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@media print{.sources{break-inside:avoid}.landing-hero{background:#fff}.landing-grid{display:block}.form-panel,.landing-visual,.landing-proof,.landing-explore{display:none!important}.legal-copy{max-width:100%;margin:0}.prose p{font-size:11pt}.print-button{display:none}}
.form-fields{border:0;padding:0;margin:0;min-width:0}.form-fields:disabled{opacity:.7}
@media(max-width:680px){.landing-footer{padding-bottom:95px}.landing .mobile-cta .btn{min-height:44px}}

/* Media room + dual offices / October 2026 */
[hidden]{display:none!important}
.office-links-bar{background:#e8ebe7;border-bottom:1px solid #d6dcd6;color:var(--ink)}
.office-links-bar>.wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:43px}
.office-bar-label{font-size:14px;letter-spacing:.08em;font-weight:700}
.office-links-bar a{display:flex;align-items:center;gap:12px;font-size:16px;min-height:48px;font-weight:600}
.office-links-bar a:hover{text-decoration:underline;text-underline-offset:4px}
.location-dot{width:6px;height:6px;background:#54715a;border-radius:50%;flex-shrink:0}
.offices-section{background:#f0f1eb;border-block:1px solid var(--line);padding-block:70px}
.offices-section .section-heading>p{max-width:385px;font-size:14px}
.office-cards{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.office-card{padding:32px 36px 28px;border:1px solid #cdd4d1;background:#fafaf6;border-radius:6px;position:relative;overflow:hidden}
.office-card.blue{border-top:3px solid #304fa0}.office-card.sage{border-top:3px solid #627867}
.office-card-top{display:flex;justify-content:space-between;gap:15px;align-items:center;margin-bottom:18px}
.office-card-top .eyebrow{margin:0;font-size:10px;letter-spacing:.13em;max-width:310px}
.office-number{font:italic 35px Georgia,serif;color:#768779;line-height:1}
.office-card h3{font-size:30px;margin-bottom:20px;line-height:1.18}
.office-card h3 span{font-family:var(--serif);font-style:italic}
.office-card address,.office-address-panel address{font-style:normal;font-size:15px;line-height:1.9;color:var(--muted)}
.office-card address strong,.office-address-panel address strong{font-weight:600;color:var(--ink)}
.office-actions{display:flex;justify-content:space-between;align-items:center;gap:16px;margin-top:24px;border-top:1px solid var(--line);padding-top:14px}
.office-actions .text-link{font-size:12px;border-bottom:0;gap:14px}.map-link{font-size:12px;font-weight:600;padding:8px 0;min-height:38px;display:flex;align-items:center;gap:12px}
.map-link:hover{text-decoration:underline}
.office-cards.compact{margin-bottom:30px}
.office-address-panel{padding:45px 40px;border:1px solid #c9d2ce;border-radius:8px 8px 65px 8px;background:var(--sage)}
.office-address-panel.blue{background:var(--blue-light)}
.office-address-panel address{font-size:18px;margin-block:32px}
.office-address-panel .fine{margin-top:24px}
.office-call{font-size:26px;font-weight:500;letter-spacing:-.025em}
.office-visit-note{font-size:13px;color:var(--muted);margin:24px 0 0}
.office-region-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px}
.office-region-grid h2{font-size:44px;margin-bottom:24px}
.office-region-grid .eyebrow{font-size:10px}
.office-hero h1{font-size:clamp(43px,4.65vw,66px);margin-bottom:25px}
.office-hero .fine{margin-top:22px}
.office-hero+.section .content-card h2{font-size:27px;line-height:1.2;margin-bottom:18px}
.footer-offices{display:grid;grid-template-columns:.8fr 1fr 1fr;gap:45px;border-bottom:1px solid #496075;padding-bottom:36px;margin-bottom:46px}
.footer-offices .eyebrow{font-size:10px;letter-spacing:.12em;color:#c8d4df;margin-bottom:17px}
.footer-offices p{font-size:12px;line-height:1.7;color:#cad4dd;margin:0}
.office-footer-title{display:inline-block;font-size:16px;color:white;font-weight:500;margin-bottom:13px;line-height:1.4}
.office-footer-title:hover{text-decoration:underline;text-underline-offset:4px}
.footer-offices address{font-size:12px;line-height:1.85;color:#cfdae4;font-style:normal}
.footer-offices address strong{font-weight:500;color:#eaf0f4}
.landing-footer .footer-offices{border-color:var(--line)}
.landing-footer .footer-offices .eyebrow,.landing-footer .footer-offices p,.landing-footer .footer-offices address{color:var(--muted)}
.landing-footer .office-footer-title,.landing-footer .footer-offices address strong{color:var(--ink)}
.local-note a{text-decoration:underline;text-underline-offset:4px}
.media-hero h1{margin-bottom:28px}.media-hero .hero-grid>div:not(.media-mast)>p:not(.lead):not(.fine){max-width:515px;color:var(--muted);font-size:15px}
.media-hero .buttons{margin-block:26px}
.media-mast{padding:32px 38px 27px;background:var(--navy);color:var(--paper);border-radius:8px 8px 72px 8px;position:relative;overflow:hidden;min-height:457px;display:flex;flex-direction:column}
.mast-top{display:flex;align-items:flex-start;justify-content:space-between;gap:24px}
.mast-top .eyebrow{font-size:10px;letter-spacing:.17em;color:#c7d4e2;margin-top:5px;line-height:1.7}
/* A studio sign with a slow red-to-white light cycle. */
.mast-mark{display:inline-flex;align-items:center;justify-content:center;gap:9px;flex-shrink:0;min-height:44px;padding:10px 13px;border:2px solid currentColor;border-radius:5px;background:var(--navy);color:#ff5b5b;font:700 .875rem/1.2 Arial,sans-serif;letter-spacing:.08em;white-space:nowrap;cursor:pointer;animation:on-air-glow 2.8s ease-in-out infinite}
.on-air-light{width:7px;height:7px;border-radius:50%;background:currentColor;box-shadow:0 0 8px currentColor}
@keyframes on-air-glow{0%,20%,100%{color:#ff5b5b;box-shadow:0 0 14px #ff5b5b40,inset 0 0 8px #ff5b5b14;text-shadow:0 0 7px #ff5b5b55}50%,65%{color:#fff;box-shadow:0 0 12px #ffffff30,inset 0 0 8px #ffffff10;text-shadow:0 0 6px #ffffff45}}
.mast-mark[data-paused="true"]{animation:none}
.mast-mark:focus-visible{outline:2px solid white;outline-offset:5px}
.mast-mark:disabled{cursor:default;opacity:1}
@media(prefers-reduced-motion:reduce){.mast-mark{animation:none}}
@media print{.mast-mark{animation:none;box-shadow:none;text-shadow:none;background:white;color:#152b45}}
.mast-heading{font-size:clamp(36px,3.35vw,51px);line-height:1.13;letter-spacing:-.04em;margin:25px 0 18px}
.mast-heading em{color:#dce5d9}
.waveform{height:70px;display:flex;align-items:center;gap:5px;margin:14px 0 32px;overflow:hidden}
.waveform i{height:var(--wave);width:6px;flex:1;max-width:8px;background:#adbdb4;display:block;border-radius:4px;opacity:.85}
.waveform i:nth-child(4n){background:#e0c4ae}
.mast-person{margin-top:auto;display:flex;align-items:center;gap:19px;padding-top:22px;border-top:1px solid #496075}
.mast-person img{width:53px;height:65px;object-fit:cover;object-position:50% 10%;background:#fff;border-radius:4px}
.mast-person strong{display:block;font-size:14px;font-weight:500}.mast-person span{display:block;font-size:11px;line-height:1.65;color:#cbd6e2;margin-top:5px}
.publisher-strip{padding:30px 0 22px;background:#eceee8;border-block:1px solid var(--line)}
.publisher-strip .eyebrow{font-size:9px;margin-bottom:20px}
.publisher-strip .wrap>div{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.publisher-strip .wrap>div>span{font-size:22px;font-weight:600;letter-spacing:-.03em;line-height:1.25}
.publisher-strip .wrap>div>span:nth-child(4){font-family:var(--serif);font-style:italic;font-weight:400}
.publisher-strip .fine{font-size:10px;margin:17px 0 0}
.media-feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.media-card{border:1px solid #d0d8d6;background:#fff;padding:27px;min-width:0;display:flex;flex-direction:column;border-radius:6px;transition:box-shadow .2s,transform .2s}
.media-card:hover{transform:translateY(-3px);box-shadow:0 12px 25px #152b450b}
.media-card.featured{background:var(--blue-light);min-height:315px;border-color:#cdd5e7}
.media-card.featured:nth-child(2){background:#ecdfd4;border-color:#ddcfc4}
.media-card.featured:nth-child(3){background:var(--sage);border-color:#c6d3c9}
.media-card-top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:32px}
.media-format{font-size:10px;letter-spacing:.12em;text-transform:uppercase;font-weight:700}
.archive-tag{border:1px solid #acb9b6;border-radius:20px;font-size:8px;padding:3px 7px;letter-spacing:.1em}
.media-outlet{font-size:12px;font-weight:600;margin:0 0 11px;color:#4c5c6d}
.media-card h3{font-size:26px;line-height:1.2;margin-bottom:18px;letter-spacing:-.035em}
.media-topic{font-size:11px;color:var(--muted);margin-bottom:20px}
.media-card>.text-link{margin-top:auto;align-self:flex-start;font-size:12px;gap:16px}
.media-teaser{background:#f1f2ec;border-top:1px solid var(--line)}
.media-teaser .section-heading>div:last-child{max-width:370px}
.media-teaser .section-heading>div:last-child p{font-size:14px;color:var(--muted);margin-bottom:12px}
.media-teaser .wrap>.fine{margin:20px 0 0;font-size:11px}
.media-library{background:#f0f1eb;border-block:1px solid var(--line)}
.archive-notice{border-left:3px solid #829986;padding:18px 25px;background:#e3e9e1;margin-bottom:32px}
.archive-notice strong{font-size:14px;font-weight:600}.archive-notice p{font-size:12px;line-height:1.8;margin:7px 0 0;max-width:980px;color:#405448}
.media-controls{display:flex;gap:24px;align-items:flex-end;margin:36px 0 16px}
.media-search-field{flex:1}.media-format-field{width:240px}
.media-controls label{display:block;font-size:12px;font-weight:600;margin-bottom:8px}
.media-controls input,.media-controls select{width:100%;height:50px;padding:11px 15px;background:#fff;color:var(--ink);border:1px solid #aeb9b3;border-radius:4px;font-size:14px}
.media-controls input::placeholder{color:#66736d}
.archive-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-bottom:24px}
.archive-grid .media-card{min-height:272px}
.archive-grid .media-card h3{font-size:23px}.archive-grid .media-card-top{margin-bottom:24px}
.media-enquiries .split-grid{align-items:start}
.media-enquiries h2{margin-bottom:26px}
.media-enquiries .buttons{margin-top:25px}
.media-enquiries .btn{gap:16px}
.media-bio{padding:35px 38px;border:1px solid var(--line);background:#eeeee7}
.media-bio h3{margin-bottom:24px;font-size:30px}.media-bio p{font-size:14px;color:var(--muted);line-height:1.85}
.media-bio .pill-row{margin-block:24px;gap:7px}.media-bio .pill-row span{font-size:10px;padding:6px 9px}
@media(min-width:981px) and (max-width:1150px){.desktop-nav{gap:17px;font-size:12px}.desktop-nav .btn{padding-inline:13px}.header-inner{gap:18px}.media-mast{padding:27px 28px}.office-card{padding:28px}.office-card h3{font-size:28px}}
@media(max-width:980px){.desktop-nav{display:none}.menu-toggle{display:block}.office-bar-label{display:none}.office-links-bar>.wrap{justify-content:center;gap:55px}.office-cards{gap:19px}.office-card{padding:25px}.office-card h3{font-size:27px}.office-card address{font-size:13px}.office-card-top .eyebrow{font-size:9px}.footer-offices{gap:26px;grid-template-columns:1fr 1fr}.footer-offices>div:first-child{grid-column:1/-1}.footer-offices>div:first-child p br{display:none}.footer-offices>div:first-child .eyebrow{margin-bottom:8px}.media-mast{padding:30px;min-height:430px}.media-card{padding:22px}.media-card h3{font-size:23px}.media-card-top{margin-bottom:22px}.media-feature-grid,.archive-grid{gap:15px}.media-format{font-size:9px}.publisher-strip .wrap>div{justify-content:flex-start;gap:25px 36px}.publisher-strip .wrap>div>span{font-size:19px}.office-region-grid{gap:32px}.office-region-grid h2{font-size:36px}.office-address-panel{padding:30px}.media-bio{padding:28px}}
@media(max-width:760px){.offices-section{padding-block:54px}.office-cards{grid-template-columns:1fr}.office-card{padding:26px}.office-card address{font-size:14px}.office-card h3{font-size:31px}.office-card-top .eyebrow{font-size:9px;max-width:245px}.office-region-grid{grid-template-columns:1fr;gap:42px}.office-region-grid h2{font-size:35px}.office-address-panel address{font-size:17px}.office-hero .hero-grid{gap:32px}.media-feature-grid,.archive-grid{grid-template-columns:1fr 1fr}.media-card h3{font-size:23px}.media-mast{min-height:380px;max-width:none}.mast-heading{font-size:45px}.waveform{height:55px;gap:6px}.waveform i{max-width:10px}.media-controls{gap:15px}.media-format-field{width:180px}.publisher-strip .wrap>div{gap:18px 25px}.publisher-strip .wrap>div>span{font-size:19px}.media-teaser .section-heading{align-items:flex-start}.media-bio{padding:27px}.media-hero .hero-grid{gap:35px}}
@media(max-width:560px){.office-links-bar>.wrap{width:calc(100% - 36px);gap:12px;justify-content:space-between}.office-links-bar a{font-size:10px;gap:7px;white-space:nowrap}.office-links-bar a>span:last-child{display:none}.location-dot{width:5px;height:5px}.office-links-bar{min-height:40px}.office-cards{gap:17px}.office-card{padding:24px}.office-card h3{font-size:29px}.office-number{font-size:29px}.office-card-top{margin-bottom:17px}.office-card address{font-size:13px}.office-actions{margin-top:19px}.office-cards.compact{margin-bottom:0}.footer-offices{grid-template-columns:1fr;gap:28px;margin-bottom:32px}.footer-offices>div:first-child{grid-column:auto}.office-footer-title{font-size:17px}.footer-offices address{font-size:12px}.office-hero h1{font-size:42px}.office-address-panel{padding:28px;border-bottom-right-radius:42px}.office-address-panel address{font-size:16px}.media-feature-grid,.archive-grid{grid-template-columns:1fr;gap:17px}.media-card,.archive-grid .media-card{padding:25px;min-height:252px}.media-card.featured{min-height:280px}.media-card h3,.archive-grid .media-card h3{font-size:28px;max-width:340px}.media-card-top{margin-bottom:28px}.media-format{font-size:10px}.media-outlet{font-size:12px}.archive-tag{font-size:8px}.media-controls{flex-direction:column;align-items:stretch}.media-format-field{width:100%}.media-controls input,.media-controls select{font-size:16px}.archive-notice{padding:19px}.media-mast{min-height:380px;padding:28px 25px;border-bottom-right-radius:55px}.mast-heading{font-size:41px;margin:22px 0 14px}.mast-person{gap:14px}.mast-person strong{font-size:13px}.mast-person span{font-size:10px}.mast-top .eyebrow{font-size:9px}.media-enquiries .btn{font-size:12px;padding-inline:15px}.media-hero .fine{font-size:12px}.publisher-strip .wrap>div{gap:17px 26px}.publisher-strip .wrap>div>span{font-size:20px}.publisher-strip .eyebrow{font-size:9px}.media-bio{padding:26px}.offices-section .section-heading>p{font-size:13px}}
@media(prefers-reduced-motion:reduce){.media-card{transition:none}.media-card:hover{transform:none}}
@media print{.office-links-bar,.media-controls{display:none}.office-card,.media-card,.office-address-panel{break-inside:avoid}.media-mast{background:white;color:#152b45}.footer-offices{display:none}}

/* Direct contact across all pages */
.contact-bar{background:var(--navy);color:white}.contact-bar>.wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:12px}.contact-bar .direct-call{font-size:16px}.contact-bar strong{font-size:22px;white-space:nowrap;margin-left:8px}.contact-bar>.wrap>div{display:flex;align-items:center;gap:24px;font-size:14px}.contact-bar a:hover{text-decoration:underline}.contact-bar .contact-action{display:flex;align-items:center;justify-content:center;min-height:44px;padding:8px 16px;background:#d9edda;color:var(--navy);border-radius:4px;font-weight:700;line-height:1.35;text-align:center}@media(max-width:680px){.contact-bar>.wrap{flex-direction:column;gap:8px}.contact-bar>.wrap>div{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));align-items:stretch;gap:10px;width:100%}.contact-bar .contact-action{min-width:0;padding:8px 10px;white-space:normal;overflow-wrap:anywhere}.contact-bar strong{font-size:21px}.mobile-cta a{font-size:14px}}@media print{.contact-bar{display:none}}

/* Supplied FRF identity, displayed without colour filters or distortion. */
.header-inner{height:auto;min-height:128px;padding-block:10px}
.brand img.frf-logo,.landing-header .brand img.frf-logo{width:200px;height:auto;display:block;object-fit:contain;background:#fff}
.footer .brand img.frf-logo{width:220px;max-width:100%;height:auto;filter:grayscale(1) invert(1) brightness(2.5) contrast(1.2);mix-blend-mode:screen;opacity:1;padding:0;background:transparent}
.header{isolation:isolate}
.header .brand img.frf-logo{background:transparent;mix-blend-mode:multiply}
/* Full-width local area grid keeps all nine communities balanced. */
.local-grid{grid-template-columns:minmax(0,1fr);gap:34px}
.local-grid>div:first-child{display:grid;grid-template-columns:1fr 1fr;column-gap:48px;align-items:start}
.local-grid>div:first-child>.eyebrow{grid-column:1;grid-row:1}
.local-grid>div:first-child>h2{grid-column:1;grid-row:2 / span 3;max-width:none;margin:0}
.local-grid>div:first-child>p{grid-column:2;max-width:none;margin:0 0 14px}
.local-grid>div:first-child>p:first-of-type{grid-row:2}
.local-grid>div:first-child>.text-link{grid-column:2;justify-self:start}
.local-grid>div:last-child{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0 30px;border-top:1px solid var(--line)}
.local-grid .area-item{min-width:0;padding:22px 0;gap:12px}
.local-grid .area-item h3{font-size:24px}
.local-grid .area-item p{font-size:14px;margin:0;max-width:none}
@media(max-width:900px){.local-grid>div:last-child{grid-template-columns:repeat(2,minmax(0,1fr))}.local-grid>div:first-child{column-gap:28px}}
@media(max-width:680px){.header-inner{min-height:105px}.brand img.frf-logo,.landing-header .brand img.frf-logo{width:155px;height:auto}.local-grid>div:first-child{display:block}.local-grid>div:first-child>h2{margin-bottom:22px}.local-grid>div:last-child{grid-template-columns:1fr}.local-grid .area-item h3{font-size:26px}}

/* Original FRF lender logos, presented as one continuous, accessible strip. */
.lenders-section{background:#fff;border-block:1px solid var(--line);padding:32px 0 24px;margin:0 0 20px;scroll-margin-top:145px}
.lenders-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:24px;margin:0 0 25px}
.lenders-heading .eyebrow{font-size:.75rem;letter-spacing:.16em;margin-bottom:14px;color:var(--muted)}
.lenders-heading h2{font-size:clamp(1.75rem,2.7vw,2.25rem);line-height:1.18;letter-spacing:-.025em;margin:0}
.lenders-toggle{flex:none;min-height:44px;padding:10px 15px;border:1px solid var(--line);border-radius:4px;background:#fff;color:var(--ink);font:inherit;font-size:.875rem;cursor:pointer}
.lenders-toggle:hover{border-color:var(--ink)}
.lenders-toggle:focus-visible,.lenders-viewport:focus-visible{outline:2px solid var(--blue);outline-offset:4px}
.lenders-viewport{overflow-x:auto;overflow-y:hidden;padding-block:8px;scrollbar-width:thin}
.lenders-track{display:flex;width:max-content}
.lenders-group{display:flex;align-items:center;flex:none;gap:36px;list-style:none;margin:0;padding:0 36px 0 0}
.lender-logo{display:flex;align-items:center;justify-content:center;flex:0 0 180px;width:180px;height:108px}
.lender-logo img{display:block;width:180px;height:108px;object-fit:contain;max-width:none}
.lenders-duplicate{display:none}
.lenders-section[data-animated="true"] .lenders-viewport{overflow:hidden;mask-image:linear-gradient(to right,transparent,#000 5%,#000 95%,transparent)}
.lenders-section[data-animated="true"] .lenders-duplicate{display:flex}
.lenders-section[data-animated="true"] .lenders-track{animation:lenders-roll 36.666667s linear infinite}
.lenders-section[data-paused="true"] .lenders-track,.lenders-viewport:focus-visible .lenders-track{animation-play-state:paused}
@media(hover:hover){.lenders-viewport:hover .lenders-track{animation-play-state:paused}}
@keyframes lenders-roll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(max-width:680px){
 .lenders-section{padding-block:26px 20px;margin-bottom:10px;scroll-margin-top:120px}
 .lenders-heading{align-items:flex-start;flex-direction:column;gap:16px;margin:0 0 10px}
 .lenders-heading h2{font-size:1.75rem}
 .lenders-group{gap:22px;padding-right:22px}
 .lender-logo{flex-basis:150px;width:150px;height:90px}
 .lender-logo img{width:150px;height:90px}
 .lenders-section[data-animated="true"] .lenders-track{animation-duration:31.666667s}
}
@media(prefers-reduced-motion:reduce){
 .lenders-section[data-animated="true"] .lenders-track{animation:none;transform:none}
 .lenders-section .lenders-duplicate,.lenders-toggle{display:none}
 .lenders-section[data-animated="true"] .lenders-viewport{overflow-x:auto;mask-image:none}
}
@media print{
 .lenders-section{padding:20px 0;break-inside:avoid}
 .lenders-toggle,.lenders-section .lenders-duplicate{display:none}
 .lenders-section[data-animated="true"] .lenders-track{animation:none;transform:none;width:100%}
 .lenders-section[data-animated="true"] .lenders-viewport{overflow:visible;mask-image:none}
 .lenders-group{flex-wrap:wrap;gap:12px;padding:0}
}

