:root{--forest:#102d29;--forest-dark:#0a201e;--gold:#c6aa75;--cream:#f4f1e9;--paper:#f9f7f1;--ink:#19312d;--muted:#6d7872}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:'DM Sans',sans-serif;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button,input,textarea{font:inherit}button{cursor:pointer}.container{max-width:1240px;margin:0 auto;padding:0 46px}.site-header{background:var(--forest);color:var(--cream);position:relative;z-index:5}.nav-wrap{max-width:1390px;padding:19px 46px;margin:auto;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{display:flex;align-items:center;gap:13px;color:var(--gold)}.brand-icon{width:37px;height:43px;flex-shrink:0}.brand-text{display:flex;flex-direction:column;gap:5px}.brand-text>span{font-family:'Playfair Display',serif;color:#f3f0e7;letter-spacing:2.3px;font-size:16px;line-height:1.08}.brand-text small{font-size:8px;letter-spacing:3.2px;font-weight:600}.main-nav{display:flex;align-items:center;gap:38px;font-size:12px;letter-spacing:.4px}.main-nav>a:hover,.text-link:hover,.underlined:hover{color:var(--gold)}.nav-contact{border:1px solid #8d9b8e;padding:13px 19px}.nav-contact span{margin-left:17px;color:var(--gold)}.menu-toggle{display:none}.announcement{background:#c8b282;color:#21342d;text-align:center;padding:10px 20px;font-size:10px;letter-spacing:2.3px;font-weight:600}.announcement .dot{padding:0 20px}.hero{min-height:650px;height:72vh;max-height:850px;position:relative;background:#253d3b;color:white;overflow:hidden}.hero-image{position:absolute;inset:0;background-image:url('https://images.unsplash.com/photo-1513635269975-59663e0ac1ad?auto=format&fit=crop&w=2200&q=85');background-size:cover;background-position:center 48%;filter:saturate(.72) brightness(.82)}.hero-shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,29,28,.88) 0%,rgba(9,30,29,.73) 34%,rgba(13,32,32,.22) 78%),linear-gradient(0deg,rgba(9,27,25,.38),transparent 35%)}.hero-content{position:relative;z-index:1;height:100%;display:flex;flex-direction:column;align-items:flex-start;justify-content:center;padding-top:5px;padding-bottom:60px}.eyebrow,.section-label{font-size:10px;letter-spacing:2.5px;font-weight:700;color:#a68d61}.eyebrow.light{color:#e3cfab;display:flex;align-items:center;gap:14px}.line{display:inline-block;width:28px;height:1px;background:var(--gold)}h1,h2,h3,p{margin-top:0}h1,h2{font-family:'Playfair Display',Georgia,serif;font-weight:400}h1{font-size:clamp(58px,7.2vw,105px);line-height:1.08;letter-spacing:-2px;margin:27px 0 25px}h1 em,h2 em{font-weight:400;color:var(--gold)}.hero-content>p{max-width:480px;font-size:16px;line-height:1.9;color:#eeeae0}.hero-actions{display:flex;align-items:center;gap:32px;margin-top:26px}.btn{display:inline-flex;align-items:center;justify-content:space-between;gap:40px;padding:18px 25px;font-size:12px;font-weight:700;letter-spacing:.3px;border:0;transition:transform .2s,background .2s}.btn:hover{transform:translateY(-2px)}.btn-gold{background:var(--gold);color:#18312c}.btn-gold:hover{background:#e2c99a}.text-link{font-size:12px;color:#f5f0e7;border-bottom:1px solid #b3b6ab;padding-bottom:8px}.text-link span{margin-left:18px}.hero-bottom{position:absolute;bottom:25px;left:46px;right:46px;display:flex;justify-content:space-between;color:#f2eee2;z-index:1;font-size:9px;letter-spacing:2px}.section{padding-top:116px;padding-bottom:118px}.intro-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:12%;margin-top:32px}.intro h2,.benefits h2,.process h2,.contact