:root{
  --navy:#0f2743;--navy2:#102b4a;--teal:#0c9287;--teal-dark:#08766e;--muted:#5e7896;--line:#d7e3ea;--soft:#f5f9fb;--warm:#fff8ec;--green:#218158;--shadow:0 16px 40px rgba(18,50,78,.08)
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--navy);background:#fff;line-height:1.5;overflow-x:hidden}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}svg{display:block;fill:none;stroke:currentColor;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}.shell{width:min(1600px,calc(100% - 80px));margin:0 auto}
.site-header{position:relative;z-index:50;background:#fff;border-bottom:1px solid var(--line)}.header-inner{min-height:88px;display:flex;align-items:center;gap:24px}.brand{display:flex;align-items:center;gap:15px;white-space:nowrap}.brand-name{font-size:27px;font-weight:900;letter-spacing:2px}.brand-rule{width:1px;height:30px;background:#cddae3}.brand-tagline{display:flex;align-items:center;gap:5px;font-size:14px;color:#667e98}.brand-tagline>span:first-child{color:#35516d;font-weight:800}.brand-tagline strong{color:var(--teal-dark);font-weight:850}.desktop-nav{margin-left:auto;display:flex;align-items:center;gap:28px;font-size:15px;font-weight:800}.desktop-nav a:hover{color:var(--teal)}
.locale-menu{position:relative}.locale-summary{list-style:none;display:flex;align-items:center;gap:8px;border:1px solid #bdd1de;border-radius:999px;padding:12px 16px;font-weight:800;cursor:pointer;white-space:nowrap;background:#fff}.locale-summary::-webkit-details-marker{display:none}.locale-icon{width:19px;height:19px;display:grid;place-items:center}.locale-icon svg{width:19px;height:19px}.chevron{width:18px;height:18px;margin-left:2px;display:grid;place-items:center}.chevron svg{width:18px;height:18px;transition:transform .18s ease}.locale-menu[open] .chevron svg{transform:rotate(180deg)}.locale-panel{position:absolute;right:0;top:calc(100% + 12px);width:360px;padding:22px;background:white;border:1px solid var(--line);border-radius:22px;box-shadow:0 20px 60px rgba(11,32,56,.16)}.locale-panel>strong{font-size:20px}.locale-panel>p{margin:5px 0 18px;color:var(--muted)}.locale-panel label{display:block;font-weight:800;font-size:14px;margin:13px 0 7px}.locale-panel select{width:100%;height:48px;border:1px solid #bacddb;border-radius:12px;padding:0 12px;background:#fff;font:inherit;color:var(--navy);font-weight:700}.locale-note{background:var(--soft);padding:13px;border-radius:12px;font-size:13px}.small-button{border:0;border-radius:10px;background:var(--teal);color:#fff;font-weight:800;padding:10px 17px;cursor:pointer}.mobile-nav{display:none;margin-left:auto;position:relative}.mobile-nav summary{cursor:pointer;font-weight:800}.mobile-nav-panel{position:absolute;right:0;top:42px;background:#fff;padding:12px;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);min-width:200px}.mobile-nav-panel a{display:block;padding:9px 10px;font-weight:700}

.hero{position:relative;min-height:560px;overflow:hidden;background:#fff;isolation:isolate}
/* Keep the approved artwork unchanged. Position it from the top of the hero,
   and start it far enough right that the couple remains fully visible. */
.hero-visual{position:absolute;z-index:0;left:39%;right:0;top:0;bottom:0;overflow:hidden;pointer-events:none}
.hero-visual img{display:block;width:100%;height:100%;max-width:none;margin:0;object-fit:cover;object-position:center center}
/* A narrow blend only at the join with the copy. Do not fade the couple. */
.hero-visual:after{content:"";position:absolute;left:0;top:0;bottom:0;width:7%;background:linear-gradient(90deg,#fff 0%,rgba(255,255,255,.72) 26%,rgba(255,255,255,.20) 68%,rgba(255,255,255,0) 100%);pointer-events:none}
.hero-inner{position:relative;z-index:2;min-height:560px;display:flex;align-items:center}
.hero-copy{width:min(650px,44%);padding:52px 0 48px;position:relative;z-index:3}
.eyebrow{margin:0 0 17px;color:var(--teal-dark);font-weight:900;letter-spacing:2.3px;font-size:13px}h1,h2,h3,p{margin-top:0}h1{margin-bottom:24px;font-size:clamp(48px,3.25vw,62px);line-height:.99;letter-spacing:-2.4px}h1 span{display:block;white-space:nowrap}.accent-line{color:var(--teal)}.hero-lede{max-width:610px;font-size:19px;line-height:1.58;color:#526f8e;margin-bottom:28px}.hero-actions{display:flex;gap:14px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:center;gap:11px;min-height:60px;padding:0 24px;border-radius:11px;font-weight:900;font-size:16px;box-shadow:0 8px 22px rgba(16,43,74,.06)}.button svg{width:21px;height:21px}.button-arrow{font-size:20px}.button-primary{background:var(--navy);color:#fff}.button-secondary{border:1.5px solid var(--teal);color:var(--teal-dark);background:rgba(255,255,255,.94)}.hero-points{display:flex;gap:22px;flex-wrap:wrap;margin-top:27px;color:#294762;font-size:13.5px;font-weight:800}.hero-points b{color:var(--teal);font-size:18px;margin-right:4px}

