:root{--ink:#102a43;--muted:#52677a;--paper:#f7f4ee;--white:#fff;--teal:#147d7e;--gold:#e7a83e;--line:#dbe3e8;--soft:#eaf4f3;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:#fff;font:16px/1.65 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:inherit}img{max-width:100%;height:auto;display:block}.wrap{max-width:var(--max);margin:auto;padding:0 24px}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px;z-index:99}header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.top{max-width:var(--max);margin:auto;padding:14px 24px;display:flex;align-items:center;gap:24px}.logo{display:flex;align-items:center;gap:10px;text-decoration:none;white-space:nowrap}.logo-mark{display:grid;place-items:center;width:38px;height:38px;background:var(--ink);color:#fff;border-radius:10px;font-weight:900}.logo strong,.logo small{display:block;line-height:1.15}.logo small{color:var(--muted);font-size:12px;letter-spacing:.12em;text-transform:uppercase}nav{margin-left:auto;display:flex;gap:18px;align-items:center}nav a{text-decoration:none;font-size:14px;font-weight:650}nav a:hover,nav a[aria-current=page]{color:var(--teal)}.nav-cta{background:var(--ink);color:#fff!important;padding:9px 13px;border-radius:9px}.menu{display:none;margin-left:auto}main{padding-top:64px;padding-bottom:90px}h1{font-size:clamp(2.3rem,5vw,4.8rem);line-height:1.03;letter-spacing:-.045em;max-width:960px;margin:0 0 24px}h2{font-size:clamp(1.45rem,2.4vw,2.25rem);line-height:1.2;letter-spacing:-.025em}h3{line-height:1.25}.lead{font-size:clamp(1.15rem,2vw,1.45rem);color:var(--muted);max-width:850px;margin-bottom:48px}.kicker{text-transform:uppercase;letter-spacing:.14em;font-size:12px;font-weight:800;color:var(--teal)}section{margin:72px 0}.hero{display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:48px;margin:0 0 80px}.hero img{border-radius:24px;aspect-ratio:4/3;object-fit:cover;box-shadow:0 18px 50px #102a4322}.hero h1{font-size:clamp(2.5rem,5vw,5.2rem)}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.btn{display:inline-block;background:var(--teal);color:#fff;text-decoration:none;font-weight:800;padding:13px 18px;border-radius:10px}.btn.ghost{background:transparent;color:var(--ink);border:1px solid var(--line)}.btn.full{display:block;text-align:center}.two,.three{display:grid;grid-template-columns:repeat(2,1fr);gap:30px}.three{grid-template-columns:repeat(3,1fr)}.section-head{max-width:700px}.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.card{padding:24px;border:1px solid var(--line);border-radius:16px;text-decoration:none;transition:.2s}.card:hover{transform:translateY(-3px);box-shadow:0 12px 30px #102a4314}.card span,.num{font-weight:900;color:var(--gold)}.card p{color:var(--muted)}.feature{display:grid;grid-template-columns:1fr 1fr;gap:45px;align-items:center;background:var(--paper);padding:34px;border-radius:24px}.feature.reverse img{order:2}.feature img{border-radius:16px;aspect-ratio:4/3;object-fit:cover}.text-link{font-weight:800;color:var(--teal)}.soft-cta{background:var(--ink);color:#fff;padding:36px;border-radius:22px;display:flex;align-items:center;justify-content:space-between;gap:30px}.soft-cta h2{margin:.3em 0}.grid-list,.checklist{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.grid-list article,.checklist article,.method-grid article{border:1px solid var(--line);padding:26px;border-radius:16px}.grid-list p,.checklist p,.method-grid p{color:var(--muted)}.timeline{max-width:850px}.timeline article{display:grid;grid-template-columns:54px 1fr;gap:20px;padding:24px 0;border-bottom:1px solid var(--line)}.timeline b,.steps b{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--soft);color:var(--teal)}.timeline h2{margin:0}.note,.warning{padding:30px;border-left:5px solid var(--teal);background:var(--soft);border-radius:0 14px 14px 0}.warning{border-color:var(--gold);background:#fff7e6}.fee-panel,.compare,.method-grid,.contact-grid,.ai-split{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.fee-panel>div,.compare>div,.ai-split>section{padding:28px;background:var(--paper);border-radius:16px}.method-grid{grid-template-columns:repeat(3,1fr)}.sources{font-size:14px;border-top:1px solid var(--line);padding-top:28px}.sources h2{font-size:1.25rem}.ticks li::marker{content:'✓  ';color:var(--teal);font-weight:900}.cross li::marker{content:'×  ';color:#b44735;font-weight:900}.steps{display:grid;gap:12px}.steps>div{display:grid;grid-template-columns:52px 1fr;align-items:start}.faqs{max-width:900px}.faqs details{border-bottom:1px solid var(--line);padding:20px 0}.faqs summary{font-size:1.15rem;font-weight:800;cursor:pointer}.contact-grid{grid-template-columns:1.4fr .8fr}.copybox{background:var(--paper);padding:24px;border-radius:14px}.contact-card{background:var(--ink);color:#fff;padding:30px;border-radius:18px}.contact-link{display:block;color:#fff;text-decoration:none;padding:16px 0;border-bottom:1px solid #ffffff33}footer{background:#0b2236;color:#d8e4ec;padding:52px 0 20px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1.2fr;gap:50px}.footer-grid h2{font-size:1rem;color:#fff}.footer-grid a{display:block;color:#d8e4ec;text-decoration:none;margin:8px 0}.foot-logo .logo-mark{background:var(--gold);color:var(--ink)}.foot-logo small{color:#b8c7d2}.legal{border-top:1px solid #ffffff22;margin-top:35px;padding-top:18px;font-size:13px;color:#9fb2c0}@media(max-width:1000px){nav{display:none;position:absolute;top:66px;left:0;right:0;background:#fff;padding:20px 24px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}nav.open{display:flex}.menu{display:block}.hero,.feature,.contact-grid{grid-template-columns:1fr}.hero img{order:-1}.cards{grid-template-columns:repeat(2,1fr)}.method-grid{grid-template-columns:1fr}.feature.reverse img{order:0}}@media(max-width:680px){main{padding-top:40px}.wrap{padding-left:18px;padding-right:18px}.two,.three,.grid-list,.checklist,.fee-panel,.compare,.ai-split,.footer-grid{grid-template-columns:1fr}.cards{grid-template-columns:1fr}.soft-cta{align-items:flex-start;flex-direction:column}.hero{gap:26px}.hero img{border-radius:16px}section{margin:52px 0}}