/* Awards navigation: native disclosure works with mouse, touch and keyboard. */
.awards-nav{position:relative;flex:none}
.awards-nav>summary{display:flex;align-items:center;gap:8px;min-height:44px;list-style:none;cursor:pointer;white-space:nowrap}
.awards-nav>summary::-webkit-details-marker{display:none}
.nav-chevron{width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg);margin-top:-3px}
.awards-nav[open] .nav-chevron{transform:rotate(225deg);margin-top:3px}
.awards-dropdown{position:absolute;top:100%;right:-16px;z-index:40;width:260px;max-height:min(65vh,440px);overflow:auto;background:white;border:1px solid var(--line);border-radius:6px;padding:8px;box-shadow:0 12px 30px #152b4514}
.awards-dropdown a{display:block;font-size:.875rem;line-height:1.5;padding:11px 14px;border-radius:3px}
.awards-dropdown a:hover,.awards-dropdown a:focus-visible{background:var(--blue-light)}
.awards-dropdown .awards-nav-all{font-weight:700;border-bottom:1px solid var(--line);border-radius:0;margin-bottom:4px}

/* The awards rail deliberately runs left to right, opposite the lender rail. */
.awards-strip{background:#fff;border-block:1px solid var(--line);padding:32px 0 24px;margin:0 0 20px;scroll-margin-top:145px}
.awards-strip-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:24px}
.awards-strip-heading .eyebrow{font-size:.75rem;margin-bottom:12px;color:#786132}
.awards-strip-heading h2{font-size:clamp(1.75rem,2.7vw,2.25rem);line-height:1.18;letter-spacing:-.025em;margin:0}
.awards-strip-actions{display:flex;align-items:center;gap:20px;flex:none}
.awards-strip-actions .text-link{font-size:.875rem;margin:0;white-space:nowrap}
.awards-pause,.awards-expand{font:inherit;font-size:.875rem;min-height:44px;background:transparent;border:1px solid var(--line);border-radius:4px;color:var(--ink);padding:10px 14px;cursor:pointer}
.awards-pause:hover,.awards-expand:hover{border-color:var(--ink)}
.awards-viewport{overflow-x:auto;overflow-y:hidden;scrollbar-width:thin;padding-block:8px}
.awards-logo-track{display:flex;width:max-content}
.awards-logo-group{display:flex;flex:none;gap:24px;list-style:none;padding:0 24px 0 0;margin:0}
.awards-logo-group li{width:164px;flex:0 0 164px;text-align:center}
.award-logo-link{display:flex;flex-direction:column;align-items:center;padding:6px;border-radius:4px;color:var(--ink)}
.award-logo-image{height:138px;width:146px;display:flex;align-items:center;justify-content:center}
.award-logo-image img{width:auto;height:auto;max-width:128px;max-height:128px}
.award-logo-year{font-size:.875rem;font-weight:700;margin-top:8px}
.award-logo-status{font-size:.75rem;color:var(--muted);line-height:1.5;margin-top:3px}
.awards-logo-duplicate{display:none}
.awards-strip[data-animated="true"] .awards-viewport{overflow:hidden;mask-image:linear-gradient(to right,transparent,#000 3%,#000 97%,transparent)}
.awards-strip[data-animated="true"] .awards-logo-duplicate{display:flex}
.awards-strip[data-animated="true"] .awards-logo-track{animation:awards-roll-right 33.333333s linear infinite}
.awards-strip[data-paused="true"] .awards-logo-track,.awards-viewport:focus-within .awards-logo-track{animation-play-state:paused}
@media(hover:hover){.awards-viewport:hover .awards-logo-track{animation-play-state:paused}}
@keyframes awards-roll-right{from{transform:translateX(-50%)}to{transform:translateX(0)}}

/* Detailed award history. All records remain in the page's native disclosures. */
.awards-hero{padding-block:58px 65px}
.awards-intro-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:70px;align-items:center}
.awards-intro-grid h1{font-size:clamp(3.25rem,6vw,5.5rem);line-height:1.04;margin-bottom:26px}
.awards-intro-grid .eyebrow{font-size:.75rem}
.awards-intro-grid .lead{max-width:620px}
.awards-intro-note{font-size:1rem;line-height:1.7;color:var(--muted);max-width:570px}
.award-feature{display:flex;flex-direction:column;align-items:center;text-align:center;background:#fff;border:1px solid var(--line);border-top:3px solid #b69a58;border-radius:var(--radius);padding:34px 26px;gap:24px}
.award-feature>img{width:190px;height:190px;object-fit:contain}
.award-feature h2{font-size:1.75rem;letter-spacing:-.025em;line-height:1.2;margin:18px 0 12px}
.award-feature p{font-size:1rem;color:var(--muted);line-height:1.6;margin:0}
.awards-history{background:#fff;border-top:1px solid var(--line);padding-block:60px 80px;scroll-margin-top:145px}
.award-history-heading{display:flex;justify-content:space-between;align-items:flex-end;gap:30px;margin-bottom:36px}
.award-history-heading .eyebrow{font-size:.75rem;margin-bottom:14px}
.award-history-heading h2{font-size:clamp(2rem,3.3vw,2.75rem);margin:0;line-height:1.2}
.awards-expand{flex:none}
.award-year{border-top:1px solid var(--line);scroll-margin-top:145px}
.award-year:last-child{border-bottom:1px solid var(--line)}
.award-year>summary{list-style:none;cursor:pointer;display:flex;align-items:center;gap:24px;padding:26px 4px}
.award-year>summary::-webkit-details-marker{display:none}
.award-year-number{font-size:2.15rem;letter-spacing:-.04em;line-height:1.1}
.award-year-count{font-size:.875rem;color:var(--muted)}
.award-year-toggle{margin-left:auto;width:32px;text-align:center;font-size:1.65rem;line-height:1}
.award-year-toggle::after{content:'+'}
.award-year[open] .award-year-toggle::after{content:'−'}
.award-year-content{padding:0 4px 30px}
.award-year-content.with-logos{display:grid;grid-template-columns:minmax(0,1fr) minmax(240px,.65fr);gap:48px}
.award-entries{margin:0;list-style:none;padding:0}
.award-entry{padding:24px 0;border-bottom:1px solid var(--line)}
.award-entry:first-child{padding-top:8px}
.award-entry:last-child{border-bottom:0}
.award-entry h3{font-size:1.25rem;line-height:1.5;letter-spacing:-.012em;margin:12px 0 0;max-width:760px}
.award-status{display:inline-block;font-size:.75rem;letter-spacing:.04em;font-weight:700;padding:6px 10px;border-radius:3px;line-height:1.5}
.award-status.winner{background:#f5edd9;color:#6c501a}
.award-status.finalist{background:#e9eef5;color:#244568}
.award-status.recognition{background:#eef0ed;color:#405045}
.award-year-logos{display:flex;flex-wrap:wrap;align-items:center;justify-content:flex-end;align-content:flex-start;gap:18px;padding-top:8px}
.award-history-logo{display:flex;width:142px;height:154px;align-items:center;justify-content:center}
.award-history-logo img{width:auto;height:auto;max-width:142px;max-height:154px}
@media(max-width:1100px){
 .awards-strip-heading{align-items:flex-start;flex-direction:column;gap:20px}
 .awards-intro-grid{gap:40px}
 .award-year-content.with-logos{gap:24px}
}
@media(max-width:980px){
 .mobile-nav.open{max-height:calc(100dvh - 150px);overflow-y:auto}
 .mobile-nav .awards-nav{width:100%}
 .mobile-nav .awards-nav>summary{padding:16px 0;border-bottom:1px solid var(--line);font-size:1.125rem;justify-content:space-between}
 .mobile-nav .awards-dropdown{position:static;width:100%;max-height:none;margin-block:8px;box-shadow:none}
 .mobile-nav .awards-dropdown a{font-size:.875rem;padding:11px 14px}
}
@media(max-width:680px){
 .awards-strip{padding-block:26px 20px;margin-bottom:10px;scroll-margin-top:120px}
 .awards-strip-heading{gap:16px;margin-bottom:16px}
 .awards-strip-heading h2{font-size:1.75rem}
 .awards-strip-actions{flex-wrap:wrap;gap:14px}
 .awards-logo-group{gap:18px;padding-right:18px}
 .awards-logo-group li{width:142px;flex-basis:142px}
 .award-logo-image{height:122px;width:130px}
 .award-logo-image img{max-width:112px;max-height:112px}
 .awards-strip[data-animated="true"] .awards-logo-track{animation-duration:30s}
 .awards-hero{padding-block:35px 42px}
 .awards-intro-grid{grid-template-columns:1fr;gap:30px}
 .awards-intro-grid h1{font-size:3.25rem}
 .award-feature{padding:26px 20px;gap:20px}
 .award-feature>img{width:155px;height:155px}
 .award-feature h2{font-size:1.5rem}
 .award-history-heading{align-items:flex-start;flex-direction:column;gap:20px}
 .award-history-heading h2{font-size:2rem}
 .awards-history{padding-block:40px 50px;scroll-margin-top:120px}
 .award-year{scroll-margin-top:120px}
 .award-year>summary{gap:16px;padding-block:22px}
 .award-year-number{font-size:1.875rem}
 .award-year-count{font-size:.875rem}
 .award-year-content.with-logos{grid-template-columns:1fr;gap:15px}
 .award-entry h3{font-size:1.125rem}
 .award-year-logos{justify-content:flex-start;gap:12px}
 .award-history-logo{width:124px;height:138px}
 .award-history-logo img{max-width:124px;max-height:138px}
}
@media(prefers-reduced-motion:reduce){
 .awards-strip[data-animated="true"] .awards-logo-track{animation:none;transform:none}
 .awards-strip .awards-logo-duplicate,.awards-pause{display:none}
 .awards-strip[data-animated="true"] .awards-viewport{overflow-x:auto;mask-image:none}
}
@media print{
 .awards-strip .awards-logo-duplicate,.awards-pause,.awards-expand{display:none}
 .awards-strip[data-animated="true"] .awards-logo-track{animation:none;transform:none;width:100%}
 .awards-strip[data-animated="true"] .awards-viewport{overflow:visible;mask-image:none}
 .awards-logo-group{flex-wrap:wrap}
 .award-year-content.with-logos{display:block}
 .award-year-logos{justify-content:flex-start}
}

/* Original FRF homepage photograph, framed around the family. */
.hero-photo>img{height:620px;object-position:50% 50%}
.hero-photo .art-label{background:var(--paper);padding:9px 12px;border-radius:2px;left:20px;top:20px}
@media(max-width:680px){
  .hero-photo>img{height:330px;object-position:50% 50%}
  .hero-photo .art-label{left:14px;top:14px}
  .hero-photo .art-note{position:relative;right:auto;bottom:auto;margin:-34px 14px 0 auto}
}

/* Homepage message: keep the full promise readable alongside the family photo. */
.hero-copy h1.hero-human-title{font-size:clamp(44px,5.6vw,76px);line-height:1.04}
.hero-human-title em{display:block}
.hero-human-title .hero-trust-line{display:block;margin-top:18px;font-family:var(--sans);font-size:clamp(20px,2vw,26px);line-height:1.35;letter-spacing:-.02em}
.hero-copy .lead.hero-introduction{font-size:18px;line-height:1.6;margin-top:24px;margin-bottom:20px}
.hero-copy .hero-purpose{font-size:16px;line-height:1.6;margin-top:0;margin-bottom:26px}
@media(max-width:680px){
  .hero-copy .lead.hero-introduction{font-size:17px}
  .hero-human-title .hero-trust-line{margin-top:16px}
}

/* Matching, narrower homepage ribbons with breathing room at each side. */
.awards-strip,.lenders-section{max-width:1120px;width:calc(100% - 112px);margin-inline:auto}
.awards-strip>.wrap,.lenders-section>.wrap{width:calc(100% - 64px);max-width:none}
@media(max-width:1150px){
  .awards-strip,.lenders-section{width:calc(100% - 72px)}
}
@media(max-width:900px){
  .lenders-heading{align-items:flex-start;flex-direction:column;gap:16px}
}
@media(max-width:680px){
  .awards-strip,.lenders-section{width:calc(100% - 24px)}
  .awards-strip>.wrap,.lenders-section>.wrap{width:calc(100% - 32px)}
}

/* White footer branding on navy; disclosures span the full content width. */
.footer{isolation:isolate}
.footer p.footer-legal{width:100%;max-width:none;font-size:11px;line-height:1.65}

.complaints-copy a{overflow-wrap:anywhere}

/* Six distinct journeys, in one left-to-right row. */
#your-next-step{scroll-margin-top:145px;padding-top:48px}
.journey-grid{grid-template-columns:repeat(6,minmax(0,1fr));gap:12px}
.journey-card{min-width:0;min-height:330px;padding:24px 19px;border-color:transparent;background:#143e34;color:#f7f7ee}
.journey-card:nth-child(2){background:#59633e}
.journey-card:nth-child(3){background:#a5b98c}
.journey-card:nth-child(4){background:#bdceab}
.journey-card:nth-child(5){background:#d2dfc3}
.journey-card:nth-child(6){background:#e8efdc}
.journey-card:nth-child(n+3){color:#173d2d}
.journey-card .card-number{font-size:10px;letter-spacing:.08em;margin-bottom:34px;color:inherit}
.journey-card h3{font-size:clamp(21px,1.75vw,25px);line-height:1.15;min-height:2.3em;margin-bottom:17px}
.journey-card p{font-size:15px;line-height:1.65;max-width:none;margin-bottom:28px;color:inherit}
.journey-cta{font-size:13px;font-weight:700;align-self:flex-start;margin-top:auto;padding-bottom:4px;border-bottom:1px solid currentColor}
.journey-card:hover{border-color:currentColor}
.journey-hint{display:none}

/* Dedicated self-employed home lending and SME / asset finance pages. */
.finance-hero{padding:50px 0 80px}
.finance-hero-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:70px;align-items:center}
.finance-hero-copy h1{font-size:clamp(42px,5.1vw,70px);line-height:1.06}
.finance-hero-copy h1 em{color:var(--blue)}
.finance-hero-copy .lead{margin:28px 0 30px;font-size:18px;max-width:610px}
.finance-focus{background:var(--blue);color:white;border-radius:6px 6px 60px 6px;padding:34px}
.finance-business .finance-focus{background:var(--ink)}
.finance-focus>.eyebrow{color:#e1e8fa;margin-bottom:18px}
.finance-focus h2{font-size:30px;line-height:1.15;letter-spacing:-.035em}
.finance-focus ul{list-style:none;margin:24px 0;padding:0}
.finance-focus li{padding:15px 0;border-top:1px solid #ffffff35}
.finance-focus li strong,.finance-focus li span{display:block}
.finance-focus li strong{font-size:16px;margin-bottom:4px;font-weight:600}
.finance-focus li span{font-size:14px;color:#e1e8fa;line-height:1.6}
.finance-adviser{display:flex;align-items:center;gap:14px;border-top:1px solid #ffffff35;padding-top:24px}
.finance-adviser img{width:56px;height:56px;object-fit:cover;object-position:50% 15%;border-radius:50%;flex:none}
.finance-adviser p{margin:0;font-size:12px;line-height:1.6}
.finance-adviser p strong,.finance-adviser p span{display:block}
.finance-adviser p span{color:#e1e8fa}
.finance-options{background:#eef1f5;padding-block:75px}
.finance-option-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.finance-option{background:#fff;border-radius:6px;padding:30px 32px;border-top:3px solid #304fa0}
.finance-option:last-child:nth-child(odd){grid-column:1/-1}
.finance-option .eyebrow{color:var(--blue);margin-bottom:18px}
.finance-option h3{font-size:27px;line-height:1.2;margin-bottom:16px}
.finance-option p{font-size:16px;line-height:1.75;color:#405266;margin:0;max-width:870px}
.finance-detail-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,.75fr);gap:80px;align-items:start}
.finance-details .prose{margin-top:32px}
.finance-details .prose h3{margin-top:28px}
.finance-checklist{background:#e5eaf5;padding:34px;border-radius:6px}
.finance-checklist h3{font-size:29px;line-height:1.15;margin-bottom:25px}
.finance-checklist ul{padding-left:20px;margin:0 0 25px}
.finance-checklist li{font-size:15px;line-height:1.75;margin-bottom:13px;padding-left:4px}
.finance-checklist p{color:#405266;font-size:14px;line-height:1.7}
.finance-checklist .btn{max-width:100%}
.finance-related{background:#e5eaf5;padding:28px 0}
.finance-related>.wrap{display:flex;align-items:center;justify-content:space-between;gap:25px}
.finance-related p{margin:0;font-size:18px}
.finance-related .text-link{flex-shrink:0}
.finance-sources{padding-block:35px 50px}
.finance-sources>p{font-size:14px;font-weight:600;margin-bottom:10px}
.finance-sources ul{list-style:none;display:flex;flex-wrap:wrap;gap:8px 24px;margin:0 0 18px;padding:0}
.finance-sources li{font-size:12px;color:var(--muted)}
.finance-sources a{text-decoration:underline;text-underline-offset:3px}
.finance-sources small{font-size:12px;color:var(--muted);display:block}
@media(max-width:1199px){
  .journey-grid{grid-template-columns:repeat(6,minmax(220px,1fr));overflow-x:auto;overscroll-behavior-x:contain;scroll-snap-type:x proximity;scrollbar-width:thin;scrollbar-color:#8597b6 transparent;padding:8px 4px 18px;margin:-8px -4px 0}
  .journey-card{scroll-snap-align:start;min-height:305px;padding:25px 23px}
  .journey-card h3{font-size:26px}
  .journey-card .card-number{font-size:10px;margin-bottom:30px}
  .journey-hint{display:block;font-size:12px;color:var(--muted);margin:10px 0 0}
  .finance-hero-grid{gap:40px}
  .finance-focus{padding:28px}
  .finance-detail-grid{gap:45px}
}
@media(max-width:800px){
  .finance-hero{padding:38px 0 55px}
  .finance-hero-grid,.finance-detail-grid{grid-template-columns:minmax(0,1fr);gap:36px}
  .finance-hero-copy h1{font-size:clamp(41px,7vw,60px)}
  .finance-focus{padding:30px}
  .finance-option-grid{gap:16px}
  .finance-option{padding:25px}
  .finance-option h3{font-size:25px}
  .finance-options{padding-block:55px}
  .finance-related>.wrap{align-items:flex-start;flex-direction:column;gap:12px}
}
@media(max-width:560px){
  .journey-grid{grid-template-columns:repeat(6,86%);gap:12px}
  .journey-card{padding:26px 24px;min-height:310px}
  .journey-card h3{font-size:28px}
  .journey-card p{font-size:16px}
  .journey-card .card-number{font-size:11px;margin-bottom:30px}
  .journey-cta{font-size:14px}
  .finance-hero-copy h1{font-size:40px}
  .finance-hero-copy .eyebrow{font-size:10px}
  .finance-hero-copy .lead{font-size:17px;margin:23px 0}
  .finance-hero-copy .buttons{gap:16px;align-items:flex-start;flex-direction:column}
  .finance-hero-copy .btn{font-size:13px;padding-inline:18px}
  .finance-focus{padding:26px 24px;border-bottom-right-radius:42px}
  .finance-focus h2{font-size:27px}
  .finance-option-grid{grid-template-columns:minmax(0,1fr)}
  .finance-option{padding:25px 24px}
  .finance-checklist{padding:27px 24px}
  .finance-sources ul{display:block}
  .finance-sources li{margin-bottom:9px}
  .finance-sources{padding-block:30px 40px}
}
@media(prefers-reduced-motion:reduce){.journey-card{transition:none}.journey-card:hover{transform:none}}
@media print{.journey-grid{grid-template-columns:repeat(3,1fr);overflow:visible}.journey-hint{display:none}.finance-focus,.finance-checklist,.finance-option{break-inside:avoid}}