.planning-section{padding:46px 0 62px;background:#f7fafc}.section-heading-row{display:flex;justify-content:space-between;align-items:flex-end;gap:30px;margin-bottom:27px}.section-heading-row h2,.about-preview h2,.learn-section h2{font-size:42px;line-height:1.08;letter-spacing:-1.2px;margin-bottom:8px}.section-heading-row p{color:var(--muted);font-size:18px;margin-bottom:0}.text-link{color:var(--teal-dark);font-weight:900;white-space:nowrap}.planning-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}.tool-card{position:relative;overflow:hidden;min-height:286px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:25px;box-shadow:0 8px 24px rgba(17,40,68,.04)}.card-topline{display:flex;align-items:center;gap:12px}.tool-icon{display:grid;place-items:center;width:54px;height:54px;border-radius:18px;background:#e6f6f3;color:var(--teal)}.tool-icon svg{width:29px;height:29px}.goal-main-icon{background:#fff3df;color:#8a5b18}.independence-icon{background:#e6f6ef;color:#16795f}.status{display:inline-flex;align-items:center;border-radius:999px;padding:5px 10px;font-size:12px;font-weight:900}.live{background:#d9f8e8;color:#087b5c}.next{background:#fff0d8;color:#9a5a00}.planned{background:#e5f8ea;color:#218158}.tool-card h3{font-size:22px;margin:15px 0 7px}.tool-card p{font-size:15px;color:var(--muted);line-height:1.5;max-width:95%}.tool-card>a{position:absolute;left:25px;bottom:23px;color:var(--teal-dark);font-weight:900}.goal-card{background:linear-gradient(145deg,#fff 55%,#fffaf2 100%)}.goal-card p{max-width:68%}.goal-scene{position:absolute;right:10px;bottom:4px;width:150px}.goal-scene svg{width:100%;height:auto;overflow:visible}.goal-scene .goal-bg{fill:#fff0d8;stroke:none}.goal-scene .house-wall{fill:#dff6f2;stroke:#0c9287;stroke-width:2.4}.goal-scene .house-roof{fill:#0c9287;stroke:#0c9287;stroke-width:2}.goal-scene .house-door{fill:#f4b24d;stroke:none}.goal-scene .cap{fill:#234e78;stroke:#234e78;stroke-width:1.8}.goal-scene .tassel{stroke:#f29c46;stroke-width:2.2;fill:none}.goal-scene .person-a{fill:#ef8c62;stroke:none}.goal-scene .person-b{fill:#5ea8d7;stroke:none}.goal-scene .person-body-a{fill:#f7c7b1;stroke:none}.goal-scene .person-body-b{fill:#b8d9ec;stroke:none}.goal-scene .ground{stroke:#c58a43;stroke-width:2.2;fill:none;stroke-linecap:round}.independence-card{background:linear-gradient(145deg,#fff 58%,#edf9f5 100%)}.independence-card p{max-width:72%}.independence-scene{position:absolute;right:8px;bottom:-1px;width:135px;color:#15816d;opacity:.9}.independence-scene svg{width:100%;height:auto}.independence-scene svg path,.independence-scene svg circle{stroke:currentColor;stroke-width:3;fill:none;stroke-linecap:round;stroke-linejoin:round}
.trust-strip{padding:25px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}.trust-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr))}.trust-grid>div{display:flex;gap:15px;align-items:center;padding:0 28px;border-right:1px solid var(--line)}.trust-grid>div:first-child{padding-left:0}.trust-grid>div:last-child{border-right:0}.trust-icon{display:grid;place-items:center;width:48px;height:48px;color:var(--teal);flex:0 0 auto}.trust-icon svg{width:40px;height:40px;stroke-width:1.8}.trust-icon.global{color:#183f70}.trust-icon.stage{color:#0e8f88}.trust-icon.compass{color:#13507a}.trust-grid p{margin:0}.trust-grid strong{display:block;font-size:15px}.trust-grid small{display:block;color:var(--muted);margin-top:3px}
.learn-section{padding:70px 0;background:#f5f8fa}.section-heading-row.compact{margin-bottom:26px}.learn-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.learn-grid article{position:relative;background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px 28px 27px;min-height:220px;box-shadow:0 8px 22px rgba(17,40,68,.035)}.learn-icon{display:grid;place-items:center;width:52px;height:52px;border-radius:17px;margin-bottom:18px}.learn-icon svg{width:29px;height:29px}.learn-icon.retirement{background:#e7f5ff;color:#28638d}.learn-icon.inflation{background:#fff0dc;color:#a45d00}.learn-icon.investing{background:#e6f6ef;color:#16795f}.learn-grid h3{font-size:21px;margin-bottom:10px}.learn-grid p{color:var(--muted);min-height:58px}.learn-status{font-weight:900;color:#536071;font-size:14px}
.about-preview{padding:76px 0;background:#fff}.about-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:72px;align-items:center}.about-copy>p:not(.eyebrow){font-size:18px;color:var(--muted);max-width:680px}.approach-list{display:grid;gap:0}.approach-item{display:grid;grid-template-columns:54px 1fr;gap:18px;align-items:start;padding:20px 0;border-bottom:1px solid var(--line)}.approach-item:first-child{padding-top:0}.approach-item:last-child{border-bottom:0;padding-bottom:0}.approach-icon{display:grid;place-items:center;width:48px;height:48px;border-radius:50%;background:#eaf7f5;color:var(--teal-dark)}.approach-icon svg{width:25px;height:25px}.approach-item strong{display:block;font-size:17px;margin-bottom:5px}.approach-item span{display:block;color:var(--muted);font-size:14px;line-height:1.5}
.site-footer{background:var(--navy);color:#dce7f0;padding:56px 0 25px}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:50px}.footer-grid>div:not(.footer-brand){display:flex;flex-direction:column;gap:11px}.footer-grid strong{color:#fff}.footer-brand strong{font-size:24px;letter-spacing:2px}.footer-brand p{max-width:480px;color:#b7cadb;font-size:15px;line-height:1.65;font-weight:400;letter-spacing:0;margin-top:10px}.footer-bottom{border-top:1px solid #2c4259;margin-top:40px;padding-top:22px;display:flex;justify-content:space-between;gap:24px;color:#8fa8bf;font-size:13px}
.housing-main-icon{background:#e9f3fb;color:#235f86}.housing-card{background:linear-gradient(145deg,#fff 58%,#f1f7fb 100%)}.housing-main-icon svg{fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
@media (max-width:1360px){.planning-grid[data-core-tool-count="8"]{grid-template-columns:repeat(2,minmax(0,1fr))}.shell{width:min(1220px,calc(100% - 56px))}.brand-tagline,.brand-rule{display:none}.desktop-nav{gap:20px}.hero{min-height:540px}.hero-inner{min-height:540px}.hero-visual{left:40%}.hero-copy{width:min(590px,48%)}h1{font-size:clamp(44px,3.6vw,56px)}.hero-lede{font-size:18px}.planning-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.tool-card{min-height:260px}.trust-grid{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:24px}.trust-grid>div:nth-child(2){border-right:0}.trust-grid>div:nth-child(3){padding-left:0}}
@media (max-width:980px){.shell{width:calc(100% - 40px)}.desktop-nav{display:none}.mobile-nav{display:block}.locale-menu{margin-left:auto}.hero{min-height:auto;padding-top:0}.hero-inner{min-height:auto;display:block}.hero-copy{width:100%;max-width:760px;padding:46px 0 36px}.hero-lede{max-width:720px}.hero-visual{position:relative;left:auto;right:auto;bottom:auto;width:100%;height:auto;order:2}.hero-visual img{width:100%;height:auto}.hero-visual:after{display:none}.planning-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.learn-grid{grid-template-columns:1fr}.about-grid{grid-template-columns:1fr}.footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:700px){.planning-grid[data-core-tool-count="8"]{grid-template-columns:1fr}.shell{width:calc(100% - 28px)}.header-inner{min-height:72px;gap:12px;flex-wrap:wrap}.brand-name{font-size:22px}.locale-summary{padding:9px 12px;font-size:13px}.locale-summary #localeCountryLabel{max-width:90px;overflow:hidden;text-overflow:ellipsis}.locale-panel{position:fixed;left:14px;right:14px;top:82px;width:auto}.mobile-nav{display:block;flex-basis:100%;margin-left:0;text-align:right}.hero-copy{padding-top:34px}h1{font-size:43px;letter-spacing:-1.6px}h1 span{white-space:normal}.hero-lede{font-size:17px}.hero-actions{display:grid}.button{width:100%;min-height:56px;font-size:16px}.hero-points{gap:10px 18px;font-size:13px}.hero-visual{height:auto}.section-heading-row{align-items:flex-start;flex-direction:column}.section-heading-row h2,.about-preview h2,.learn-section h2{font-size:34px}.planning-grid{grid-template-columns:1fr}.tool-card{min-height:245px}.goal-card p,.independence-card p{max-width:65%}.trust-grid{grid-template-columns:1fr}.trust-grid>div{padding:15px 0;border-right:0;border-bottom:1px solid var(--line)}.trust-grid>div:last-child{border-bottom:0}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}.footer-brand p{margin-bottom:0}}