/* Enhanced content components */
.cards{grid-template-columns:repeat(auto-fit,minmax(205px,1fr))}.microcopy{color:var(--muted);font-size:.95rem}.copybox p{margin:.45rem 0}.framework-box,.author-box,.inline-cta{padding:32px;border:1px solid var(--line);border-radius:20px;background:linear-gradient(135deg,var(--paper),#fff)}.author-box,.inline-cta{display:flex;align-items:center;justify-content:space-between;gap:32px}.author-box h2,.inline-cta h2{margin:.25em 0}.resource-links{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:28px}.resource-card{display:flex;flex-direction:column;gap:8px;padding:24px;border:1px solid var(--line);border-radius:16px;text-decoration:none;background:#fff}.resource-card:hover{box-shadow:0 12px 30px #102a4314;transform:translateY(-2px)}.resource-card span{color:var(--teal);font-weight:750}.doc-checklist article{background:#fff}.doc-checklist ul{padding-left:1.2rem}.doc-checklist li{margin:.35rem 0}.learning{background:var(--paper);padding:34px;border-radius:24px}.contact-card .contact-link:first-of-type{margin-top:10px}@media(max-width:680px){.author-box,.inline-cta{align-items:flex-start;flex-direction:column}.resource-links{grid-template-columns:1fr}}