/* The reading room: original topic guides and a clear reading hierarchy. */
.learn-hero .lead{max-width:740px}
.topic-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.topic-card{display:flex;flex-direction:column;min-width:0;padding:28px 26px;background:#e8eef9;border-radius:6px;border-top:3px solid var(--blue);transition:background .18s}
.topic-card:nth-child(4n+2){background:#e7e9f5}
.topic-card:nth-child(4n+3){background:#e2edea}
.topic-card:nth-child(4n+4){background:#f3e6dd}
.topic-card:hover{background:#dbe5f6}
.topic-number{font-size:12px;letter-spacing:.12em;color:var(--muted);margin-bottom:25px}
.topic-card h3{font-size:27px;line-height:1.16;margin-bottom:18px}
.topic-card p{font-size:16px;line-height:1.65;color:#405266;margin-bottom:25px}
.topic-read{align-self:flex-start;border-bottom:1px solid currentColor;font-size:14px;font-weight:600;margin-top:auto;padding-bottom:4px}
.learn-foundations{background:#eeeee9}
.topic-hero{padding:48px 0 40px}
.topic-hero h1{font-size:clamp(42px,5.2vw,72px);line-height:1.06;max-width:930px}
.topic-hero .lead{max-width:890px;font-size:19px;margin:25px 0 22px}
.topic-meta{display:flex;flex-wrap:wrap;gap:10px 24px;font-size:12px;color:var(--muted)}
.topic-meta a{text-decoration:underline;text-underline-offset:3px}
.topic-takeaways{padding:27px 32px 30px;background:var(--ink);color:#fff;border-radius:6px}
.topic-takeaways h2{font-size:20px;letter-spacing:-.02em;margin-bottom:20px}
.topic-takeaways ul{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;margin:0;padding:0;list-style:none}
.topic-takeaways li{font-size:16px;line-height:1.65;border-top:1px solid #ffffff4d;padding-top:15px;color:#e9eff7}
.topic-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:90px;padding-block:60px 75px;align-items:start}
.topic-copy>section{scroll-margin-top:170px;margin-bottom:42px}
.topic-copy{max-width:780px}
.topic-copy>section:last-child{margin-bottom:0}
.topic-copy h2{font-size:32px;line-height:1.18;margin-top:0}
.topic-copy p,.topic-copy li{font-size:17px;line-height:1.8}
.topic-copy .topic-citation{font-size:12px;line-height:1.7;color:var(--muted);margin-top:18px}
.topic-citation a{display:inline;text-underline-offset:2px}
.topic-toc{border-block:1px solid #b9c4d1;padding-block:23px}
.topic-toc h2,.topic-checklist h2{font-size:23px;line-height:1.2;margin-bottom:20px}
.topic-toc ol{list-style:none;padding:0;margin:0}
.topic-toc li+li{margin-top:12px}
.topic-toc a{font-size:14px;line-height:1.55;display:block;text-decoration:underline;text-underline-offset:4px}
.topic-checklist{background:#e5eaf5;border-radius:6px;padding:26px;margin-top:28px}
.topic-checklist ul{padding-left:18px;margin:0 0 23px}
.topic-checklist li{font-size:14px;line-height:1.7;margin-bottom:12px}
.topic-checklist p{font-size:14px;line-height:1.65;color:#405266}
.topic-checklist .btn{font-size:14px;width:100%;padding-inline:15px}
.topic-copy .topic-faq{border-bottom:0}
.topic-faq details{padding:0;border-bottom:1px solid var(--line)}
.topic-copy .topic-faq summary{font-size:17px;line-height:1.5;padding-block:22px}
.topic-faq details[open]>summary::after{content:'\2212'}
.topic-copy .topic-faq p{font-size:16px;line-height:1.75;padding-right:25px}
.topic-copy .topic-references{border-top:1px solid var(--line);padding-top:30px}
.topic-copy .topic-references h2{font-size:25px}
.topic-copy .topic-references p,.topic-copy .topic-references li{font-size:14px;line-height:1.75}
.topic-copy .topic-references .topic-disclaimer{font-size:12px;margin:25px 0 0;color:var(--muted)}
.topic-related{padding:45px 0;background:#e9edf4}
.topic-related .eyebrow{margin-bottom:16px}
.topic-related h2{font-size:33px;margin-bottom:26px}
.topic-related .wrap>div{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-bottom:25px}
.topic-related .wrap>div a{padding:20px;background:#fff;border-radius:4px;font-size:17px;line-height:1.4;border-bottom:2px solid #9fafd0}
.topic-related .wrap>div a:hover{border-color:var(--blue)}
#home-loan-guides,#lending-basics{scroll-margin-top:165px}
@media(max-width:1150px){.topic-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.topic-layout{gap:45px;grid-template-columns:minmax(0,1fr) 270px}.topic-takeaways ul{gap:25px}}
@media(max-width:800px){
  .topic-layout{grid-template-columns:minmax(0,1fr);gap:35px;padding-top:35px}
  .topic-sidebar{display:contents}
  .topic-toc{grid-row:1}
  .topic-toc ol{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 22px}
  .topic-toc li+li{margin-top:0}
  .topic-copy{grid-row:2}
  .topic-checklist{grid-row:3;margin-top:0}
  .topic-takeaways ul{grid-template-columns:minmax(0,1fr);gap:16px}
  .topic-related .wrap>div{grid-template-columns:minmax(0,1fr);gap:12px}
}
@media(max-width:560px){
  .topic-grid{grid-template-columns:minmax(0,1fr);gap:16px}
  .topic-card{padding:25px}
  .topic-card h3{font-size:28px}
  .topic-number{margin-bottom:19px}
  .topic-hero{padding:35px 0 30px}
  .topic-hero h1{font-size:42px;overflow-wrap:break-word}
  .topic-hero .lead{font-size:17px;margin-top:22px}
  .topic-meta{flex-direction:column;gap:6px}
  .topic-takeaways{padding:25px}
  .topic-takeaways li{font-size:16px}
  .topic-toc ol{grid-template-columns:minmax(0,1fr)}
  .topic-copy h2{font-size:29px}
  .topic-copy p,.topic-copy li{font-size:16px}
  .topic-layout{padding-bottom:50px}
  .topic-related{padding-block:35px}
}
@media print{.topic-layout{display:block}.topic-sidebar,.topic-related{display:none}.topic-takeaways{background:#fff;color:var(--ink)}.topic-takeaways li{color:var(--ink)}}

/* Profession guides extend the FRF blues with a distinct medico palette. */
.learn-jumps{display:flex;flex-wrap:wrap;gap:12px 25px;margin-top:28px;max-width:960px;padding-top:20px;border-top:1px solid var(--line)}
.topic-definition{max-width:850px;font-size:14px;line-height:1.7;color:var(--muted);margin:0 0 22px}
.learn-jumps a{font-size:14px;font-weight:600;line-height:1.5;text-decoration:underline;text-underline-offset:5px;padding-block:5px}
.topic-group{padding-block:65px;scroll-margin-top:165px}
.topic-group .section-heading h2{font-size:clamp(34px,3.6vw,49px)}
.topic-group .section-heading>p{max-width:410px}
.topic-group:nth-of-type(even){background:#f1f3f4}
.topic-grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.topic-grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.topic-card.theme-medico{background:#e2f0f0;border-top-color:#176775}
.topic-card.theme-medico:hover{background:#d6e9eb}
.topic-card.theme-emergency{background:#e2eaf8;border-top-color:#304fa0}
.topic-card.theme-emergency:hover{background:#d6e2f7}
.topic-card.theme-professional{background:#e6e8f3;border-top-color:#33427d}
.topic-card.theme-professional:hover{background:#dadff0}
.topic-card.theme-circumstances{background:#f1e7df;border-top-color:#806857}
.topic-card.theme-circumstances:hover{background:#eaddd2}
.topic-guide.theme-medico .topic-hero{background:#e9f2f1;margin-top:24px;border-top:3px solid #176775}
.topic-guide.theme-medico .topic-hero>.wrap>.eyebrow{color:#145c68}
.topic-guide.theme-medico .topic-takeaways{margin-top:30px;background:#164855}
.topic-guide.theme-medico .topic-checklist{background:#e2f0f0}
.topic-guide.theme-emergency .topic-hero{border-top:3px solid #304fa0;margin-top:24px;background:#eef2fa}
.topic-guide.theme-emergency .topic-takeaways,.topic-guide.theme-professional .topic-takeaways,.topic-guide.theme-circumstances .topic-takeaways{margin-top:30px}
.topic-guide.theme-professional .topic-hero{border-top:3px solid #33427d;margin-top:24px;background:#eef0f7}
.topic-guide.theme-circumstances .topic-hero{border-top:3px solid #806857;margin-top:24px;background:#f3ede7}
@media(max-width:1150px){.topic-grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.topic-grid-3 .topic-card{padding:26px 22px}.topic-grid-3 .topic-card h3{font-size:25px}}
@media(max-width:800px){.topic-grid-3{grid-template-columns:minmax(0,1fr)}.topic-group{padding-block:50px}.topic-group .section-heading{align-items:flex-start}.topic-group .section-heading>p{max-width:none}}
@media(max-width:560px){.learn-jumps{gap:8px 18px}.topic-grid-2{grid-template-columns:minmax(0,1fr)}.topic-grid-3 .topic-card{padding:25px}.topic-grid-3 .topic-card h3{font-size:28px}.topic-group .section-heading h2{font-size:34px}}
@media print{.learn-jumps{display:none}}

/* Direct-link appointment preparation: a calm, practical client guide. */
.appointment-page{--appointment-teal:#176775}
.appointment-page p,.appointment-page li{font-size:16px;line-height:1.75}
.appointment-page .eyebrow,.appointment-number{font-size:12px;letter-spacing:.13em;font-weight:700}
.appointment-hero{padding:45px 0 55px}
.appointment-intro{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,.8fr);gap:65px;align-items:center}
.appointment-intro h1{font-size:clamp(43px,4.6vw,66px);line-height:1.07;max-width:790px}
.appointment-intro h1 em{color:var(--blue)}
.appointment-intro .lead{font-size:19px;margin:26px 0 18px;max-width:650px}
.appointment-intro>div>p:not(.lead){max-width:580px;color:var(--muted)}
.appointment-intro .btn{margin-top:8px;font-size:15px}
.appointment-overview{background:#e5eaf5;padding:30px;border:1px solid #d2dcef;border-radius:24px}
.appointment-overview .eyebrow{margin-bottom:20px;line-height:1.6}
.appointment-overview ol{list-style:none;padding:0;margin:0}
.appointment-overview li{padding:0;border-top:1px solid #b8c5dc}
.appointment-overview li>a{display:flex;align-items:flex-start;gap:16px;padding:17px 0;border-radius:6px}
.appointment-overview li>a:hover strong{text-decoration:underline;text-underline-offset:4px}
.appointment-overview li>a>span{flex:0 0 53px;font-size:14px;font-weight:700;color:var(--blue);line-height:1.7}
.appointment-overview strong{font-size:17px;font-weight:600;line-height:1.4;display:block}
.appointment-overview li p{margin:3px 0 0;font-size:15px;line-height:1.6;color:#43566d}
.appointment-overview .appointment-reassurance{border-top:1px solid #b8c5dc;padding-top:19px;margin:0;font-size:15px}
.appointment-section{padding:70px 0;scroll-margin-top:165px}
.appointment-steps{display:grid;gap:30px;padding-bottom:15px}
.appointment-step{padding:44px;border-radius:26px;border:1px solid #d5deec;position:relative}
.appointment-step>.wrap{width:100%;max-width:none}
.appointment-step+.appointment-step::before{content:'';position:absolute;top:-31px;left:72px;height:30px;border-left:2px solid #b6c7db}
.appointment-conversation{background:#edf1fa}
.appointment-step-label{display:flex;align-items:center;gap:17px;grid-column:1/-1;margin-bottom:10px;font-size:15px;font-weight:600;line-height:1.5}
.appointment-step-badge{display:inline-flex;align-items:center;justify-content:center;flex-shrink:0;padding:9px 16px;min-height:42px;background:var(--blue);border-radius:13px;color:white;font-size:16px;font-weight:700;letter-spacing:0}
.appointment-heading{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.78fr);gap:18px 65px;margin-bottom:38px;align-items:end}
.appointment-number{display:block;grid-column:1/-1;margin-bottom:1px;color:var(--blue);line-height:1.6}
.appointment-heading h2{font-size:clamp(35px,3.6vw,49px);line-height:1.12}
.appointment-heading>p{margin:0;max-width:530px;color:var(--muted)}
.appointment-discussion-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:30px}
.appointment-discussion-grid article{border-top:2px solid #b3c2dc;padding-top:24px}
.appointment-discussion-grid h3{font-size:24px;line-height:1.2;margin-bottom:18px}
.appointment-discussion-grid p{margin:0;color:var(--muted)}
.appointment-documents{background:#f3f4f8}
.appointment-document-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;align-items:stretch}
.appointment-document-card{background:#fff;padding:27px 24px;border-radius:16px}
.appointment-document-card .eyebrow{font-size:12px;letter-spacing:.08em;margin-bottom:15px;line-height:1.6;color:var(--blue)}
.appointment-document-card h3{font-size:29px;line-height:1.17;margin-bottom:22px}
.appointment-document-card>p{margin:22px 0 0;color:var(--muted);font-size:15px}
.appointment-document-card .text-link{margin-top:15px;font-size:14px;line-height:1.5}
.appointment-check{display:flex;align-items:flex-start;gap:12px;padding:18px 0;border-top:1px solid var(--line);cursor:pointer}
.appointment-check input{flex:0 0 20px;width:20px;height:20px;margin:3px 0 0;accent-color:var(--blue)}
.appointment-check strong{font-size:16px;font-weight:600;line-height:1.5;display:block}
.appointment-check small{display:block;font-size:14px;line-height:1.7;color:var(--muted);margin-top:6px}
.appointment-check:has(input:checked){background:#eef4f2}
.appointment-document-note{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.4fr);gap:35px;padding-top:32px;margin-top:30px;border-top:1px solid #bdc8d9}
.appointment-document-note h3{font-size:26px;line-height:1.2;max-width:350px}
.appointment-document-note p{margin:0}
.appointment-secure-note{background:#e1e7ef;border-left:3px solid var(--blue);border-radius:12px;padding:23px 26px;margin-top:30px}
.appointment-secure-note strong{font-weight:600;font-size:17px}
.appointment-secure-note p{margin:8px 0 0;font-size:15px;max-width:1000px}
.appointment-frollo{background:#e3eeed;color:var(--ink);border-color:#c7dcdb}
.appointment-frollo .appointment-step-badge{background:var(--appointment-teal)}
.appointment-frollo .appointment-heading>p{color:#405b67}
.appointment-frollo h2 em,.appointment-frollo .appointment-cdr-heading em{color:#176775}
.appointment-frollo-benefits{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:36px}
.appointment-frollo-benefits article{border-top:1px solid #a8c6c5;padding-top:23px}
.appointment-frollo-benefits h3{font-size:25px;line-height:1.2;margin-bottom:16px}
.appointment-frollo-benefits p{color:#405b67;margin:0}
.appointment-frollo-context{color:#405b67;border-block:1px solid #abc6c5;padding-block:22px;margin:30px 0!important;max-width:1100px}
.appointment-frollo-flow{display:grid;grid-template-columns:minmax(0,.65fr) minmax(0,1.35fr);gap:60px;margin-top:40px}
.appointment-frollo-flow>h3{font-size:32px;line-height:1.17;max-width:280px}
.appointment-frollo-flow ul{margin:0;padding-left:20px}
.appointment-frollo-flow li{padding-left:12px;margin-bottom:22px}
.appointment-frollo-flow li::marker{color:var(--appointment-teal);font-size:16px}
.appointment-frollo-flow li:last-child{margin-bottom:0}
.appointment-frollo-flow strong{font-weight:600;font-size:17px}
.appointment-frollo-flow p{color:#405b67;margin:7px 0 0}
.appointment-detail-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.8fr);gap:75px;align-items:start}
.appointment-detail-grid{border-top:1px solid #abc6c5;padding-top:40px;margin-top:40px;scroll-margin-top:165px}
.appointment-detail-grid>.eyebrow,.appointment-detail-grid>div>.eyebrow{color:#176775}
.appointment-detail-grid .appointment-cdr-heading{font-size:36px;line-height:1.12;margin:21px 0 26px}
.appointment-cdr-list{margin:22px 0;padding-left:20px}
.appointment-cdr-list li{padding-left:6px;margin-bottom:18px}
.appointment-cdr-list strong{font-weight:600}
.appointment-cdr-summary{color:var(--muted)}
.appointment-privacy-note{border-top:1px solid #abc6c5;padding-top:24px;margin-top:28px}
.appointment-privacy-note h4{font-size:23px;line-height:1.25;margin-bottom:15px}
.appointment-privacy-note p{font-size:15px;color:var(--muted);margin:0}
.appointment-privacy-note a{text-decoration:underline;text-underline-offset:3px}
.appointment-account-panel{padding:0 0 0 30px;background:transparent;border-left:1px solid #abc6c5;margin-top:0}
.appointment-account-panel .eyebrow{line-height:1.7;color:#13545f}
.appointment-account-panel h3{font-size:39px;line-height:1.12;margin-bottom:24px}
.appointment-account-panel ul{padding-left:20px;margin:0 0 24px}
.appointment-account-panel li{padding-left:3px;margin-bottom:15px}
.appointment-account-panel>p:last-child{margin-bottom:0}
.appointment-finish{background:#e8edf9}
.appointment-finish-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:90px;align-items:center}
.appointment-finish h2{font-size:clamp(36px,3.6vw,49px);line-height:1.12;margin:20px 0 26px}
.appointment-finish .btn{margin-top:8px;font-size:15px}
.appointment-finish-links{display:flex;flex-wrap:wrap;gap:17px 25px;margin:25px 0 0}
.appointment-finish-links a,.appointment-finish-links button{font-size:14px;text-decoration:underline;text-underline-offset:4px;line-height:1.6}
.appointment-finish-links button{border:0;background:transparent;padding:0;color:inherit;text-align:left}
.appointment-questions{border-left:1px solid #aebed7;padding-left:38px}
.appointment-questions h3{font-size:28px;line-height:1.2;margin-bottom:25px}
.appointment-questions ul{padding-left:20px}
.appointment-questions li{margin-bottom:15px}
.appointment-questions p{font-family:var(--serif);font-style:italic;font-size:25px;margin:25px 0 0;color:var(--blue)}
.appointment-sources{padding-block:40px 55px}
.appointment-sources h2{font-size:23px;line-height:1.25;margin-bottom:14px}
.appointment-sources p,.appointment-sources li{font-size:14px;line-height:1.7;color:var(--muted)}
.appointment-sources ul{display:grid;grid-template-columns:1fr 1fr;gap:10px 35px;margin:20px 0 24px;padding-left:20px}
.appointment-sources a{text-decoration:underline;text-underline-offset:3px}
.appointment-sources>p:last-child{margin-bottom:0}
@media(max-width:1150px){.appointment-intro{gap:35px;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr)}.appointment-overview{padding:25px}.appointment-discussion-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:30px}.appointment-document-grid{grid-template-columns:minmax(0,1fr)}.appointment-document-card{padding:30px}.appointment-document-card>p{max-width:850px}.appointment-detail-grid{gap:35px}.appointment-finish-grid{gap:45px}}
@media(max-width:800px){.appointment-intro,.appointment-heading,.appointment-document-note,.appointment-detail-grid,.appointment-frollo-flow,.appointment-finish-grid{grid-template-columns:minmax(0,1fr)}.appointment-intro{gap:32px}.appointment-intro h1{font-size:52px}.appointment-overview{max-width:none}.appointment-heading{gap:16px}.appointment-heading>p{max-width:650px}.appointment-document-note{gap:18px}.appointment-document-note h3{max-width:none}.appointment-frollo-benefits{grid-template-columns:minmax(0,1fr);gap:25px}.appointment-frollo-flow{gap:24px}.appointment-frollo-flow>h3{max-width:none}.appointment-detail-grid{gap:35px}.appointment-questions{padding-left:0;padding-top:27px;border-left:0;border-top:1px solid #aebed7}.appointment-sources ul{grid-template-columns:1fr}}
@media(max-width:560px){.appointment-hero{padding-block:32px 35px}.appointment-intro h1{font-size:42px;line-height:1.12}.appointment-intro .lead{font-size:17px;line-height:1.75;margin-top:22px}.appointment-intro .btn{width:100%;padding-inline:15px;white-space:normal;text-align:center;line-height:1.5}.appointment-overview{padding:25px}.appointment-jumps{gap:10px 24px;padding-block:20px}.appointment-jumps a{font-size:14px}.appointment-section{padding-block:45px;scroll-margin-top:140px}.appointment-heading h2,.appointment-detail-grid h2,.appointment-finish h2{font-size:35px}.appointment-heading{margin-bottom:27px}.appointment-discussion-grid{grid-template-columns:1fr;gap:26px}.appointment-document-card{padding:25px 22px}.appointment-document-card h3{font-size:28px}.appointment-document-note{margin-top:25px;padding-top:25px}.appointment-secure-note{padding:22px}.appointment-number{font-size:12px;letter-spacing:.08em}.appointment-frollo-flow{gap:22px;margin-top:30px}.appointment-frollo-flow>h3{font-size:28px}.appointment-frollo-flow li{padding-left:6px}.appointment-account-panel{padding:26px 23px}.appointment-account-panel h3{font-size:36px}.appointment-finish-grid{gap:30px}.appointment-finish .btn{width:100%;padding-inline:12px;font-size:14px}.appointment-sources{padding-block:35px 45px}}
@media print{.appointment-page .appointment-jumps,.appointment-page .btn,.appointment-finish-links button{display:none!important}.appointment-page p,.appointment-page li,.appointment-check small{font-size:11pt;color:#000}.appointment-page .appointment-section{padding-block:20px}.appointment-intro,.appointment-heading,.appointment-detail-grid,.appointment-document-grid,.appointment-finish-grid,.appointment-frollo-flow{display:block}.appointment-overview,.appointment-document-card,.appointment-account-panel,.appointment-frollo-benefits article{break-inside:avoid}.appointment-overview,.appointment-documents,.appointment-frollo,.appointment-finish,.appointment-account-panel{background:#fff;color:#000}.appointment-frollo p,.appointment-frollo .appointment-number,.appointment-frollo h2 em{color:#000}.appointment-document-card{padding:20px 0}.appointment-hero{padding-block:20px}.appointment-hero h1{font-size:30pt}.appointment-heading h2,.appointment-detail-grid h2,.appointment-finish h2{font-size:24pt}.appointment-sources{padding-block:20px}.appointment-questions{margin-top:25px}.appointment-check input{appearance:auto}}

