:root{--navy:#102d3c;--ink:#163342;--muted:#536774;--amber:#c4933e;--pale:#f1f5f5;--line:#d8e2e5;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:16px;line-height:1.6;background:white}a{color:inherit;text-decoration:none}a:hover{color:#916313}button,input,select,textarea{font:inherit}button,a,input,select,textarea{touch-action:manipulation}:focus-visible{outline:3px solid #b47f25;outline-offset:4px}h1,h2,h3,p{margin:0}h1,h2,h3{line-height:1.12;letter-spacing:-.035em}h1{font-size:clamp(44px,4.65vw,66px);font-weight:500}h2{font-size:clamp(31px,3vw,42px);font-weight:500}h3{font-size:23px;font-weight:500}.wrap{max-width:1240px;width:calc(100% - 100px);margin:auto}.eyebrow{font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:#8a651f;margin-bottom:21px}.tag{display:block;font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:#607582;font-weight:700;margin-bottom:17px}.fine{font-size:12px;color:var(--muted);line-height:1.6}.skip{position:fixed;top:-70px;background:var(--navy);color:white;padding:12px;z-index:100}.skip:focus{top:0}header{position:sticky;top:0;background:rgba(255,255,255,.98);z-index:20;border-bottom:1px solid #e9eeef}.head{height:88px;display:flex;justify-content:space-between;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:11px;white-space:nowrap;color:var(--navy);font-size:24px;letter-spacing:-.8px;line-height:1.1}.brand svg{height:39px;width:34px;color:var(--amber)}.brand span{font-weight:500}.brand b{font-weight:750}nav{display:flex;gap:26px;align-items:center}nav a{font-size:13px;letter-spacing:0;white-space:nowrap;position:relative}nav a[aria-current]{color:#8b6118}nav a[aria-current]:after{content:"";height:2px;background:var(--amber);position:absolute;bottom:-12px;left:0;right:0}.menu{display:none}.hero{position:relative;background:#f5f8f7;overflow:hidden;height:490px}.hero-image{position:absolute;right:0;width:83%;height:100%;object-fit:cover;object-position:65% 79%;mask-image:linear-gradient(90deg,transparent 0%,rgba(0,0,0,.08) 10%,#000 43%),linear-gradient(#000 88%,transparent 100%);mask-composite:intersect}.hero-inner{position:relative;height:100%;display:flex;align-items:center}.hero-copy{max-width:550px;padding-bottom:12px}.hero h1{line-height:1.02;font-weight:500;margin-bottom:25px;letter-spacing:-.055em}.hero em{color:#a57423;font-style:normal}.hero-copy>p:not(.eyebrow):not(.hero-note){font-size:17px;color:#485e68;max-width:390px;line-height:1.65}.actions{display:flex;align-items:center;gap:25px;margin-top:28px;flex-wrap:wrap}.button{display:inline-flex;gap:27px;justify-content:space-between;align-items:center;border:0;border-radius:2px;background:var(--navy);color:white;padding:14px 20px;font-size:13px;cursor:pointer;line-height:1.6;font-weight:600;text-align:left}.button:hover{background:#254b5d;color:white}.button span{font-size:17px}.text-link{display:inline-block;font-size:13px;font-weight:600}.hero .hero-note{font-size:10px;letter-spacing:.015em;color:#51646c;margin-top:27px}.jump-strip{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #ccd8db;border-bottom:1px solid #ccd8db;margin-top:0;position:relative}.jump-strip>a{padding:21px 30px 23px 0;position:relative}.jump-strip>a+a{border-left:1px solid var(--line);padding-left:28px}.jump-strip span{display:block;font-size:10px;color:#886321;letter-spacing:.11em;text-transform:uppercase;font-weight:700;margin-bottom:8px}.jump-strip strong{display:block;font-size:16px;line-height:1.4;font-weight:500;letter-spacing:-.3px}.jump-strip small{display:block;color:var(--muted);font-size:11px;margin-top:4px}.jump-strip b{position:absolute;right:18px;top:40px;font-size:19px;font-weight:400}.section{padding:78px 0}.section-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:70px;margin-bottom:38px}.section-copy{max-width:440px;color:var(--muted);font-size:15px;line-height:1.85}.chain{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}.chain article{border-top:2px