:root{--navy:#14284b;--navy2:#22396a;--gold:#b8893b;--gold-l:#f3e7cf;--cream:#f8f5ee;--ink:#1d2433;--muted:#566079;--line:#e1e5ec;--white:#fff;--radius:14px;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;font-size:17px;line-height:1.65;color:var(--ink);background:var(--white)}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--navy2)}a:hover{color:var(--gold)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.2;margin:0 0 .55em}
h1{font-size:clamp(2rem,4.4vw,3.1rem)}h2{font-size:clamp(1.5rem,2.8vw,2rem);margin-top:1.6em}h3{font-size:1.25rem;margin-top:1.4em}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
/* placeholders the owner must fill in */
mark.ph{background:#fff36b;color:#000;font-weight:600;padding:0 .2em;border-radius:3px;outline:1px dashed #b39c00}
/* top bar + header */
.topbar{background:var(--navy);color:#dfe6f2;font-size:.85rem}
.topbar .wrap{display:flex;gap:18px;justify-content:space-between;align-items:center;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none}.topbar a:hover{color:var(--gold-l)}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px}
.logo svg{width:236px}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
nav.main a{display:block;padding:10px 12px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;border-radius:8px}
nav.main a:hover,nav.main a[aria-current=page]{color:var(--navy);background:var(--cream)}
nav.main li{position:relative}
nav.main .sub{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 12px 30px rgba(20,40,75,.12);padding:8px;min-width:270px;flex-direction:column;align-items:stretch}
nav.main li:hover>.sub,nav.main li:focus-within>.sub{display:flex}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:#fff;text-decoration:none;font-weight:700;padding:12px 20px;border-radius:999px;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:#9c722d;color:#fff}.btn.alt{background:transparent;color:var(--navy);box-shadow:inset 0 0 0 2px var(--navy)}.btn.alt:hover{background:var(--navy);color:#fff}
.btn.light{background:#fff;color:var(--navy)}.btn svg{width:18px}
.menu-toggle{display:none;background:none;border:2px solid var(--navy);border-radius:8px;padding:8px 12px;font-weight:700;color:var(--navy)}
@media (max-width:980px){.menu-toggle{display:block}nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 20px}
nav.main.open{display:block}nav.main ul{flex-direction:column;align-items:stretch}nav.main .sub{display:flex;position:static;box-shadow:none;border:0;padding:0 0 0 14px}.header-cta{display:none}}
/* hero */
.hero{background:linear-gradient(180deg,var(--cream),#fff);padding:56px 0 40px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.hero .lead{font-size:1.2rem;color:var(--muted)}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.eyebrow{display:inline-block;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:10px}
.page-hero{background:var(--navy);color:#fff;padding:48px 0 40px}
.page-hero h1{color:#fff;margin-bottom:.3em}.page-hero p{color:#dbe3f0;font-size:1.12rem;max-width:760px;margin:0}
.crumbs{font-size:.85rem;color:#b9c6dc;margin-bottom:12px}.crumbs a{color:#dbe3f0}
@media (max-width:860px){.hero .wrap{grid-template-columns:1fr}.hero-art{max-width:460px}}
/* sections */
section.band{padding:56px 0}section.band.tint{background:var(--cream)}
.grid{display:grid;gap:20px}.g3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}.g2{grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;transition:box-shadow .2s,transform .2s}
a.card{text-decoration:none;color:var(--ink);display:block}a.card:hover{box-shadow:0 14px 34px rgba(20,40,75,.12);transform:translateY(-2px)}
.card .ic{width:52px;height:52px;border-radius:12px;background:var(--gold-l);color:var(--navy);display:grid;place-items:center;margin-bottom:14px}.card .ic svg{width:30px}
.card h3{margin-top:0}.card .more{color:var(--gold);font-weight:700}