@media(max-width:980px){.appointment-step{padding:34px}.appointment-heading{column-gap:35px}.appointment-account-panel{padding-left:24px}}
@media(max-width:800px){.appointment-account-panel{padding:28px 0 0;border-left:0;border-top:1px solid #abc6c5}.appointment-overview li>a{gap:14px}}
@media(max-width:680px){
  #your-next-step{padding-top:30px}
  .appointment-steps{width:calc(100% - 32px);gap:24px}
  .appointment-step{padding:28px 22px;border-radius:22px}
  .appointment-step+.appointment-step::before{top:-25px;left:53px;height:24px}
  .appointment-step-label{gap:12px;font-size:14px;margin-bottom:9px}
  .appointment-step-badge{font-size:15px;padding:8px 13px;min-height:39px;border-radius:11px}
  .appointment-step .appointment-heading h2,.appointment-step .appointment-finish-grid h2{font-size:32px}
  .appointment-detail-grid .appointment-cdr-heading{font-size:31px}
  .appointment-account-panel h3{font-size:31px}
  .appointment-detail-grid{padding-top:30px;margin-top:30px}
  .appointment-document-card{padding:23px 18px}
  .appointment-document-card h3{font-size:25px}
  .appointment-document-card .eyebrow{letter-spacing:.05em}
  .appointment-overview{padding:25px 22px}
}
@media(max-width:560px){
  .office-links-bar>.wrap{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(0,1fr);gap:14px;min-height:55px;padding-block:4px}
  .office-links-bar a{font-size:14px;line-height:1.4;min-width:0;white-space:normal;gap:7px;min-height:47px}
  .office-link-name{min-width:0}
}
@media print{.appointment-steps{display:block;padding:0;width:100%}.appointment-step{margin-bottom:20px;border-radius:0;padding:20px!important;background:#fff;color:#000}.appointment-step+.appointment-step::before{display:none}.appointment-step-badge{border:1px solid #777;background:#fff!important;color:#000}.appointment-account-panel{padding-left:0;border-left:0}.appointment-frollo .appointment-cdr-heading em{color:#000}}

/* A compact ribbon keeps every local area linked while giving the page more pace. */
.local-ribbon-section{padding-block:46px 38px;scroll-margin-top:140px}
.local-ribbon-heading{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center;margin-bottom:24px}
.local-ribbon-heading .eyebrow{margin-bottom:14px}
.local-ribbon-heading h2{font-size:clamp(2rem,3.2vw,2.625rem);line-height:1.12;max-width:500px;margin:0}
.local-ribbon-intro>p{font-size:1rem;max-width:560px;margin:0 0 12px;color:var(--muted)}
.local-ribbon-actions{display:flex;gap:24px;align-items:center;flex-wrap:wrap}
.local-ribbon-actions .text-link{font-size:.875rem;margin:0}
.areas-pause{border:1px solid #becac7;border-radius:6px;background:transparent;color:var(--ink);padding:8px 13px;min-height:44px;font-size:.875rem;cursor:pointer}
.areas-viewport{overflow-x:auto;overflow-y:hidden;padding:6px 0;scrollbar-width:thin}
.areas-track{display:flex;width:max-content}
.areas-group{display:flex;flex:none;list-style:none;gap:12px;margin:0;padding:0 12px 0 0}
.areas-group li{width:315px;flex:none}
.area-ribbon-link{display:flex;flex-direction:column;justify-content:center;min-height:112px;padding:16px 22px;border-radius:10px;background:#e5ece7;transition:background .2s}
.area-ribbon-link:hover{background:#d6e2d9}
.area-ribbon-link h3{font-size:1.375rem;line-height:1.2;margin:0 0 7px;letter-spacing:-.025em}
.area-ribbon-link p{font-size:.875rem;line-height:1.5;white-space:normal;margin:0;color:#425c50}
.area-ribbon-link:focus-visible,.areas-pause:focus-visible{outline:2px solid var(--blue);outline-offset:3px}
.areas-duplicate{display:none}
.local-ribbon-section[data-animated="true"] .areas-viewport{overflow:hidden}
.local-ribbon-section[data-animated="true"] .areas-duplicate{display:flex}
.local-ribbon-section[data-animated="true"] .areas-track{animation:local-areas-roll 31.666667s linear infinite}
@media(hover:hover){.areas-viewport:hover .areas-track{animation-play-state:paused}}
@keyframes local-areas-roll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.local-ribbon-note{font-size:.8125rem;line-height:1.5;margin:13px 0 0;color:var(--muted);max-width:none}

/* Three connected tiles explain the loan process without another guide preview. */
.home-process{background:#eef0ef;padding-block:64px}
.home-process .section-heading{margin-bottom:32px}
.home-process .section-heading>p{color:var(--muted);max-width:365px;font-size:1rem}
.home-process-flow{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:56px;list-style:none;margin:0;padding:0}
.home-process-card{position:relative;padding:30px;border-radius:18px;background:#d6eaff;min-width:0}
.home-process-card:nth-child(2){background:#adbef2}
.home-process-card:nth-child(3){background:#c7eee8}
.home-process-connector{position:absolute;right:-56px;top:28px;z-index:1;width:56px;height:44px;display:flex;align-items:center;justify-content:center;color:#fff;pointer-events:none}
.home-process-connector::before{content:'';position:absolute;left:0;right:0;height:3px;background:var(--blue);z-index:-1}
.home-process-connector svg{display:block;width:44px;height:44px;padding:9px;border-radius:50%;background:var(--blue)}
.home-process-step{display:inline-block;font-size:1rem;font-weight:700;line-height:1.5;padding:8px 18px;background:var(--ink);color:#fff;border-radius:999px;margin-bottom:26px}
.home-process-card h3{font-size:1.875rem;line-height:1.15;letter-spacing:-.035em;max-width:250px;margin:0 0 20px;min-height:2.3em}
.home-process-card p{font-size:1rem;line-height:1.75;max-width:none;margin:0;color:#263e59}
/* Web approximation of Pantone 14-1323 TCX Salmon. */
body[data-path="/home/"] .end-cta{background:#faaa94}
body[data-path="/home/"] .end-cta p{color:#263e59}
@media(max-width:980px){
  .local-ribbon-heading{gap:24px}
  .home-process-flow{gap:48px}
  .home-process-card{padding:24px}
  .home-process-connector{right:-48px;width:48px;top:22px}
  .home-process-card h3{font-size:1.625rem}
}
@media(max-width:760px){
  .local-ribbon-section{padding-block:36px 30px}
  .local-ribbon-heading{grid-template-columns:1fr;gap:18px;margin-bottom:18px}
  .local-ribbon-heading h2{max-width:420px}
  .local-ribbon-heading .eyebrow{margin-bottom:10px}
  .areas-group li{width:280px}
  .area-ribbon-link{padding:16px 18px;min-height:112px}
  .local-ribbon-actions{gap:20px}
  .home-process{padding-block:44px}
  .home-process-flow{grid-template-columns:1fr;gap:56px}
  .home-process-card{padding:26px;border-radius:16px}
  .home-process-connector{top:auto;bottom:-50px;left:calc(50% - 28px);right:auto;width:56px;transform:rotate(90deg)}
  .home-process-step{margin-bottom:19px}
  .home-process-card h3{min-height:0;font-size:1.875rem;max-width:none;margin-bottom:16px}
}
@media(prefers-reduced-motion:reduce){
  .local-ribbon-section[data-animated="true"] .areas-track{animation:none;transform:none}
  .local-ribbon-section .areas-duplicate,.areas-pause{display:none}
  .local-ribbon-section[data-animated="true"] .areas-viewport{overflow-x:auto}
}
@media print{
  .areas-pause,.local-ribbon-section .areas-duplicate{display:none}
  .local-ribbon-section .areas-viewport{overflow:visible!important}
  .local-ribbon-section .areas-track{animation:none!important;transform:none;width:100%}
  .areas-group{flex-wrap:wrap}
  .home-process-card{break-inside:avoid}
}

/* Keep all nine service-area tiles in the same pastel blue. */
body[data-path="/areas/"] .index-card{background:#d6eaff}

/* A single ribbon combines original publisher assets and the supplied media board. */
.publisher-strip{background:#fff;padding-block:24px 20px;scroll-margin-top:145px}
.publisher-strip .wrap>.publisher-ribbon-heading{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-bottom:12px}
.publisher-strip .publisher-ribbon-heading>.eyebrow{font-size:.75rem;font-weight:600;letter-spacing:.13em;margin:0}
.publisher-pause{min-height:44px;padding:9px 14px;border:1px solid var(--line);border-radius:5px;background:#fff;color:var(--ink);font:inherit;font-size:.875rem;cursor:pointer}
.publisher-pause:focus-visible,.publisher-viewport:focus-visible{outline:2px solid var(--blue);outline-offset:4px}
.publisher-strip .wrap>.publisher-viewport{display:block;overflow-x:auto;overflow-y:hidden;padding-block:8px;scrollbar-width:thin}
.publisher-track{display:flex;width:max-content}
.publisher-logo-group{display:flex;align-items:center;gap:32px;flex:none;list-style:none;margin:0;padding:0 32px 0 0}
.publisher-logo{display:flex;align-items:center;justify-content:center;width:240px;height:94px;flex:none}
.publisher-logo>img{display:block;width:210px;height:82px;max-width:100%;object-fit:contain}
.publisher-board-crop{position:relative;display:block;overflow:hidden;flex:none;max-width:100%}
.publisher-board-crop img{position:absolute;display:block;width:var(--board-width);max-width:none;max-height:none;height:auto;left:var(--board-left);top:var(--board-top)}
.publisher-duplicate{display:none}
.publisher-strip[data-animated="true"] .publisher-viewport{overflow:hidden}
.publisher-strip[data-animated="true"] .publisher-duplicate{display:flex}
.publisher-strip[data-animated="true"] .publisher-track{animation:publisher-roll 26.666667s linear infinite}
@keyframes publisher-roll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(hover:hover){.publisher-viewport:hover .publisher-track{animation-play-state:paused}}
.publisher-strip .fine{font-size:.75rem;line-height:1.5;margin-top:14px}
@media(max-width:560px){
  .publisher-logo{width:205px;height:88px}
  .publisher-logo-group{gap:24px;padding-right:24px}
  .publisher-strip .publisher-ribbon-heading>.eyebrow{font-size:.75rem;letter-spacing:.08em}
}
@media(prefers-reduced-motion:reduce){
  .publisher-strip[data-animated="true"] .publisher-track{animation:none;transform:none}
  .publisher-strip .publisher-duplicate,.publisher-pause{display:none}
  .publisher-strip[data-animated="true"] .publisher-viewport{overflow-x:auto}
}
@media print{
  .publisher-strip .publisher-duplicate,.publisher-pause{display:none}
  .publisher-strip .publisher-track{animation:none!important;transform:none;width:100%}
  .publisher-strip .publisher-viewport{overflow:visible!important}
  .publisher-logo-group{flex-wrap:wrap}
}

/* Media formats share one colour system in previews and the full archive. */
.media-card[data-media-format="Television"]{--media-bg:#ece4f5;--media-ink:#152b45}
.media-card[data-media-format="Radio"],.media-card[data-media-format="Podcasts"]{--media-bg:#c4addb;--media-ink:#152b45}
.media-card[data-media-format="Articles"]{--media-bg:#76588d;--media-ink:#fbf7ff}
body .media-card[data-media-format],body .media-card.featured[data-media-format]{background:var(--media-bg);border-color:var(--media-bg);color:var(--media-ink)}
.media-card[data-media-format] .media-outlet,.media-card[data-media-format] .media-topic{color:inherit;font-size:.875rem}
.media-card[data-media-format] .media-format{font-size:.75rem}
.media-card[data-media-format] .archive-tag{font-size:.75rem;border-color:currentColor}
.media-card[data-media-format]>.text-link{font-size:.875rem;border-color:currentColor}
.media-card[data-media-format]>.text-link:focus-visible{outline:2px solid currentColor;outline-offset:4px}

/* Looping media waveform; retain a still frame for pause, print and reduced motion. */
.waveform img{width:350px;max-width:100%;height:100%;object-fit:fill;flex:none}
.waveform .waveform-still{display:none}
.media-mast:has(.mast-mark[data-paused="true"]) .waveform-motion{display:none}
.media-mast:has(.mast-mark[data-paused="true"]) .waveform-still{display:block}
@media(prefers-reduced-motion:reduce){.waveform .waveform-motion{display:none}.waveform .waveform-still{display:block}}
@media print{.waveform .waveform-motion{display:none}.waveform .waveform-still{display:block}}

.utilities-panel{background:#d9edda;color:var(--navy);border-radius:8px 8px 64px 8px;padding:36px}.utilities-panel h2{font-size:clamp(28px,3vw,40px);line-height:1.15;margin:18px 0 24px}.utilities-panel ul{list-style:none;margin:0 0 24px;padding:0}.utilities-panel li{padding:12px 0;border-bottom:1px solid #152b4530;font-size:18px;font-weight:600}.utilities-panel p{font-size:16px;line-height:1.65}.utilities-hero .fine{font-size:14px}

.newsletter-cards{margin:24px 0 48px}.newsletter-cards .content-card{display:flex;flex-direction:column;align-items:flex-start}.newsletter-cards .text-link{margin-top:auto}

/* Site-wide: FRF logo-led palette, Project K 2030. */
body[data-path]{--ink:#222260;--navy:#222260;--blue:#1d419c;--periwinkle:#7486b5;--blue-light:#e8e3f2;--paper:#f8f7f2;--sage:#dce5de;--peach:#ead5c9;--muted:#53536c;--line:#dedee8;background:var(--paper);color:var(--ink)}
body[data-path] .hero{background:var(--paper)}
body[data-path] .btn{background:var(--blue);border-color:var(--blue);color:#fff}
body[data-path] .btn:hover{background:var(--navy);border-color:var(--navy)}
body[data-path] .btn.light{background:var(--paper);border-color:var(--paper);color:var(--ink)}
body[data-path] .btn.light:hover{background:var(--blue-light);border-color:var(--blue-light)}
body[data-path] .art-note{background:var(--blue-light);border-color:var(--blue-light)}
body[data-path] .hero-bottom{border-color:var(--periwinkle)}
body[data-path] .hero-bottom span:before{color:var(--periwinkle)}
body[data-path] .journey-card{background:var(--blue-light);color:var(--ink)}
body[data-path] .journey-card:nth-child(2){background:#efedf7}
body[data-path] .journey-card:nth-child(3){background:var(--blue-light)}
body[data-path] .journey-card:nth-child(4){background:#efedf7}
body[data-path] .journey-card:nth-child(5){background:var(--blue-light)}
body[data-path] .journey-card:nth-child(6){background:#efedf7}
body[data-path] .journey-card .journey-cta{color:var(--blue)}
body[data-path] .split-dark{background:var(--navy);color:var(--paper)}
body[data-path] .split-dark p,body[data-path] .split-dark .eyebrow,body[data-path] .split-dark .fine,body[data-path] .split-dark .lead{color:#e8e3f2}
body[data-path] .chapter-panel{background:#303071;border-color:var(--periwinkle)}
body[data-path] .path-option{border-color:var(--periwinkle)}
body[data-path] .adviser-section{background:var(--sage)}
body[data-path] .portrait-block{background:var(--paper);border-color:var(--paper)}
body[data-path] .office-card{background:var(--sage);border-color:var(--sage)}
body[data-path] .area-ribbon-link{background:var(--sage)}
body[data-path] .area-ribbon-link:hover{background:#cddbcf}
body[data-path] .area-ribbon-link p{color:var(--ink)}
body[data-path] .awards-strip-heading .eyebrow{color:var(--blue)}
body[data-path] .media-card.featured[data-media-format]{background:var(--blue-light);border-color:var(--blue-light);color:var(--ink)}
body[data-path] .home-process{background:var(--paper)}
body[data-path] .home-process-card,body[data-path] .home-process-card:nth-child(2),body[data-path] .home-process-card:nth-child(3){background:var(--blue-light)}
body[data-path] .home-process-card p{color:var(--ink)}
body[data-path] .end-cta{background:var(--peach)}
body[data-path] .end-cta p{color:var(--ink)}
body[data-path] .footer{color:var(--paper)}
body[data-path] .footer p,body[data-path] .footer li,body[data-path] .footer-bottom,body[data-path] .footer-offices address,body[data-path] .footer-offices .eyebrow{color:#e8e3f2}
body[data-path] .footer-bottom,body[data-path] .footer-legal{border-color:var(--periwinkle)}
body[data-path] .contact-bar .contact-action{background:#d9edda;color:var(--ink)}

/* Shared page families use the approved FRF palette. */
body[data-path] .btn.outline{background:transparent;border-color:var(--blue);color:var(--blue)}
body[data-path] .btn.soft{background:var(--blue-light);border-color:var(--blue-light);color:var(--ink)}
body[data-path] .btn.outline:hover,body[data-path] .btn.soft:hover{background:var(--blue);color:#fff}
body[data-path] .sage-section,body[data-path] .offices-section,body[data-path] .office-links-bar,body[data-path] .archive-notice{background:var(--sage);color:var(--ink)}
body[data-path] .tint,body[data-path] .guides-section,body[data-path] .learn-foundations,body[data-path] .media-library,body[data-path] .media-teaser,body[data-path] .media-bio,body[data-path] .topic-group:nth-of-type(even){background:var(--paper)}
body[data-path] .callout,body[data-path] .aside,body[data-path] .planner,body[data-path] .comparison th,body[data-path] .finance-checklist,body[data-path] .finance-related,body[data-path] .topic-checklist,body[data-path] .topic-related{background:var(--blue-light);color:var(--ink)}
body[data-path] .map-art,body[data-path] .map-art.blue,body[data-path] .index-card.blue,body[data-path="/areas/"] .index-card{background:var(--blue-light);color:var(--ink)}
body[data-path] .map-art.peach,body[data-path] .index-card.peach,body[data-path] .legal-notice{background:var(--peach);color:var(--ink)}
body[data-path] .map-art.sage,body[data-path] .index-card.sage{background:var(--sage);color:var(--ink)}
body[data-path] .landing-hero{background:var(--paper)}
body[data-path] .landing-hero.peach{background:var(--peach)}
body[data-path] .landing-hero.blue{background:var(--blue-light)}
body[data-path] .landing-hero.sage{background:var(--sage)}
body[data-path] .landing-proof{background:var(--navy);color:var(--paper)}
body[data-path] .finance-options{background:var(--paper)}
body[data-path] .topic-card{background:var(--blue-light);color:var(--ink);border-top-color:var(--periwinkle)}
body[data-path] .topic-card.theme-medico{background:var(--sage);border-top-color:var(--blue)}
body[data-path] .topic-card.theme-circumstances{background:var(--peach);border-top-color:var(--periwinkle)}
body[data-path] .topic-card:hover{background:#ded8ed}
body[data-path] .topic-guide .topic-hero{background:var(--paper);color:var(--ink)}
body[data-path] .topic-guide .topic-takeaways{background:var(--navy);color:var(--paper)}
body[data-path] .topic-guide .topic-takeaways p,body[data-path] .topic-guide .topic-takeaways li{color:var(--paper)}
body[data-path] .topic-guide .topic-checklist{background:var(--blue-light);color:var(--ink)}
body[data-path] .appointment-overview,body[data-path] .appointment-documents,body[data-path] .appointment-finish,body[data-path] .appointment-step{background:var(--blue-light);color:var(--ink)}
body[data-path] .appointment-frollo{background:var(--sage);color:var(--ink);border-color:var(--sage)}
body[data-path] .appointment-account-panel{color:var(--ink)}
body[data-path] .appointment-secure-note{background:var(--paper);color:var(--ink)}
body[data-path] .appointment-step-badge{background:var(--blue)!important;color:#fff}
body[data-path] .media-card[data-media-format]{--media-bg:#e8e3f2;--media-ink:#222260}
body[data-path] .media-card[data-media-format="Articles"]{--media-bg:#222260;--media-ink:#fff}
body[data-path] .media-card[data-media-format="Television"]{--media-bg:#efedf7}
body[data-path] .media-mast{background:var(--blue-light);color:var(--ink)}
body[data-path] .mast-mark{color:var(--ink)}
body[data-path] .award-status.winner{background:var(--peach);color:var(--ink)}
body[data-path] .award-status.finalist{background:var(--blue-light);color:var(--ink)}
body[data-path] .award-status.recognition{background:var(--sage);color:var(--ink)}

