:root{--ink:#163247;--muted:#506676;--blue:#236b8e;--sky:#dff2f7;--cream:#fbf8f2;--coral:#df684a;--coral-dark:#b9442e;--green:#2e705f;--paper:#fff;--line:#d9e2e6;--shadow:0 18px 50px rgba(22,50,71,.12);--radius:22px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--cream);font-family:Aptos,"Segoe UI",Arial,sans-serif;font-size:18px;line-height:1.68}
img{display:block;max-width:100%;height:auto}
a{color:#165f81;text-underline-offset:3px}
a:hover{color:var(--coral-dark)}
.skip-link{position:absolute;left:-999px;top:8px;background:#fff;padding:10px;z-index:100}.skip-link:focus{left:8px}
.site-head{background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.head-inner{max-width:1240px;margin:auto;min-height:76px;padding:0 24px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:11px;color:var(--ink);text-decoration:none;font-weight:800;letter-spacing:-.02em;font-size:1.15rem}
.brand-mark{width:38px;height:38px;border-radius:12px;background:var(--sky);display:grid;place-items:center;color:var(--blue)}
.brand-mark svg{width:23px;height:23px}
.nav{display:flex;align-items:center;gap:7px}.nav a{color:var(--ink);text-decoration:none;font-size:.92rem;font-weight:650;padding:9px 11px;border-radius:10px}.nav a:hover,.nav a[aria-current="page"]{background:var(--sky)}
.nav .nav-quote{color:#fff;background:var(--coral);padding:10px 15px}.nav .nav-quote:hover{background:var(--coral-dark);color:#fff}
.menu-btn{display:none;background:#fff;border:1px solid var(--line);border-radius:10px;padding:9px 12px;font:inherit;color:var(--ink)}
.wrap{max-width:1180px;margin:auto;padding:0 24px}
.home-hero{padding:62px 0 30px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(420px,1.1fr);align-items:center;gap:54px}
.eyebrow{display:inline-flex;gap:8px;align-items:center;color:var(--green);font-weight:800;font-size:.83rem;letter-spacing:.055em;text-transform:uppercase;margin:0 0 13px}.eyebrow:before{content:"";width:28px;height:3px;border-radius:3px;background:var(--coral)}
h1,h2,h3{line-height:1.16;letter-spacing:-.025em}h1{font-size:clamp(2.15rem,5vw,4.25rem);margin:.08em 0 .35em;max-width:14ch}h2{font-size:clamp(1.5rem,2.8vw,2.25rem);margin:0 0 .55em}h3{font-size:1.22rem;margin:0 0 .4em}
.hero-copy{font-size:1.13rem;max-width:620px;color:var(--muted)}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.button,.finalquote{display:inline-flex;align-items:center;justify-content:center;min-height:51px;border-radius:14px;padding:12px 20px;text-decoration:none;font-weight:800;border:2px solid transparent}.button-primary,.finalquote{background:var(--coral);color:#fff;box-shadow:0 8px 18px rgba(223,104,74,.22)}.button-primary:hover,.finalquote:hover{background:var(--coral-dark);color:#fff}.button-secondary{border-color:var(--blue);color:var(--blue);background:#fff}.button-secondary:hover{background:var(--sky);color:var(--ink)}
.hero-picture{position:relative;padding:0 0 34px 35px}.hero-picture img{width:100%;aspect-ratio:16/10;object-fit:cover;border-radius:42px 8px 42px 8px;box-shadow:var(--shadow)}
.step-note{position:absolute;left:0;bottom:0;background:#fff;border:1px solid var(--line);border-radius:18px;padding:15px 19px;box-shadow:var(--shadow);max-width:285px}.step-note strong{display:block;font-size:.82rem;color:var(--coral-dark);text-transform:uppercase;letter-spacing:.04em}.step-note span{font-weight:750}
