:root{--navy:#0c2740;--navy2:#123d5b;--blue:#1679b8;--cyan:#21aee0;--ink:#182733;--muted:#61717d;--line:#dce5ea;--soft:#f4f8fa;--white:#fff;--shadow:0 14px 38px rgba(12,39,64,.12);--radius:18px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6}a{color:var(--blue)}
.top{min-height:42px;background:var(--navy);color:#dbe7ee;display:grid;grid-template-columns:1fr auto auto;align-items:center;font-size:14px;padding-left:24px}.top a{color:#fff;text-decoration:none;padding:9px 20px}.top .phone{min-height:42px;background:var(--blue);color:#fff;font-size:18px;font-weight:700;display:flex;align-items:center;justify-content:center;padding:0 25px}
header{height:82px;display:flex;align-items:center;padding:0 clamp(20px,4vw,64px);gap:28px;background:rgba(255,255,255,.97);position:sticky;top:0;z-index:20;border-bottom:1px solid rgba(12,39,64,.08);box-shadow:0 4px 20px rgba(12,39,64,.04)}.logo{width:190px;height:auto;display:block}nav{margin-left:auto;display:flex;align-items:stretch;height:100%}nav a{position:relative;display:flex;align-items:center;padding:0 14px;text-decoration:none;color:var(--ink);font-size:12px;font-weight:700;letter-spacing:.35px}nav a:after{content:"";position:absolute;left:14px;right:14px;bottom:20px;height:2px;background:var(--cyan);transform:scaleX(0);transition:.2s}nav a:hover,nav a.active{color:var(--blue)}nav a:hover:after,nav a.active:after{transform:scaleX(1)}#menu{display:none;margin-left:auto;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--navy);font-size:23px;width:44px;height:44px}
.hero{position:relative;overflow:hidden}.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(12,39,64,.28),rgba(12,39,64,.02))}.hero img{width:100%;height:clamp(310px,42vw,560px);display:block;object-fit:cover;object-position:center}
main{display:block}.cards{max-width:1180px;margin:-72px auto 70px;position:relative;z-index:3;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;padding:0 24px}.cards article{background:#fff;min-height:285px;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:30px 28px 28px;transition:transform .2s,box-shadow .2s}.cards article:hover{transform:translateY(-5px);box-shadow:0 18px 46px rgba(12,39,64,.17)}.cards h2{text-align:center;color:var(--navy);font-size:23px;margin:12px 0 12px}.cards p{font-size:16px;line-height:1.6;margin:0;color:#425461}.service-icon{display:block;width:76px;height:76px;object-fit:contain;margin:0 auto}
footer{background:var(--navy);color:#dbe5eb;padding:54px 24px 28px;border-top:5px solid var(--cyan)}.footgrid{max-width:1160px;margin:auto;display:grid;grid-template-columns:.9fr 1.35fr .9fr;gap:64px}.footgrid h3{color:#fff;text-align:left;font-size:18px;margin:0 0 18px;letter-spacing:.2px}.footgrid p,.footgrid a{font-size:15px;line-height:1.65}.footgrid a{color:#6dd5f3;text-decoration:none}.inputs{display:grid;grid-template-columns:1fr 1fr;gap:10px}.footgrid input,.footgrid textarea{border:1px solid rgba(255,255,255,.14);border-radius:8px;background:rgba(255,255,255,.08);color:#fff;padding:12px 13px;font-size:14px;width:100%;outline:none}.footgrid input::placeholder,.footgrid textarea::placeholder{color:#c7d4dc}.footgrid input:focus,.footgrid textarea:focus{border-color:var(--cyan);background:rgba(255,255,255,.11)}.footgrid textarea{height:110px;margin-top:10px;resize:vertical}.footgrid form button{float:right;background:var(--cyan);border:0;border-radius:8px;color:var(--navy);font-weight:700;font-size:14px;padding:10px 20px;margin-top:8px;cursor:pointer}.privacy{text-align:left;clear:both;padding-top:20px}.legal{clear:both;max-width:1040px;margin:42px auto 0;padding-top:22px;border-top:1px solid rgba(255,255,255,.14);text-align:center;font-size:11px;line-height:1.65;color:#aebfc9}