/* Shared booking hierarchy: compact navigation and task-first page content. */
html{scroll-padding-top:115px}
.header-inner{gap:22px;min-height:96px}
.header .brand img.frf-logo{width:174px}
.desktop-nav{gap:21px}
.desktop-nav .nav-link{font-size:13px;white-space:nowrap}
.header-direct{display:flex;align-items:center;gap:19px;flex-shrink:0}
.header-phone{font-size:14px;font-weight:700;white-space:nowrap}
body[data-path] .header-book{background:#d9edda;border-color:#d9edda;color:var(--ink);min-height:44px;font-size:13px;padding:10px 16px}
body[data-path] .header-book:hover{background:#c6e2c8;border-color:#c6e2c8;color:var(--ink)}
.decision-strip{background:var(--blue-light);padding:24px 0;margin-bottom:36px}
.decision-strip .wrap{display:flex;align-items:center;justify-content:space-between;gap:25px}
.decision-strip p{margin:6px 0 0;font-size:14px;max-width:580px}
.decision-strip .wrap>div:last-child{display:flex;flex-direction:column;align-items:flex-start;gap:10px}
.decision-strip .text-link{font-size:12px}
.guide-human{font-size:15px;margin-block:18px 24px}
.guide-human a{color:var(--blue);text-decoration:underline;text-underline-offset:4px}
.booking-panel{background:var(--blue-light);padding:32px;border-radius:10px;align-self:start}
.booking-panel h2{font-size:32px;line-height:1.2;margin-bottom:20px}
.booking-panel p,.booking-panel li{font-size:15px;line-height:1.7}
.booking-panel ul{padding-left:20px;margin:20px 0}
.booking-panel .btn{width:100%}
.booking-panel>a:last-child{font-size:13px;text-decoration:underline;text-underline-offset:3px}
.page-hero{padding-top:38px;padding-bottom:42px}
.section-heading{margin-bottom:30px}
.index-cards,.finance-option-grid{align-items:stretch}
.crumbs{padding-top:16px;padding-bottom:12px}
@media(max-width:1120px){.desktop-nav{display:none}.menu-toggle{display:block}.header-direct{margin-left:auto}.header-inner{gap:20px}.mobile-nav.open{display:flex}}
@media(max-width:700px){.header .brand img.frf-logo{width:142px}.header-inner{min-height:80px;gap:10px}.header-direct .header-phone{display:none}.header-direct .header-book{display:none}.header-direct{margin-left:auto}.decision-strip .wrap{display:block}.decision-strip .wrap>div:last-child{margin-top:18px}.booking-panel{padding:25px}.page-hero{padding-block:26px 32px}.footer-grid{gap:28px}}

/* New background-free portrait: keep small adviser images centred on the face. */
.adviser-mini img[src*="chris-transparent"],.finance-adviser img[src*="chris-transparent"],.mast-person img[src*="chris-transparent"]{object-fit:cover;object-position:50% 20%;background:var(--paper)}
.portrait-block img[src*="chris-transparent"]{object-fit:contain;object-position:center bottom;background:transparent}

/* Media categories: three FRF blue shades with periwinkle accents. */
body[data-path="/media/"] .media-card[data-media-format="Television"]{--media-bg:#52699a;--media-ink:#fff;--media-accent:#7486b5}
body[data-path="/media/"] .media-card[data-media-format="Radio"],body[data-path="/media/"] .media-card[data-media-format="Podcasts"]{--media-bg:#1d419c;--media-ink:#fff;--media-accent:#7486b5}
body[data-path="/media/"] .media-card[data-media-format="Articles"]{--media-bg:#222260;--media-ink:#fff;--media-accent:#7486b5}
body[data-path="/media/"] .media-card[data-media-format]{background:var(--media-bg);color:var(--media-ink);border-color:var(--media-bg);border-top:4px solid var(--media-accent)}
body[data-path="/media/"] .media-card[data-media-format] h3,body[data-path="/media/"] .media-card[data-media-format] a,body[data-path="/media/"] .media-card[data-media-format] .media-format,body[data-path="/media/"] .media-card[data-media-format] .media-outlet,body[data-path="/media/"] .media-card[data-media-format] .media-topic{color:var(--media-ink)}

/* Clear, inviting header actions on every screen. */
body[data-path] .header-phone{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:10px 15px;border:2px solid #222260;border-radius:6px;background:#fff;color:#222260;font-size:14px;font-weight:800;text-decoration:none}
body[data-path] .header-phone:hover{background:#e8e3f2}
body[data-path] .header-book{min-height:46px;padding:12px 18px;background:#d9edda;border:2px solid #222260;color:#222260;font-weight:800;box-shadow:0 3px 0 #222260}
body[data-path] .header-book:hover{background:#c6e2c8;border-color:#222260;color:#222260;box-shadow:0 1px 0 #222260}
body[data-path] .header-phone:focus-visible,body[data-path] .header-book:focus-visible{outline:3px solid #1d419c;outline-offset:4px}
.header-direct{gap:12px}
@media(max-width:1150px){.desktop-nav{display:none}.menu-toggle{display:block}}
@media(max-width:700px){.header-inner{flex-wrap:wrap;padding-block:12px}.header-inner>.menu-toggle{margin-left:auto}.header-direct{order:3;width:100%;display:flex;margin:0;gap:10px}body[data-path] .header-direct .header-phone,body[data-path] .header-direct .header-book{display:inline-flex;flex:1;padding:10px 8px;font-size:12px;white-space:nowrap}.header-inner>.brand{margin-right:auto}}

/* Pastel sky blue for the FRF Media Room. */
body[data-path="/media/"] .media-mast{background:#c9e1f2;color:#222260}
body[data-path="/media/"] .media-mast .eyebrow,body[data-path="/media/"] .media-mast .mast-heading,body[data-path="/media/"] .media-mast .mast-heading em,body[data-path="/media/"] .media-mast .mast-person span{color:#222260}
body[data-path="/media/"] .media-mast .mast-person{border-top-color:#7486b5}

/* Booking reassurance, shared by all page families. */
body[data-path] .frf-booking-dialog{width:calc(100% - 36px);max-width:560px;max-height:calc(100dvh - 36px);overflow:auto;margin:auto;padding:36px;border:0;border-top:5px solid #7486b5;border-radius:12px;background:#f8f7f2;color:#222260;box-shadow:0 24px 80px #11132d40}
.frf-booking-dialog:not([open]){display:none}
.frf-booking-dialog::backdrop{background:rgba(20,24,55,.65)}
body[data-path] .frf-booking-dialog .eyebrow{font-size:12px;line-height:1.5;letter-spacing:.12em;margin:0 44px 18px 0}
body[data-path] .frf-booking-dialog h2{font-size:clamp(28px,4vw,36px);line-height:1.16;letter-spacing:-.025em;margin:0 0 22px;color:#222260}
body[data-path] .frf-booking-dialog h2 em{color:#1d419c}
.frf-booking-dialog p,.frf-booking-dialog li{font-size:16px;line-height:1.6}
.frf-booking-dialog ul{padding-left:22px;margin:20px 0 24px}
.frf-booking-dialog li+li{margin-top:8px}
.frf-booking-close{position:absolute;top:12px;right:12px;width:44px;height:44px;display:flex;align-items:center;justify-content:center;background:transparent;border:1px solid #b6c0d6;border-radius:50%;font-size:26px;color:#222260;cursor:pointer}
.frf-booking-close:hover{background:#e8e3f2}
.frf-booking-next{padding:18px 20px;margin-bottom:24px;background:#e8e3f2;border-radius:6px}
.frf-booking-next p{margin:8px 0 0}
body[data-path] .frf-booking-dialog .frf-booking-continue{display:flex;width:100%;background:#1d419c;color:#fff;border-color:#1d419c;min-height:48px;font-size:15px;font-weight:700}
body[data-path] .frf-booking-dialog .frf-booking-continue:hover{background:#222260;border-color:#222260}
.frf-booking-dialog .frf-booking-note{font-size:13px;text-align:center;color:#53536c;margin:10px 0 18px}
.frf-booking-phone{display:block;text-align:center;min-height:44px;padding:10px 0;font-size:15px;text-decoration:underline;text-underline-offset:4px}
html.frf-booking-open{overflow:hidden}
@media(max-width:480px){body[data-path] .frf-booking-dialog{padding:28px 22px}.frf-booking-dialog .eyebrow{max-width:210px}}

.client-proof{margin-top:24px}.client-proof blockquote{margin:12px 0;font-size:1.25rem;line-height:1.5;font-weight:600}.journey-list{max-width:800px;padding-left:28px}.journey-list li{padding:0 0 24px 12px}.journey-list h2{font-size:1.5rem}#buying-results .result-row{gap:20px}#buying-results strong{white-space:nowrap}

/* Review cards and compact resource navigation */
.client-proof .client-review{display:flex;flex-direction:column;gap:16px;padding:26px;border:1px solid #dce2ee;border-radius:18px;background:#f4f6fc;box-shadow:none}
.review-card-top{display:flex;align-items:center;justify-content:space-between;gap:12px}
.review-initials{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:#e2e7f5;color:#222260;font-size:.9rem;font-weight:700;letter-spacing:.04em}
.review-stars{color:#876100;letter-spacing:3px;font-size:1.1rem;white-space:nowrap}
.client-proof .client-review blockquote{margin:0;font-size:1.2rem;line-height:1.5;color:#222260;font-weight:600}
.review-card-label{font-size:.78rem;margin-top:auto;color:#536079}.review-source{margin-top:18px;max-width:75ch}
.footer .footer-link-group{border:0;border-bottom:1px solid #7486b566;padding:0;margin:0;background:transparent;border-radius:0}
.footer .footer-link-group summary{display:list-item;list-style:disclosure-closed;cursor:pointer;font-family:inherit;font-weight:500;font-size:.875rem;line-height:1.45;padding:13px 0;color:inherit}
.footer .footer-link-group[open] summary{list-style:disclosure-open}
.footer .footer-link-group summary::after{content:none}.footer .footer-link-group ul{padding:0 0 14px;margin:0;list-style:none}.footer .footer-link-group li{margin:0}.footer .footer-link-group a{display:block;padding:7px 0;font-size:.85rem;line-height:1.45}.footer-link-group summary:focus-visible{outline:2px solid currentColor;outline-offset:4px}
@media(max-width:650px){.client-proof .client-review{padding:22px}.review-stars{font-size:1rem}.footer .footer-link-group summary{padding:15px 0}}

.footer-compliance{padding-top:14px}.footer .footer-compliance h4{margin:0 0 8px;font-family:inherit;font-size:.875rem;font-weight:500;line-height:1.45;color:inherit}.footer .footer-compliance ul{margin:0;padding:0;list-style:none}.footer .footer-compliance li{margin:0}.footer .footer-compliance a{display:block;padding:7px 0;font-size:.85rem;line-height:1.45}

/* Even office columns, with a consistent heading-to-copy rhythm. */
.footer-offices{grid-template-columns:repeat(3,minmax(0,1fr));column-gap:clamp(24px,4vw,48px);row-gap:32px;align-items:start}
.footer-offices>div{min-width:0}
.footer-offices .eyebrow,.footer-offices .office-footer-title{display:block;margin:0 0 16px;min-height:24px;line-height:1.5}
.footer-offices p,.footer-offices address{line-height:1.8}
.footer-offices p+p{margin-top:12px}
@media(max-width:980px){.footer-offices{grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}.footer-offices>div:first-child{grid-column:1/-1}.footer-offices>div:first-child .eyebrow{margin-bottom:16px}}
@media(max-width:560px){.footer-offices{grid-template-columns:1fr;gap:28px}.footer-offices>div:first-child{grid-column:auto}}

/* A compact proof-to-conversation sequence on the homepage. */
.conversion-home .review-journey{padding:56px 0;background:#f8f7f2}
.review-journey .review-journey-inner{max-width:960px;margin-inline:auto}
.review-journey-heading{max-width:620px;margin:0 auto 26px;text-align:center}
.review-journey-heading h2{font-size:clamp(1.8rem,3vw,2.5rem);line-height:1.18;margin:12px 0 16px}
.review-journey-heading p{font-size:1rem;line-height:1.65;margin:0}
.review-journey .client-proof{grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:0}
.review-journey .client-review{padding:22px;gap:16px}
.review-journey .client-review blockquote{font-size:1rem;line-height:1.65}
.review-journey .review-initials{width:46px;height:46px;font-size:.75rem;flex-shrink:0}
.review-journey .review-stars{font-size:1rem;letter-spacing:2px}
.review-journey .review-card-label{margin:0;margin-top:auto;font-size:.75rem;line-height:1.5}
.review-journey .review-source{max-width:none;margin:18px 0 26px;font-size:.75rem;line-height:1.6;text-align:center}
.review-next-step{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:30px;align-items:center;padding:28px;border-radius:18px;background:#e8e3f2;color:#222260}
.review-next-step h3{margin:0 0 10px;font-size:1.35rem;line-height:1.3}
.review-next-step p{margin:0 0 10px;font-size:.95rem;line-height:1.6;max-width:52ch}
.review-next-step p.fine{font-size:.78rem;margin:0}
.review-booking{display:flex;flex-direction:column;align-items:center;gap:14px}
.review-explore{font-size:.75rem;line-height:1.5;text-align:center;text-underline-offset:3px}
@media(max-width:760px){.review-journey .client-proof{grid-template-columns:1fr}.review-journey .client-review{gap:12px}.review-next-step{grid-template-columns:1fr;gap:20px;padding:24px}.review-booking{align-items:stretch}.review-booking .btn{text-align:center}.conversion-home .review-journey{padding:40px 0}}

/* Calculator suite */
.calculators-hero{background:linear-gradient(135deg,#222260 0%,#1d419c 58%,#7486b5 100%);padding:72px 0 54px;color:#fff}
.calculators-hero .eyebrow,.calculators-hero p{color:#eef2f8}
.calculators-hero-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(300px,.62fr);gap:clamp(34px,6vw,78px);align-items:end}
.calculators-hero h1{font-size:clamp(48px,5.8vw,78px);line-height:1.03;letter-spacing:-.055em;max-width:820px;margin:0}
.calculators-hero h1 em{color:#e8e3f2}
.calculators-hero .lead{font-size:20px;line-height:1.62;max-width:680px;margin:26px 0 14px}
.calculators-hero .text-link{color:#fff;border-color:#ffffff80}
.calculator-side-note{background:#fff;border:1px solid #d7ddef;border-radius:18px;padding:30px;box-shadow:0 24px 70px #08194d24;color:var(--ink)}
.calculator-side-note h2{font-size:32px;line-height:1.15;margin:0 0 14px;color:var(--ink)}
.calculator-side-note p{font-size:14px;line-height:1.75;color:var(--muted);margin:0 0 15px}
.calculator-side-note ul{margin:0;padding-left:18px;color:var(--muted);font-size:13px;line-height:1.65}
.calculators-path{background:#f8f7f2;padding-bottom:42px}
.path-intro{display:grid;grid-template-columns:minmax(0,.9fr) minmax(250px,.45fr);gap:24px;align-items:end;margin-bottom:24px}
.path-intro h2{font-size:clamp(32px,3.5vw,50px);line-height:1.08;letter-spacing:-.045em;margin:0}
.path-intro h2 em{color:var(--blue)}
.path-intro p{margin:0;color:var(--muted);font-size:15px;line-height:1.7}
.calculator-jump-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.calculator-jump-grid a{display:flex;flex-direction:column;justify-content:space-between;min-height:170px;padding:22px;border:1px solid #d5dbe5;border-top:5px solid #1d419c;border-radius:16px;background:#fff;color:var(--ink);text-decoration:none;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.calculator-jump-grid a:nth-child(2){background:#e8e3f2;border-top-color:#7486b5}
.calculator-jump-grid a:nth-child(3){background:#dce5de;border-top-color:#6f8877}
.calculator-jump-grid a:hover{transform:translateY(-3px);box-shadow:0 18px 45px #10204010;border-color:#b9c5dc}
.calculator-jump-grid strong{font-size:21px;line-height:1.18;letter-spacing:-.025em}
.calculator-jump-grid span{font-size:13px;line-height:1.58;color:var(--muted);margin-top:20px}
.calculator-suite{display:grid;gap:26px;max-width:1080px;margin-inline:auto}
.calc-tool{display:grid;grid-template-columns:minmax(245px,.68fr) minmax(0,1.32fr);gap:clamp(26px,4.6vw,62px);padding:32px;border:1px solid #d7dce4;border-radius:22px;background:#fff;box-shadow:0 18px 55px #1f2d4d0b;scroll-margin-top:130px}
.calc-tool:nth-child(2){background:#f4f1fb}
.calc-tool:nth-child(3){background:#eef7f0}
.calc-tool-copy{padding-top:8px}
.calc-tool-copy h2{font-size:clamp(30px,3.2vw,44px);line-height:1.08;letter-spacing:-.045em;margin:0 0 14px}
.calc-tool-copy p{font-size:15px;line-height:1.75;color:var(--muted);max-width:520px}
.calc-form{display:grid;gap:18px;background:#f8f7f2;border:1px solid #d9ddd5;border-radius:18px;padding:24px}
.calc-form .field{margin:0}
.calc-form label{font-size:12px;font-weight:700;letter-spacing:.02em;color:var(--ink)}
.calc-form input{width:100%;min-height:48px;border:1px solid #cbd2ca;border-radius:10px;background:#fff;padding:10px 12px;font-size:16px;color:var(--ink)}
.calc-output{background:var(--navy);color:#eef4ff;border-radius:18px;padding:24px;margin-top:4px}
.calc-output .eyebrow{display:block;color:#c4d1ff;margin-bottom:10px}
.calc-highlight{font-size:clamp(34px,4.8vw,62px);line-height:1;font-weight:700;letter-spacing:-.055em;margin-bottom:22px;color:#fff}
.calc-output .result-row{display:flex;justify-content:space-between;gap:18px;border-top:1px solid #ffffff26;padding:13px 0;margin:0;font-size:14px;color:#dbe5f4}
.calc-output .result-row strong{font-size:20px;line-height:1.2;color:#fff;text-align:right;white-space:nowrap}
.calc-output .fine{color:#ccd6e8;margin:18px 0 0;font-size:12px;line-height:1.6}
.calculator-disclaimer{background:#eef2f8}
.calculator-disclaimer .aside{background:#fff}
.calculator-faq{background:#f8f7f2}
body[data-path="/calculators/"] .end-cta{background:#222260}
body[data-path="/calculators/"] .end-cta p{color:#d7ddef}
@media(max-width:1100px){.calc-tool{grid-template-columns:1fr}}
@media(max-width:860px){.calculator-jump-grid{grid-template-columns:1fr}.path-intro{grid-template-columns:1fr}.calculators-hero-grid{grid-template-columns:1fr}}
@media(max-width:780px){.calculators-hero{padding:52px 0 42px}.calc-tool{padding:22px;border-radius:18px}.calc-form{padding:18px}.calc-output .result-row{display:block}.calc-output .result-row strong{display:block;text-align:left;margin-top:6px}.calculator-side-note{padding:23px}}

