:root{--navy:#17324d;--blue:#2b6f92;--sky:#dceff7;--yellow:#f2cb67;--paper:#fbfcfd;--ink:#20303e;--muted:#596a78;--line:#cddbe3;--green:#376f65;--white:#fff;--shadow:0 18px 45px rgba(23,50,77,.13)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:"Segoe UI",Aptos,Arial,sans-serif;font-size:18px;line-height:1.68}
a{color:#1d668c;text-underline-offset:3px}
a:hover{color:#124c6a}
img{max-width:100%;height:auto}
.skip{position:absolute;left:-9999px;top:8px;background:#fff;color:#000;padding:10px;z-index:100}.skip:focus{left:8px}
.top-note{background:var(--navy);color:#eef7fb;text-align:center;font-size:.78rem;padding:6px 18px;letter-spacing:.01em}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-inner{max-width:1240px;margin:auto;padding:12px 24px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--navy);font-weight:800;font-family:"Trebuchet MS","Segoe UI",sans-serif;font-size:1.14rem}
.brand-mark{width:42px;height:42px;border-radius:50%;background:var(--yellow);display:grid;place-items:center;color:var(--navy);font-size:.76rem;letter-spacing:-.04em;border:3px solid #fff;box-shadow:0 0 0 2px var(--yellow)}
.main-nav{display:flex;align-items:center;gap:4px}.main-nav a{text-decoration:none;color:var(--ink);font-size:.86rem;font-weight:650;padding:8px 10px;border-radius:6px}.main-nav a:hover,.main-nav a[aria-current=page]{background:var(--sky)}
.main-nav .quote-nav{background:var(--yellow);color:var(--navy);margin-left:6px}.main-nav .quote-nav:hover{background:#e5bb50}
.menu{display:none;border:1px solid var(--line);background:#fff;border-radius:7px;padding:8px 11px;font:inherit;font-size:.88rem}
.shell{max-width:1200px;margin:auto;padding:0 24px}
.home-hero{background:var(--navy);position:relative;color:#fff;overflow:hidden}
.home-hero picture{display:block;max-height:610px}.home-hero img{display:block;width:100%;height:min(67vh,610px);object-fit:cover;object-position:center}
.home-hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,32,51,.9) 0%,rgba(10,32,51,.7) 42%,rgba(10,32,51,.12) 75%)}
.hero-copy{position:absolute;z-index:2;left:max(24px,calc((100% - 1200px)/2 + 24px));top:50%;transform:translateY(-50%);max-width:620px;padding-right:20px}
.kicker{font-weight:800;text-transform:uppercase;letter-spacing:.09em;font-size:.76rem;color:var(--yellow);margin:0 0 11px}
h1,h2,h3{font-family:"Trebuchet MS","Segoe UI",sans-serif;line-height:1.16;color:var(--navy);letter-spacing:-.018em}
.home-hero h1{color:#fff;font-size:clamp(2.25rem,5.3vw,4.8rem);max-width:11ch;margin:.08em 0 .28em}
.hero-copy>p:not(.kicker){font-size:1.12rem;line-height:1.56;max-width:570px;color:#eef6f9}
.hero-links{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.button,.finalquote{display:inline-flex;justify-content:center;align-items:center;min-height:49px;border-radius:7px;padding:11px 19px;font-weight:800;text-decoration:none;border:2px solid transparent;font-family:inherit}
.button-primary,.finalquote{background:var(--yellow);color:var(--navy)}.button-primary:hover,.finalquote:hover{background:#e4b94b;color:var(--navy)}
.button-plain{border-color:#fff;color:#fff}.button-plain:hover{background:#fff;color:var(--navy)}
.journey{background:#fff;border-bottom:1px solid var(--line)}
.journey-inner{max-width:1200px;margin:auto;padding:0 24px;display:grid;grid-template-columns:180px repeat(5,1fr);align-items:stretch}
.journey-title{padding:23px 18px 23px 0;font-size:.88rem;font-weight:800;color:var(--navy);display:flex;align-items:center}
.journey a{position:relative;padding:20px 13px 20px 24px;text-decoration:none;color:var(--ink);font-size:.83rem;font-weight:700;border-left:1px solid var(--line)}