h2,.statement h2{font-size:clamp(39px,4.3vw,62px);line-height:1.22;letter-spacing:-.9px}.intro h2 em,.benefits h2 em,.process h2 em,.contact h2 em{color:#a58c62}.intro-copy{padding-top:7px}.intro-copy p{color:#5f6d66;font-size:15px;line-height:1.95;margin-bottom:17px}.underlined{display:inline-block;font-size:12px;font-weight:700;border-bottom:1px solid #b6a17b;padding-bottom:10px;margin-top:13px}.underlined span{margin-left:22px}.benefits{background:#f0eee7}.benefits-head,.process-head{display:flex;align-items:end;justify-content:space-between;gap:50px;margin:29px 0 55px}.benefits-head h2,.process-head h2{margin-bottom:0}.benefits-head>p,.process-head>p{max-width:340px;color:#6b766e;font-size:14px;line-height:1.9}.benefit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.benefit-grid article{background:#faf9f5;padding:34px 30px 40px;min-height:300px}.benefit-number{font-size:11px;color:#b39a6e;letter-spacing:2px}.benefit-symbol{font-family:Georgia,serif;font-size:51px;font-weight:400;color:#b49c73;margin:21px 0 19px;height:58px}.benefit-grid h3,.steps h3{font-family:'Playfair Display',serif;font-size:21px;font-weight:400}.benefit-grid p,.steps p{font-size:13px;color:#6d7972;line-height:1.85;margin:0}.statement{background:var(--forest);color:#f5f1e7;text-align:center;padding:100px 20px 110px}.statement h2{margin:25px 0 20px}.statement p{color:#c3d0c8;font-size:14px}.btn-outline{border:1px solid #a8956c;color:#f2e8d4;margin-top:20px}.btn-outline:hover{background:#1e4139}.process-head{margin-bottom:64px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:50px}.steps article{border-top:1px solid #c5c8bb;padding-top:25px}.steps article>span{font-size:12px;color:#ad946a}.steps h3{margin:33px 0 15px}.contact{background:#e9e6dc;padding:110px 0}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:12%}.contact h2{margin:30px 0 22px}.contact-grid>div>p{color:#67746c;font-size:15px;line-height:1.9;max-width:370px}.contact-note{font-size:10px;letter-spacing:2px;color:#a18b63;margin-top:50px;font-weight:700}.contact-form{display:flex;flex-direction:column;gap:9px}.contact-form label{font-size:11px;font-weight:700;margin-top:10px}.contact-form input,.contact-form textarea{background:transparent;border:0;border-bottom:1px solid #b9bcb0;border-radius:0;padding:12px 2px;outline:none;color:var(--ink);resize:vertical;font-size:13px}.contact-form input:focus,.contact-form textarea:focus{border-color:#917445}.contact-form .btn{align-self:flex-start;margin-top:22px}.form-help{font-size:11px;color:#778178;line-height:1.65;margin:7px 0}footer{background:#0c2421;color:#e5e9df;padding:47px 0 25px}.footer-inner{display:flex;justify-content:space-between;align-items:center;gap:25px}.footer-inner>div{display:flex;flex-direction:column;gap:7px}.footer-inner strong{font-family:'Playfair Display',serif;font-weight:400;letter-spacing:2px;font-size:16px}.footer-inner>div span{color:var(--gold);font-size:9px;letter-spacing:2.5px}.footer-inner p,.footer-inner a{font-size:12px;color:#b7c4b9;margin:0}.footer-bottom{border-top:1px solid #34514a;margin-top:38px;padding-top:21px;display:flex;justify-content:space-between;gap:20px;color:#91a69a;font-size:10px}@media(max-width:800px){.container{padding-left:24px;padding-right:24px}.nav-wrap{padding:15px 24px}.menu-toggle{display:flex;flex-direction:column;gap:5px;background:transparent;border:0;padding:10px}.menu-toggle span{width:24px;height:1.5px;background:#f4f0e6}.main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--forest);padding:20px 