/* ===== Site-wide compatibility + final interaction fixes ===== */
/* Legacy informational pages use the original header/footer class names. Keep
   them visually aligned with the current homepage without requiring duplicate CSS. */
.header-row{min-height:88px;display:flex;align-items:center;gap:24px}
.header-row>.brand{font-size:27px;font-weight:900;letter-spacing:2px;color:var(--navy)}
.header-right{margin-left:auto;display:flex;align-items:center;gap:24px}
.header-right .desktop-nav{margin-left:0}
.locale-menu>summary:not(.locale-summary){list-style:none;display:flex;align-items:center;gap:8px;border:1px solid #bdd1de;border-radius:999px;padding:12px 16px;font-weight:800;cursor:pointer;white-space:nowrap;background:#fff}
.locale-menu>summary:not(.locale-summary)::-webkit-details-marker{display:none}
.locale-menu>summary:not(.locale-summary)::before{content:"";width:18px;height:18px;display:inline-block;border:2px solid var(--navy);border-radius:50%;background:linear-gradient(90deg,transparent 43%,var(--navy) 44% 56%,transparent 57%);opacity:.9}
.locale-menu>summary:not(.locale-summary)::after{content:"";width:8px;height:8px;border-right:2px solid var(--navy);border-bottom:2px solid var(--navy);transform:rotate(45deg) translateY(-2px);margin-left:3px;transition:transform .18s ease}
.locale-menu[open]>summary:not(.locale-summary)::after{transform:rotate(225deg) translate(-1px,-1px)}
.locale-popover{position:absolute;right:0;top:calc(100% + 12px);width:360px;padding:22px;background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:0 20px 60px rgba(11,32,56,.16)}
.locale-popover h3{font-size:20px;margin-bottom:5px}.locale-popover>p{margin:5px 0 18px;color:var(--muted)}
.locale-popover label{display:block;font-weight:800;font-size:14px;margin:13px 0 7px}.locale-popover select{display:block;width:100%;height:48px;border:1px solid #bacddb;border-radius:12px;padding:0 12px;background:#fff;font:inherit;color:var(--navy);font-weight:700;margin-top:7px}
.locale-done-button{border:0;border-radius:10px;background:var(--teal);color:#fff;font-weight:800;padding:10px 17px;cursor:pointer;margin-top:14px}
.mobile-nav-links{position:absolute;right:0;top:42px;background:#fff;padding:12px;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);min-width:200px}.mobile-nav-links a{display:block;padding:9px 10px;font-weight:700}

