background:transparent;color:#15585e;border:1px solid #15585e;padding:12px 16px;flex:1;font-size:14px}#traffic-consent .consent-choice:hover{background:#e7eeeb}#traffic-consent a{text-decoration:underline}@media(max-width:400px){#traffic-consent{padding:16px!important;left:12px!important;right:12px!important;bottom:12px!important}}

.hero-signature{display:grid;grid-template-columns:55px minmax(0,1fr);gap:16px;align-items:center}.hero-signature .qualification-seal{width:55px;height:auto;display:block;object-fit:contain}.hero-signature>div{display:flex;flex-direction:column;gap:5px}@media(max-width:600px){.hero-signature{grid-template-columns:55px minmax(0,1fr);gap:14px}.hero-signature .qualification-seal{width:55px}}
.qualification-intro{max-width:470px;margin:32px auto 0;text-align:left}

.direct-contact{padding-bottom:26px;margin-bottom:30px;border-bottom:1px solid var(--line)}.contact-actions{display:flex;gap:12px;flex-wrap:wrap;margin:20px 0}.contact-actions .button{flex:1;text-align:center;margin-top:0}.contact-secondary{background:transparent;color:var(--petrol);border:1px solid var(--petrol)}.contact-secondary:hover{background:#e6eeeb}.contact-actions .button{min-width:170px}@media(max-width:400px){.contact-actions{flex-direction:column}}

.stats-footer{font-size:11px;opacity:.75}.stats-footer:hover,.stats-footer:focus-visible{opacity:1}