.journey a span{display:block;font-size:.69rem;color:var(--blue);font-weight:800;text-transform:uppercase;letter-spacing:.05em}.journey a:hover{background:var(--sky)}
.intro-strip{padding:70px 0 42px;display:grid;grid-template-columns:.85fr 1.15fr;gap:75px}.intro-strip h2{font-size:clamp(1.8rem,4vw,3rem);margin:0}.intro-strip p{margin:0;color:var(--muted)}
.notebook{padding:20px 0 80px}.notebook-row{display:grid;grid-template-columns:210px 1fr;border-top:1px solid var(--line);padding:34px 0}.notebook-row:last-child{border-bottom:1px solid var(--line)}
.chapter-no{font-family:"Trebuchet MS",sans-serif;color:var(--blue);font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;font-weight:800}.chapter-no strong{display:block;font-size:3rem;line-height:1;color:var(--yellow);letter-spacing:-.06em;margin-bottom:6px}
.chapter-body h2{font-size:1.65rem;margin:0 0 18px}.chapter-links{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 34px}
.chapter-links a{display:grid;grid-template-columns:1fr auto;gap:10px;align-items:center;padding:13px 0;border-top:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:650}.chapter-links a:after{content:"→";color:var(--blue)}.chapter-links a:hover{color:var(--blue)}
.insurance-panel{background:var(--sky);border-top:7px solid var(--yellow);padding:46px 0;margin:10px 0 75px}
.insurance-inner{display:grid;grid-template-columns:1fr 420px;gap:55px;align-items:center}.insurance-panel h2{font-size:2rem;margin:0 0 10px}.insurance-panel p{margin:.45em 0}.quote-unit{background:#fff;border:1px solid #b8d1de;padding:23px;box-shadow:8px 8px 0 var(--navy)}.quote-unit .finalquote{width:100%}
.centre-button{text-align:center}.qz-tip{position:relative;display:inline-block;margin-top:10px;border-bottom:1px dotted currentColor;font-size:.74rem;color:#526879;cursor:help;outline-offset:5px}.qz-tip__bubble{position:absolute;z-index:30;right:0;bottom:calc(100% + 9px);width:min(390px,82vw);padding:13px;background:#102b42;color:#fff;text-align:left;font-size:.75rem;line-height:1.45;box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(4px);transition:.15s}.qz-tip:hover .qz-tip__bubble,.qz-tip:focus .qz-tip__bubble{opacity:1;visibility:visible;transform:none}
.commercial-note{font-size:.77rem;line-height:1.45;color:#4f6473;margin:12px 0 0}.commercial-note strong{color:var(--navy)}
.feature-photo{margin:0;padding:0}.feature-photo img{display:block;width:100%;height:360px;object-fit:cover}
.article-head{background:#fff;border-bottom:1px solid var(--line)}
.article-head-inner{max-width:1200px;margin:auto;padding:44px 24px 34px;display:grid;grid-template-columns:180px minmax(0,780px);gap:34px}
.page-tab{border-top:7px solid var(--yellow);padding-top:12px;color:var(--blue);font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em}.page-tab span{display:block;color:var(--muted);font-weight:500;text-transform:none;letter-spacing:0;margin-top:8px}
.article-head h1{font-size:clamp(2.05rem,4.6vw,3.9rem);margin:0 0 .25em;max-width:17ch}.standfirst{font-size:1.1rem;color:var(--muted);margin:0;max-width:760px}
.article-layout{max-width:1200px;margin:auto;padding:55px 24px 80px;display:grid;grid-template-columns:180px minmax(0,760px) 220px;gap:34px}
.contents{position:sticky;top:95px;align-self:start;font-size:.77rem}.contents strong{display:block;color:var(--navy);margin-bottom:8px}.contents ol{margin:0;padding-left:18px}.contents li{margin:6px 0}.contents a{color:var(--muted);text-decoration:none}.contents a:hover{color:var(--blue)}