.page-hero{background:linear-gradient(135deg,#f4f9fb 0%,#fffaf1 100%);border-bottom:1px solid var(--line)}
.page-hero-inner{padding:82px 0 76px;max-width:1180px}
.page-hero .section-kicker{display:block;margin-bottom:18px;color:var(--teal-dark);font-weight:900;letter-spacing:2.1px;text-transform:uppercase;font-size:13px}
.page-hero h1{font-size:clamp(45px,4vw,66px);line-height:1.02;letter-spacing:-2.2px;margin-bottom:24px;max-width:1200px}
.page-hero p{max-width:980px;color:var(--muted);font-size:19px;line-height:1.65;margin-bottom:0}
.content-section{padding:68px 0 78px;background:#fff}.content-wrap{max-width:1080px}.content-wrap h2{font-size:29px;line-height:1.2;margin:42px 0 13px;letter-spacing:-.5px}.content-wrap h2:first-child{margin-top:0}.content-wrap p{font-size:17px;line-height:1.72;color:#405c78}.info-box{margin-top:34px;padding:20px 22px;border-left:4px solid var(--teal);background:#f5f9fb;color:#405c78;border-radius:0 12px 12px 0}.info-box strong{color:var(--navy)}
.footer-col{display:flex;flex-direction:column;gap:11px}.footer-col h4{margin:0 0 2px;color:#fff}.footer-copy{max-width:480px;color:#b7cadb;margin-top:12px}.footer-brand{color:inherit;font-size:inherit;letter-spacing:normal;font-weight:inherit}.footer-brand>strong{display:block;color:#fff;font-size:24px;letter-spacing:2px;font-weight:900}


.goal-main-icon svg .goal-dot1{fill:#0c9287;stroke:none}.goal-main-icon svg .goal-dot2{fill:#5ea8d7;stroke:none}.goal-main-icon svg .goal-dot3{fill:#f4b24d;stroke:none}.goal-main-icon svg .goal-path{stroke:#8a5b18;stroke-width:2.2;fill:none}.goal-main-icon svg .goal-flag{fill:#234e78;stroke:none}

/* ===== Contact page: stronger hierarchy and clear email action ===== */
.contact-section{padding:64px 0 84px;background:#fff}
.contact-wrap{max-width:1120px}
.contact-intro{max-width:900px;margin-bottom:26px}
.contact-intro h2{font-size:32px;line-height:1.15;margin:0 0 12px;letter-spacing:-.6px}
.contact-intro p{font-size:17px;line-height:1.7;color:#405c78;margin:0}
.contact-card{position:relative;display:grid;grid-template-columns:76px minmax(0,1fr);gap:24px;align-items:start;margin:30px 0 38px;padding:30px 32px;background:linear-gradient(135deg,#f2fbf9 0%,#fff 66%,#fff8ec 100%);border:1px solid #bfe1dc;border-radius:22px;box-shadow:0 16px 38px rgba(15,39,67,.08);overflow:hidden}

.contact-card-icon{position:relative;z-index:1;width:64px;height:64px;border-radius:19px;background:#dff5f1;color:var(--teal-dark);display:grid;place-items:center}
.contact-card-icon svg{width:31px;height:31px;stroke-width:1.9}
.contact-card-copy{position:relative;z-index:1}
.contact-card-label{display:inline-block;margin-bottom:7px;color:var(--teal-dark);font-size:12px;font-weight:900;letter-spacing:1.6px}
.contact-card h3{font-size:25px;line-height:1.22;margin:0 0 8px;letter-spacing:-.35px}
.contact-card p{margin:0 0 20px;max-width:780px;color:#526f8e;font-size:16px;line-height:1.62}
.contact-email-button{display:inline-flex;align-items:center;justify-content:space-between;gap:22px;min-width:360px;max-width:100%;padding:15px 18px;border-radius:12px;background:var(--navy);color:#fff!important;font-weight:900;font-size:16px;box-shadow:0 8px 20px rgba(15,39,67,.13);transition:transform .16s ease,box-shadow .16s ease}
.contact-email-button:hover{transform:translateY(-1px);box-shadow:0 11px 24px rgba(15,39,67,.18)}
.contact-email-button svg{width:20px;height:20px;flex:0 0 auto;stroke:#fff;stroke-width:2}
.contact-advice-note{display:grid;grid-template-columns:42px 1fr;gap:16px;align-items:start;margin-top:16px;padding:22px 24px;border-left:4px solid var(--navy);background:#f6f9fb;border-radius:0 14px 14px 0}
.contact-advice-icon{width:34px;height:34px;border-radius:50%;background:#e7eef5;color:var(--navy);display:grid;place-items:center;font-weight:900;font-family:Georgia,serif;font-size:20px}
.contact-advice-note h2{font-size:22px;margin:1px 0 7px}
.contact-advice-note p{margin:0;font-size:15.5px;line-height:1.62;color:#526f8e}
@media(max-width:700px){.contact-section{padding:46px 0 60px}.contact-card{grid-template-columns:1fr;padding:24px 20px;gap:16px}.contact-card-icon{width:58px;height:58px;border-radius:17px}.contact-email-button{min-width:0;width:100%;font-size:15px}.contact-advice-note{grid-template-columns:1fr}.contact-advice-icon{margin-bottom:2px}}