24px 30px;flex-direction:column;align-items:stretch;gap:22px}.main-nav.open{display:flex}.main-nav .nav-contact{align-self:flex-start}.hero{min-height:600px;height:75vh}.hero-content{padding-bottom:55px}.hero-image{background-position:56% center}.hero-shade{background:linear-gradient(90deg,rgba(7,29,28,.88),rgba(9,30,29,.55))}.hero-bottom{left:24px;right:24px}.section{padding-top:80px;padding-bottom:80px}.intro-grid,.contact-grid{grid-template-columns:1fr;gap:20px}.intro-grid h2{margin-bottom:0}.benefits-head,.process-head{display:block}.benefits-head>p,.process-head>p{margin-top:25px}.benefit-grid{grid-template-columns:1fr;gap:12px}.benefit-grid article{min-height:0}.steps{grid-template-columns:1fr;gap:30px}.steps h3{margin-top:20px}.contact{padding:75px 0}.contact-note{margin:25px 0}.footer-inner{flex-wrap:wrap}.footer-bottom{flex-direction:column}}@media(max-width:480px){.brand-text>span{font-size:13px}.brand-text small{font-size:7px}.brand-icon{width:31px}.announcement{font-size:8px;letter-spacing:1.2px}.announcement .dot{padding:0 8px}.hero{min-height:570px}.hero-content>p{font-size:14px}.hero-actions{gap:20px;flex-wrap:wrap}.btn{padding:16px 20px;gap:20px}.hero-bottom{font-size:8px}.hero-bottom span:last-child{display:none}h1{letter-spacing:-1px}.statement{padding:80px 15px}}

/* Editorial additions */
.announcement{display:flex;flex-direction:column;gap:3px;padding:11px 16px;letter-spacing:1.8px}.announcement strong{font-size:13px;letter-spacing:2.4px}.announcement-sub{font-size:10px;letter-spacing:1.2px;font-weight:400}.main-nav{gap:24px}.benefit-grid{grid-template-columns:repeat(4,1fr)}.benefit-grid article{padding:30px 24px}.benefit-grid h3{font-size:19px}.insight-grid{display:grid;grid-template-columns:1.1fr .85fr;gap:10%;align-items:start;margin-top:32px}.insights h2,.scheme h2,.tools-band h2{font-size:clamp(38px,4.2vw,60px);line-height:1.2}.insights h2 em,.scheme h2 em{color:#aa9165}.insights p{font-size:15px;line-height:1.9;color:#5e6c65}.insights .lead{font-size:19px;color:var(--ink);font-family:'Playfair Display',serif}.example-card{background:#eeeae0;padding:35px}.example-card h3,.scheme-panel h3{font-family:'Playfair Display',serif;font-weight:400;font-size:27px;line-height:1.35;margin:20px 0 28px}.example-row{display:flex;justify-content:space-between;gap:16px;border-top:1px solid #c9c5b7;padding:15px 0;align-items:center}.example-row strong{font-family:'Playfair Display',serif;font-size:24px;font-weight:400}.example-row span{font-size:12px;text-align:right;color:#66716b}.example-card p{font-size:12px}.scheme{background:#17372f;color:#f5f0e7;padding:110px 0}.scheme-grid{display:grid;grid-template-columns:1.1fr .85fr;gap:10%}.scheme p{font-size:14px;line-height:1.9;color:#d3ded4}.scheme-source{display:inline-block;margin-top:15px;border-bottom:1px solid var(--gold);padding-bottom:8px;font-size:12px;color:#e1c899}.scheme-panel{background:#24473c;padding:35px}.scheme-panel h3{color:#f5f0e7}.mini-form{display:flex;flex-direction:column;gap:9px}.mini-form>label:not(.consent){font-size:11px;margin-top:9px}.mini-form>input{background:#fff;border:0;padding:13px;color:#18352d;border-radius:2px;min-width:0}.consent{display:flex;gap:10px;align-items:flex-start;margin:12px 0;font-size:11px;line-height:1.7;color:#dbe3dc}.consent input{margin-top:4px;accent-color:var(--gold)}.consent a{text-decoration:underline}.mini-form .btn{align-self:flex-start}.tools-band{background:#e8e5da;padding:70px 