/* Site-wide interlinking web: each page keeps a clear route back to an appointment. */
.interlink-web{background:#eef2f8}
.interlink-web-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;margin-top:24px}
.interlink-web-grid a{display:flex;flex-direction:column;gap:10px;min-height:145px;padding:20px;background:#fff;border:1px solid #d2dae9;border-top:4px solid #7486b5;border-radius:8px;text-decoration:none;color:var(--ink)}
.interlink-web-grid a strong{font-size:18px;line-height:1.25}
.interlink-web-grid a span{font-size:14px;line-height:1.55;color:var(--muted)}
.interlink-web-cta{display:flex;align-items:center;justify-content:space-between;gap:22px;margin-top:26px;padding:22px;background:#e8e3f2;border-radius:8px}
.interlink-web-cta p{margin:0;max-width:62ch}
@media(max-width:980px){.interlink-web-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.interlink-web-cta{align-items:flex-start;flex-direction:column}}
@media(max-width:560px){.interlink-web-grid{grid-template-columns:1fr}}

body[data-path="/home/"] .conversion-home *{box-sizing:border-box}
body[data-path="/home/"] .conversion-home{margin:0;background:#f8f7f2;color:#222260;font:16px/1.65 Arial,Helvetica,sans-serif}
body[data-path="/home/"] .conversion-home a{color:inherit;text-underline-offset:4px}
body[data-path="/home/"] .conversion-home button{font:inherit;cursor:pointer}
body[data-path="/home/"] .conversion-home button:focus-visible,body[data-path="/home/"] .conversion-home a:focus-visible,body[data-path="/home/"] .conversion-home summary:focus-visible{outline:3px solid #1d419c;outline-offset:4px}
body[data-path="/home/"] .conversion-home .wrap{width:calc(100% - 48px);max-width:1120px;margin:auto}
body[data-path="/home/"] .conversion-home header{background:#f8f7f2;border-bottom:1px solid #dddde7}
body[data-path="/home/"] .conversion-home .head{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:20px 0}
body[data-path="/home/"] .conversion-home .brand{font-size:22px;line-height:1.15;font-weight:700;letter-spacing:-1px}
body[data-path="/home/"] .conversion-home .brand small{display:block;font-size:11px;letter-spacing:3px;margin-top:6px}
body[data-path="/home/"] .conversion-home .head nav{display:flex;gap:22px;font-size:14px}
body[data-path="/home/"] .conversion-home .head nav a{text-decoration:none}
body[data-path="/home/"] .conversion-home .actions{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
body[data-path="/home/"] .conversion-home .btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;border:1px solid #1d419c;border-radius:6px;padding:12px 20px;background:#1d419c;color:white;font-size:15px;font-weight:700;text-decoration:none}
body[data-path="/home/"] .conversion-home .btn:hover{background:#222260}
body[data-path="/home/"] .conversion-home .btn.green{background:#d9edda;color:#222260;border-color:#222260}
body[data-path="/home/"] .conversion-home .btn.outline{background:transparent;color:#222260;border-color:#222260}
body[data-path="/home/"] .conversion-home .btn.light{background:#e8e3f2;color:#222260;border:0}
body[data-path="/home/"] .conversion-home .call{font-weight:700}
body[data-path="/home/"] .conversion-home section{padding:64px 0}
body[data-path="/home/"] .conversion-home h1,body[data-path="/home/"] .conversion-home h2,body[data-path="/home/"] .conversion-home h3,body[data-path="/home/"] .conversion-home p{margin:0 0 20px}
body[data-path="/home/"] .conversion-home h1{font-size:clamp(42px,5vw,64px);line-height:1.07;letter-spacing:-2px;font-weight:500}
body[data-path="/home/"] .conversion-home h2{font-size:clamp(30px,4vw,42px);line-height:1.16;letter-spacing:-1px;font-weight:500}
body[data-path="/home/"] .conversion-home h3{font-size:22px;line-height:1.3}
body[data-path="/home/"] .conversion-home em{font-family:Georgia,serif;font-weight:400;color:#1d419c}
body[data-path="/home/"] .conversion-home .eyebrow{display:block;font-size:12px;font-weight:700;letter-spacing:1.7px;margin-bottom:16px}
body[data-path="/home/"] .conversion-home .grid{display:grid;grid-template-columns:1.08fr 1fr;gap:54px;align-items:center}
body[data-path="/home/"] .conversion-home .lead{font-size:19px;line-height:1.6}
body[data-path="/home/"] .conversion-home .small{font-size:14px}
body[data-path="/home/"] .conversion-home .muted{color:#55566d}
body[data-path="/home/"] .conversion-home .hero{padding:48px 0 32px}
body[data-path="/home/"] .conversion-home .hero-photo{position:relative}
body[data-path="/home/"] .conversion-home .hero-photo img{width:100%;height:510px;object-fit:cover;object-position:center;border-radius:8px 8px 64px 8px}
body[data-path="/home/"] .conversion-home .photo-note{position:absolute;bottom:24px;right:0;padding:20px;background:#e8e3f2;font:24px/1.25 Georgia,serif}
body[data-path="/home/"] .conversion-home .trust{display:flex;gap:24px;flex-wrap:wrap;border-top:1px solid #b8c2db;padding-top:20px;margin-top:32px;font-size:14px}
body[data-path="/home/"] .conversion-home .proof-early{background:#fff;padding:24px 0}
body[data-path="/home/"] .conversion-home .proof-inner{display:grid;grid-template-columns:220px 1fr auto;align-items:center;gap:28px}
body[data-path="/home/"] .conversion-home .proof-inner p{margin:0}
body[data-path="/home/"] .conversion-home .placeholder{border:1px dashed #7486b5;background:#f1f3f8;padding:18px;color:#474b66;font-size:14px;border-radius:6px}
body[data-path="/home/"] .conversion-home .placeholder strong{display:block;color:#222260}
body[data-path="/home/"] .conversion-home .note{background:#fff4d8;border-left:3px solid #b68a2d;color:#594918;padding:14px 18px;font-size:14px;margin:20px 0}
body[data-path="/home/"] .conversion-home .hide-notes .note{display:none}
body[data-path="/home/"] .conversion-home .sectionhead{display:flex;align-items:end;justify-content:space-between;gap:32px;margin-bottom:28px}
body[data-path="/home/"] .conversion-home .sectionhead h2{margin:0}
body[data-path="/home/"] .conversion-home .sectionhead p{max-width:360px;margin:0}
body[data-path="/home/"] .conversion-home .cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
body[data-path="/home/"] .conversion-home .card{background:#e8e3f2;border-top:4px solid #7486b5;padding:26px;border-radius:6px;display:flex;flex-direction:column;text-decoration:none}
body[data-path="/home/"] .conversion-home .card p{flex:1}
body[data-path="/home/"] .conversion-home .card span{font-size:14px;font-weight:700;color:#1d419c}
body[data-path="/home/"] .conversion-home .dark{background:#222260;color:white}
body[data-path="/home/"] .conversion-home .dark em{color:#e8e3f2}
body[data-path="/home/"] .conversion-home .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin:30px 0}
body[data-path="/home/"] .conversion-home .steps article{border-top:1px solid #7486b5;padding-top:20px}
body[data-path="/home/"] .conversion-home .num{display:block;font-size:13px;margin-bottom:12px;color:#cbd5ef}
body[data-path="/home/"] .conversion-home .booking-facts{display:flex;gap:12px 24px;flex-wrap:wrap;margin:24px 0;font-size:14px}
body[data-path="/home/"] .conversion-home .sage{background:#dce5de}
body[data-path="/home/"] .conversion-home .review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
body[data-path="/home/"] .conversion-home .review{padding:24px;background:#f8f7f2;border-radius:6px}
body[data-path="/home/"] .conversion-home .review h3{font-size:19px}
body[data-path="/home/"] .conversion-home .chris{display:flex;gap:20px;align-items:center;margin-top:32px;padding-top:28px;border-top:1px solid #b7c7bd}
body[data-path="/home/"] .conversion-home .chris img{width:76px;height:92px;object-fit:cover;object-position:50% 20%;border-radius:6px}
body[data-path="/home/"] .conversion-home .chris p{margin:0}
body[data-path="/home/"] .conversion-home .credentials{background:#fff}
body[data-path="/home/"] .conversion-home .logos{display:flex;justify-content:space-between;align-items:center;gap:24px;margin:24px 0}
body[data-path="/home/"] .conversion-home .logos img{width:28%;height:65px;object-fit:contain}
body[data-path="/home/"] .conversion-home .credential-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:32px}
body[data-path="/home/"] .conversion-home .credential-grid>div{background:#f8f7f2;padding:24px;border-top:3px solid #7486b5}
body[data-path="/home/"] .conversion-home .locations{display:grid;grid-template-columns:1fr 1fr;gap:32px}
body[data-path="/home/"] .conversion-home .locations>div{border-top:1px solid #7486b5;padding-top:24px}
body[data-path="/home/"] .conversion-home .faq{background:#fff}
body[data-path="/home/"] .conversion-home details{border-bottom:1px solid #dddde7;padding:18px 0}
body[data-path="/home/"] .conversion-home summary{font-size:17px;font-weight:600;cursor:pointer}
body[data-path="/home/"] .conversion-home details p{margin:16px 0 0;max-width:70ch}
body[data-path="/home/"] .conversion-home .close{text-align:center;background:#ead5c9}
body[data-path="/home/"] .conversion-home .close .actions{justify-content:center}
body[data-path="/home/"] .conversion-home footer{background:#222260;color:white;padding:34px 0;font-size:14px}
body[data-path="/home/"] .conversion-home .foot{display:flex;justify-content:space-between;gap:20px}
body[data-path="/home/"] .conversion-home dialog{border:0;border-radius:12px;padding:30px;max-width:540px;width:calc(100% - 36px);color:#222260}
body[data-path="/home/"] .conversion-home dialog::backdrop{background:#22226099}
body[data-path="/home/"] .conversion-home dialog h2{font-size:28px}
body[data-path="/home/"] .conversion-home dialog .dismiss{float:right;background:none;border:0;font-size:24px}
body[data-path="/home/"] .conversion-home dialog li{margin-bottom:10px}
body[data-path="/home/"] .conversion-home .mobilebar{display:none}
@media(max-width:850px){body[data-path="/home/"] .conversion-home .grid{grid-template-columns:1fr;gap:28px}
body[data-path="/home/"] .conversion-home .hero-photo img{height:360px}
body[data-path="/home/"] .conversion-home .head nav{display:none}
body[data-path="/home/"] .conversion-home .cards{grid-template-columns:1fr 1fr}
body[data-path="/home/"] .conversion-home .proof-inner{grid-template-columns:1fr}
body[data-path="/home/"] .conversion-home .review-grid{grid-template-columns:1fr}
body[data-path="/home/"] .conversion-home .steps{grid-template-columns:1fr}
body[data-path="/home/"] .conversion-home .sectionhead{display:block}
body[data-path="/home/"] .conversion-home .sectionhead p{margin-top:16px}
body[data-path="/home/"] .conversion-home .credential-grid,body[data-path="/home/"] .conversion-home .locations{grid-template-columns:1fr}
body[data-path="/home/"] .conversion-home .head{flex-wrap:wrap}
body[data-path="/home/"] .conversion-home .head .actions{width:100%}
body[data-path="/home/"] .conversion-home .head .actions>*{flex:1;font-size:13px;padding-inline:10px}
body[data-path="/home/"] .conversion-home .hero{padding-top:32px}
body[data-path="/home/"] .conversion-home section{padding:44px 0}
body[data-path="/home/"] .conversion-home .mobilebar{display:flex;position:fixed;bottom:0;background:#f8f7f2;width:100%;padding:10px 16px;gap:12px;border-top:1px solid #dddde7;z-index:2}
body[data-path="/home/"] .conversion-home .mobilebar>*{flex:1;font-size:13px}
body[data-path="/home/"] .conversion-home .foot{display:block}
body[data-path="/home/"] .conversion-home footer{padding-bottom:110px}
}@media(max-width:480px){body[data-path="/home/"] .conversion-home .cards{grid-template-columns:1fr}
body[data-path="/home/"] .conversion-home .hero .actions>*{width:100%;text-align:center}
body[data-path="/home/"] .conversion-home .wrap{width:calc(100% - 36px)}
body[data-path="/home/"] .conversion-home .trust{gap:12px}
body[data-path="/home/"] .conversion-home .logos{gap:10px}
body[data-path="/home/"] .conversion-home .photo-note{font-size:21px}
body[data-path="/home/"] .conversion-home .chris{align-items:flex-start}
}
body[data-path="/home/"]{--home-width:1120px;--home-gutter:clamp(20px,4vw,48px)}
body[data-path="/home/"] .wrap,body[data-path="/home/"] .conversion-home .wrap{width:calc(100% - var(--home-gutter)*2);max-width:var(--home-width);margin-inline:auto}
body[data-path="/home/"] .conversion-home .hero-photo{height:auto}
body[data-path="/home/"] .conversion-home .hero-photo>img{height:510px}
body[data-path="/home/"] .conversion-home .review-grid{grid-template-columns:1fr 1fr}
body[data-path="/home/"] .conversion-home h1,body[data-path="/home/"] .conversion-home h2,body[data-path="/home/"] .conversion-home h3{color:inherit}
body[data-path="/home/"] .conversion-home .dark em{color:#e8e3f2}
body[data-path="/home/"] .conversion-home .all-areas-link{display:inline-flex;align-items:center;min-height:48px;margin:24px 0 20px;padding:8px 0;font-weight:600}
body[data-path="/home/"] .conversion-home .chris img{background:#f8f7f2}
body[data-path="/home/"] .awards-strip,body[data-path="/home/"] .lenders-section{width:100%;max-width:none;margin:0;padding-block:32px;background:#fff}
body[data-path="/home/"] .publisher-strip{padding-block:32px;background:#fff}
body[data-path="/home/"] .publisher-strip .fine{font-size:14px}
body[data-path="/home/"] .awards-strip-heading h2,body[data-path="/home/"] .lenders-heading h2{font-size:32px;line-height:1.2}
body[data-path="/home/"] .header-inner{height:auto;min-height:96px;padding-block:12px}
@media(max-width:850px){body[data-path="/home/"] .conversion-home .hero-photo>img{height:360px}body[data-path="/home/"] .conversion-home .review-grid{grid-template-columns:1fr}}
@media(max-width:700px){body[data-path="/home/"] .header-inner{min-height:0}body[data-path="/home/"] #main section[id]{scroll-margin-top:160px}}
@media(max-width:680px){body[data-path="/home/"] .publisher-track,body[data-path="/home/"] .awards-logo-track,body[data-path="/home/"] .lenders-track{animation:none!important;transform:none!important}body[data-path="/home/"] .publisher-duplicate,body[data-path="/home/"] .awards-logo-duplicate,body[data-path="/home/"] .lenders-duplicate,body[data-path="/home/"] .publisher-pause,body[data-path="/home/"] .awards-pause,body[data-path="/home/"] .lenders-toggle{display:none!important}body[data-path="/home/"] .publisher-viewport,body[data-path="/home/"] .awards-viewport,body[data-path="/home/"] .lenders-viewport{overflow-x:auto!important}}

/* Screenshot-led family copy and a direct Google reviews panel. */
body[data-path="/home/"] .conversion-home .hero-trust-statement{font-size:clamp(20px,2vw,24px);line-height:1.4;color:#222260;margin:0 0 24px}
body[data-path="/home/"] .conversion-home .hero-family-purpose{font-size:16px;line-height:1.65;color:#53536c;margin-bottom:24px;max-width:56ch}
body[data-path="/home/"] .conversion-home .photo-note strong{font-weight:700}
body[data-path="/home/"] .conversion-home .google-reviews-widget{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(270px,1fr);gap:40px;align-items:center;padding:32px;background:#eef3f9;border:1px solid #d1dbe9;border-top:4px solid #7486b5;border-radius:8px}
body[data-path="/home/"] .conversion-home .google-reviews-widget h2{font-size:clamp(27px,3vw,34px);margin-bottom:16px}
body[data-path="/home/"] .conversion-home .google-reviews-intro p{margin-bottom:0;max-width:58ch}
body[data-path="/home/"] .conversion-home .google-reviews-actions p{font-size:14px;margin:18px 0 4px}
body[data-path="/home/"] .conversion-home .google-write-review{display:inline-flex;align-items:center;min-height:44px;font-size:15px;font-weight:600;color:#1d419c;text-decoration:underline;text-underline-offset:4px}
body[data-path="/home/"] .conversion-home .google-reviews-note{display:block;font-size:13px;color:#53536c;margin-top:8px}
@media(max-width:760px){body[data-path="/home/"] .conversion-home .google-reviews-widget{grid-template-columns:1fr;gap:24px;padding:24px}body[data-path="/home/"] .conversion-home .google-reviews-actions .btn{width:100%}}

/* Homepage conversion journey: trust, visitor intent, useful tools, appointment. */
body[data-path="/home/"] .conversion-home .home-hero{padding-bottom:44px}
body[data-path="/home/"] .conversion-home .home-hero h1{font-size:clamp(46px,5.7vw,76px);line-height:1.04;letter-spacing:-.055em}
body[data-path="/home/"] .conversion-home .trust a{display:inline-flex;align-items:center;min-height:40px;color:#222260;font-weight:700;text-decoration:underline;text-underline-offset:5px}
body[data-path="/home/"] .conversion-home .home-paths{background:#f8f7f2;padding:48px 0}
body[data-path="/home/"] .conversion-home .home-paths .sectionhead{align-items:start;margin-bottom:22px}
body[data-path="/home/"] .conversion-home .home-paths .sectionhead h2{max-width:570px;font-size:clamp(30px,3.5vw,40px)}
body[data-path="/home/"] .conversion-home .home-paths .sectionhead p{max-width:380px;font-size:15px;line-height:1.55}
body[data-path="/home/"] .conversion-home .home-paths .card{background:#fff;border:1px solid #d8dce8;border-top:5px solid #7486b5;min-height:190px;padding:22px}
body[data-path="/home/"] .conversion-home .home-paths .card:hover{box-shadow:0 16px 45px #22226010}
body[data-path="/home/"] .conversion-home .home-paths .card h3{font-size:20px;line-height:1.25;margin-bottom:10px}
body[data-path="/home/"] .conversion-home .home-paths .card p{font-size:14px;line-height:1.5;margin-bottom:16px}
body[data-path="/home/"] .conversion-home .home-paths .card span{font-size:13px}
body[data-path="/home/"] .conversion-home .home-calculator-section{background:#eef2f8;padding:52px 0}
body[data-path="/home/"] .conversion-home .home-calculator-section .wrap{max-width:940px}
body[data-path="/home/"] .conversion-home .home-calculator-section .sectionhead{margin-bottom:22px}
body[data-path="/home/"] .conversion-home .home-calculator-section .sectionhead h2{font-size:clamp(29px,3.2vw,38px)}
body[data-path="/home/"] .conversion-home .home-calculator-section .sectionhead p{font-size:14px;line-height:1.55}
body[data-path="/home/"] .conversion-home .home-calculator-suite{gap:14px;max-width:900px;margin-inline:auto}
body[data-path="/home/"] .conversion-home .home-calculator-suite .calc-tool{grid-template-columns:minmax(190px,.62fr) minmax(0,1.38fr);gap:24px;padding:19px;border-radius:12px}
body[data-path="/home/"] .conversion-home .home-calculator-suite .calc-tool-copy h2{font-size:clamp(25px,2.4vw,31px);margin-bottom:10px}
body[data-path="/home/"] .conversion-home .home-calculator-suite .calc-tool-copy p{font-size:14px;line-height:1.55;margin-bottom:10px}
body[data-path="/home/"] .conversion-home .home-calculator-suite .calc-form{background:#fff;gap:11px;padding:16px;border-radius:12px}
body[data-path="/home/"] .conversion-home .home-calculator-suite .calc-form input{min-height:44px}
body[data-path="/home/"] .conversion-home .home-calculator-suite .calc-output{padding:17px;border-radius:12px}
body[data-path="/home/"] .conversion-home .home-calculator-suite .calc-highlight{font-size:clamp(34px,4vw,46px);margin-bottom:12px}
body[data-path="/home/"] .conversion-home .home-calculator-suite .calc-output .result-row{padding:8px 0;font-size:12px}
body[data-path="/home/"] .conversion-home .home-calculator-suite .calc-output .result-row strong{font-size:16px}
body[data-path="/home/"] .conversion-home .home-calculator-suite .calc-output .fine{font-size:11px;line-height:1.5;margin-top:11px}
body[data-path="/home/"] .conversion-home .home-calculator-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:18px}
body[data-path="/home/"] .conversion-home .home-calculator-links a,body[data-path="/home/"] .conversion-home .home-web-grid a{display:flex;flex-direction:column;gap:10px;min-height:132px;background:#fff;border:1px solid #d4dbe9;border-top:4px solid #7486b5;border-radius:12px;padding:20px;text-decoration:none}
body[data-path="/home/"] .conversion-home .home-calculator-links strong,body[data-path="/home/"] .conversion-home .home-web-grid strong{font-size:19px;line-height:1.25}
body[data-path="/home/"] .conversion-home .home-calculator-links span,body[data-path="/home/"] .conversion-home .home-web-grid span{font-size:13px;line-height:1.55;color:#55566d}
body[data-path="/home/"] .conversion-home .home-calc-disclaimer{max-width:82ch;margin:18px 0 0}
body[data-path="/home/"] .conversion-home .home-calc-actions{margin-top:20px}
body[data-path="/home/"] .conversion-home .home-faq{padding:34px 0}
body[data-path="/home/"] .conversion-home .home-faq .wrap{max-width:760px}
body[data-path="/home/"] .conversion-home .home-faq h2{font-size:32px;margin-bottom:12px}
body[data-path="/home/"] .conversion-home .home-faq details{padding:7px 0}
body[data-path="/home/"] .conversion-home .home-faq summary{font-size:15px;line-height:1.4}
body[data-path="/home/"] .conversion-home .home-faq details p{margin-top:6px;font-size:14px;line-height:1.5}
body[data-path="/home/"] .conversion-home .home-faq .wrap>p{margin-top:14px;font-size:14px}
body[data-path="/home/"] .conversion-home .home-decision-web{background:#fff;padding:64px 0}
body[data-path="/home/"] .conversion-home .home-decision-web h2{max-width:680px}
body[data-path="/home/"] .conversion-home .home-web-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:28px}
body[data-path="/home/"] .conversion-home .home-web-grid a:nth-child(3n+2){background:#e8e3f2}
body[data-path="/home/"] .conversion-home .home-web-grid a:nth-child(3n){background:#dce5de}
body[data-path="/home/"] .conversion-home .review-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
body[data-path="/home/"] .conversion-home .review{min-height:210px}
body[data-path="/home/"] .conversion-home .close{background:#e8e3f2}
body[data-path="/home/"] .conversion-home .media + .home-calculator-section{margin-top:0}
@media(max-width:980px){body[data-path="/home/"] .conversion-home .home-calculator-suite .calc-tool{grid-template-columns:1fr}body[data-path="/home/"] .conversion-home .home-calculator-links,body[data-path="/home/"] .conversion-home .home-web-grid{grid-template-columns:1fr 1fr}body[data-path="/home/"] .conversion-home .review-grid{grid-template-columns:1fr}}
@media(max-width:620px){body[data-path="/home/"] .conversion-home .home-calculator-links,body[data-path="/home/"] .conversion-home .home-web-grid{grid-template-columns:1fr}body[data-path="/home/"] .conversion-home .home-calculator-suite .calc-tool{padding:17px}body[data-path="/home/"] .conversion-home .home-paths{padding:36px 0}body[data-path="/home/"] .conversion-home .home-paths .card{min-height:0}}

