:root{--navy:#182637;--ink:#243247;--muted:#566476;--gold:#cbb788;--line:#dbe1e8;--soft:#f3f5f7}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:24px}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.75;background:#fff}a{color:#3c5574;text-underline-offset:4px}a:hover{text-decoration-thickness:2px}a:focus-visible,summary:focus-visible{outline:3px solid #947b45;outline-offset:5px}img{max-width:100%;height:auto}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.25;letter-spacing:-.025em;color:var(--navy)}h1{font-size:46px;font-weight:700;margin-bottom:24px}h2{font-size:30px;margin-bottom:18px}h3{font-size:22px;margin-bottom:14px}p{margin-bottom:20px}ul{padding-left:22px;margin:0 0 24px}li{margin-bottom:10px}li::marker{color:#947b45}.wrap{width:min(1170px,calc(100% - 48px));margin:auto}.skip{position:absolute;left:24px;top:-100px;background:#fff;padding:12px;z-index:20}.skip:focus{top:10px}.site-header{background:var(--navy);border-bottom:1px solid #3b4c60;color:#fff}.header-row{display:flex;gap:28px;align-items:center;justify-content:space-between;padding:24px 0}.brand{color:#fff;text-decoration:none;font-size:22px;letter-spacing:.06em;font-weight:700;line-height:1.1;flex:none}.brand small{display:block;font-size:12px;font-weight:400;letter-spacing:.025em;margin-top:8px;color:#d5dfe9}.header-tools{display:flex;gap:22px;align-items:center}.header-tools a{color:#fff;font-size:14px}.phone{font-weight:700;white-space:nowrap}.nav-row{display:flex;gap:28px;flex-wrap:wrap;align-items:center;padding:0 0 20px}.nav-row a{color:#fff;font-size:14px;text-decoration:none}.nav-row a[aria-current=page]{color:var(--gold);text-decoration:underline}.nav-row a:hover{text-decoration:underline}.hero{background:var(--navy);color:#edf1f6;padding:58px 0 62px}.hero-grid{display:grid;grid-template-columns:minmax(0,1.65fr) minmax(270px,1fr);gap:56px;align-items:start}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:12px;font-weight:700;color:var(--gold);margin-bottom:18px}.hero h1{color:#fff}.hero p{font-size:19px;line-height:1.7;max-width:780px}.hero-card{border:1px solid #536074;border-radius:5px;padding:28px;margin-top:7px}.hero-card h2{color:#fff;font-size:22px}.hero-card ul{font-size:16px;margin-bottom:0}.hero-card li::marker{color:var(--gold)}.btn{display:inline-flex;justify-content:center;align-items:center;padding:13px 22px;background:var(--gold);border:1px solid var(--gold);border-radius:4px;color:var(--navy)!important;font-size:15px;font-weight:700;text-decoration:none;line-height:1.5;text-align:center}.btn:hover{background:#d8c8a2;text-decoration:none}.btn.secondary{background:transparent;border-color:#9ba9b9;color:#fff!important}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}.breadcrumbs{border-bottom:1px solid var(--line);padding:17px 0;color:var(--muted);font-size:13px}.breadcrumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0}.breadcrumbs ol{margin-left:auto;margin-right:auto}.breadcrumbs li{margin:0}.breadcrumbs li+li:before{content:'›';margin-right:8px;color:#8e99a8}.breadcrumbs a{color:var(--muted)}.page-body{display:grid;grid-template-columns:minmax(0,780px) minmax(230px,1fr);gap:68px;padding:52px 0 64px}.copy{min-width:0}.copy section{margin-bottom:42px;scroll-margin-top:24px}.copy p,.copy li{overflow-wrap:break-word}.toc{align-self:start;background:var(--soft);border:1px solid var(--line);border-radius:5px;padding:24px}.toc h2{font-size:19px;margin-bottom:16px}.toc ul{list-style:none;padding:0;margin:0;font-size:14px}.toc li{margin-bottom:13px}.toc .profile{border-top:1px solid var(--line);margin:22px 0 0;padding-top:20px;font-size:14px}.toc .profile p{margin-bottom:12px}.profile