solid #c5a15e;padding-top:19px}.chain span{font-size:11px;color:#897650;letter-spacing:.1em}.chain h3{font-size:18px;margin:16px 0 13px;letter-spacing:-.025em}.chain p{font-size:13px;line-height:1.8;color:var(--muted)}.inline-note{font-size:12px;margin-top:31px;color:var(--muted)}.inline-note a{color:var(--navy);font-weight:600}.pale{background:var(--pale)}.bench-rows{border-top:1px solid #c7d5d9}.bench-rows>a{display:flex;align-items:center;gap:28px;padding:24px 3px;border-bottom:1px solid #c7d5d9}.market-code{font-size:13px;border:1px solid #a8babf;display:grid;place-items:center;width:46px;height:46px;color:#52707b}.bench-rows h3{font-size:23px}.bench-rows p{font-size:13px;color:var(--muted);margin-top:5px}.pill{margin-left:auto;font-size:10px;letter-spacing:.08em;text-transform:uppercase;color:#657982}.bench-rows b{font-size:22px;font-weight:400;margin-left:25px}.bench-rows+.fine{margin-top:22px}.research-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:36px}.feature-story{background:#eaf0f0;padding:38px;display:flex;flex-direction:column;min-height:335px;border-top:3px solid #c4933e}.feature-story h3{font-size:32px;line-height:1.18;letter-spacing:-.035em}.feature-story p{font-size:14px;line-height:1.8;color:var(--muted);margin:20px 0 30px;max-width:425px}.story-bottom{font-size:10px;border-top:1px solid #c6d4d7;padding-top:19px;display:flex;justify-content:space-between;margin-top:auto}.story-bottom b{font-size:22px;font-weight:400;line-height:1}.story-stack{display:flex;flex-direction:column;gap:24px}.story-stack>a{padding:8px 0 23px;border-bottom:1px solid var(--line)}.story-stack .tag{margin-bottom:11px}.story-stack h3{font-size:25px}.story-stack p{font-size:13px;color:var(--muted);margin:10px 0 13px}.story-stack a>span:last-child{font-size:11px}.planner-banner{background:var(--navy);color:#fff;display:grid;grid-template-columns:1.05fr 1fr;gap:90px;padding:49px 54px;margin-bottom:0}.planner-banner .eyebrow{color:#e0b35f}.planner-banner h2{font-size:37px}.planner-banner>div>p:not(.eyebrow){font-size:14px;color:#bfced5;max-width:435px;margin:22px 0 28px;line-height:1.8}.amber{background:#d8ab58;color:#102d3c}.amber:hover{background:#eac37e;color:#102d3c}.cost-example>p{font-size:10px;letter-spacing:.16em;color:#b4c5cd;margin-bottom:10px}.cost-example{padding-top:9px}.cost-example>div{display:flex;justify-content:space-between;padding:17px 0;border-bottom:1px solid #3d5664;gap:20px}.cost-example span{font-size:12px;color:#c6d2d7}.cost-example b{font-size:12px;font-weight:500}.cost-example .cost-total{border:0;padding-top:21px}.cost-total b{color:#e6bb70;font-size:18px}.cost-example small{font-size:10px;color:#a6bdc8}.last .section-heading{margin-bottom:0}.last .text-link{margin-top:20px}footer{border-top:1px solid var(--line);padding:38px 0 25px;background:#f4f6f6}.foot-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:28px}.foot-top p{font-size:12px;color:var(--muted)}footer nav{flex-wrap:wrap;gap:24px}footer nav a{font-size:13px}.foot-bottom{border-top:1px solid #d5dfe2;margin-top:30px;padding-top:20px;display:flex;justify-content:space-between;gap:20px;color:#60717a;font-size:10px}footer nav a[aria-current]:after{bottom:-5px}.page-intro{padding-top:65px;padding-bottom:50px}.page-intro h1{font-size:52px;margin-bottom:25px}.lead{color:var(--muted);font-size:18px;max-width:700px;line-height:1.7}.content{padding-bottom:75px}.content h2{font-size:32px;margin-bottom:20px}.content p{margin-bottom:18px;line-height:1.85;color:#455e6c}.notice{background:#f1f5f5;border-left:3px solid var(--amber);padding:20px 24px;margin-bottom:35px;font-size:13px;line-height:1.8;color:#425b68}.table-wrap{overflow:auto}table{width:100%;border-collapse:collapse;font-size:14px}td,th{text-align:left;padding:20px;border-bottom:1px solid var(--line)}th{background:#eaf0f1;font-size:12px}tbody td:first-child{font-weight:600;white-space:nowrap}.article{padding:40px 