/* Shared inner-page heroes */
.about-hero,.mortgage-hero,.pensions-hero,.investments-hero,.equity-hero,.contact-hero{height:clamp(300px,34vw,440px);display:flex;align-items:center;justify-content:center;position:relative;background-size:cover!important}.about-hero:before,.mortgage-hero:before,.pensions-hero:before,.investments-hero:before,.equity-hero:before,.contact-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,31,50,.42),rgba(8,31,50,.16))}.about-hero span,.mortgage-hero span,.pensions-hero span,.investments-hero span,.equity-hero span,.contact-hero span{position:relative;z-index:1;background:rgba(12,39,64,.92);color:#fff;font-size:clamp(26px,3vw,40px);font-weight:700;line-height:1.1;text-align:center;padding:16px 38px;border-radius:10px;box-shadow:0 10px 30px rgba(0,0,0,.2)}
.about-hero{background:url("assets/about-us-header.jpg") center center/cover no-repeat}.mortgage-hero{background:url("assets/mortgages-header.png") center 43%/cover no-repeat}.pensions-hero{background:url("assets/pensions-header.png") center 42%/cover no-repeat}.investments-hero{background:url("assets/investment-0.png") center center/cover no-repeat}.equity-hero{background-image:url('assets/equity-release-header.jpeg');background-position:center 48%}.contact-hero{background:url("assets/contact-header.png") center center/cover no-repeat}
.about-main,.mortgage-main,.pensions-main,.investments-main,.equity-main,.contact-main,.cookie-main{max-width:1120px;margin:0 auto;padding:58px 28px 72px}.about-main h1,.mortgage-main h1,.pensions-main h1,.investments-main h1,.equity-main h1,.contact-main h1,.cookie-main h1{color:var(--navy);font-size:clamp(28px,3vw,38px);line-height:1.2;margin:0 0 16px}.about-main>h1,.mortgage-main>h1,.pensions-main>h1,.investments-main>h1{text-align:center}.about-main p,.about-main li,.mortgage-main p,.mortgage-main li,.pensions-main p,.pensions-main li,.investments-main p,.investments-main li,.equity-main p,.contact-main p,.cookie-main p{font-size:16px;line-height:1.7;color:#354955}.about-main h3,.mortgage-main h3,.pensions-main h3,.investments-main h3{color:var(--navy);font-size:20px;margin:26px 0 6px}.about-rule,.equity-rule{border:0;height:3px;background:linear-gradient(90deg,var(--cyan),transparent);margin:0 0 28px}.promise{border:1px solid #dbe7ed;background:var(--soft);border-radius:12px;text-align:center;margin:24px 0;padding:13px 18px;font-size:14px;color:var(--muted)}
.about-row,.mortgage-row,.pensions-intro,.investment-row{display:grid;grid-template-columns:1.4fr 1fr;gap:50px;align-items:start;margin:34px 0}.about-row img,.mortgage-row img,.pensions-intro img,.investment-row img{width:100%;display:block;border-radius:var(--radius);box-shadow:var(--shadow)}.investment-row.reverse{grid-template-columns:1fr 1.4fr}.expertise,.personal-service,.pension-personal{display:flex;align-items:stretch;margin:36px 0;background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:0 8px 24px rgba(12,39,64,.06)}.expertise div,.personal-service div,.pension-personal div{padding:22px 26px}.expertise h2,.personal-service h2,.pension-personal h2{color:var(--navy);font-size:27px;margin:0 0 5px}.expertise>a,.personal-service>a,.pension-personal>a{min-width:190px;background:var(--blue);color:#fff;text-decoration:none;font-size:19px;font-weight:700;display:flex;align-items:center;justify-content:center;text-align:center;padding:22px}.warning,.risk,.notice{background:#fff8e8;border-left:4px