:root{--ink:#16323B;--body:#3E5650;--muted:#5A6E6B;--teal:#0E6F8A;--teal-dark:#0A5468;--green:#6E9E2E;--green-dark:#5A8424;--bg:#F6F8F7;--white:#FFFFFF;--line:#E2E8E6;--star:#C98A00;--radius:20px;--max:1200px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Source Sans 3',Arial,sans-serif;color:var(--ink);background:var(--bg);font-size:18px;line-height:1.6}
img{max-width:100%;display:block}
a{color:var(--teal)}a:hover{color:var(--teal-dark)}
h1,h2,h3{font-family:Outfit,Arial,sans-serif;line-height:1.15;margin:0}
p{margin:0}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.section{padding:88px 0}
.section.white{background:var(--white)}
.section.dark{background:var(--ink);color:#fff}
.center{text-align:center}
.lead{color:var(--body);font-size:20px}
.muted{color:var(--body)}
.h2{font-size:38px;margin-bottom:12px}
.intro{max-width:680px;color:var(--body);margin-bottom:44px}
.center .intro{margin-left:auto;margin-right:auto}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px}
.btn{display:inline-block;padding:14px 28px;border-radius:999px;font-weight:600;text-decoration:none;font-size:17px;line-height:1.2;text-align:center}
.btn-green{background:var(--green);color:#fff}.btn-green:hover{background:var(--green-dark);color:#fff}
.btn-teal{background:var(--teal);color:#fff}.btn-teal:hover{background:var(--teal-dark);color:#fff}
.btn-outline{border:2px solid var(--teal);color:var(--teal);padding:12px 26px}.btn-outline:hover{background:var(--teal);color:#fff}
.btn-white{background:#fff;color:var(--teal)}.btn-white:hover{background:#E9F4F7;color:var(--teal-dark)}
.btn-row{display:flex;flex-wrap:wrap;gap:14px}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 24px;max-width:var(--max);margin:0 auto}
.brand{display:flex;align-items:center;text-decoration:none}
.brand img{height:52px;width:auto}
.nav{display:flex;align-items:center;gap:26px;font-size:16px;font-weight:600}
.nav a{color:var(--ink);text-decoration:none}
.nav a:hover,.nav a[aria-current="page"]{color:var(--teal)}
.nav .btn{color:#fff;padding:11px 20px;font-size:16px}
.menu-btn{display:none;width:48px;height:48px;border:1px solid #D5DEDC;border-radius:12px;background:#fff;align-items:center;justify-content:center;cursor:pointer}
.mobile-menu{display:none;flex-direction:column;padding:4px 24px 20px;border-top:1px solid var(--line);font-size:18px;font-weight:600}
.mobile-menu a{color:var(--ink);text-decoration:none;padding:14px 0;border-bottom:1px solid #EEF2F1}
.mobile-menu .btn{margin-top:14px;border:0;color:#fff}
.mobile-menu.open{display:flex}
@media (max-width:900px){.nav{display:none}.menu-btn{display:flex}}
.hero{background:#fff}
.hero-inner{display:flex;flex-wrap:wrap;align-items:center;gap:56px;padding:72px 0 88px}
.hero-text{flex:1 1 520px;min-width:0}
.hero h1{font-size:clamp(34px,3.85vw,48px);font-weight:700;margin-bottom:20px}
.hero .lead{max-width:580px;margin-bottom:32px}
.hero-media{flex:1 1 400px;min-width:0}
.trust{display:flex;flex-wrap:wrap;gap:12px 28px;font-size:16px;color:var(--body);margin-top:34px}
.trust strong{color:var(--ink)}
.stars{color:var(--star);letter-spacing:2px}
.page-head{background:#fff;padding:64px 0 56px;border-bottom:1px solid var(--line)}
.page-head h1{font-size:clamp(32px,4.2vw,50px);margin-bottom:14px}
.page-head .lead{max-width:720px}
.crumb{font-size:15px;margin-bottom:14px;color:var(--muted)}
.crumb a{color:var(--muted)}
.grid{display:grid;gap:24px}
.g3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.g5{grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:20px}
.g4{grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:28px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px}
.card h3{font-size:24px;margin:16px 0 8px}
.card p{color:var(--body)}
.cover-card{display:block;text-decoration:none;color:var(--ink);background:var(--bg);border-radius:18px;padding:26px;transition:transform .15s,box-shadow .15s}
.section:not(.white) .cover-card{background:#fff;border:1px solid var(--line)}
.cover-card:hover{transform:translateY(-2px);box-shadow:0 6px 18px rgba(22,50,59,.08);color:var(--ink)}
.cover-card h3{font-size:21px;margin-bottom:8px}
.cover-card p{font-size:16px;color:var(--body);margin-bottom:14px}
.cover-card span{font-size:15px;font-weight:600;color:var(--teal)}
.step-num{width:48px;height:48px;border-radius:50%;background:var(--teal);color:#fff;font-family:Outfit,Arial,sans-serif;font-weight:600;font-size:20px;display:flex;align-items:center;justify-content:center}
.step h3{font-size:21px;margin:16px 0 6px}
.step p{color:var(--body);font-size:17px}
.review{background:#fff;color:var(--ink);border-radius:var(--radius);padding:28px;display:flex;flex-direction:column;box-shadow:0 2px 10px rgba(22,50,59,.06)}