/* Refined primary navigation */
nav{gap:14px}
nav>a,nav summary{white-space:nowrap}
.nav-more{position:relative}
.nav-more summary{list-style:none;cursor:pointer;font-size:14px;font-weight:650;display:flex;align-items:center;gap:6px;padding:10px 0;color:var(--ink)}
.nav-more summary::-webkit-details-marker{display:none}
.nav-more summary::after{content:"";width:7px;height:7px;border-right:1.8px solid currentColor;border-bottom:1.8px solid currentColor;transform:rotate(45deg) translateY(-2px);transition:transform .2s ease}
.nav-more[open] summary::after{transform:rotate(225deg) translate(-1px,-1px)}
.nav-more summary:hover,.nav-more.current summary,.nav-more[open] summary{color:var(--teal)}
.nav-dropdown{display:none;position:absolute;top:calc(100% + 8px);right:-18px;width:244px;padding:10px;background:#fff;border:1px solid var(--line);border-radius:15px;box-shadow:0 18px 48px #102a4324}
.nav-more[open] .nav-dropdown,.nav-more:hover .nav-dropdown,.nav-more:focus-within .nav-dropdown{display:grid}
.nav-dropdown::before{content:"";position:absolute;top:-9px;right:35px;width:16px;height:16px;background:#fff;border-left:1px solid var(--line);border-top:1px solid var(--line);transform:rotate(45deg)}
.nav-dropdown a{position:relative;padding:10px 12px;border-radius:9px;font-size:14px;line-height:1.3}
.nav-dropdown a:hover,.nav-dropdown a[aria-current=page]{background:var(--soft);color:var(--teal)}
.menu{appearance:none;border:1px solid #cddbe2;background:linear-gradient(145deg,#fff,#eef6f5);color:var(--ink);height:44px;min-width:88px;padding:0 13px;border-radius:13px;align-items:center;justify-content:center;gap:10px;font:700 14px/1 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;box-shadow:0 5px 16px #102a4312;cursor:pointer;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.menu:hover{border-color:#9cbfc0;box-shadow:0 7px 20px #102a431c;transform:translateY(-1px)}
.menu:focus-visible{outline:3px solid #147d7e33;outline-offset:2px}
.menu-icon{width:20px;height:16px;display:grid;align-content:space-between}
.menu-icon span{display:block;height:2px;border-radius:999px;background:currentColor;transition:transform .22s ease,opacity .18s ease,width .18s ease;transform-origin:center}
.menu-icon span:nth-child(2){width:14px;justify-self:end}
.menu[aria-expanded=true]{background:var(--ink);color:#fff;border-color:var(--ink)}
.menu[aria-expanded=true] .menu-icon span:first-child{transform:translateY(7px) rotate(45deg)}
.menu[aria-expanded=true] .menu-icon span:nth-child(2){opacity:0;width:0}
.menu[aria-expanded=true] .menu-icon span:last-child{transform:translateY(-7px) rotate(-45deg)}

@media(max-width:1100px){
  .top{position:relative}
  .menu{display:flex;margin-left:auto}
  nav{display:none;position:absolute;top:calc(100% + 1px);left:16px;right:16px;margin:0;background:#fff;padding:14px;flex-direction:column;align-items:stretch;gap:4px;border:1px solid var(--line);border-top:0;border-radius:0 0 18px 18px;box-shadow:0 22px 50px #102a4320;max-height:calc(100vh - 82px);overflow:auto}
  nav.open{display:flex}
  nav>a{padding:11px 12px;border-radius:10px;font-size:15px}
  nav>a:hover,nav>a[aria-current=page]{background:var(--soft)}
  .nav-more{width:100%;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin:5px 0;padding:4px 0}
  .nav-more summary{padding:11px 12px;font-size:15px;justify-content:space-between}
  .nav-more summary::after{margin-right:4px}
  .nav-dropdown{position:static;width:auto;padding:2px 6px 8px 18px;border:0;border-radius:0;box-shadow:none;background:transparent}
  .nav-dropdown::before{display:none}
  .nav-more:hover:not([open]) .nav-dropdown{display:none}
  .nav-more[open] .nav-dropdown,.nav-more:focus-within .nav-dropdown{display:grid}
  .nav-dropdown a{padding:10px 12px}
  .nav-cta{text-align:center;margin-top:6px;padding:12px 14px!important}
  body.nav-open{overflow:hidden}
}
@media(max-width:440px){
  .top{padding:11px 16px;gap:12px}
  .logo-mark{width:36px;height:36px;border-radius:9px}
  .logo strong{font-size:15px}
  .logo small{font-size:10px}
  .menu{min-width:44px;width:44px;padding:0}
  .menu-text{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
  nav{left:10px;right:10px}
}
@media(min-width:1101px){.nav-more::before{content:"";position:absolute;left:-10px;right:-10px;top:100%;height:12px}}

/* Complete guide directory on the home page */
.guide-library .section-head{margin-bottom:30px}
.guide-library .section-head>p:last-child{color:var(--muted);max-width:760px}
.guide-directory{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.guide-card{display:grid;grid-template-columns:42px 1fr 28px;align-items:start;gap:14px;padding:22px;border:1px solid var(--line);border-radius:17px;text-decoration:none;background:#fff;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.guide-card:hover{transform:translateY(-3px);border-color:#abc8c9;box-shadow:0 14px 34px #102a4314}
.guide-card:focus-visible{outline:3px solid #147d7e33;outline-offset:3px}
.guide-number{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:var(--soft);color:var(--teal);font-weight:900;font-size:.85rem}
.guide-card h3{margin:1px 0 6px;font-size:1.08rem}
.guide-card p{margin:0;color:var(--muted);font-size:.95rem;line-height:1.55}
.guide-arrow{align-self:center;color:var(--teal);font-size:1.35rem;transition:transform .2s ease}
.guide-card:hover .guide-arrow{transform:translateX(4px)}
.guide-card-cta{background:linear-gradient(135deg,var(--ink),#17415e);border-color:transparent;color:#fff}
.guide-card-cta .guide-number{background:#ffffff1c;color:#fff}
.guide-card-cta p,.guide-card-cta .guide-arrow{color:#dceaf0}
.guide-card-cta:hover{border-color:transparent;box-shadow:0 16px 38px #102a4330}