solid #e4ad38;padding:12px 16px;border-radius:0 8px 8px 0;color:#5d5134!important}.mortgage-main .warning,.pensions-main .risk,.investments-main .risk{font-size:13px;line-height:1.55}.mortgage-main ul,.investment-row ul,.investment-row ol{padding-left:22px}.small-note{font-size:13px!important}.pension-steps{display:grid;grid-template-columns:1fr auto 1fr auto 1fr;align-items:center;gap:14px;margin:32px 0}.pension-steps div{border:1px solid var(--line);border-radius:14px;background:#fff;box-shadow:0 6px 20px rgba(12,39,64,.07);padding:18px;text-align:center}.pension-steps strong{display:block;color:var(--navy);font-size:14px;letter-spacing:.5px}.pension-steps span{display:block;font-size:12px;color:var(--muted);margin-top:6px}.pension-steps b{color:var(--cyan);font-size:22px}.investment-jump{margin:24px 0 38px;display:flex;flex-wrap:wrap;justify-content:center;gap:8px}.investment-jump a{font-size:12px;color:var(--navy);background:var(--soft);border:1px solid var(--line);border-radius:999px;padding:7px 12px;text-decoration:none}.investments-main h3{font-size:21px}.adviser-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin:34px 0}.adviser-card{border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:28px;background:#fff}.adviser-card img{display:block;height:150px;width:150px;border-radius:50%;object-fit:cover;margin:0 auto 16px;box-shadow:0 6px 18px rgba(12,39,64,.14)}.adviser-card h2{text-align:center;color:var(--navy);font-size:22px;margin:5px 0 14px}.adviser-card .adviser-contact{text-align:center;font-weight:700;color:var(--blue)}
.contact-main h2{color:var(--blue);font-size:21px;margin:2px 0 26px;font-weight:500}.contact-inputs{display:grid;grid-template-columns:1fr 1fr;gap:14px}.contact-form{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:26px;margin:24px 0}.contact-form input,.contact-form textarea{width:100%;border:1px solid #cddae1;border-radius:9px;background:#fff;padding:13px;font-size:14px}.contact-form textarea{height:130px;margin-top:14px;resize:vertical}.contact-form button{float:right;margin-top:10px;background:var(--blue);color:#fff;border:0;border-radius:8px;padding:11px 24px;font-weight:700}.contact-privacy{clear:both;text-align:center;padding-top:24px;font-size:13px!important}.contact-main a{color:var(--blue);text-decoration:none}.contact-details{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);border-radius:var(--radius);margin:28px 0 38px;padding:24px;gap:28px;box-shadow:0 8px 24px rgba(12,39,64,.06)}.contact-details h3{color:var(--navy);font-size:18px;margin:0 0 5px}.contact-details p{margin:0}.map-placeholder{height:260px;background:linear-gradient(135deg,#eaf2f6,#d9e8ef);border:1px solid var(--line);border-radius:var(--radius);display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;gap:8px;margin:10px 0 30px}.map-placeholder strong{font-size:21px;color:var(--navy)}.map-placeholder a{background:var(--blue);color:white;padding:9px 16px;border-radius:8px}.complaints{background:var(--soft);border-radius:var(--radius);padding:26px}.complaints h2{color:var(--navy);font-size:22px;margin:0 0 8px}.cookie-main{min-height:360px}.cookie-main p{max-width:900px}