.review .stars{margin-bottom:10px}
.review blockquote{margin:0 0 18px;flex:1;font-size:17px}
.review cite{font-style:normal;font-weight:700;font-size:16px}
.review cite span{display:block;font-weight:400;font-size:14px;color:var(--muted)}
.reviews-head{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:20px;margin-bottom:40px}
.dark .rating{color:#D3E1DE}.dark .rating strong{color:#fff}.dark .stars{color:#F5C04A}
.dark .review .stars{color:var(--star)}
.dark a.text-link{color:#fff}
.rating{display:flex;flex-wrap:wrap;align-items:center;gap:10px;font-size:17px;color:var(--body)}
.rating strong{color:var(--ink)}
.review-group{margin-top:56px}
.review-group h2{font-size:24px;color:var(--teal-dark);padding-bottom:10px;border-bottom:2px solid var(--line);margin-bottom:22px}
.split{display:flex;flex-wrap:wrap;gap:48px;align-items:flex-start}
.split>*{flex:1 1 440px;min-width:0}
.insurers{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.insurers div{background:#fff;border:1px solid var(--line);border-radius:12px;min-height:64px;display:flex;align-items:center;justify-content:center;text-align:center;font-size:15px;color:var(--muted);padding:8px}
@media (max-width:560px){.insurers{grid-template-columns:repeat(2,minmax(0,1fr))}}
.prose{max-width:760px}
.prose h2{font-size:30px;margin:44px 0 14px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:22px;margin:28px 0 10px}
.prose p{margin-bottom:16px;color:var(--body)}
.prose ul,.prose ol{color:var(--body);padding-left:22px;margin:0 0 16px}
.prose li{margin-bottom:8px}
.aside-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;position:sticky;top:100px}
.aside-card h3{font-size:22px;margin-bottom:10px}
.aside-card p{color:var(--body);margin-bottom:18px;font-size:17px}
.with-aside{display:flex;flex-wrap:wrap;gap:48px;align-items:flex-start}
.with-aside .prose{flex:999 1 560px;min-width:0}
.with-aside aside{flex:1 1 300px;min-width:0}
@media (max-width:900px){.aside-card{position:static}}
.person{display:flex;flex-wrap:wrap;gap:36px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:36px;margin-bottom:28px}
.person>div:last-child{flex:1 1 380px;min-width:0}
.person h2{font-size:30px;margin-bottom:4px}
.person .role{color:var(--teal);font-weight:600;margin-bottom:16px}
.person p{color:var(--body);margin-bottom:14px}
.contact-list{list-style:none;padding:0;margin:0}
.contact-list li{display:flex;gap:14px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--line)}
.contact-list li:last-child{border-bottom:0}
.contact-list .label{font-size:14px;color:var(--muted);display:block}
.contact-list a{font-weight:600;font-size:19px;text-decoration:none}
.table-box{overflow-x:auto;margin-bottom:16px}
.table-box table{border-collapse:collapse;width:100%;min-width:420px;font-size:17px}
.table-box th,.table-box td{text-align:left;padding:10px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.table-box th{color:var(--ink);width:38%}
.table-box td{color:var(--body)}
.cta-band{padding:0 0 88px}
.cta-inner{background:var(--teal);color:#fff;border-radius:28px;padding:56px 40px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px}
.cta-inner h2{font-size:34px;margin-bottom:8px}
.cta-inner p{color:#DCEFF3}
.site-footer{background:#fff;border-top:1px solid var(--line);font-size:16px;color:var(--body)}
.footer-inner{display:flex;flex-wrap:wrap;gap:40px;justify-content:space-between;padding:48px 24px 24px;max-width:var(--max);margin:0 auto}
.footer-inner>div{flex:1 1 220px}
.footer-inner .f-title{font-weight:600;color:var(--ink);margin-bottom:8px}
.footer-inner a{text-decoration:none}
.footer-inner a:hover{text-decoration:underline}
.footer-base{max-width:var(--max);margin:0 auto;padding:0 24px 32px;font-size:14px;color:var(--muted)}
.hero-photo{position:relative;border-radius:28px;background:linear-gradient(160deg,#E4F0F3 0%,#EEF5E4 100%);overflow:hidden;aspect-ratio:4/4.4;display:flex;align-items:flex-end;justify-content:center}
.hero-photo img{width:88%;height:auto;mix-blend-mode:multiply}
.person-photo{flex:0 0 240px;border-radius:18px;overflow:hidden;background:#EEF4F3;aspect-ratio:3/4}
.person-photo img{width:100%;height:100%;object-fit:cover;object-position:top center;mix-blend-mode:multiply}
.ph-photo{display:flex;align-items:center;justify-content:center;color:var(--muted);font-size:15px;text-align:center;padding:16px}
@media (max-width:620px){.person-photo{flex:1 1 100%;max-width:360px}}
@media (max-width:600px){body{font-size:17px}.section{padding:64px 0}.h2{font-size:30px}.hero-inner{padding:44px 0 64px;gap:36px}.hero-photo{aspect-ratio:1/1}.cta-inner{padding:40px 24px}.cta-inner h2{font-size:28px}.person{padding:24px}.brand img{height:44px}}