/* Copy-to-clipboard control */
.copybox-title{display:flex;align-items:flex-end;justify-content:space-between;gap:24px;margin-bottom:15px}
.copybox-title h2{margin:0 0 5px}
.copybox-title p{margin:0;color:var(--muted);max-width:620px}
.copy-template-btn{appearance:none;display:inline-flex;align-items:center;justify-content:center;gap:9px;flex:0 0 auto;border:1px solid #b9cbd5;background:#fff;color:var(--ink);min-height:44px;padding:10px 15px;border-radius:11px;font:750 14px/1 system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;cursor:pointer;box-shadow:0 5px 14px #102a4310;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease,background .18s ease,color .18s ease}
.copy-template-btn:hover{transform:translateY(-1px);border-color:var(--teal);box-shadow:0 8px 20px #102a4318}
.copy-template-btn:focus-visible{outline:3px solid #147d7e33;outline-offset:2px}
.copy-icon{position:relative;width:16px;height:17px;border:1.8px solid currentColor;border-radius:3px}
.copy-icon::before{content:"";position:absolute;width:11px;height:12px;left:-5px;top:-5px;border:1.8px solid currentColor;border-radius:3px;background:#fff}
.copy-template-btn.copied{background:var(--teal);border-color:var(--teal);color:#fff}
.copy-template-btn.copied .copy-icon::before{background:var(--teal)}
.copybox{border:1px solid transparent;transition:border-color .2s ease,box-shadow .2s ease}
.copybox:focus{outline:0;border-color:var(--teal);box-shadow:0 0 0 3px #147d7e24}
.copy-status{min-height:1.5em;margin:8px 0 0;color:var(--teal);font-size:.9rem;font-weight:700}

@media(max-width:760px){
  .guide-directory{grid-template-columns:1fr}
  .copybox-title{align-items:flex-start;flex-direction:column}
  .copy-template-btn{width:100%}
}
@media(max-width:440px){
  .guide-card{grid-template-columns:38px 1fr 20px;padding:18px;gap:11px}
  .guide-number{width:38px;height:38px}
}

/* Question-style guide headings and a stronger enquiry-checklist feature */
.guide-card h3{line-height:1.35}
.guide-final-row{grid-column:1/-1;display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.25fr);gap:14px}
.guide-card-cta{position:relative;overflow:hidden;background:linear-gradient(135deg,#f1b84c 0%,#ffd98a 58%,#f4c15d 100%);border:1px solid #d99b2f;color:var(--ink);box-shadow:0 18px 42px #b97b1f2b}
.guide-card-cta::before{content:"";position:absolute;width:210px;height:210px;right:-72px;top:-116px;border-radius:50%;background:#ffffff59;pointer-events:none}
.guide-card-cta::after{content:"READY TO ENQUIRE";position:absolute;right:22px;top:16px;padding:5px 9px;border-radius:999px;background:#102a43;color:#fff;font-size:.68rem;font-weight:900;letter-spacing:.08em;line-height:1}
.guide-card-cta>*{position:relative;z-index:1}
.guide-card-cta .guide-number{background:var(--ink);color:#fff;box-shadow:0 7px 18px #102a4330}
.guide-card-cta p{color:#29465b;max-width:600px}
.guide-card-cta .guide-arrow{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:#ffffffa8;color:var(--ink);font-weight:900}
.guide-card-cta:hover{border-color:#c98a1e;box-shadow:0 22px 50px #b97b1f3a;transform:translateY(-4px)}
.guide-cta-label{display:inline-flex;margin-top:12px;padding:8px 12px;border-radius:999px;background:var(--ink);color:#fff;font-size:.78rem;line-height:1.2;letter-spacing:.01em}
.guide-card-faq{background:linear-gradient(135deg,#fff,#f6fbfb)}
@media(max-width:760px){.guide-final-row{grid-template-columns:1fr}.guide-card-cta::after{position:static;display:inline-flex;grid-column:2;margin:0 0 8px;justify-self:start}.guide-card-cta{grid-template-columns:38px 1fr 34px}.guide-card-cta>div{grid-column:2}.guide-card-cta .guide-arrow{grid-column:3;grid-row:1/3}}
@media(max-width:440px){.guide-card-cta::after{font-size:.62rem}.guide-cta-label{font-size:.72rem}}