.trust{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px}
.trust div{display:flex;gap:12px;align-items:flex-start}.trust svg{width:32px;flex:none;color:var(--gold)}
/* content */
.content{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;padding:48px 20px}
.content main>*:first-child{margin-top:0}
aside .box{background:var(--cream);border-radius:var(--radius);padding:22px;margin-bottom:20px;position:sticky;top:100px}
aside .box h3{margin-top:0}
@media (max-width:900px){.content{grid-template-columns:minmax(0,1fr)}aside .box{position:static}}
ul.ticks{list-style:none;padding:0}ul.ticks li{padding-left:30px;position:relative;margin-bottom:8px}
ul.ticks li:before{content:"";position:absolute;left:4px;top:.5em;width:12px;height:7px;border-left:3px solid var(--gold);border-bottom:3px solid var(--gold);transform:rotate(-45deg)}
.table-wrap{overflow-x:auto;margin:0 0 1.4em;border:1px solid var(--line);border-radius:12px}
table{border-collapse:collapse;width:100%;font-size:.95rem;min-width:480px}
th,td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--navy);color:#fff;font-weight:600}tr:nth-child(even) td{background:#fafbfd}
.small{font-size:.88rem;color:var(--muted)}
.notice{border-left:4px solid var(--gold);background:var(--gold-l);padding:14px 18px;border-radius:0 10px 10px 0;margin:1.2em 0}
.team{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px}
.person{border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.avatar{width:84px;height:84px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;font-family:Georgia,serif;font-size:1.8rem;font-weight:700;margin-bottom:12px}
.person .role{color:var(--gold);font-weight:700;margin-bottom:6px}
.offices{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px}
.office img{border-radius:var(--radius);margin-bottom:14px}
/* form */
form.enquiry{display:grid;gap:14px}
form.enquiry label{font-weight:600;font-size:.95rem;display:block;margin-bottom:4px}
form.enquiry input,form.enquiry select,form.enquiry textarea{width:100%;padding:12px;border:1px solid #c7cfdb;border-radius:10px;font:inherit}
form.enquiry .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}@media (max-width:600px){form.enquiry .row{grid-template-columns:1fr}}
.hp{position:absolute;left:-5000px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400!important}.check input{width:auto!important;margin-top:6px}
/* cta band */
.cta-band{background:var(--navy);color:#fff;padding:44px 0}.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 .2em}.cta-band p{margin:0;color:#dbe3f0}
/* footer */
footer.site{background:#0e1d38;color:#c9d3e4;font-size:.93rem;padding-top:48px}
footer.site h3{color:#fff;font-size:1.05rem;margin-top:0}
footer.site a{color:#fff}footer.site a:hover{color:var(--gold-l)}
.fcols{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:28px}
.fcols ul{list-style:none;padding:0;margin:0}.fcols li{margin-bottom:6px}
.badge-slot{margin-top:12px;max-width:275px}
.badge-slot .ph-badge{border:2px dashed #fff36b;color:#fff36b;padding:12px;border-radius:8px;font-size:.85rem}
.reg{border-top:1px solid #253a62;margin-top:36px;padding:22px 0 30px;font-size:.82rem;color:#9fb0cb}
.reg p{margin:0 0 .7em}
.fraud{background:#1a2d52;border-radius:10px;padding:12px 16px;color:#e8edf6;margin-top:18px}

/* mobile call bar */
.callbar{display:none}
@media (max-width:860px){.callbar{display:block;position:fixed;left:0;right:0;bottom:0;z-index:50;background:var(--navy);color:#fff;text-align:center;font-weight:700;font-size:1.1rem;padding:14px 16px calc(14px + env(safe-area-inset-bottom));text-decoration:none;box-shadow:0 -2px 10px rgba(0,0,0,.2)}body{padding-bottom:60px}}
.avatar.photo{width:120px;height:120px;object-fit:cover;display:block;background:var(--cream)}
ul.downloads{list-style:none;padding:0}ul.downloads li{padding:12px 0;border-bottom:1px solid var(--line)}ul.downloads a{font-weight:700}