/* ===== Final hero couple visibility + soft merge =====
   Keep the approved artwork, vertical position, hero height and image scale unchanged.
   Do not translate or mask the image itself. The only blend is a very narrow white
   overlay at the left edge, so the artwork merges into the copy area while the
   couple remains substantially visible. */
@media (min-width:1361px){
  .hero-visual{left:39%;right:0}
  .hero-visual img{
    transform:none;
    -webkit-mask-image:none;
    mask-image:none;
    object-position:center center;
  }
  .hero-visual:after{
    display:block;
    content:"";
    position:absolute;
    left:0;top:0;bottom:0;
    width:5%;height:auto;
    background:linear-gradient(90deg,#fff 0%,rgba(255,255,255,.82) 22%,rgba(255,255,255,.38) 58%,rgba(255,255,255,0) 100%);
    pointer-events:none;
  }
}
@media (min-width:981px) and (max-width:1360px){
  .hero-visual{left:40%;right:0}
  .hero-visual img{
    transform:none;
    -webkit-mask-image:none;
    mask-image:none;
    object-position:center center;
  }
  .hero-visual:after{
    display:block;
    content:"";
    position:absolute;
    left:0;top:0;bottom:0;
    width:5%;height:auto;
    background:linear-gradient(90deg,#fff 0%,rgba(255,255,255,.82) 22%,rgba(255,255,255,.38) 58%,rgba(255,255,255,0) 100%);
    pointer-events:none;
  }
}


/* ===== Content, learning & accessibility cleanup (2026-09-20) ===== */
.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
.learn-guide-link{display:inline-flex;margin-top:12px;color:var(--teal-dark);font-weight:900;font-size:14px}
.learn-more-row{margin-top:24px;text-align:right}
.learn-page-hero .page-hero-inner{max-width:1040px}
.learn-hub-section{padding:58px 0 84px;background:#f7fafc}
.guide-index{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-bottom:44px}
.guide-index>a{display:grid;grid-template-columns:40px 1fr;column-gap:12px;row-gap:2px;padding:20px 21px;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:0 8px 22px rgba(17,40,68,.035);color:var(--navy)}
.guide-index>a>span{grid-row:1/3;width:34px;height:34px;border-radius:11px;background:#e6f6f3;color:var(--teal-dark);display:grid;place-items:center;font-size:12px;font-weight:900}
.guide-index strong{font-size:16px;line-height:1.25}.guide-index small{color:var(--muted);font-size:13px;line-height:1.45}
.guide-stack{display:grid;gap:20px}.guide-section{scroll-margin-top:95px;display:grid;grid-template-columns:70px minmax(0,1fr);gap:22px;padding:34px 36px;background:#fff;border:1px solid var(--line);border-radius:22px;box-shadow:0 8px 24px rgba(17,40,68,.035)}
.guide-number{width:58px;height:58px;border-radius:18px;background:#e6f6f3;color:var(--teal-dark);display:grid;place-items:center;font-size:18px;font-weight:900}.guide-kicker{display:block;color:var(--teal-dark);font-size:12px;font-weight:900;letter-spacing:1.7px;margin-bottom:7px}.guide-section h2{font-size:30px;line-height:1.18;letter-spacing:-.5px;margin:0 0 13px}.guide-section p{font-size:16.5px;line-height:1.72;color:#405c78}.guide-section p+p{margin-top:12px}.guide-note{margin:20px 0;padding:17px 19px;border-left:4px solid var(--teal);background:#f3faf9;border-radius:0 12px 12px 0;color:#405c78;line-height:1.6}.guide-note strong{color:var(--navy)}.guide-example{display:grid;gap:8px;margin:20px 0;padding:18px 20px;background:#fff8ec;border:1px solid #f1ddba;border-radius:14px;color:#405c78}.guide-example strong{color:var(--navy)}.guide-tool-link{display:inline-flex;margin-top:8px;color:var(--teal-dark);font-weight:900}.guide-steps{display:grid;gap:10px;margin:18px 0 20px;counter-reset:steps}.guide-steps li{list-style:none;display:grid;grid-template-columns:minmax(190px,auto) 1fr;gap:14px;padding:13px 15px;background:#f7fafc;border-radius:12px;color:#405c78}.guide-steps strong{color:var(--navy)}.learn-disclaimer{margin-top:28px;padding:18px 20px;background:#eef5f8;border-radius:14px;color:#405c78;line-height:1.6}.learn-disclaimer strong{color:var(--navy)}
.error-actions{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-top:30px}.error-actions .button{min-height:52px}.error-page-hero .page-hero-inner{min-height:440px;display:flex;flex-direction:column;justify-content:center}
@media(max-width:980px){.guide-index{grid-template-columns:repeat(2,minmax(0,1fr))}.guide-section{grid-template-columns:1fr}.guide-number{width:52px;height:52px}}
@media(max-width:700px){.guide-index{grid-template-columns:1fr}.learn-hub-section{padding:38px 0 60px}.guide-section{padding:25px 20px}.guide-section h2{font-size:25px}.guide-steps li{grid-template-columns:1fr}.learn-more-row{text-align:left}.error-actions{align-items:stretch}.error-actions .button{width:100%}}

/* Learn hub spacing refinement - desktop only */
@media (min-width:701px){
  .learn-page-hero .page-hero-inner{
    padding-top:32px;
    padding-bottom:96px;
  }
  .guide-index{
    margin-bottom:22px;
  }
}

/* ===== Homepage hero seam correction - 2026-09-21 =====
   Move only the artwork start point progressively to the right on wider desktops.
   This keeps the approved image, copy, buttons, hero height and image scale unchanged,
   while giving the CTA/highlight area more room and revealing more of the couple. */
@media (min-width:1400px) and (max-width:1499px){
  .hero-visual{left:40%;}
}
@media (min-width:1500px) and (max-width:1649px){
  .hero-visual{left:41%;}
}
@media (min-width:1650px){
  .hero-visual{left:42%;}
}


/* ===== Homepage hero refinement - 2026-09-27 ===== */
.hero-points{align-items:center;gap:22px;margin-top:26px}
.hero-points span{display:inline-flex;align-items:center;gap:7px;white-space:nowrap}
.hero-point-icon{width:20px;height:20px;display:grid;place-items:center;color:var(--teal);flex:0 0 auto}
.hero-point-icon svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.9;stroke-linecap:round;stroke-linejoin:round}
@media(min-width:981px){
  .hero-visual{left:40.5%!important}
  .hero-copy{width:min(660px,42.5%)!important}
  .hero-visual:after{display:block!important;width:11%!important;background:linear-gradient(90deg,#fff 0%,rgba(255,255,255,.88) 26%,rgba(255,255,255,.42) 62%,rgba(255,255,255,0) 100%)!important}
}
@media(max-width:700px){.hero-points span{white-space:normal}.hero-point-icon{width:18px;height:18px}.hero-point-icon svg{width:18px;height:18px}}