/* Approved site-wide experience: one visual system, purpose-specific page hierarchy. */
body:not([data-path="/home/"]){--max:1120px;--experience-gutter:clamp(20px,4vw,48px)}
body:not([data-path="/home/"]) .wrap{width:calc(100% - var(--experience-gutter)*2);max-width:1120px;margin-inline:auto}
body:not([data-path="/home/"]) .header-inner{height:auto;min-height:96px;padding-block:12px}
body:not([data-path="/home/"]) .section{padding-block:clamp(40px,6vw,72px)}
body:not([data-path="/home/"]) .section.no-top{padding-top:24px}
body:not([data-path="/home/"]) .page-hero{padding-block:40px 36px}
body:not([data-path="/home/"]) h1{font-size:clamp(38px,5vw,64px);line-height:1.12;letter-spacing:-.035em;text-wrap:balance}
body:not([data-path="/home/"]) h2{font-size:clamp(28px,3.2vw,40px);line-height:1.2;letter-spacing:-.025em;text-wrap:balance}
body:not([data-path="/home/"]) h3{font-size:22px;line-height:1.3;letter-spacing:-.015em}
body:not([data-path="/home/"]) .lead{font-size:clamp(17px,1.6vw,19px);line-height:1.65;max-width:62ch}
body:not([data-path="/home/"]) .eyebrow{font-size:12px;line-height:1.5;letter-spacing:.12em;margin-bottom:16px}
body:not([data-path="/home/"]) .fine,body:not([data-path="/home/"]) .sources small,body:not([data-path="/home/"]) .prose .sources p,body:not([data-path="/home/"]) .prose .sources li{font-size:14px;line-height:1.65}
body:not([data-path="/home/"]) .prose{font-size:17px;line-height:1.75;min-width:0}
body:not([data-path="/home/"]) .prose p,body:not([data-path="/home/"]) .prose li{max-width:72ch}
body:not([data-path="/home/"]) .reading-grid{gap:clamp(24px,4vw,48px);align-items:start}
body:not([data-path="/home/"]) .hero-grid{gap:clamp(24px,4vw,48px);align-items:center}
body:not([data-path="/home/"]) .btn{min-height:48px;line-height:1.5;border-radius:6px;font-size:15px;font-weight:700;padding:12px 20px}
body:not([data-path="/home/"]) .text-link{font-size:15px;min-height:44px;line-height:1.5}
body:not([data-path="/home/"]) .buttons{gap:16px 24px}
body:not([data-path="/home/"]) .content-card,body:not([data-path="/home/"]) .index-card{min-width:0;padding:26px}
body:not([data-path="/home/"]) .content-card p,body:not([data-path="/home/"]) .index-card p{font-size:16px;line-height:1.65}
body:not([data-path="/home/"]) .index-card{display:flex;flex-direction:column}
body:not([data-path="/home/"]) .index-card>.text-link{margin-top:auto;align-self:flex-start}
body:not([data-path="/home/"]) .faq summary{font-size:17px;line-height:1.5;padding-block:18px;min-height:48px}
body:not([data-path="/home/"]) .end-cta{padding-block:48px}
body:not([data-path="/home/"]) .end-cta h2{font-size:clamp(30px,3.5vw,42px)}
.experience-reassurance{font-size:14px;line-height:1.6;color:#53536c;margin:16px 0 0;max-width:52ch}
.experience-summary{background:#e8e3f2;padding:36px 0;margin-bottom:24px}
.experience-summary h2{margin-bottom:24px}
.experience-summary>.wrap>p{max-width:72ch}
.experience-questions{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;margin:24px 0}
.experience-questions h3{margin-bottom:12px}
.experience-questions p{font-size:16px;line-height:1.65;margin-bottom:0}
.experience-contents{background:#f0f3fa;border:1px solid #d2d9e8;border-radius:6px;padding:20px 24px;margin-block:0 32px!important}
.experience-contents strong{font-size:14px;display:block;margin-bottom:12px}
.experience-contents>div{display:flex;gap:8px 24px;flex-wrap:wrap}
.experience-contents a{font-size:14px;padding:8px 0;color:#1d419c;text-decoration:underline;text-underline-offset:4px}
body:not([data-path="/home/"]) h2[id]{scroll-margin-top:120px}
.experience-paths{padding:28px 0 36px;background:#f0f3fa;margin-bottom:24px}
.experience-paths h2{margin-bottom:22px}
.experience-path-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.experience-path-grid a{padding:18px 20px;min-height:58px;display:flex;align-items:center;background:#e8e3f2;border-top:3px solid #7486b5;border-radius:5px;font-size:16px;font-weight:600;text-decoration:none}
.experience-path-grid a:hover{background:#dce3f4}
.experience-office{font-size:14px;margin:20px 0 0}.experience-office a{text-decoration:underline;text-underline-offset:4px}
body:not([data-path="/home/"]) .experience-family-photo>img{aspect-ratio:4/5;width:100%;height:auto;max-height:560px;object-fit:cover;border-radius:8px 8px 60px 8px}
.experience-booking-panel{background:#e8e3f2;border-top:4px solid #7486b5;border-radius:6px;padding:32px}
.experience-booking-panel h2{margin-bottom:20px}
.experience-booking-panel ul{padding-left:20px;margin-block:20px}
.experience-booking-panel>.btn{margin-bottom:20px}
.experience-booking-panel p:last-child{margin-bottom:0}
.experience-booking-panel p a{text-decoration:underline;text-underline-offset:4px}
.experience-stage{background:#e8e3f2;padding:24px 28px;border-radius:6px;margin-bottom:32px!important}
.experience-stage p{margin:10px 0 18px;max-width:70ch}
body:not([data-path="/home/"]) .experience-guide-toc{position:static;max-width:1120px;width:calc(100% - var(--experience-gutter)*2);margin:0 auto 32px;background:#eef2f8;padding:24px;border-radius:6px}
body:not([data-path="/home/"]) .experience-guide-toc a{font-size:15px;min-height:40px;padding-block:8px}
body:not([data-path="/home/"]) .topic-body{font-size:17px;line-height:1.75}
body:not([data-path="/home/"]) .topic-body p{max-width:72ch}
body[data-path="/calculator/"] .page-hero{padding-block:28px 18px}
body[data-path="/calculator/"] .calculator-result{align-self:start;position:sticky;top:116px}
body[data-path="/media/"] .media-controls{padding:22px;background:#e8e3f2;border-radius:6px;margin-bottom:24px}
body[data-path="/media/"] .archive-notice{font-size:14px;padding:20px;margin-bottom:24px}
body[data-path="/media/"] .media-card h3{font-size:23px;line-height:1.3}
body[data-path="/media/"] .publisher-strip .fine{font-size:14px}
body[data-path="/about/"] .experience-about-intro{align-items:start}
body[data-path="/about/"] .portrait-block{max-width:440px}
body[data-path="/lenders/"] .lenders-section{width:100%;max-width:none}
body[data-path="/lenders/"] .lenders-section>.wrap{width:calc(100% - var(--experience-gutter)*2)}
body[data-path="/awards/"] .award-entry h3{font-size:20px}
body[data-path="/awards/"] .award-entry p{font-size:16px}
body[data-path^="/your-next-step/"] .booking-panel{padding:30px}
body[data-path^="/your-next-step/"] .landing-hero{padding-block:36px}
body[data-path^="/your-next-step/"] .landing-copy>p{max-width:60ch}
body[data-path^="/offices/"] .office-address-panel{padding:28px}
body[data-path^="/offices/"] .office-address-panel address{font-size:18px;line-height:1.7}
body[data-path="/utilities-connections/"] .utilities-panel{padding:28px}
body[data-path="/e-newsletter/"] .newsletter-card{display:flex;flex-direction:column}
body[data-path="/e-newsletter/"] .newsletter-card>a:last-child{margin-top:auto}
body[data-path="/privacy/"] .legal-copy,body[data-path="/disclaimer/"] .legal-copy,body[data-path="/complaints/"] .legal-copy{max-width:76ch;font-size:17px;line-height:1.75}
@media(max-width:900px){body:not([data-path="/home/"]) .hero-grid,body:not([data-path="/home/"]) .reading-grid{grid-template-columns:1fr}.experience-questions{grid-template-columns:1fr;gap:24px}.experience-path-grid{grid-template-columns:1fr}.experience-family-photo{max-width:600px}.experience-contents>div{display:grid;grid-template-columns:1fr 1fr}body[data-path="/calculator/"] .calculator-result{position:static}}
@media(max-width:700px){body:not([data-path="/home/"]) .header-inner{min-height:0}body:not([data-path="/home/"]) .section-heading{display:block}body:not([data-path="/home/"]) .section-heading>p{margin-top:16px}body:not([data-path="/home/"]) .three-cards{grid-template-columns:1fr}.experience-contents>div{grid-template-columns:1fr}.experience-summary,.experience-paths{padding-block:28px}.experience-booking-panel{padding:24px}.experience-stage{padding:22px}body:not([data-path="/home/"]) h2[id],body:not([data-path="/home/"]) section[id]{scroll-margin-top:165px}body:not([data-path="/home/"]) .experience-family-photo>img{max-height:440px}body:not([data-path="/home/"]) .page-hero{padding-block:28px}}
@media(prefers-reduced-motion:reduce){body:not([data-path="/home/"]) .btn{transition:none;transform:none}}

/* Chris portraits sit directly on the page, without a separate backdrop. */
body[data-path] img[src*="chris-transparent"],body[data-path="/home/"] .conversion-home .chris img{background:transparent!important;border-radius:0;box-shadow:none;border:0}
body[data-path] .portrait-block{background:transparent;border-color:transparent;box-shadow:none}

/* Geographic service-area groups: names and headings reinforce the colours. */
.area-region-nav{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px}
.area-region-nav a{display:inline-flex;align-items:center;min-height:44px;padding:10px 16px;border:1px solid #7486b5;border-radius:6px;color:#222260;background:#fff;font-size:14px;font-weight:600}
.area-region-nav a:hover{background:#e8e3f2}
.area-region{padding:38px 0;scroll-margin-top:125px}
.area-region-heading{display:flex;justify-content:space-between;align-items:end;gap:32px;margin-bottom:24px}
body[data-path="/areas/"] .area-region-heading h2{font-size:clamp(28px,3vw,36px);max-width:600px}
.area-region-heading p{max-width:340px;margin:0;color:#53536c}
.area-region-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.area-region.region-coast .area-region-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
body[data-path="/areas/"] .area-region .index-card{background:var(--area-bg);color:#222260;border:1px solid var(--area-border);border-top:5px solid var(--area-border);border-radius:7px;padding:28px;min-height:0}
body[data-path="/areas/"] .area-region .index-card h3{font-size:25px;margin-bottom:18px;color:#222260}
body[data-path="/areas/"] .area-region .index-card p{color:#343955}
body[data-path="/areas/"] .area-region .index-card .eyebrow{color:#222260;min-height:36px}
body[data-path="/areas/"] .area-region .index-card .text-link{color:#1d419c;font-size:15px;margin-top:auto}
body[data-path="/areas/"] .area-region .index-card:hover{border-color:#222260;box-shadow:0 6px 20px #22226012}
.region-east{--area-bg:#e8e3f2;--area-border:#7486b5}
.region-northeast{--area-bg:#dce5de;--area-border:#738c81}
.region-hills{--area-bg:#dbe2f4;--area-border:#52699a}
.region-coast{--area-bg:#c9e1f2;--area-border:#5e86ad}
.region-golden{--area-bg:#ead5c9;--area-border:#aa8675}
@media(max-width:900px){.area-region-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.area-region-heading{display:block}.area-region-heading p{margin-top:14px;max-width:60ch}}
@media(max-width:600px){.area-region-grid,.area-region.region-coast .area-region-grid{grid-template-columns:1fr}.area-region{padding-block:28px;scroll-margin-top:165px}.area-region-nav{gap:8px}.area-region-nav a{font-size:13px}body[data-path="/areas/"] .area-region .index-card{padding:24px}}

/* Team: human profiles lead, with a modest and explicit AI introduction. */
.team-jumps{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}
.team-jumps a{border:1px solid #7486b5;border-radius:30px;padding:12px 18px;font-size:1rem;color:#222260;background:#fff;text-decoration:none}
.team-jumps a:hover,.team-jumps a:focus-visible{background:#e8e3f2}
.team-section{scroll-margin-top:180px}
.team-profile{display:grid;grid-template-columns:minmax(240px,.8fr) minmax(0,1.2fr);gap:clamp(28px,5vw,72px);align-items:center}
.team-portrait{background:#e8e3f2;border-radius:24px;overflow:hidden;align-self:stretch;display:flex;align-items:flex-end;justify-content:center}
.team-portrait img{display:block;width:100%;max-width:390px;height:auto;max-height:640px;object-fit:contain;object-position:bottom;background:transparent}
.team-copy{max-width:680px}.team-copy p{font-size:1.0625rem;line-height:1.75}.team-role{font-size:1.0625rem;font-weight:700;color:#1d419c;margin:16px 0 22px}
.team-panel{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.4fr);gap:clamp(24px,5vw,64px);padding:clamp(24px,4vw,56px);border-radius:24px;color:#222260}
.team-peter{background:#dce5de}.team-operations{background:#dce8f5}.team-frankie{background:#f1f3f8;border:1px solid #cbd1e0}
.team-panel h2{font-size:clamp(2rem,3.7vw,3.5rem);line-height:1.13}.team-frankie h2{margin-top:18px}
.team-ai-label{display:inline-block;padding:7px 12px;border:1px solid #7486b5;border-radius:6px;font-size:.875rem;font-weight:700;letter-spacing:.08em}
.team-note{border-top:1px solid #7486b5;padding-top:20px}.team-secondary{display:block;margin-top:20px;text-decoration:underline}.team-copy a{overflow-wrap:anywhere}
@media(max-width:760px){.team-profile,.team-panel{grid-template-columns:1fr}.team-portrait{max-height:400px}.team-portrait img{max-height:400px;width:auto;max-width:100%}.team-jumps{gap:8px}.team-section{scroll-margin-top:150px}}

/* Supplied team portrait fills its frame without altering the original image. */
.team-chris .team-portrait{align-self:center;background:transparent}
.team-chris .team-portrait img{width:100%;max-width:none;height:auto;max-height:none}
@media(max-width:760px){.team-chris .team-portrait{max-height:none;max-width:420px;margin-inline:auto}.team-chris .team-portrait img{max-height:none}}

.frankie-portrait{margin:0 0 22px;max-width:300px}.frankie-portrait img{display:block;width:100%;height:auto;border-radius:16px}.frankie-portrait figcaption{margin-top:8px;font-size:.875rem;line-height:1.5;color:#222260}.team-frankie{align-items:center}

.footer .footer-social{margin-top:28px}.footer .footer-social h3{font-size:.875rem;letter-spacing:.06em;margin:0 0 10px}.footer .footer-social nav{display:flex;flex-wrap:wrap;gap:4px 16px}.footer .footer-social a{display:inline-flex;align-items:center;min-height:44px;font-size:.9375rem;text-decoration:underline;text-underline-offset:5px}.footer .footer-social a:hover{opacity:.8}.footer .footer-social a:focus-visible{outline:2px solid currentColor;outline-offset:4px;border-radius:2px}

.footer .footer-social nav{gap:12px}.footer .footer-social a{width:44px;height:44px;justify-content:center;text-decoration:none;border-radius:6px}.footer .footer-social svg{width:25px;height:25px;display:block;flex:none}.footer .footer-social a:hover{background:#7486b526;opacity:1}

/* Shared footer contact block: consistent type and a single left alignment. */
.footer .footer-contact{display:flex;flex-direction:column;align-items:flex-start;gap:20px;align-self:start;min-width:0}
.footer .footer-contact .brand{display:block;width:200px;max-width:100%;margin:0}
.footer .footer-contact .brand img.frf-logo{width:100%;height:auto}
.footer .footer-contact>p{margin:0;max-width:28ch;font-family:var(--sans);font-size:1rem;line-height:1.65;letter-spacing:normal}
.footer .footer-contact>.footer-phone{display:inline-flex;align-items:center;min-height:44px;margin:0;font-family:var(--sans);font-size:1.375rem;font-weight:600;line-height:1.3;letter-spacing:0;white-space:nowrap}
.footer .footer-contact .footer-social{margin:0;width:100%}
.footer .footer-grid h3{font-family:var(--sans);font-size:.875rem;font-weight:600;line-height:1.5;letter-spacing:.08em;margin:0 0 16px}
.footer .footer-contact .footer-social h3{margin-bottom:8px}
.footer .footer-social nav{display:flex;align-items:center;justify-content:flex-start;gap:8px}
.footer .footer-social a{justify-content:flex-start;padding:0;width:44px;height:44px;min-height:44px}
.footer .footer-social svg{width:26px;height:26px}
.footer .footer-grid li{font-size:.875rem;line-height:1.6}
@media(max-width:600px){.footer .footer-contact{gap:16px}.footer .footer-contact .brand{width:184px}.footer .footer-contact>.footer-phone{font-size:1.25rem}}

/* Footer-linked client resource pages */
.resource-hero{padding:64px 0 68px;background:#DFE9F7;color:#222260}
.resource-hero h1{max-width:920px;margin:16px 0 24px}
.resource-hero .lead{max-width:760px}
.resource-sage{background:#DCE5DE}.resource-lavender{background:#E8E3F2}
.resource-split{display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:start}
.resource-split p{max-width:65ch}.resource-split h2{margin-top:0}
.resource-photo{width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;border-radius:18px}
.resource-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-top:28px}
.resource-card{padding:28px;background:#F8F7F2;border:1px solid #d8dce8;border-radius:16px;min-width:0}
.resource-card h3{font-size:1.4rem;line-height:1.3;margin:0 0 16px}.resource-card .eyebrow{margin-bottom:18px;display:block}
.resource-card p{font-size:1rem;line-height:1.7}.resource-card .btn{white-space:normal;text-align:center}
.resource-note{font-size:.875rem!important;line-height:1.65;margin-top:18px;overflow-wrap:anywhere}
.resource-soft{background:#edf1f8}.resource-steps{padding-left:24px}.resource-steps li{padding-left:8px;margin-bottom:24px;line-height:1.7}.resource-steps strong{display:block}
.resource-jumps{display:flex;flex-wrap:wrap;gap:12px;padding-top:28px;padding-bottom:28px}
.resource-jumps a{padding:12px 18px;border:1px solid #7486B5;border-radius:24px;font-size:.95rem;min-height:44px}
.resource-topic{scroll-margin-top:150px}.resource-topic:nth-of-type(even){background:#f3f4f8}
@media(max-width:760px){.resource-hero{padding:40px 0}.resource-split,.resource-grid{grid-template-columns:1fr;gap:24px}.resource-card{padding:24px}.resource-jumps{gap:8px}.resource-jumps a{font-size:.875rem}.resource-topic{scroll-margin-top:110px}}