@media(max-width:900px){.top{grid-template-columns:1fr auto;padding-left:0}.top>div:first-child{display:none}.top a{padding:9px 12px;font-size:12px}.top .phone{font-size:15px;padding:0 14px}header{height:72px;padding:0 16px}.logo{width:160px}#menu{display:block}nav{display:none;position:absolute;top:72px;left:0;right:0;height:auto;background:#fff;z-index:30;flex-direction:column;box-shadow:0 12px 25px rgba(12,39,64,.15);padding:8px 0}nav.open{display:flex}nav a{padding:12px 20px}nav a:after{display:none}.hero img{height:360px}.cards{grid-template-columns:1fr;margin:-45px auto 50px;max-width:620px}.footgrid{grid-template-columns:1fr;gap:30px}.footgrid h3,.privacy{text-align:left}.about-hero,.mortgage-hero,.pensions-hero,.investments-hero,.equity-hero,.contact-hero{height:250px}.about-row,.mortgage-row,.pensions-intro,.investment-row,.investment-row.reverse{grid-template-columns:1fr;gap:24px}.expertise,.personal-service,.pension-personal{display:block}.expertise>a,.personal-service>a,.pension-personal>a{display:block;min-width:0}.pension-steps{grid-template-columns:1fr}.pension-steps b{transform:rotate(90deg)}.adviser-grid,.contact-inputs,.contact-details{grid-template-columns:1fr}.investment-jump{display:none}}
@media(max-width:560px){.top{display:flex;justify-content:space-between}.top a{font-size:11px;padding:8px}.top .phone{font-size:13px;padding:0 10px}.hero img{height:280px}.cards{padding:0 16px}.cards article{padding:24px 20px}.about-main,.mortgage-main,.pensions-main,.investments-main,.equity-main,.contact-main,.cookie-main{padding:38px 18px 50px}.about-hero span,.mortgage-hero span,.pensions-hero span,.investments-hero span,.equity-hero span,.contact-hero span{font-size:24px;padding:13px 22px}.inputs{grid-template-columns:1fr}.footgrid{padding:0}.contact-form{padding:18px}}

/* ===== 2026 MODERN REDESIGN OVERRIDES ===== */
:root{--navy:#071b2d;--navy2:#0b2d47;--blue:#0b74b8;--cyan:#38c6ee;--ink:#102231;--muted:#657782;--line:#dfe8ed;--soft:#f5f9fb;--white:#fff;--shadow:0 24px 70px rgba(7,27,45,.12);--radius:26px}
body{font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;background:#fbfdfe;color:var(--ink)}
.top{min-height:38px;background:#061827;padding-left:clamp(18px,4vw,64px);font-size:13px}.top .phone{min-height:38px;background:linear-gradient(135deg,#0878ba,#1aa8d5);font-size:15px;padding:0 28px}.top a{padding:7px 18px}
header{height:92px;padding:0 clamp(20px,5vw,76px);background:rgba(255,255,255,.9);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);border-bottom:1px solid rgba(7,27,45,.06);box-shadow:none}.logo{width:205px}nav{gap:4px}nav a{font-size:11.5px;letter-spacing:.65px;padding:0 12px;text-transform:uppercase}nav a:after{left:12px;right:12px;bottom:27px;height:3px;border-radius:3px;background:linear-gradient(90deg,var(--blue),var(--cyan))}
.hero{min-height:520px;background:#071b2d}.hero:after{background:linear-gradient(90deg,rgba(5,22,36,.30),rgba(5,22,36,.02) 58%,rgba(5,22,36,.08))}.hero img{height:clamp(480px,54vw,690px);object-position:center}
.cards{max-width:1240px;margin:-100px auto 90px;gap:20px;padding:0 28px}.cards article{min-height:310px;border:1px solid rgba(7,27,45,.06);border-radius:30px;padding:34px 32px;background:rgba(255,255,255,.96);box-shadow:0 24px 65px rgba(7,27,45,.12)}.cards article:hover{transform:translateY(-8px);box-shadow:0 30px 80px rgba(7,27,45,.17)}.cards h2{font-size:25px;letter-spacing:-.5px}.cards p{color:#526671}.service-icon{width:82px;height:82px}
footer{background:linear-gradient(145deg,#061827,#0b2d47);padding:70px 28px 30px;border-top:0;position:relative}footer:before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:linear-gradient(90deg,var(--blue),var(--cyan),#77def6)}.footgrid{max-width:1200px;gap:72px}.footgrid h3{font-size:16px;text-transform:uppercase;letter-spacing:1.2px}.footgrid input,.footgrid textarea{border-radius:13px;background:rgba(255,255,255,.07);padding:13px 14px}.footgrid form button{border-radius:999px;padding:11px 24px;background:linear-gradient(135deg,var(--blue),var(--cyan));color:#fff}.legal{max-width:1120px;margin-top:50px}
