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[data-theme=insurance]{--canvas:#f8f9ff;--surface:#eff4ff;--surface-soft:#f3f6ff;--ink:#0b1c30;--muted:#3f4850;--primary:#006194;--primary-hover:#004b73;--border:#bfc7d2;--navy:#213145}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:90px}body{margin:0;background:var(--canvas);color:var(--ink);font:400 16px/1.65 Jakarta,Arial,sans-serif}h1,h2,h3,p,figure{margin:0}h1,h2,h3{line-height:1.18;letter-spacing:-.035em}h1{font-size:clamp(36px,4.5vw,58px);font-weight:800}h2{font-size:clamp(27px,3vw,38px);font-weight:700}h3{font-size:20px}p{color:var(--muted)}a{color:var(--primary);text-decoration:none}a:hover{text-decoration:underline;text-underline-offset:4px}button,input,select,textarea{font:inherit}button,a,summary,input,select,textarea{touch-action:manipulation}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--focus);outline-offset:4px}button,summary{cursor:pointer}button{border:0}em{font-style:normal;color:var(--primary)}.wrap{width:min(var(--max),calc(100% - 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@media(max-width:1500px){.header-phone{display:none!important}.site-header nav{gap:15px}.brand img{width:270px}.hero-content{gap:40px}}
@media(max-width:1250px){.menu-button{display:flex;align-items:center;gap:12px;min-height:44px;padding:8px 16px;border:1px solid var(--border);background:var(--surface);color:var(--ink);border-radius:8px}.site-header nav{display:none}.site-header nav.open{display:flex;position:absolute;top:100%;left:24px;right:24px;padding:20px;background:var(--white);border:1px solid var(--border);border-radius:12px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch;max-height:75vh;overflow:auto}.nav-panel{position:static;width:100%;box-shadow:none;margin-bottom:10px}.site-header nav>a{padding-block:8px}.mode{align-self:start}.hero-content{grid-template-columns:1.5fr 1fr;gap:25px}.hero-notes article{padding:18px}.hero-notes .note-icon{display:none}.hero h1{font-size:45px}.quick-fields{grid-template-columns:1fr 1fr}.quick-fields .button{grid-column:1/-1;margin-top:0}.service-grid,.team-grid{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.detail-grid{gap:35px;grid-template-columns:1fr 260px}.contact-layout{gap:35px}.quick-rail{height:56px}}
@media(max-width:767px){.wrap{width:calc(100% - 36px)}.section,.band{padding-block:50px}.header-inner{width:calc(100% - 36px);min-height:76px}.brand img{width:180px}.hero{padding:32px 0 42px}.hero-content{grid-template-columns:1fr;gap:24px}.hero h1{font-size:38px}.hero-intro{font-size:16px}.hero-notes{grid-template-columns:1fr 1fr;gap:12px}.hero-notes article{padding:16px}.hero-notes h2{font-size:15px}.hero-notes p,.hero-notes .small{font-size:12px}.hero-picture img{object-position:72% center}.hero-wash,[data-theme=insurance] .hero-wash{background:linear-gradient(90deg,rgba(255,255,255,.96),rgba(255,255,255,.83)),linear-gradient(0deg,var(--canvas),transparent)}.hero-copy h1{margin:18px 0}.quick-form{padding:17px;margin-top:22px}.intro-strip{grid-template-columns:1fr 1fr;gap:12px;margin-top:0;padding-top:20px}.intro-strip>div{padding:14px}.intro-strip strong{font-size:22px}.intro-strip span{font-size:10px}.calculator,.contact-layout,.detail-grid,.legal-layout,.two-grid{grid-template-columns:1fr;gap:28px}.calculator-inputs,.calculator-result{padding:23px}.three-grid{grid-template-columns:1fr}.service-grid{gap:15px}.service-card{padding:22px}.service-card h3{font-size:18px}.service-card p{font-size:14px}.check-list{font-size:12px}.enquiry-panel{padding:22px}.page-banner{padding:30px 0 40px}.page-banner p{font-size:16px}.breadcrumb{margin-bottom:22px}.legal-notice{order:0}.footer-grid{gap:28px}.footer-grid>div:first-child{grid-column:1/-1}.footer-grid>div:last-child{grid-column:1/-1}.team-grid{gap:14px}.person{padding:19px}.person a{font-size:13px}.prose{font-size:16px}.quick-actions{right:12px}.quick-actions a{padding:7px 14px}.legal-copy table{font-size:14px}}
@media(max-width:450px){.service-grid,.team-grid{grid-template-columns:1fr}.form-grid{grid-template-columns:1fr}.hero-notes{grid-template-columns:1fr}.hero-notes article:last-child{display:none}.quick-fields{grid-template-columns:1fr}.quick-fields .button{grid-column:auto}.frequency{gap:5px}.frequency label{font-size:11px}.hero h1{font-size:36px}.form-title{font-size:13px}.intro-strip span{letter-spacing:0}.button{font-size:12px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}
.how-we-operate{margin:10px 0 38px;padding:30px 32px;background:var(--white);border:1px solid var(--border);border-radius:var(--radius)}
.how-we-operate>h2{margin:0 0 22px;color:var(--primary);font-size:24px;letter-spacing:-.02em}
.how-we-operate .operations-intro{max-width:930px;margin-bottom:30px;color:var(--muted);font-size:15px;line-height:1.6}