/* ===== Carrowmont shared footer standard - 2026-09-27 ===== */
.site-footer{background:#102945!important;color:#dce7f0!important;padding:48px 0 20px!important}
.site-footer .footer-grid{display:grid!important;grid-template-columns:1.65fr repeat(3,minmax(0,1fr))!important;gap:38px!important;align-items:start!important}
.site-footer .footer-brand-block{display:block!important}
.site-footer .footer-wordmark{display:block!important;color:#fff!important;text-decoration:none!important;font-size:18px!important;line-height:1.2!important;font-weight:900!important;letter-spacing:.09em!important}
.site-footer .footer-product-name{display:block!important;margin-top:10px!important;color:#fff!important;font-size:15px!important;line-height:1.35!important;font-weight:850!important}
.site-footer .footer-brand-block p{max-width:470px!important;margin:10px 0 0!important;color:#b7cadb!important;font-size:14px!important;line-height:1.55!important;font-weight:400!important;letter-spacing:0!important}
.site-footer .footer-small{display:block!important;margin-top:11px!important;color:#8fa8bf!important;font-size:12px!important;line-height:1.4!important}
.site-footer .footer-col{display:flex!important;flex-direction:column!important;align-content:start!important;gap:9px!important}
.site-footer .footer-col strong{margin:0 0 2px!important;color:#fff!important;font-size:14px!important;line-height:1.35!important;font-weight:850!important}
.site-footer .footer-col a{color:#c7d5e3!important;text-decoration:none!important;font-size:13.5px!important;line-height:1.35!important}
.site-footer .footer-col a:hover,.site-footer .footer-wordmark:hover{color:#fff!important}
.site-footer .footer-bottom{border-top:1px solid rgba(255,255,255,.13)!important;margin-top:34px!important;padding-top:18px!important;display:flex!important;justify-content:space-between!important;gap:20px!important;color:#8fa8bf!important;font-size:12.5px!important;line-height:1.4!important}
@media(max-width:980px){.site-footer .footer-grid{grid-template-columns:repeat(2,minmax(0,1fr))!important}.site-footer .footer-brand-block{grid-column:1/-1!important}}
@media(max-width:700px){.site-footer{padding-top:38px!important}.site-footer .footer-grid{grid-template-columns:1fr!important;gap:26px!important}.site-footer .footer-brand-block{grid-column:auto!important}.site-footer .footer-bottom{flex-direction:column!important;gap:6px!important}}

/* ===== Homepage hero responsive image asset fix - 2026-09-27 =====
   Image-only correction. Homepage wording, CTAs, country behavior, tool logic and
   all non-hero sections remain unchanged. The approved scene is supplied in
   responsive crops so the couple remains visible and the left merge stays soft. */
.hero-visual picture{display:block;width:100%;height:100%}
.hero-visual picture img{width:100%;height:100%}

@media (min-width:1650px){
  .hero-visual{left:35%!important;right:0}
  .hero-visual:after{display:none!important}
  .hero-visual picture img{
    object-fit:cover!important;
    object-position:center center!important;
    -webkit-mask-image:none!important;
    mask-image:none!important;
    transform:none!important;
  }
}

@media (min-width:981px) and (max-width:1649px){
  .hero-visual{left:36%!important;right:0}
  .hero-visual:after{display:none!important}
  .hero-visual picture img{
    object-fit:cover!important;
    object-position:right center!important;
    -webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 10%,#000 100%)!important;
    mask-image:linear-gradient(90deg,transparent 0%,#000 10%,#000 100%)!important;
    transform:none!important;
  }
}

@media (max-width:980px){
  .hero-visual picture{height:auto}
  .hero-visual picture img{
    display:block;
    width:100%!important;
    height:auto!important;
    object-fit:contain!important;
    object-position:center center!important;
    -webkit-mask-image:none!important;
    mask-image:none!important;
    transform:none!important;
  }
  .hero-visual:after{display:none!important}
}

/* Medium-width focal-point tuning: same image assets, no content/layout changes. */
@media (min-width:981px) and (max-width:1159px){
  .hero-visual picture img{object-position:50% center!important}
}
@media (min-width:1160px) and (max-width:1340px){
  .hero-visual picture img{object-position:80% center!important}
}
@media (min-width:1341px) and (max-width:1649px){
  .hero-visual picture img{object-position:right center!important}
}

/* ===== TOOLS-HUB1: all-tools discovery + scalable homepage tool grid ===== */
.explore-all-card{
  grid-column:span 2;
  background:linear-gradient(135deg,#0f2743 0%,#164b6d 68%,#0c9287 130%);
  border-color:transparent;
  color:#fff;
  box-shadow:0 18px 42px rgba(15,39,67,.18);
}
.explore-all-card .tool-icon{
  background:rgba(255,255,255,.13);
  color:#fff;
  border:1px solid rgba(255,255,255,.18);
}
.explore-all-card .explore-tools-label{
  display:inline-flex;
  align-items:center;
  border:1px solid rgba(255,255,255,.24);
  border-radius:999px;
  padding:5px 10px;
  color:#dffaf6;
  background:rgba(255,255,255,.08);
  font-size:12px;
  font-weight:900;
  letter-spacing:.04em;
  text-transform:uppercase;
}
.explore-all-card h3{font-size:25px;color:#fff}
.explore-all-card p{max-width:760px;color:#d6e5f1;font-size:16px}
.explore-all-card>a{color:#fff;text-decoration:underline;text-decoration-color:rgba(255,255,255,.45);text-underline-offset:4px}
.explore-all-card>a:hover{text-decoration-color:#fff}
.planning-grid[data-core-tool-count="7"] .explore-all-card{grid-column:span 1}
.planning-grid[data-core-tool-count="8"]{grid-template-columns:repeat(3,minmax(0,1fr))}
.planning-grid[data-core-tool-count="8"] .explore-all-card{grid-column:span 1}
.compound-main-icon{background:#edf3ff;color:#315e9a}.compound-card{background:linear-gradient(145deg,#fff 58%,#f1f5ff 100%)}.compound-main-icon svg{fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}