/* Cinematic inner heroes */
.about-hero,.mortgage-hero,.pensions-hero,.investments-hero,.equity-hero,.contact-hero{height:clamp(400px,46vw,590px);align-items:flex-end;justify-content:flex-start;padding:0 clamp(24px,7vw,110px) 58px;border-radius:0 0 42px 42px;overflow:hidden;background-attachment:scroll!important}
.about-hero:before,.mortgage-hero:before,.pensions-hero:before,.investments-hero:before,.equity-hero:before,.contact-hero:before{background:linear-gradient(90deg,rgba(5,22,36,.72) 0%,rgba(5,22,36,.25) 55%,rgba(5,22,36,.05) 100%),linear-gradient(0deg,rgba(5,22,36,.45),transparent 60%)}
.about-hero span,.mortgage-hero span,.pensions-hero span,.investments-hero span,.equity-hero span,.contact-hero span{background:transparent;box-shadow:none;border-radius:0;padding:0;color:#fff;font-size:clamp(42px,6vw,72px);font-weight:650;letter-spacing:-2.2px;line-height:.98;text-align:left;max-width:850px;text-shadow:0 3px 22px rgba(0,0,0,.25)}
/* Keep homepage image unchanged; refine non-home image crops */
.about-hero{background-position:center 46%!important}.mortgage-hero{background-position:center 38%!important}.pensions-hero{background-position:center 38%!important}.investments-hero{background-position:center 48%!important}.equity-hero{background-position:center 48%!important}.contact-hero{background-position:center 45%!important}
.about-main,.mortgage-main,.pensions-main,.investments-main,.equity-main,.contact-main,.cookie-main{max-width:1180px;padding:82px 32px 100px}.about-main>h1,.mortgage-main>h1,.pensions-main>h1,.investments-main>h1{text-align:left;font-size:clamp(34px,4vw,52px);letter-spacing:-1.5px;max-width:850px}.about-main h1,.mortgage-main h1,.pensions-main h1,.investments-main h1,.equity-main h1,.contact-main h1,.cookie-main h1{font-weight:650}.about-main p,.about-main li,.mortgage-main p,.mortgage-main li,.pensions-main p,.pensions-main li,.investments-main p,.investments-main li,.equity-main p,.contact-main p,.cookie-main p{font-size:16px;line-height:1.82;color:#425762}.about-main h3,.mortgage-main h3,.pensions-main h3,.investments-main h3{font-size:23px;letter-spacing:-.35px;margin-top:34px}
.about-rule,.equity-rule{height:4px;width:90px;border-radius:4px;background:linear-gradient(90deg,var(--blue),var(--cyan));margin:0 0 36px}.promise{border:0;background:#edf7fb;border-radius:999px;padding:12px 22px;margin:28px 0 42px;text-align:left;display:inline-block}
.about-row,.mortgage-row,.pensions-intro,.investment-row{grid-template-columns:minmax(0,1.25fr) minmax(300px,.75fr);gap:70px;margin:55px 0 70px;align-items:center}.about-row img,.mortgage-row img,.pensions-intro img,.investment-row img{border-radius:30px;box-shadow:0 30px 70px rgba(7,27,45,.15);aspect-ratio:4/3;object-fit:cover}.investment-row.reverse{grid-template-columns:minmax(300px,.75fr) minmax(0,1.25fr)}
.expertise,.personal-service,.pension-personal{margin:55px 0;background:linear-gradient(135deg,#eef8fb,#f8fbfc);border:1px solid rgba(11,116,184,.10);border-radius:28px;box-shadow:none}.expertise div,.personal-service div,.pension-personal div{padding:34px 38px}.expertise h2,.personal-service h2,.pension-personal h2{font-size:31px;letter-spacing:-.8px}.expertise>a,.personal-service>a,.pension-personal>a{min-width:220px;background:linear-gradient(145deg,#0878ba,#0e9ccc);font-size:17px;padding:30px;border-radius:0}