strong{display:block}.source-note{font-size:13px;color:var(--muted);border-left:3px solid var(--gold);padding-left:14px}.faq details{border-top:1px solid var(--line);padding:18px 0}.faq details:last-child{border-bottom:1px solid var(--line)}summary{font-weight:700;line-height:1.5;cursor:pointer;padding-right:12px}.faq details p{margin:16px 0 0}.related{background:var(--soft);padding:46px 0}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}.cards.two{grid-template-columns:repeat(2,minmax(0,1fr))}.card{display:block;background:#fff;border:1px solid var(--line);border-radius:5px;padding:28px;color:var(--ink);text-decoration:none}.card:hover{border-color:#8d9eb1}.card .number{font-size:12px;letter-spacing:.12em;color:#786338;margin-bottom:16px}.card p{font-size:16px;margin-bottom:20px}.card span.arrow{color:#465d7a;font-size:14px;font-weight:700}.enquiry{padding:55px 0;background:#fff;scroll-margin-top:20px}.enquiry-grid{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(260px,1fr);gap:70px}.enquiry h2{font-size:32px}.contact-box{background:var(--soft);border:1px solid var(--line);border-radius:5px;padding:26px;min-width:0}.contact-box a:not(.btn){overflow-wrap:anywhere}.contact-box .btn{width:100%;margin-bottom:18px}.small{font-size:14px;color:var(--muted)}.contact-box p:last-child{margin-bottom:0}.site-footer{background:var(--navy);color:#d5dfe9;padding:38px 0 24px;font-size:14px}.footer-grid{display:grid;grid-template-columns:1.15fr 1.3fr 1fr;gap:42px}.site-footer h2{color:#fff;font-size:19px}.site-footer a{color:#e6edf4}.site-footer ul{padding:0;list-style:none}.site-footer li{margin-bottom:8px}.copyright{border-top:1px solid #3b4c60;margin-top:26px;padding-top:20px;font-size:12px}.hub-intro{max-width:800px;padding:46px 0 30px}.hub-services{padding-bottom:56px}.credentials{display:grid;grid-template-columns:150px minmax(0,1fr);gap:28px;align-items:start;padding:38px 0 0}.credentials img{border-radius:5px}.credentials h2{font-size:24px}.credentials p{font-size:16px}.rule-note{font-size:14px;color:var(--muted)}@media(max-width:1000px){h1{font-size:38px}.hero-grid{grid-template-columns:minmax(0,1.4fr) minmax(250px,1fr);gap:30px}.page-body{grid-template-columns:minmax(0,1fr);gap:28px}.toc{grid-row:1}.toc ul{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 24px}.toc .profile{margin-top:16px}.cards{gap:16px}.card{padding:22px}.footer-grid{gap:24px}.enquiry-grid{gap:32px}}@media(max-width:767px){body{font-size:16px}.wrap{width:calc(100% - 30px)}.header-row{align-items:flex-start;gap:16px;padding:20px 0}.brand{font-size:20px}.brand small{font-size:10px}.header-tools{flex-direction:column;align-items:flex-end;gap:9px}.header-tools a{font-size:12px}.nav-row{gap:10px 20px;padding-bottom:18px}.nav-row a{font-size:13px}.hero{padding:34px 0 38px}.hero-grid{grid-template-columns:minmax(0,1fr);gap:28px}h1{font-size:32px;overflow-wrap:break-word}h2{font-size:26px}.hero p{font-size:17px}.hero-card{padding:22px;margin:0}.hero-card h2{font-size:20px}.hero-actions .btn{width:100%}.breadcrumbs{font-size:12px}.page-body{padding:32px 0 28px}.copy section{margin-bottom:32px}.toc{padding:20px}.toc ul{grid-template-columns:minmax(0,1fr);gap:0}.cards,.cards.two{grid-template-columns:minmax(0,1fr)}.card{padding:24px}.related{padding:34px 0}.enquiry{padding:36px 0}.enquiry-grid{grid-template-columns:minmax(0,1fr);gap:24px}.enquiry h2{font-size:28px}.footer-grid{grid-template-columns:minmax(0,1fr);gap:18px}.site-footer{padding-top:30px}.hub-intro{padding-top:32px}.credentials{grid-template-columns:100px minmax(0,1fr);gap:20px}.credentials h2{font-size:21px}.credentials p{font-size:15px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}