.insurers img{max-height:40px;max-width:85%;width:auto;height:auto;object-fit:contain}

/* insurer logo sizing v2 */
.insurers{grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.insurers div{min-height:76px;padding:12px 18px}
.insurers img{max-height:46px;max-width:88%;width:auto;height:auto;object-fit:contain}

.insurers img[alt="AIA"]{max-height:62px;max-width:92%}

.footer-logo{width:220px;height:auto;margin-bottom:14px}

/* solace definition */
.definition{margin:0 0 22px;padding-left:14px;border-left:3px solid var(--teal);font-size:16px;line-height:1.5;color:var(--muted);max-width:560px}
.definition .def-word{font-family:Outfit,Arial,sans-serif;font-weight:600;font-size:19px;color:var(--ink)}
.definition .def-say{color:var(--muted);margin:0 4px}
.definition em{color:var(--muted)}
@media (max-width:600px){.definition{font-size:15px}.definition .def-sep{display:none}.definition .def-text{display:block;margin-top:2px}}

/* dictionary entry */
.dict{display:inline-block;max-width:460px;margin:0 0 28px;padding:16px 24px 16px;background:#FBF8F0;border:1px solid #E7DFCB;border-radius:3px;box-shadow:0 1px 0 #EFE8D5,0 8px 20px rgba(22,50,59,.08);font-family:'Libre Baskerville',Georgia,'Times New Roman',serif;color:#2A2A2A;transform:rotate(-1.2deg);position:relative}
.dict::before{content:"";position:absolute;left:24px;right:24px;top:8px;border-top:1px solid #D9CFB6;border-bottom:1px solid #D9CFB6;height:2px}
.dict-head{display:flex;align-items:baseline;flex-wrap:wrap;gap:12px;margin-top:6px}
.dict-word{font-weight:700;font-size:26px;letter-spacing:.01em;color:#1E1E1E}
.dict-say{font-size:16px;color:#6B6458}
.dict-pos{font-style:italic;font-size:15px;color:#8A6A33;margin:2px 0 8px}
.dict-def{margin:0;font-size:16px;line-height:1.6;color:#2A2A2A}
.dict-num{font-weight:700;margin-right:8px}
@media (max-width:600px){.dict{display:block;transform:rotate(-0.8deg);padding:14px 18px}.dict::before{left:18px;right:18px}.dict-word{font-size:23px}.dict-def{font-size:15px}}

/* dictionary page style */
.dict-ctx{display:none}
.dict.paper{background-color:#FCFBF7;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='160' height='160'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2' stitchTiles='stitch'/><feColorMatrix values='0 0 0 0 0  0 0 0 0 0  0 0 0 0 0  0 0 0 .06 0'/></filter><rect width='100%25' height='100%25' filter='url(%23n)'/></svg>");border:0;border-radius:2px;box-shadow:0 10px 24px rgba(22,50,59,.10),0 1px 2px rgba(22,50,59,.08);padding:14px 24px;font-family:'Libre Baskerville',Georgia,'Times New Roman',serif;color:#1C1C1C;transform:rotate(-1.4deg);-webkit-mask-image:linear-gradient(to bottom,transparent 0,#000 22%,#000 78%,transparent 100%);mask-image:linear-gradient(to bottom,transparent 0,#000 22%,#000 78%,transparent 100%)}
.dict.paper::before{display:none}
.dict.paper .dict-ctx{display:block;filter:blur(1.6px);opacity:.6;font-size:14px;line-height:1.55;user-select:none}
.dict.paper .dict-ctx p{margin:0 0 3px}
.dict.paper .dict-ctx b{font-family:Arial,Helvetica,sans-serif;font-weight:700}
.dict.paper .dict-ctx-before{margin-bottom:6px}
.dict.paper .dict-ctx-after{margin-top:6px}
.dict.paper .dict-head,.dict.paper .dict-pos,.dict.paper .dict-def{display:inline;margin:0}
.dict.paper .dict-head{gap:0}
.dict.paper .dict-word{font-family:Arial,Helvetica,sans-serif;font-weight:700;font-size:21px;margin-right:6px}
.dict.paper .dict-say{font-size:15px;color:#444;margin-right:6px}
.dict.paper .dict-pos{font-style:italic;font-weight:700;font-size:15px;color:#1C1C1C;margin-right:8px}
.dict.paper .dict-def{font-size:16px;line-height:1.55}
.dict.paper .dict-num{font-family:Arial,Helvetica,sans-serif;font-weight:700;margin-right:6px}
@media (max-width:600px){.dict.paper{padding:12px 18px;transform:rotate(-0.9deg)}.dict.paper .dict-ctx{font-size:13px}.dict.paper .dict-word{font-size:19px}}