/* Free guides: shared brand styling, comfortable mobile form controls. */
.ebook-cards .resource-card{display:flex;flex-direction:column;background:#e7edf8}
.ebook-cards .resource-card:nth-child(2){background:#e8e3f2}
.ebook-cards .resource-card:nth-child(3){background:#dce5de}
.ebook-cards a{margin-top:auto;padding-top:1rem;font-weight:700}
#request-ebook{scroll-margin-top:140px}
#ebook-request-form label,#ebook-email-ready label{display:block;font-weight:600;margin:.9rem 0 .4rem}
#ebook-request-form input,#ebook-request-form select,#ebook-message{display:block;width:100%;min-height:48px;border:1px solid #7486b5;border-radius:8px;background:#fff;color:#222260;padding:12px;font:inherit;box-sizing:border-box}
#ebook-request-form .btn{margin-top:1rem;white-space:normal}
#ebook-email-ready{margin-top:2rem;border-top:1px solid #7486b5;padding-top:1.5rem}
#ebook-email-ready details{margin-top:1.5rem}
#ebook-email-ready summary{cursor:pointer;padding:.5rem 0}

.ebook-cards .ebook-cover{display:block;width:100%;height:auto;aspect-ratio:708/1000;object-fit:contain;border-radius:6px;margin:0 0 1.5rem;background:#fff;box-shadow:0 6px 18px rgb(34 34 96 / 10%)}

/* Community stories: original photography, full images and balanced captions. */
.community-logo{display:block;width:220px;max-width:100%;height:auto;margin:0 0 1.5rem}
.community-logo-square{width:120px}
.community-figure{margin:0;min-width:0}
.community-figure img{display:block;width:100%;height:auto;border-radius:12px}
.community-figure figcaption{font-size:.875rem;line-height:1.5;margin-top:.75rem;color:#454568}
.community-gallery{display:grid;grid-template-columns:1fr 1.5fr;align-items:center;gap:2rem;margin-top:2.5rem}
.community-gallery img{max-height:480px;object-fit:contain}
.community-organisations{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:.9rem 2rem;padding-left:1.2rem;margin-top:2rem}
@media(max-width:700px){.community-gallery{grid-template-columns:1fr}.community-organisations{grid-template-columns:1fr 1fr}}
@media(max-width:420px){.community-organisations{grid-template-columns:1fr}}

.office-photo{height:320px;display:flex;align-items:center;justify-content:center;background:#eef1f5;border-radius:6px;margin-bottom:26px;overflow:hidden}
.office-photo img{display:block;width:100%;height:100%;object-fit:contain}
@media(max-width:560px){.office-photo{height:280px}}

.search-answer{background:#e7edf8;padding-block:36px}
.search-answer h2{font-size:clamp(1.35rem,2.5vw,1.9rem);max-width:850px}
.search-answer p{max-width:850px;margin:1rem 0;line-height:1.7}
.search-answer a{font-weight:600}

.newsletter-cards .newsletter-story-image{display:block;width:100%;height:auto;aspect-ratio:300/160;object-fit:cover;border-radius:6px;margin-bottom:1.25rem}

/* Media room: editorial hierarchy with a quiet broadcast footer. */
body[data-path="/media/"] .media-room-redesign{background:#e3edf9;color:#222260;border:1px solid #bdcce2;border-radius:18px;padding:30px;min-height:0;box-shadow:0 16px 40px rgb(34 34 96 / 7%)}
.media-room-label{display:flex;flex-wrap:wrap;gap:10px;justify-content:space-between;align-items:center;border-bottom:1px solid #bbcce2;padding-bottom:18px}
.media-room-label .eyebrow{font-size:12px;margin:0;letter-spacing:.12em}
.media-room-formats{font-size:11px;letter-spacing:.06em;color:#455577}
.media-room-title{font-size:clamp(30px,3vw,43px);line-height:1.13;letter-spacing:-.035em;margin:27px 0 14px}
.media-room-title em{color:#1d419c}
.media-room-intro{font-size:16px;line-height:1.6;max-width:34ch;margin:0 0 24px;color:#454568}
.media-room-person{display:flex;align-items:center;gap:20px;padding:0 0 22px}
.media-room-person img{width:86px;height:108px;object-fit:contain;object-position:bottom;background:#cfdaed;border-radius:8px}
.media-room-person strong{display:block;font-size:18px;line-height:1.35;margin-bottom:7px}
.media-room-person span{display:block;font-size:14px;line-height:1.5}
.media-room-person small{display:block;font-size:13px;line-height:1.5;color:#455577;margin-top:3px}
.media-room-audio{background:#152b45;border-radius:10px;padding:12px 16px;display:flex;align-items:center;gap:14px}
.media-room-audio .waveform{flex:1;min-width:0;height:42px;margin:0}
.media-room-audio .waveform img{width:100%;height:42px;object-fit:fill}
.media-room-audio .mast-mark{animation:none;background:transparent;color:#fff;border:1px solid #809bb6;border-radius:6px;box-shadow:none;text-shadow:none;min-height:44px;padding:8px;font-size:12px;letter-spacing:0;white-space:normal;max-width:90px}
.media-room-link{display:block;margin-top:20px;font-size:14px;font-weight:600;text-underline-offset:4px}
@media(max-width:560px){body[data-path="/media/"] .media-room-redesign{padding:24px}.media-room-person{gap:14px}.media-room-person strong{font-size:17px}}

.assistance-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;margin:30px 0}
.assistance-grid .resource-card{background:#fff}
.assistance-grid a{overflow-wrap:anywhere;font-size:.9rem}
.assistance-grid p{line-height:1.65}
#first-home-assistance{scroll-margin-top:150px}
@media(max-width:760px){.assistance-grid{grid-template-columns:1fr}}

body[data-path="/fletchers/"] .buyer-questions li{padding:0 0 1rem .5rem;line-height:1.65}body[data-path="/fletchers/"] #open-home-checklist{scroll-margin-top:8rem}body[data-path="/fletchers/"] .resource-card .btn{white-space:normal}

.partner-intro{background:#fff;padding:28px 0 22px;border-bottom:1px solid #dddfe8}.partner-logos{display:flex;align-items:center;justify-content:center;gap:32px}.partner-logos img{object-fit:contain;width:210px;height:86px}.partner-logos img:last-child{width:260px}.partner-divider{color:#7486b5;font-size:24px}.partner-intro p{text-align:center;font-size:14px;color:#454960;margin:12px 0 0}.partnership-support .lead{max-width:760px}@media(max-width:600px){.partner-intro{padding:20px 0}.partner-logos{gap:16px}.partner-logos img{width:125px;height:60px}.partner-logos img:last-child{width:155px}.partner-intro p{font-size:12px;line-height:1.6}.partner-divider{font-size:18px}}

body[data-path="/fletchers/"] .fletchers-hero{padding:56px 0}body[data-path="/fletchers/"] .fletchers-hero .resource-split{align-items:start;gap:48px;grid-template-columns:1.15fr 1fr}body[data-path="/fletchers/"] .fletchers-hero h1{font-size:clamp(38px,4.7vw,60px);line-height:1.08;letter-spacing:-.035em;max-width:620px;margin:18px 0 24px}body[data-path="/fletchers/"] .fletchers-hero .lead{font-size:21px;line-height:1.5;max-width:520px}body[data-path="/fletchers/"] .fletchers-partner-card h2{font-size:30px;line-height:1.2;margin:16px 0}body[data-path="/fletchers/"] .fletchers-partner-card{padding:28px}body[data-path="/fletchers/"] .fletchers-partner-card li{margin:10px 0}body[data-path="/fletchers/"] .resource-grid article{display:flex;flex-direction:column}body[data-path="/fletchers/"] .resource-grid article>a{margin-top:auto;padding-top:16px;line-height:1.5}.fletchers-profile{display:grid;grid-template-columns:minmax(230px,.7fr) 1.3fr;gap:56px;align-items:center}.fletchers-profile figure{margin:0;background:#e3edf9;border-radius:20px;overflow:hidden}.fletchers-profile img{display:block;width:100%;height:420px;object-fit:contain;object-position:center bottom}.fletchers-profile figcaption{padding:18px 20px;font-size:13px;line-height:1.5;background:#f0f3f9}.fletchers-profile h2{font-size:clamp(30px,3.3vw,44px);line-height:1.16}.fletchers-team{margin-top:36px}.fletchers-reviews .wrap{display:flex;align-items:center;justify-content:space-between;gap:36px}.fletchers-reviews p{max-width:620px}.fletchers-reviews .btn{flex-shrink:0}@media(max-width:760px){body[data-path="/fletchers/"] .fletchers-hero .resource-split,.fletchers-profile{grid-template-columns:1fr;gap:28px}body[data-path="/fletchers/"] .fletchers-hero{padding:32px 0}.fletchers-profile figure{max-width:380px}.fletchers-profile img{height:340px}.fletchers-reviews .wrap{display:block}.fletchers-reviews .btn{margin-top:18px}}

.buyer-guide-hero{background:#e3edf9;padding:32px 0 56px}.buyer-guide-heading{display:grid;grid-template-columns:1.35fr 1fr;gap:56px;align-items:center;margin-top:36px}.buyer-guide-heading h1{font-size:clamp(38px,4.5vw,60px);line-height:1.1;letter-spacing:-.035em;margin:18px 0 24px}.buyer-guide-heading .lead{max-width:600px}.buyer-guide-menu{background:#fff;border-radius:20px;padding:28px}.buyer-guide-menu nav{display:grid;margin-top:12px}.buyer-guide-menu nav a{padding:14px 0;border-bottom:1px solid #e4e7ee;display:flex;gap:14px;text-decoration:none;line-height:1.5}.buyer-guide-menu nav span{color:#1d419c;font-weight:700}.buyer-guide-menu p{font-size:14px;margin:20px 0 0}.buyer-guide-body{display:grid;grid-template-columns:minmax(0,2fr) minmax(260px,1fr);gap:48px;align-items:start}.buyer-guide-step{display:grid;grid-template-columns:48px minmax(0,1fr);gap:20px;padding:0 0 40px;margin:0 0 40px;border-bottom:1px solid #dce1eb;scroll-margin-top:150px}.buyer-step-number{background:#222260;color:#fff;border-radius:50%;width:46px;height:46px;display:grid;place-items:center;font-weight:700}.buyer-guide-step h2{font-size:clamp(25px,2.8vw,34px);line-height:1.2;margin:12px 0 20px}.buyer-guide-step li{margin:12px 0;line-height:1.65}.buyer-guide-prompt{padding:20px;border-left:3px solid #7486b5;background:#f0f3f9;margin:22px 0;line-height:1.65}.buyer-guide-side{display:grid;gap:24px}.buyer-guide-side h2{font-size:28px;line-height:1.2}.buyer-guide-side .btn{white-space:normal}@media(max-width:800px){.buyer-guide-heading,.buyer-guide-body{grid-template-columns:1fr;gap:28px}.buyer-guide-hero{padding:24px 0 36px}.buyer-guide-step{grid-template-columns:36px minmax(0,1fr);gap:14px}.buyer-step-number{width:36px;height:36px;font-size:13px}.buyer-guide-menu{padding:22px}}

/* Supplied Maroondah artwork: clear, uncropped award text and compact 2023 branding. */
.award-supplied-gallery{grid-column:1 / -1;width:100%;padding-top:20px;border-top:1px solid var(--line);margin-top:16px}
.award-supplied-artwork{margin:0;max-width:320px}
.award-artwork-frame{display:block;overflow:hidden;border-radius:8px;background:#080808}
.award-supplied-artwork .award-artwork-frame img{display:block;width:100%;height:auto;max-width:none;max-height:none}
.award-supplied-artwork figcaption{font-size:14px;line-height:1.6;margin-top:12px;color:var(--ink)}
.award-supplied-artwork figcaption span{display:block;color:var(--muted);font-size:12px}
.award-artwork-wide{max-width:560px}
.award-artwork-wide .award-artwork-frame{aspect-ratio:5 / 1}
.award-artwork-wide .award-artwork-frame img{width:100%;height:auto}
@media(max-width:680px){.award-supplied-artwork{max-width:min(100%,320px)}.award-artwork-wide{max-width:100%}}

/* Homepage: choose one calculator, review cards and a clear adviser portrait. */
body[data-path="/home/"] .home-calc-choice{border:1px solid #cbd5e4;border-radius:12px;background:#fff;overflow:hidden}
body[data-path="/home/"] .home-calc-choice>summary{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:22px 26px;cursor:pointer;list-style:none;color:#222260}
body[data-path="/home/"] .home-calc-choice>summary::-webkit-details-marker{display:none}
.home-calc-choice>summary strong{display:block;font-size:20px;line-height:1.4}
.home-calc-choice>summary span span{display:block;font-size:14px;line-height:1.5;margin-top:5px;color:#536172}
.home-calc-choice>summary:focus-visible{outline:3px solid #304fa0;outline-offset:-4px}
.calc-disclosure-icon::before{content:'+';font-size:28px;font-weight:400}
.home-calc-choice[open] .calc-disclosure-icon::before{content:'−'}
body[data-path="/home/"] .conversion-home .home-calc-choice .calc-tool{border:0;border-radius:0;border-top:1px solid #e2e7ef;box-shadow:none}
.client-review{position:relative;transition:border-color .15s,box-shadow .15s}
.client-review .review-card-link{font-size:14px;font-weight:700;text-decoration:underline;text-underline-offset:4px;margin-top:auto}
.client-review .review-link-hit{position:absolute;inset:0;border-radius:18px}
.client-review:focus-within{outline:3px solid #304fa0;outline-offset:3px}
.client-review:hover{border-color:#304fa0;box-shadow:0 5px 18px #152b4510}
#google-reviews-heading a,.home-faq h2 a{color:inherit;text-decoration:none}
#google-reviews-heading a:hover,.home-faq h2 a:hover{text-decoration:underline;text-underline-offset:6px}
body[data-path="/home/"] .conversion-home #people .chris{align-items:center;gap:32px}
body[data-path="/home/"] .conversion-home #people .chris img{width:220px;height:300px;object-fit:contain;object-position:center bottom;background:transparent!important;border:0;border-radius:0;box-shadow:none;flex-shrink:0}
@media(max-width:620px){body[data-path="/home/"] .home-calc-choice>summary{padding:18px}.home-calc-choice>summary strong{font-size:18px}body[data-path="/home/"] .conversion-home #people .chris{gap:20px;flex-direction:column;align-items:flex-start}body[data-path="/home/"] .conversion-home #people .chris img{width:180px;height:250px}}

/* Compact award artwork, grouped with the existing right-hand logos. */
.award-year-logos .supplied-award-logo{width:142px;height:154px;flex:none}
.supplied-award-logo>span{display:block;position:relative;width:142px;overflow:hidden;background:#050505;border-radius:4px}
.supplied-award-logo .maroondah-crop-2023{height:30px}
.supplied-award-logo .maroondah-crop-2023 img{display:block;width:142px;height:auto;max-width:none;max-height:none}
.supplied-award-logo .maroondah-crop-2026{height:126px}
.supplied-award-logo .maroondah-crop-2026 img{position:absolute;display:block;width:162px;height:auto;max-width:none;max-height:none;left:-14px;top:-44px}
.bia-feature{gap:16px;padding:26px 20px}
.bia-feature h2{margin:0;font-size:26px}
.bia-feature-pair{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;width:100%}
.bia-feature-pair a{display:flex;flex-direction:column;align-items:center;gap:12px;min-width:0;font-size:14px;line-height:1.5;font-weight:600}
.bia-feature-pair img{width:100%;height:auto;object-fit:contain}
.bia-feature-pair a:hover span{text-decoration:underline}

.award-context{max-width:66ch;margin-top:12px}.award-context p{font-size:16px;line-height:1.75;margin-bottom:12px}.award-context .award-sources{font-size:12px;line-height:1.7}.award-sources a{text-decoration:underline;text-underline-offset:3px}.award-context-note{max-width:84ch;margin:20px 0 32px;font-size:13px;line-height:1.7;color:var(--muted)}
.reviews-hero{padding-block:64px 52px}.reviews-intro{display:grid;grid-template-columns:1.25fr 1fr;gap:70px;align-items:center}.reviews-intro h1{font-size:clamp(38px,4vw,60px);line-height:1.1}.reviews-intro-copy .fine{margin:14px 0 0;max-width:43ch}.reviews-showcase{padding:50px 0;background:#edf1f4}.reviews-section-heading{display:flex;justify-content:space-between;align-items:end;gap:35px;margin-bottom:30px}.reviews-section-heading h2,.reviews-more h2{font-size:clamp(30px,3vw,43px)}.reviews-section-heading .eyebrow{margin-bottom:16px}.reviews-section-heading>p{max-width:28ch;margin:0;color:var(--muted)}.review-slide{background:var(--paper);border:1px solid #d6dee5;padding:40px 48px;margin:0 0 18px;border-radius:12px;min-height:315px}.review-slide[hidden]{display:none!important}.review-slide-meta{display:flex;justify-content:space-between;align-items:center;gap:20px}.review-slide-meta .eyebrow{margin:0}.review-stars{color:#996815;letter-spacing:4px;white-space:nowrap;font-size:22px}.review-slide blockquote{font-family:var(--serif);font-size:clamp(25px,2.8vw,39px);line-height:1.4;margin:26px 0 32px;max-width:40ch}.review-slide-footer{display:flex;align-items:center;justify-content:space-between;gap:24px}.review-person{display:flex;align-items:center;gap:14px}.review-person>span>span{display:block;font-size:12px;color:var(--muted)}.review-avatar{display:grid;place-items:center;background:#e6ecf2;border-radius:50%;width:48px;height:48px;font-size:12px;font-weight:700}.review-slide-footer a{font-size:13px;text-decoration:underline;text-underline-offset:4px}.review-controls{display:flex;justify-content:space-between;align-items:center;gap:16px}.review-controls[hidden]{display:none}.review-controls button{min-height:44px;min-width:44px;background:transparent;border:1px solid #aab8c5;border-radius:6px;padding:8px 15px;color:var(--ink);font-size:14px}.review-controls button:hover{background:#dae3eb}.review-pagination{display:flex;align-items:center;gap:20px}.review-position{font-size:13px;font-variant-numeric:tabular-nums}.reviews-disclosure{margin:20px 0 0;max-width:90ch}.reviews-more{padding:64px 0}.reviews-more-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:60px;align-items:center}.reviews-more-grid>div>p{margin-top:22px;max-width:30ch}.review-secondary{border-left:3px solid #b69558;padding:15px 0 15px 32px}.review-secondary blockquote{font-family:var(--serif);font-size:25px;line-height:1.5;margin:16px 0}.review-secondary p{font-size:13px}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
body[data-path="/home/"] .conversion-home .home-faq{padding:32px 0}body[data-path="/home/"] .conversion-home .home-faq .wrap{max-width:900px}body[data-path="/home/"] .conversion-home .home-faq .eyebrow{margin-bottom:10px}body[data-path="/home/"] .conversion-home .home-faq h2{font-size:30px;margin-bottom:18px}body[data-path="/home/"] .conversion-home .home-faq details{padding:0}body[data-path="/home/"] .conversion-home .home-faq summary{display:flex;justify-content:space-between;align-items:center;gap:20px;list-style:none;min-height:52px;padding:12px 0;font-size:16px}body[data-path="/home/"] .conversion-home .home-faq summary::-webkit-details-marker{display:none}body[data-path="/home/"] .conversion-home .home-faq summary::after{content:'+';font-size:22px;font-weight:400;flex:none}body[data-path="/home/"] .conversion-home .home-faq details[open]>summary::after{content:'−'}body[data-path="/home/"] .conversion-home .home-faq details:not([open])>p{display:none}body[data-path="/home/"] .conversion-home .home-faq details p{margin:0;padding:0 30px 16px 0;font-size:15px}body[data-path="/home/"] .conversion-home .home-faq .btn{background:transparent;color:var(--ink);border:0;border-bottom:1px solid currentColor;border-radius:0;padding:6px 0;min-height:44px}
@media(max-width:760px){.reviews-hero{padding-block:36px}.reviews-intro,.reviews-more-grid{grid-template-columns:1fr;gap:26px}.reviews-section-heading{display:block}.reviews-section-heading>p{max-width:100%;margin-top:18px}.review-slide{padding:24px;min-height:0}.review-slide-footer{align-items:start;flex-direction:column;gap:20px}.review-slide blockquote{font-size:27px}.reviews-showcase{padding:32px 0}.reviews-more{padding:40px 0}.review-secondary{padding-left:24px}}
@media print{.review-controls{display:none!important}.review-slide[hidden]{display:block!important}}

.hero-trust-statement strong{font-weight:750}.team-anchor,#our-approach{scroll-margin-top:140px}