.warning,.risk,.notice{background:#fff8e7;border:0;border-left:5px solid #e7b64a;border-radius:14px;padding:17px 20px;box-shadow:0 8px 24px rgba(89,66,14,.06)}
.pension-steps{gap:12px;margin:42px 0}.pension-steps div{border:0;border-radius:22px;background:#fff;box-shadow:0 16px 44px rgba(7,27,45,.08);padding:25px 20px}.pension-steps strong{font-size:15px}.pension-steps b{font-size:26px}
.investment-jump{justify-content:flex-start;margin:28px 0 50px}.investment-jump a{font-size:12px;background:#fff;border:1px solid #dbe8ee;border-radius:999px;padding:9px 14px;transition:.2s}.investment-jump a:hover{background:#eaf7fb;border-color:#b9ddea}
.adviser-grid{gap:30px;margin:48px 0}.adviser-card{border:0;border-radius:30px;box-shadow:0 22px 60px rgba(7,27,45,.10);padding:36px;background:#fff}.adviser-card img{height:175px;width:175px;border:6px solid #eef7fa}.adviser-card h2{font-size:26px;letter-spacing:-.5px}
.contact-main h2{font-size:24px}.contact-form{background:#fff;border:0;border-radius:30px;padding:34px;box-shadow:0 24px 65px rgba(7,27,45,.09)}.contact-form input,.contact-form textarea{border:1px solid #dbe6eb;border-radius:14px;background:#fbfdfe;padding:15px}.contact-form button{border-radius:999px;padding:12px 28px;background:linear-gradient(135deg,var(--blue),var(--cyan))}.contact-details{border:0;border-radius:30px;padding:34px;box-shadow:0 20px 55px rgba(7,27,45,.08);background:#fff}.map-placeholder{height:320px;border:0;border-radius:30px;background:radial-gradient(circle at 20% 20%,#fff,#e9f4f8 65%);box-shadow:inset 0 0 0 1px #dfe9ed}.map-placeholder a{border-radius:999px;padding:10px 20px}.complaints{border-radius:30px;padding:34px;background:#eef7fa}.cookie-main{min-height:500px}.cookie-main p{max-width:940px}
@media(max-width:900px){header{height:76px}.logo{width:170px}nav{top:76px}.hero{min-height:0}.hero img{height:390px}.cards{margin:-55px auto 60px}.about-hero,.mortgage-hero,.pensions-hero,.investments-hero,.equity-hero,.contact-hero{height:380px;border-radius:0 0 28px 28px;padding:0 24px 38px}.about-hero span,.mortgage-hero span,.pensions-hero span,.investments-hero span,.equity-hero span,.contact-hero span{font-size:46px;letter-spacing:-1.5px}.about-row,.mortgage-row,.pensions-intro,.investment-row,.investment-row.reverse{grid-template-columns:1fr;gap:30px}.expertise,.personal-service,.pension-personal{border-radius:24px}.expertise>a,.personal-service>a,.pension-personal>a{border-radius:0 0 24px 24px}.about-main,.mortgage-main,.pensions-main,.investments-main,.equity-main,.contact-main,.cookie-main{padding-top:58px}}
@media(max-width:560px){.top .phone{font-size:12px}.hero img{height:300px}.cards{margin:-35px auto 50px}.cards article{border-radius:24px}.about-hero,.mortgage-hero,.pensions-hero,.investments-hero,.equity-hero,.contact-hero{height:300px;padding:0 20px 28px;border-radius:0 0 22px 22px}.about-hero span,.mortgage-hero span,.pensions-hero span,.investments-hero span,.equity-hero span,.contact-hero span{font-size:36px;padding:0}.about-main,.mortgage-main,.pensions-main,.investments-main,.equity-main,.contact-main,.cookie-main{padding:46px 18px 65px}.about-main>h1,.mortgage-main>h1,.pensions-main>h1,.investments-main>h1{font-size:34px}.about-row img,.mortgage-row img,.pensions-intro img,.investment-row img{border-radius:22px}.contact-form,.contact-details,.complaints,.adviser-card{border-radius:22px;padding:22px}}

/* =========================================================
   CDC 2026 — PREMIUM PROFESSIONAL REDESIGN
   Keeps the supplied content intact; visual system only.