0;border-bottom:1px solid var(--line);max-width:900px}.article p{max-width:810px;font-size:15px}.article .eyebrow{font-size:11px;color:#8a651f}.source{display:block;font-size:12px;text-decoration:underline;text-decoration-color:#b2c1c7;text-underline-offset:4px;margin:14px 0;width:fit-content}.article .button{margin-top:18px}.role-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:35px;margin-bottom:55px}.role-grid article{padding:30px;background:#f2f5f5;border-top:2px solid var(--amber)}.role-grid h2{font-size:27px}.role-grid p{font-size:14px;margin-bottom:14px}.directory{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.directory-card{border:1px solid var(--line);padding:28px;display:flex;flex-direction:column;justify-content:space-between}.directory-card p{font-size:14px;margin-top:14px}.directory-card[hidden]{display:none}label{display:block;font-size:12px;font-weight:600;color:var(--ink);margin-bottom:20px}input,select,textarea{display:block;width:100%;border:1px solid #a8bbc2;border-radius:2px;padding:11px 12px;background:white;color:#163342;margin-top:7px}input:focus,select:focus,textarea:focus{outline:2px solid #b98a38;outline-offset:1px}#directory-filter{max-width:300px;margin-bottom:15px}.planner-layout{display:grid;grid-template-columns:1.2fr 1fr;gap:50px}.fields{display:grid;grid-template-columns:repeat(2,1fr);column-gap:22px}.fields label{font-size:11px}.results{background:var(--navy);color:white;padding:35px;align-self:start}.results .eyebrow{color:#e0b35f}.results h2{font-size:52px;color:#e5b96a;letter-spacing:-.04em;margin-bottom:0}.results p{color:#c1d2da;font-size:13px}.results dl{margin:25px 0}.results dl>div{display:flex;justify-content:space-between;border-bottom:1px solid #3b5665;padding:13px 0;gap:20px;font-size:12px}.results dd{margin:0;font-weight:600;text-align:right}.results .sum{border-bottom:0;font-size:14px;padding-top:23px}.results .fine{font-size:10px;margin-top:16px;margin-bottom:0}.text-button{border:0;background:transparent;color:var(--navy);cursor:pointer;font-size:12px;text-decoration:underline;padding:8px 0}#planner-error{color:#aa2727;font-size:13px}.sensitivity{background:var(--pale);padding:30px;margin-top:45px}.sensitivity p{font-size:13px}.three-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.three-stats span{display:block;font-size:12px}.three-stats strong{font-size:28px;font-weight:500;display:block;margin-top:8px}details{border-bottom:1px solid var(--line);padding:30px 0}summary{font-size:17px;font-weight:600;cursor:pointer;margin-bottom:15px}details p{font-size:13px}.narrow{max-width:830px;margin-left:auto;margin-right:auto}.narrow h2{margin-top:35px}.narrow p{font-size:15px}.narrow form{margin-top:35px}#enquiry-status{font-size:13px;color:#255b49;margin-top:17px}
@media(min-width:1500px){.hero-image{width:80%}.hero{height:520px}.hero-copy{padding-bottom:10px}}
@media(max-width:1150px){.wrap{width:calc(100% - 64px)}nav{gap:17px}nav a{font-size:12px}.brand{font-size:22px}.head{gap:18px}.hero{height:475px}.hero-copy{max-width:485px}.hero h1{font-size:57px}.planner-banner{gap:45px;padding:40px}.section-heading{gap:40px}.jump-strip strong{font-size:14px}.jump-strip small{font-size:10px}.planner-layout{gap:28px}.results{padding:25px}}
@media(max-width:900px){.head{height:76px}.menu{display:block;background:white;border:1px solid #c5d2d8;padding:7px 10px;font-size:12px;color:var(--navy)}.menu span{margin-left:8px}header nav{display:none;position:absolute;left:0;right:0;top:75px;background:white;padding:25px 32px;box-shadow:0 8px 15px #102d3c12;align-items:flex-start;gap:20px;flex-wrap:wrap}header nav.open{display:flex}header nav a{font-size:14px}.hero{height:480px}.hero-image{width:100%;opacity:.82;object-position:75% 78%;mask-image:linear-gradient(90deg,transparent,#000 75%),linear-gradient(#000 88%,transparent);mask-composite:intersect}.hero-copy{max-width:490px}.hero h1{font-size:54px}.jump-strip>a{padding-right:17px}.jump-strip>a+a{padding-left:17px}.jump-strip b{display:none}.section-heading{align-items:flex-start}.section-copy{max-width:340px;font-size:14px}.chain{grid-template-columns:repeat(2,1fr);gap:30px}.research-grid{gap:23px}.feature-story{padding:27px}.feature-story h3{font-size:28px}.planner-banner{gap:35px;padding:34px}.planner-banner h2{font-size:31px}.planner-layout{grid-template-columns:1fr}.results{max-width:none}.fields{grid-template-columns:repeat(3,1fr)}.foot-top{gap:30px}.page-intro h1{font-size:45px}}