0}.tools-inner{display:flex;align-items:center;justify-content:space-between;gap:35px}.tools-band h2{margin:14px 0}.tools-band p{font-size:14px;line-height:1.7;color:#647169;max-width:540px}.contact-methods{display:flex;flex-direction:column;gap:12px;margin-top:24px;font-size:14px}.contact-methods a{text-decoration:underline;text-decoration-color:#b9a477;text-underline-offset:5px}.footer-main{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px}.footer-brand,.footer-links{display:flex;flex-direction:column;gap:12px}.footer-brand strong{font-family:'Playfair Display',serif;font-weight:400;letter-spacing:2px}.footer-brand span{color:var(--gold);font-size:9px;letter-spacing:2px}.footer-brand p{font-size:12px;color:#b9c8bd;margin-top:10px;line-height:1.7}.footer-links strong{font-size:11px;color:var(--gold);letter-spacing:1px}.footer-links a{font-size:12px;color:#d7dfd6;line-height:1.7;overflow-wrap:anywhere}.legal-details{border-top:1px solid #34514a;margin-top:42px;padding-top:25px;font-size:11px;color:#b6c7ba}.legal-details p{line-height:1.7;margin-bottom:9px}.legal-links{display:flex;gap:24px;flex-wrap:wrap;margin-top:20px}.legal-links a{text-decoration:underline;text-underline-offset:4px}.whatsapp-float{position:fixed;bottom:24px;right:24px;z-index:10;background:#c6aa75;color:#16332a;padding:13px 17px;border-radius:30px;box-shadow:0 5px 24px #0004;font-size:12px;font-weight:700}.whatsapp-float:hover{background:#e4c993}.legal-page{padding:85px 0 120px;min-height:65vh}.legal-page h1{font-size:clamp(38px,5vw,64px);color:var(--ink)}.legal-page h2{font-size:25px;margin-top:40px}.legal-page p,.legal-page li{max-width:850px;line-height:1.85;color:#56655d}.notice{border-left:3px solid #aa9165;padding:15px 22px;background:#f0ece1}.calc-wrap{max-width:950px;margin:0 auto}.calc-panel{background:#eeeae0;padding:35px;display:grid;gap:20px}.calc-panel label{font-size:13px;font-weight:700}.calc-panel input,.calc-panel select{display:block;width:100%;padding:14px;border:1px solid #b8b6aa;background:white;margin-top:8px;color:#18352d}.calc-result{background:#17372f;color:#fff;padding:30px}.calc-result strong{font-family:'Playfair Display',serif;font-size:48px;font-weight:400;color:#d9bc85}.calc-result p{color:#d6e0d8}.calc-breakdown{margin-top:20px;font-size:13px;line-height:1.9}.calc-breakdown div{display:flex;justify-content:space-between;border-bottom:1px solid #52695e;padding:8px 0;gap:20px}.calc-note{font-size:12px;line-height:1.8;color:#5c6b62}
@media(max-width:1050px){.main-nav{gap:14px;font-size:11px}.benefit-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:800px){.insight-grid,.scheme-grid,.footer-main{grid-template-columns:1fr;gap:30px}.benefit-grid{grid-template-columns:1fr}.scheme{padding:75px 0}.tools-inner{align-items:flex-start;flex-direction:column}.whatsapp-float{right:14px;bottom:14px}.whatsapp-float span{display:none}.scheme-panel,.example-card{padding:24px}}
/* Version 4 refinements */
.announcement{display:flex;flex-direction:row;justify-content:center;align-items:center;gap:22px;padding:13px 18px;flex-wrap:wrap}.announcement strong{font-size:17px;letter-spacing:2.2px;line-height:1.2}.announcement-sub{font-size:12px;letter-spacing:.5px;line-height:1.4}.announcement-divider{width:1px;height:25px;background:#536357;display:block;flex:none}.scheme-name{white-space:nowrap;display:inline-block}.scheme h2{font-size:clamp(34px,3.65vw,53px)}.broker-section