.article{background:#fff;border-left:1px solid var(--line);border-right:1px solid var(--line);padding:6px 38px 32px}.article section{padding:30px 0}.article section+section{border-top:1px solid var(--line)}.article h2{font-size:1.62rem;margin:0 0 .65em}.article p{margin:.72em 0}.article ul{padding-left:1.2em}.article li{margin:.4em 0}
.margin-note{position:sticky;top:95px;align-self:start;background:#fff8dc;border-top:5px solid var(--yellow);padding:17px;font-size:.78rem;line-height:1.52}.margin-note strong{display:block;color:var(--navy);font-size:.9rem;margin-bottom:6px}.margin-note a{font-weight:700}
.resources{background:#eef6fa;padding:23px;margin-top:26px}.resources h2{font-size:1.25rem}.resources ul{list-style:none;padding:0;margin:0}.resources li+li{border-top:1px solid var(--line)}.resources a{display:block;padding:9px 0;text-decoration:none;font-size:.9rem;font-weight:650}
.legal-page .article{grid-column:2/4;max-width:900px}.legal-page .contents{grid-column:1}.contact-card{background:#eef6fa;border-left:6px solid var(--blue);padding:22px;margin:20px 0}
.site-footer{background:#102b42;color:#dbe7ed;padding:46px 0 28px;font-size:.76rem;line-height:1.55}.footer-main{display:grid;grid-template-columns:240px 1fr;gap:55px}.footer-brand{color:#fff;font-family:"Trebuchet MS",sans-serif;font-size:1.18rem;font-weight:800}.footer-nav{display:flex;flex-wrap:wrap;gap:8px 21px;margin:0 0 20px}.footer-nav a{color:#fff}.legal-copy p{margin:.65em 0}.copyright{border-top:1px solid rgba(255,255,255,.16);padding-top:18px;margin-top:22px;color:#aabdc8}
@media(max-width:980px){.menu{display:block}.main-nav{display:none;position:absolute;left:18px;right:18px;top:70px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);padding:12px;flex-direction:column;align-items:stretch}.main-nav.open{display:flex}.main-nav a{text-align:center}.journey-inner{grid-template-columns:1fr 1fr}.journey-title{grid-column:1/-1;padding:16px 0}.journey a{border-top:1px solid var(--line)}.intro-strip,.insurance-inner{grid-template-columns:1fr;gap:28px}.article-head-inner{grid-template-columns:1fr;gap:18px}.article-layout{grid-template-columns:1fr}.contents,.margin-note{position:static}.contents{background:#eef6fa;padding:16px}.article{border:1px solid var(--line);padding:4px 27px 28px}.legal-page .article,.legal-page .contents{grid-column:auto}.margin-note{order:3}.footer-main{grid-template-columns:1fr;gap:23px}}
@media(max-width:640px){body{font-size:17px}.header-inner,.shell{padding-left:17px;padding-right:17px}.brand-mark{width:36px;height:36px}.brand{font-size:1rem}.home-hero img{height:570px;object-position:62% center}.home-hero:after{background:linear-gradient(0deg,rgba(10,32,51,.94) 0%,rgba(10,32,51,.7) 58%,rgba(10,32,51,.18) 100%)}.hero-copy{left:17px;right:17px;top:auto;bottom:36px;transform:none;padding:0}.home-hero h1{font-size:2.48rem}.hero-copy>p:not(.kicker){font-size:1rem}.hero-links{display:grid}.journey-inner{padding:0 17px}.journey a{padding:14px 10px}.intro-strip{padding-top:50px}.notebook-row{grid-template-columns:1fr;padding:25px 0}.chapter-no{margin-bottom:17px}.chapter-no strong{display:inline;margin-right:8px;font-size:2rem}.chapter-links{grid-template-columns:1fr}.insurance-panel{padding:38px 0}.quote-unit{box-shadow:5px 5px 0 var(--navy)}.feature-photo img{height:230px}.article-head-inner{padding:31px 17px 25px}.article-head h1{font-size:2.3rem}.article-layout{padding:30px 17px 58px}.article{padding:2px 20px 24px}.article h2{font-size:1.43rem}.footer-main{padding:0 17px}.footer-nav{display:grid;grid-template-columns:1fr 1fr}.qz-tip__bubble{right:50%;transform:translate(50%,4px)}.qz-tip:hover .qz-tip__bubble,.qz-tip:focus .qz-tip__bubble{transform:translateX(50%)}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.qz-tip__bubble{transition:none}}