.authority-tools-section{padding:64px 0 70px;background:#fff}
.authority-heading{align-items:flex-end}
.authority-tools-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.authority-tool-card{
  display:grid;
  grid-template-columns:52px minmax(0,1fr);
  gap:16px;
  min-height:238px;
  padding:24px;
  border:1px solid var(--line);
  border-radius:19px;
  background:linear-gradient(145deg,#fff 55%,#f8fbfc 100%);
  box-shadow:0 8px 22px rgba(17,40,68,.035);
}
.authority-card-icon{
  display:grid;
  place-items:center;
  width:52px;
  height:52px;
  border-radius:17px;
  background:#e9f5f7;
  color:#235a75;
}
.authority-card-icon svg{width:28px;height:28px}
.authority-card-icon.withdrawal-icon{background:#e9f4ff;color:#285f8a}
.authority-card-icon.fi-number-icon{background:#e7f7f1;color:#15745f}
.authority-card-icon.debt-icon{background:#edf1f8;color:#354f75}
.authority-card-icon.gold-icon{background:#fff3da;color:#9a6413}
.authority-tool-card h3{margin:1px 0 8px;font-size:19px;line-height:1.22}
.authority-tool-card p{margin:0 0 18px;color:var(--muted);font-size:14.5px;line-height:1.55}
.authority-tool-card a{display:inline-flex;margin-top:auto;color:var(--teal-dark);font-weight:900;font-size:14px}
.authority-tools-footer{display:flex;justify-content:center;margin-top:28px}
.authority-tools-footer .button{min-height:54px}

.tools-directory-hero .page-hero-inner{max-width:1220px;padding:50px 0 62px}
.tools-directory-hero h1{max-width:1050px;margin-bottom:18px}
.tools-directory-hero p{max-width:1050px;font-size:17px;line-height:1.55}
.tools-directory-hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:22px}
body[data-cm-page="tools-directory"] .search-discovery-section{position:relative;z-index:2;margin-top:-36px;padding-bottom:34px}
body[data-cm-page="tools-directory"] .search-discovery-section .cm-search-widget{margin-top:0}
.tools-directory-section{padding:68px 0 76px;background:#fff}
.tools-directory-section-alt{background:#f6f9fb;border-top:1px solid #e3edf2;border-bottom:1px solid #e3edf2}
.tools-directory-heading{display:flex;justify-content:space-between;gap:30px;align-items:flex-end;margin-bottom:30px}
.tools-directory-heading h2{max-width:950px;margin:0 0 10px;font-size:38px;line-height:1.12;letter-spacing:-.8px}
.tools-directory-heading p{max-width:1000px;margin:0;color:var(--muted);font-size:17px;line-height:1.65}
.tools-directory-grid{display:grid;gap:19px}
.tools-directory-grid-core{grid-template-columns:repeat(3,minmax(0,1fr))}
.tools-directory-grid-secondary{grid-template-columns:repeat(2,minmax(0,1fr))}
.directory-tool-card{
  position:relative;
  display:flex;
  flex-direction:column;
  min-height:300px;
  padding:26px;
  border:1px solid var(--line);
  border-radius:20px;
  background:#fff;
  box-shadow:0 8px 24px rgba(17,40,68,.04);
}
.directory-tool-card .tool-icon{margin-bottom:17px}
.directory-tool-type{
  display:block;
  margin-bottom:8px;
  color:var(--teal-dark);
  font-size:12px;
  font-weight:900;
  letter-spacing:1.2px;
  text-transform:uppercase;
}
.directory-tool-card h3{margin:0 0 10px;font-size:22px;line-height:1.22}
.directory-tool-card p{margin:0 0 26px;color:var(--muted);font-size:15.5px;line-height:1.62}
.directory-tool-card>a{display:inline-flex;margin-top:auto;color:var(--teal-dark);font-weight:900}
.directory-tool-card-secondary{min-height:275px}
.authority-icon{background:#edf5f7;color:#285c72}
.authority-icon.withdrawal-icon{background:#e9f4ff;color:#285f8a}
.authority-icon.fi-number-icon{background:#e7f7f1;color:#15745f}
.authority-icon.debt-icon{background:#edf1f8;color:#354f75}
.authority-icon.gold-icon{background:#fff3da;color:#9a6413}
.tools-directory-learn{padding:58px 0;background:linear-gradient(135deg,#eff8f6 0%,#f7fbfd 60%,#fff8eb 100%);border-top:1px solid #dce9eb}
.tools-directory-learn-inner{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:32px;align-items:center}
.tools-directory-learn h2{margin:0 0 10px;font-size:34px;line-height:1.15;letter-spacing:-.7px}
.tools-directory-learn p{max-width:850px;margin:0;color:var(--muted);font-size:16.5px;line-height:1.65}

.tool-card a:focus-visible,.authority-tool-card a:focus-visible,.directory-tool-card a:focus-visible,.tools-directory-hero-actions a:focus-visible,.tools-directory-learn a:focus-visible{
  outline:3px solid #f0b34d;
  outline-offset:4px;
  border-radius:4px;
}