.operation-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));column-gap:36px;row-gap:25px}
.operation-card h3{display:flex;align-items:center;gap:10px;margin-bottom:12px;color:var(--primary);font-size:18px;letter-spacing:-.015em}
.operation-icon{width:28px;height:28px;flex:none}
.operation-card p{padding-left:38px;color:var(--muted);font-size:14px;line-height:1.65}
@media(max-width:900px){.operation-grid{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:25px}}
@media(max-width:600px){.how-we-operate{padding:24px 20px}.operation-grid{grid-template-columns:1fr;row-gap:22px}.how-we-operate .operations-intro{margin-bottom:24px}.operation-card p{padding-left:38px}}
.portal{position:relative;isolation:isolate;min-height:100vh;overflow:hidden;padding:clamp(32px,5vw,70px) 0 28px;background:#f8f9ff}.portal-light{position:absolute;z-index:-1;border-radius:50%;filter:blur(100px);pointer-events:none}.portal-light-one{width:620px;height:620px;top:-320px;left:17%;background:rgb(147 204 255 / 45%)}.portal-light-two{width:520px;height:520px;right:-220px;bottom:-180px;background:rgb(190 198 224 / 48%)}.portal-intro{text-align:center}.portal-brand{display:inline-block;padding:6px}.portal-brand img{display:block;width:min(320px,78vw);height:auto}.portal-kicker{display:inline-flex;align-items:center;gap:8px;margin:26px 0 16px;padding:7px 13px;border:1px solid #cbd5e1;border-radius:999px;background:rgb(255 255 255 / 88%);color:#3f4850;font-size:12px;font-weight:700;letter-spacing:.07em;text-transform:uppercase}.portal-kicker span{width:8px;height:8px;border-radius:50%;background:#006398;box-shadow:0 0 0 4px rgb(0 99 152 / 12%)}.portal h1{max-width:850px;margin-inline:auto;font-size:clamp(38px,5.4vw,64px);letter-spacing:-.045em}.portal-summary{max-width:640px;margin:18px auto 0;font-size:clamp(16px,2vw,19px);line-height:1.7}.portal-choices{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px;margin-top:clamp(38px,6vw,68px)}.portal-card{position:relative;min-height:465px;overflow:hidden;border:1px solid #cbd5e1;border-radius:24px;background-color:#fff;background-size:cover;background-position:center;box-shadow:0 18px 42px rgb(10 37 64 / 9%);transition:transform .2s,box-shadow .2s}.portal-card:hover{transform:translateY(-5px);box-shadow:0 24px 50px rgb(10 37 64 / 14%)}.portal-mortgage{background-image:linear-gradient(145deg,rgb(255 255 255 / 96%) 15%,rgb(255 255 255 / 83%) 58%,rgb(240 247 255 / 76%)),url('/assets/mortgage-hero.jpg')}.portal-insurance{background-image:linear-gradient(145deg,rgb(255 255 255 / 96%) 15%,rgb(255 255 255 / 83%) 58%,rgb(239 244 255 / 76%)),url('/assets/insurance-hero.jpg')}.portal-card-content{display:flex;flex-direction:column;height:100%;padding:clamp(28px,4vw,48px);max-width:540px}.portal-label{color:#006194;font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase}.portal-card h2{margin-top:12px;font-size:clamp(30px,3.4vw,43px)}.portal-card h2,.portal-card-content>p:not(.portal-label){color:#0a2540}.portal-card-content>p:not(.portal-label){margin-top:14px;line-height:1.65}.portal-card ul{display:grid;gap:10px;margin:26px 0;padding:0;list-style:none;color:#334155;font-size:14px;font-weight:600}.portal-card li::before{content:'✓';display:inline-block;width:22px;color:#006398;font-weight:800}.portal-button{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:52px;margin-top:auto;padding:13px 18px;border-radius:8px;background:#006194;color:#fff;font-size:14px;font-weight:800;box-shadow:0 8px 18px rgb(0 97 148 / 22%)}.portal-button:hover{background:#004b73;text-decoration:none}.portal-button span{font-size:21px}.portal-footer{margin-top:25px;text-align:center;color:#475569;font-size:12px}@media(max-width:700px){.portal{padding-top:30px}.portal-choices{grid-template-columns:1fr;gap:18px;margin-top:36px}.portal-card{min-height:405px;border-radius:18px}.portal-card-content{padding:28px}.portal-footer{max-width:480px}.portal-card:hover{transform:none}}@media(prefers-reduced-motion:reduce){.portal-card{transition:none}}

.footer-social{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}.footer-social a{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;color:var(--white);border:1px solid currentColor;border-radius:8px}.footer-social a:hover{background:var(--white);color:var(--navy);text-decoration:none}.footer-social svg{display:block;flex-shrink:0}

.contact-form button:disabled{opacity:.65;cursor:wait}

.form-status[data-state]{border:1px solid currentColor;border-left-width:4px;color:var(--ink);font-weight:600;scroll-margin-block:100px}.form-status[data-state=success]{color:var(--primary);background:var(--surface)}.form-status[data-state=error]{color:var(--error);background:var(--white)}.form-status:focus{outline:3px solid var(--focus);outline-offset:4px}