h2{font-size:clamp(39px,4.3vw,60px);line-height:1.25}.shortlist-intro{display:grid;grid-template-columns:1.25fr .7fr;gap:12%;align-items:end;margin:25px 0 56px}.shortlist-intro h2{font-size:clamp(39px,4.3vw,62px);line-height:1.25}.shortlist-intro p{color:#596960;font-size:15px;line-height:1.85;max-width:650px}.shortlist-promise{display:flex;flex-direction:column;gap:7px;margin-top:24px}.shortlist-promise strong{color:#7d6848;font-family:'Playfair Display',serif;font-size:22px;font-weight:400}.shortlist-promise span{font-size:12px;color:#657369}.shortlist-aside{border-left:1px solid #b5b4a8;padding-left:30px}.shortlist-aside p{font-size:14px}.shortlist-aside a{color:#80653b;text-decoration:underline;text-underline-offset:4px}.shortlist-card{background:#f9f7f1;border:1px solid #d4d0c4;padding:48px;box-shadow:0 18px 55px rgba(19,45,37,.055)}.shortlist-card-head{display:flex;align-items:flex-end;justify-content:space-between;gap:20px}.shortlist-card-head h3,.form-step legend,.shortlist-success h3{font-family:'Playfair Display',serif;font-weight:400;font-size:clamp(27px,3vw,38px);margin:14px 0}.shortlist-card-head p,.step-description{color:#68756c;font-size:13px;line-height:1.7}.form-step-counter{font-size:10px;letter-spacing:2px;color:#957a4d;white-space:nowrap}.progress-steps{display:grid;grid-template-columns:repeat(3,1fr);margin:28px 0 35px;gap:12px}.progress-steps>span{border-top:3px solid #d7d6cc;padding-top:11px;font-size:12px;color:#849087;font-weight:700}.progress-steps>span.active,.progress-steps>span.complete{border-color:#b49968;color:#254238}.progress-steps small{font-size:10px;font-weight:500;letter-spacing:1px;margin-left:8px}.form-step{display:none;border:0;margin:0;padding:0;min-width:0}.form-step.active{display:block}.form-step legend{padding:0}.field-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:23px 26px;margin-top:25px}.field{display:flex;flex-direction:column;gap:10px;font-size:12px;font-weight:700;color:#243c33}.field.full{grid-column:1/-1}.field span,.radio-label b{color:#9b7750}.field small{font-size:11px;font-weight:400;color:#657369}.field input,.field select,.field textarea{width:100%;background:#fff;border:1px solid #c9cbc0;padding:14px 15px;border-radius:2px;font-size:14px;color:#213c33;min-width:0;resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid #bba172;outline-offset:1px}.field .invalid{border-color:#a53e37;background:#fff9f8}.radio-label{display:block;font-size:12px;font-weight:700;margin-bottom:13px}.delivery-options{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.delivery-options label{display:flex;gap:10px;align-items:flex-start;background:white;border:1px solid #c9cbc0;padding:17px 14px;cursor:pointer}.delivery-options label:has(input:checked){border-color:#a88a57;background:#f3eee3}.delivery-options input{accent-color:#1b4a3c;margin-top:4px}.delivery-options strong{font-size:13px}.delivery-options small{display:block;margin-top:5px;line-height:1.5}.form-actions{display:flex;align-items:center;justify-content:flex-end;gap:20px;margin-top:35px}.form-back{border:0;background:transparent;color:#315046;text-decoration:underline;text-underline-offset:4px;padding:12px}.privacy-assurance,.preview-disclosure{font-size:11px;color:#637269;line-height:1.8;margin-top:25px}.privacy-assurance a{text-decoration:underline}.preview-disclosure{border-top:1px solid #ddd9cd;padding-top:14px}.validation-message{color:#9b3b35;font-size:12px;margin:16px 0}.shortlist-success{border-top:1px solid #d2c9b6;padding:30px 0}.shortlist-success p{line-height:1.8;color:#5a6c60}.shortlist-success a:not(.btn){text-decoration:underline}.shortlist-success[hidden],.form-back[hidden],#form-next[hidden],#form-submit[hidden],.validation-message[hidden]{display:none!important}.contact{padding:100px 0 120px}.contact .section-label{color:#967b4d}