@media(max-width:600px){.wrap{width:calc(100% - 40px)}.head{height:72px}.brand{font-size:21px;gap:8px}.brand svg{height:33px;width:30px}header nav{top:71px;flex-direction:column;padding:25px 24px}.hero{height:auto;min-height:630px}.hero-inner{display:block;padding-top:43px}.hero .eyebrow{font-size:10px;margin-bottom:18px}.hero-copy{padding:0;position:relative}.hero h1{font-size:49px;margin-bottom:20px}.hero-copy>p:not(.eyebrow):not(.hero-note){font-size:15px;max-width:335px}.hero .actions{gap:18px;margin-top:23px}.hero .button{padding:12px 15px;font-size:11px;gap:17px}.hero .text-link{font-size:12px}.hero .hero-note{font-size:9px;margin-top:22px}.hero-image{width:100%;height:280px;top:auto;bottom:0;object-position:68% 95%;object-fit:cover;opacity:1;mask-image:linear-gradient(180deg,transparent,#000 24%,#000 88%,transparent);mask-composite:add}.jump-strip{grid-template-columns:1fr}.jump-strip>a,.jump-strip>a+a{padding:17px 34px 17px 0;border-left:0}.jump-strip>a+a{border-top:1px solid var(--line)}.jump-strip span{font-size:9px;margin-bottom:4px}.jump-strip strong{font-size:15px}.jump-strip small{font-size:11px}.jump-strip b{display:block;right:4px;top:31px}.section{padding:48px 0}.section-heading{display:block;margin-bottom:28px}.section-heading .section-copy{margin-top:25px;max-width:none}.section-heading>.text-link{margin-top:20px}.eyebrow{margin-bottom:16px;font-size:10px}.chain{gap:26px 20px}.chain h3{font-size:17px}.chain p{font-size:12px}.chain span{font-size:10px}.inline-note{font-size:11px}.bench-rows>a{gap:15px;padding:21px 0}.market-code{width:35px;height:38px;flex:none;font-size:11px}.bench-rows h3{font-size:19px}.bench-rows p{font-size:11px;max-width:240px}.bench-rows b{margin-left:auto;font-size:19px}.pill{display:none}.research-grid{grid-template-columns:1fr;gap:26px}.feature-story{min-height:0;padding:26px}.feature-story h3{font-size:28px}.feature-story p{font-size:13px;margin-bottom:23px}.story-stack h3{font-size:24px}.planner-banner{grid-template-columns:1fr;gap:30px;padding:30px 26px;width:calc(100% - 40px)}.planner-banner h2{font-size:30px}.planner-banner>div>p:not(.eyebrow){font-size:13px;margin:18px 0 23px}.cost-example{padding-top:0}.cost-example>div{padding:13px 0}.last .section-copy{margin-top:23px}.foot-top{align-items:flex-start;flex-direction:column;gap:17px;margin-bottom:23px}.foot-top p{font-size:11px}footer{padding:30px 0 23px}footer nav{gap:14px 22px}footer nav a{font-size:12px}.foot-bottom{flex-direction:column;gap:10px;font-size:9px;margin-top:24px}.page-intro{padding-top:42px;padding-bottom:32px}.page-intro h1{font-size:38px}.lead{font-size:16px}.content{padding-bottom:45px}.content h2{font-size:28px}.notice{padding:18px;font-size:12px}.role-grid,.directory{grid-template-columns:1fr;gap:20px}.role-grid article{padding:24px}.fields{grid-template-columns:repeat(2,1fr);gap:0 16px}.fields label{font-size:10px}.fields input{font-size:15px}.planner-layout{gap:28px}.results h2{font-size:49px}.results{padding:27px}.three-stats{grid-template-columns:1fr;gap:20px}.three-stats>div{padding-bottom:15px;border-bottom:1px solid var(--line)}.three-stats strong{font-size:27px}.sensitivity{padding:23px}.source{font-size:11px}td,th{padding:13px;min-width:120px}.article{padding:30px 0}.article p{font-size:14px}.narrow p{font-size:14px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