@media(max-width:1180px){
  .authority-tools-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .tools-directory-grid-core{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:980px){
  .explore-all-card{grid-column:span 2}
  .tools-directory-grid-secondary{grid-template-columns:1fr}
  .tools-directory-learn-inner{grid-template-columns:1fr}
  .tools-directory-learn .button{justify-self:start}
}
@media(max-width:700px){
  .explore-all-card{grid-column:span 1;min-height:255px}
  .authority-tools-section{padding:50px 0 56px}
  .authority-tools-grid{grid-template-columns:1fr}
  .authority-tool-card{grid-template-columns:46px minmax(0,1fr);min-height:0;padding:21px}
  .authority-card-icon{width:46px;height:46px;border-radius:15px}
  .authority-card-icon svg{width:25px;height:25px}
  .authority-tools-footer{justify-content:stretch}
  .authority-tools-footer .button{width:100%}
  .tools-directory-hero .page-hero-inner{padding:18px 0 22px}
  .tools-directory-hero h1{margin-bottom:12px}
  .tools-directory-hero p{font-size:15.5px;line-height:1.45}
  /* On narrow screens the search field is the primary action. The two hero
     shortcuts are redundant with the categories below and the mobile menu, so
     remove them from the first viewport instead of forcing users to scroll. */
  .tools-directory-hero-actions{display:none}
  body[data-cm-page="tools-directory"] .search-discovery-section{margin-top:-28px;padding-bottom:24px}
  body[data-cm-page="tools-directory"] .search-discovery-section .cm-search-widget{padding:17px 16px 20px}
  body[data-cm-page="tools-directory"] .search-discovery-section .cm-search-heading{margin-bottom:10px}
  body[data-cm-page="tools-directory"] .search-discovery-section .cm-search-kicker{margin-bottom:4px;font-size:11px}
  body[data-cm-page="tools-directory"] .search-discovery-section .cm-search-heading h2{margin-bottom:5px;font-size:21px;line-height:1.16}
  body[data-cm-page="tools-directory"] .search-discovery-section .cm-search-heading p{font-size:14px;line-height:1.45}
  .tools-directory-section{padding:48px 0 56px}
  .tools-directory-heading{display:block;margin-bottom:24px}
  .tools-directory-heading h2{font-size:31px}
  .tools-directory-heading p{font-size:16px}
  .tools-directory-grid-core{grid-template-columns:1fr}
  .directory-tool-card{min-height:0;padding:23px}
  .directory-tool-card-secondary{min-height:0}
  .tools-directory-learn{padding:46px 0 52px}
  .tools-directory-learn h2{font-size:30px}
  .tools-directory-learn .button{width:100%}
}

/* CORE8: balanced 3x3 wide grid for eight live tools plus the fixed directory gateway. */
@media (min-width:1361px){.planning-grid[data-core-tool-count="8"]{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (min-width:701px) and (max-width:1360px){.planning-grid[data-core-tool-count="8"]{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:700px){.planning-grid[data-core-tool-count="8"]{grid-template-columns:1fr}}

/* CORE9 Loan / EMI homepage + directory integration - 2026-10-17 */
.loan-main-icon{background:#edf7f5;color:#0e827a}.loan-card{background:linear-gradient(145deg,#fff 58%,#eff9f7 100%)}.loan-main-icon svg{fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}.planning-grid[data-core-tool-count="9"]{grid-template-columns:repeat(3,minmax(0,1fr))}.planning-grid[data-core-tool-count="9"] .explore-all-card{grid-column:span 1}
@media (min-width:1361px){.planning-grid[data-core-tool-count="9"]{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (min-width:701px) and (max-width:1360px){.planning-grid[data-core-tool-count="9"]{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:700px){.planning-grid[data-core-tool-count="9"]{grid-template-columns:1fr}}

/* SEARCH1: compact, site-wide search entry in the established header. */
.desktop-nav .site-search-link{display:inline-flex;align-items:center;gap:6px;border:1px solid #bfd4de;border-radius:999px;padding:8px 12px;color:#183c5a;background:#f8fbfc;line-height:1;white-space:nowrap}
.desktop-nav .site-search-link:hover{border-color:#70b9b1;background:#eef9f7;color:#0b6f69}
.desktop-nav .site-search-link[aria-current="page"]{border-color:#0e827a;background:#e8f7f5;color:#0b6f69}
.site-search-link-icon{display:inline-grid;place-items:center;width:16px;height:16px}
.site-search-link-icon svg{display:block;width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.mobile-nav-panel a[data-cm-search-link],.mobile-nav-links a[data-cm-search-link]{color:#0b6f69}
@media(max-width:1180px) and (min-width:981px){.desktop-nav .site-search-link{padding:8px 10px}.desktop-nav{gap:15px}}
@media(prefers-reduced-motion:reduce){.desktop-nav .site-search-link{transition:none}}


/* CONTACT-PRESENTATION2 — compact contact hero so the primary email action enters the first desktop viewport. */
body.contact-page .page-hero-inner{padding:42px 0 38px}
body.contact-page .page-hero .section-kicker{margin-bottom:12px}
body.contact-page .page-hero h1{margin-bottom:16px;font-size:clamp(43px,3.65vw,60px)}
body.contact-page .page-hero p{font-size:18px;line-height:1.55}
body.contact-page .contact-section{padding:38px 0 72px}
body.contact-page .contact-intro{margin-bottom:18px}
body.contact-page .contact-card{margin-top:22px}
@media(max-width:700px){
  body.contact-page .page-hero-inner{padding:28px 0 26px}
  body.contact-page .page-hero h1{font-size:clamp(34px,10vw,44px);margin-bottom:13px}
  body.contact-page .page-hero p{font-size:16px}
  body.contact-page .contact-section{padding:30px 0 56px}
}