@media(max-width:800px){.shortlist-intro{grid-template-columns:1fr;gap:22px}.shortlist-aside{border-left:0;border-top:1px solid #b5b4a8;padding:20px 0 0}.shortlist-card{padding:26px}.progress-steps small{display:block;margin:5px 0 0}.announcement{gap:12px}.announcement strong{font-size:14px}.announcement-sub{font-size:11px}.scheme h2{font-size:clamp(32px,6vw,50px)}}
@media(max-width:550px){.field-grid,.delivery-options{grid-template-columns:1fr}.field.full{grid-column:auto}.shortlist-card-head{align-items:flex-start;flex-direction:column}.shortlist-card{padding:21px}.announcement{gap:8px;padding:12px 8px}.announcement strong{font-size:12px;letter-spacing:.7px}.announcement-sub{font-size:9px;letter-spacing:0}.announcement-divider{height:18px}.form-actions{flex-wrap:wrap;justify-content:space-between}.form-actions .btn{flex:1;justify-content:center}.scheme-name{white-space:nowrap}.scheme h2{font-size:clamp(29px,7vw,38px)}}

/* Version 5 — full-width shortlist invitation and restrained sticky CTA */
.shortlist-intro{display:block;max-width:100%;margin:30px 0 55px}
.shortlist-intro h2{max-width:1100px;font-size:clamp(43px,5.6vw,78px);line-height:1.17;letter-spacing:-1.3px;margin-bottom:24px}
.shortlist-intro h2 em{display:inline;color:#a58c62}
.shortlist-intro>p{max-width:770px;font-size:16px;line-height:1.85}
.shortlist-promise{margin-top:18px}
.contact-hint{grid-column:1/-1;font-size:12px;line-height:1.7;color:#657369;margin:-8px 0 0}
.sticky-shortlist{position:fixed;z-index:9;right:25px;bottom:86px;background:#17382f;color:#f5f0e7;border:1px solid #c6aa75;padding:13px 19px;font-size:12px;font-weight:700;letter-spacing:.2px;box-shadow:0 8px 25px #0002;opacity:0;visibility:hidden;transform:translateY(10px);transition:opacity .2s,transform .2s,visibility .2s}
.sticky-shortlist.visible{opacity:1;visibility:visible;transform:translateY(0)}
.sticky-shortlist span{color:#c6aa75;margin-left:16px}
.sticky-shortlist:hover{background:#285043}
#shortlist-form{scroll-margin-top:25px}
@media(max-width:800px){.shortlist-intro h2{font-size:clamp(40px,7.4vw,62px)}.sticky-shortlist{right:70px;bottom:15px;padding:13px 14px;font-size:11px}.whatsapp-float{bottom:14px}}
@media(max-width:550px){.shortlist-intro h2{font-size:clamp(36px,9.3vw,49px)}.shortlist-intro>p{font-size:14px}.sticky-shortlist{right:65px;bottom:14px;padding:13px 11px;font-size:10px}.sticky-shortlist span{margin-left:7px}}

/* Version 6: direct, balanced full-width shortlist introduction. */
.contact{padding-top:68px}
.shortlist-intro{display:block;max-width:none;margin:22px 0 34px}
.shortlist-intro h2{max-width:none;font-size:clamp(38px,4.65vw,69px);line-height:1.18;letter-spacing:-.8px;margin:0 0 23px}
.shortlist-intro h2 em{color:#a58c62;font-style:italic}
.shortlist-intro>p{max-width:880px;font-size:16px;line-height:1.8;margin:0}
.shortlist-promise{margin-top:19px}
@media(max-width:1050px){.shortlist-desktop-break{display:none}.shortlist-intro h2{font-size:clamp(39px,5.2vw,59px)}}
@media(max-width:550px){.contact{padding-top:55px}.shortlist-intro{margin:18px 0 27px}.shortlist-intro h2{font-size:clamp(35px,9vw,48px);letter-spacing:-.5px;line-height:1.2}.shortlist-intro>p{font-size:14px}}