/* dictionary mobile trim */
@media (max-width:600px){
.dict.paper .dict-ctx-before p:first-child{display:none}
.dict.paper .dict-ctx-after p:nth-child(n+2){display:none}
.dict.paper{padding:10px 18px;-webkit-mask-image:linear-gradient(to bottom,transparent 0,#000 30%,#000 70%,transparent 100%);mask-image:linear-gradient(to bottom,transparent 0,#000 30%,#000 70%,transparent 100%)}
}

/* hero headline mobile size */
@media (max-width:600px){.hero h1{font-size:clamp(22px,6.9vw,34px);line-height:1.15}}

/* trust line */
.trust{flex-direction:column;align-items:flex-start;gap:8px}
.trust-line{font-size:16px;color:var(--body)}

/* cover card worry label */
.cover-card .cover-q{font-family:Outfit,Arial,sans-serif;font-size:15px;font-weight:600;line-height:1.3;color:var(--teal);margin:0 0 8px}
.cover-card h3{font-size:22px}

/* faq */
.faq{max-width:820px;display:flex;flex-direction:column;gap:12px}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:16px;padding:0 24px}
.faq-item summary{cursor:pointer;list-style:none;font-family:Outfit,Arial,sans-serif;font-weight:600;font-size:20px;color:var(--ink);padding:20px 36px 20px 0;position:relative}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);font-size:26px;color:var(--teal);font-weight:400}
.faq-item[open] summary::after{content:"−"}
.faq-a{padding:0 0 20px;color:var(--body)}
@media (max-width:600px){.faq-item{padding:0 18px}.faq-item summary{font-size:18px}}

/* office map */
.map-head{display:flex;flex-wrap:wrap;gap:16px;align-items:flex-end;justify-content:space-between;margin-bottom:20px}
.map-wrap{border-radius:18px;overflow:hidden;box-shadow:0 10px 30px rgba(16,42,67,.10);border:1px solid rgba(16,42,67,.08)}
.map-wrap iframe{display:block;width:100%;height:400px;border:0}
@media (max-width:600px){.map-wrap iframe{height:300px}}

/* six cover cards */
@media (min-width:900px){.g6{grid-template-columns:repeat(3,1fr)}}

/* enquiry form */
.enquiry-section{padding-bottom:0}
.enquiry-card{max-width:820px;margin:0 auto}
.enquiry-fields{display:grid;grid-template-columns:1fr 1fr;gap:18px 20px;margin-bottom:20px}
.ff{display:flex;flex-direction:column;gap:6px;min-width:0}
.ff-wide{grid-column:1/-1}
.ff label{font-weight:600;font-size:15px;color:#16323B}
.ff .req{color:#0f7c86}
.ff input,.ff select,.ff textarea{font:inherit;font-size:16px;padding:12px 14px;border:1px solid rgba(22,50,59,.22);border-radius:10px;background:#fff;color:#16323B;width:100%;box-sizing:border-box}
.ff textarea{resize:vertical;min-height:120px}
.ff input:focus,.ff select:focus,.ff textarea:focus{outline:2px solid #0f7c86;outline-offset:1px;border-color:#0f7c86}
.ff [aria-invalid="true"]{border-color:#b3261e}
.ff-err{color:#b3261e;font-size:14px;margin:0}
.ff-help{font-size:14px;color:#5a6b70;margin:0}
.enquiry-error{color:#b3261e;margin:0 0 14px}
#enquiry-submit[disabled]{opacity:.7;cursor:progress}
.enquiry-privacy{font-size:13px;color:#5a6b70;margin:14px 0 0}
.enquiry-done h3{font-size:22px;margin-bottom:8px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}
@media (max-width:600px){.enquiry-fields{grid-template-columns:1fr}}

/* smaller hero photo */
.hero-media{flex:0 1 380px;max-width:380px;margin-left:auto}
@media (max-width:980px){.hero-media{flex:1 1 100%;max-width:320px;margin:0 auto}}
@media (max-width:600px){.hero-media{max-width:260px}}