.stage-strip{margin:28px auto 76px;background:var(--ink);color:#fff;border-radius:24px;padding:24px}.stage-title{display:flex;justify-content:space-between;gap:20px;align-items:end;margin-bottom:17px}.stage-title h2{font-size:1.5rem;margin:0}.stage-title p{margin:0;color:#c8d5de;font-size:.92rem}.stage-links{display:grid;grid-template-columns:repeat(4,1fr);gap:9px}.stage-links a{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.14);color:#fff;text-decoration:none;border-radius:15px;padding:16px}.stage-links a:hover{background:var(--sky);color:var(--ink)}.stage-links small{display:block;color:#b8cad5;margin-bottom:3px}.stage-links a:hover small{color:var(--blue)}
.paper-section{padding:72px 0}.paper-section.alt{background:#fff}.section-intro{display:grid;grid-template-columns:.75fr 1.25fr;gap:60px;margin-bottom:30px}.section-intro p{margin-top:0;color:var(--muted)}
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.guide-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:23px;text-decoration:none;color:var(--ink);transition:transform .18s,box-shadow .18s}.alt .guide-card{background:var(--cream)}.guide-card:hover{transform:translateY(-3px);box-shadow:0 15px 35px rgba(22,50,71,.1);color:var(--ink)}.guide-card .num{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--sky);color:var(--blue);font-size:.85rem;font-weight:800;margin-bottom:20px}.guide-card p{color:var(--muted);margin:.5em 0 0;font-size:.94rem}.guide-card .arrow{display:inline-block;margin-top:16px;color:var(--coral-dark);font-weight:800}
.insurance-band{margin:70px auto;background:linear-gradient(120deg,#1c5f79,#143247);border-radius:30px;color:#fff;padding:36px;display:grid;grid-template-columns:1.2fr .8fr;gap:35px;align-items:center}.insurance-band h2{margin-bottom:.35em}.insurance-band p{color:#d9e7ed;margin:0}.quote-box{text-align:center;background:#fff;color:var(--ink);padding:24px;border-radius:20px}.quote-box .finalquote{width:100%}.centre-button{text-align:center}.qz-tip{position:relative;display:inline-block;margin-top:12px;font-size:.76rem;color:#536774;border-bottom:1px dotted #536774;cursor:help;outline-offset:5px}.qz-tip__bubble{position:absolute;z-index:20;right:0;bottom:calc(100% + 10px);width:min(360px,78vw);background:#102838;color:#fff;text-align:left;font-size:.78rem;line-height:1.45;padding:14px;border-radius:12px;box-shadow:0 12px 32px rgba(0,0,0,.25);opacity:0;visibility:hidden;transform:translateY(5px);transition:.15s}.qz-tip:hover .qz-tip__bubble,.qz-tip:focus .qz-tip__bubble{opacity:1;visibility:visible;transform:none}
.resource-list{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;padding:0;list-style:none}.resource-list a{display:block;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 18px;text-decoration:none;font-weight:700}.resource-list small{display:block;color:var(--muted);font-weight:400}
.article-hero{padding:50px 0 34px}.article-hero-grid{display:grid;grid-template-columns:1fr 430px;gap:52px;align-items:center}.article-hero h1{font-size:clamp(2.1rem,4.5vw,3.7rem);max-width:17ch}.article-hero .lead{font-size:1.12rem;color:var(--muted);max-width:720px}.article-hero img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:28px 7px 28px 7px;box-shadow:var(--shadow)}
.crumbs{font-size:.82rem;margin-bottom:17px;color:var(--muted)}.crumbs a{color:var(--muted)}
.article-shell{display:grid;grid-template-columns:minmax(0,760px) 300px;gap:65px;align-items:start;padding-bottom:80px}.article-content{background:#fff;border:1px solid var(--line);border-radius:24px;padding:clamp(24px,5vw,54px);box-shadow:0 14px 45px rgba(22,50,71,.07)}.article-content section+section{border-top:1px solid var(--line);padding-top:34px;margin-top:34px}.article-content p{margin:.7em 0}.article-content ul,.article-content ol{padding-left:1.25em}.article-content li{margin:.45em 0}.note{background:var(--sky);border-left:5px solid var(--blue);padding:18px 20px;border-radius:0 14px 14px 0;margin:24px 0}.warning{background:#fff2e9;border-left-color:var(--coral)}
.side{position:sticky;top:98px}.side-card{background:var(--ink);color:#fff;border-radius:19px;padding:23px;margin-bottom:18px}.side-card h2{font-size:1.25rem}.side-card p{font-size:.9rem;color:#d6e1e8}.side-card a:not(.finalquote){color:#fff}.side-card .finalquote{font-size:.88rem;padding:11px;width:100%}.side .qz-tip{color:#d6e1e8;border-color:#d6e1e8}.side-links{background:#fff;border:1px solid var(--line);border-radius:19px;padding:20px;margin-bottom:18px}.side-links h2{font-size:1.1rem}.side-links ul{list-style:none;padding:0;margin:0}.side-links li+li{border-top:1px solid var(--line)}.side-links a{display:block;padding:10px 0;text-decoration:none;font-size:.9rem}
.article-shell.layout-wide{display:block}.layout-wide .article-content{max-width:940px;margin:auto}.layout-wide .inline-quote{margin:34px -20px;background:var(--ink);color:#fff;border-radius:20px;padding:28px}.layout-wide .inline-quote p{color:#d6e1e8}.layout-wide .inline-quote .qz-tip{color:#d6e1e8;border-color:#d6e1e8}
.footer{background:#102838;color:#d8e2e8;padding:54px 0 30px;font-size:.78rem}.footer-top{display:grid;grid-template-columns:.75fr 1.25fr;gap:50px;border-bottom:1px solid rgba(255,255,255,.16);padding-bottom:28px;margin-bottom:24px}.footer .brand{color:#fff}.footer a{color:#fff}.footer-nav{display:flex;flex-wrap:wrap;gap:12px 22px;justify-content:flex-end}.legal-copy p{margin:.65em 0}.copyright{color:#98adb9;margin-top:22px}
@media(max-width:950px){.menu-btn{display:block}.nav{display:none;position:absolute;left:16px;right:16px;top:70px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:12px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.nav.open{display:flex}.nav a{text-align:center}.hero-grid,.article-hero-grid,.article-shell,.insurance-band,.section-intro{grid-template-columns:1fr}.hero-grid{gap:34px}.article-hero-grid{gap:26px}.article-hero picture{order:-1}.article-hero img{aspect-ratio:16/8}.article-shell{gap:28px}.side{position:static}.side-links{display:none}.stage-links{grid-template-columns:repeat(2,1fr)}.guide-grid{grid-template-columns:repeat(2,1fr)}.footer-top{grid-template-columns:1fr}.footer-nav{justify-content:flex-start}.home-hero{padding-top:38px}.hero-picture{padding-left:18px}}
@media(max-width:600px){body{font-size:17px}.wrap{padding:0 17px}.head-inner{padding:0 17px}.brand{font-size:1.03rem}.brand-mark{width:34px;height:34px}.home-hero{padding-top:28px}.hero-grid{display:flex;flex-direction:column}.hero-copy{font-size:1.04rem}.hero-picture{padding:0 0 28px 0}.hero-picture img{border-radius:25px 6px 25px 6px}.step-note{left:12px;right:12px;padding:12px 15px}.stage-strip{margin:20px 17px 48px;padding:19px}.stage-title{display:block}.stage-title p{margin-top:5px}.stage-links{grid-template-columns:1fr 1fr}.stage-links a{padding:13px;font-size:.88rem}.guide-grid,.resource-list{grid-template-columns:1fr}.paper-section{padding:50px 0}.insurance-band{margin:46px 0;border-radius:0;padding:30px 17px}.article-hero{padding:30px 0 22px}.article-hero img{border-radius:20px 5px 20px 5px}.article-content{border-radius:18px;padding:24px 20px}.article-content section+section{padding-top:27px;margin-top:27px}.actions{display:grid}.button,.finalquote{width:100%}.qz-tip__bubble{right:50%;transform:translate(50%,5px)}.qz-tip:hover .qz-tip__bubble,.qz-tip:focus .qz-tip__bubble{transform:translateX(50%)}.footer{padding-top:42px}.footer-nav{display:grid;grid-template-columns:1fr 1fr;gap:9px}.layout-wide .inline-quote{margin:28px 0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.guide-card,.qz-tip__bubble{transition:none}}