   ========================================================= */
:root{
  --navy:#071a2b;--navy-2:#0b2940;--navy-3:#103b57;
  --blue:#0879b9;--cyan:#35c5e8;--ice:#edf7fa;--paper:#f8fbfc;
  --ink:#132836;--muted:#5c707b;--line:#dce7ec;--white:#fff;
  --radius:22px;--radius-lg:38px;--shadow:0 28px 80px rgba(7,26,43,.11);
}
html{background:#fff} body{background:#fff;color:var(--ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;letter-spacing:-.01em}
body:before{content:"";position:fixed;z-index:-1;inset:0;background:radial-gradient(circle at 80% 15%,rgba(53,197,232,.06),transparent 24%),linear-gradient(#fff,#fff)}
.top{min-height:36px;background:#061725;grid-template-columns:1fr auto auto;padding-left:clamp(20px,5vw,84px);font-size:12px;letter-spacing:.02em}.top a{padding:7px 20px}.top .phone{min-height:36px;background:#0b75ad;font-size:14px;letter-spacing:.01em;padding:0 30px}
header{height:96px;padding:0 clamp(20px,5.5vw,90px);background:rgba(255,255,255,.94);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);box-shadow:0 1px 0 rgba(7,26,43,.07);border:0}.logo{width:210px}nav{gap:6px}nav a{font-size:11px;letter-spacing:.09em;padding:0 12px;color:#173041}nav a:after{bottom:28px;height:2px;left:12px;right:12px;background:#17a9d1}nav a:hover,nav a.active{color:#0879b9}
/* Home: retain the existing home photograph, but give it a premium crop/presentation. */
.hero{height:min(70vh,720px);min-height:520px;overflow:hidden;background:#071a2b}.hero img{height:100%;width:100%;object-fit:cover;object-position:center;transform:scale(1.002)}.hero:before{content:"";position:absolute;z-index:1;inset:auto 0 0;height:38%;background:linear-gradient(transparent,rgba(7,26,43,.28));pointer-events:none}.hero:after{z-index:1;background:linear-gradient(90deg,rgba(7,26,43,.20),transparent 44%,rgba(7,26,43,.06))}
.cards{max-width:1280px;margin:-86px auto 110px;padding:0 34px;gap:18px}.cards article{position:relative;overflow:hidden;min-height:330px;border:1px solid rgba(9,64,94,.08);border-radius:26px;background:rgba(255,255,255,.97);box-shadow:0 24px 70px rgba(7,26,43,.12);padding:38px 34px 34px}.cards article:before{content:"";position:absolute;left:0;top:0;width:100%;height:4px;background:linear-gradient(90deg,#0879b9,#35c5e8)}.cards article:hover{transform:translateY(-7px);box-shadow:0 32px 90px rgba(7,26,43,.16)}.service-icon{width:68px;height:68px;margin:0 0 22px}.cards h2{text-align:left;font-size:27px;font-weight:650;letter-spacing:-.035em;margin:0 0 14px;color:#0a2a41}.cards p{font-size:16px;line-height:1.72;color:#526975}
/* Interior hero system: editorial, understated, confident. */
.about-hero,.mortgage-hero,.pensions-hero,.investments-hero,.equity-hero,.contact-hero{height:min(62vh,610px);min-height:440px;border-radius:0;align-items:flex-end;justify-content:flex-start;padding:0 clamp(28px,7vw,118px) 72px;isolation:isolate}.about-hero:after,.mortgage-hero:after,.pensions-hero:after,.investments-hero:after,.equity-hero:after,.contact-hero:after{content:"";position:absolute;z-index:0;left:clamp(28px,7vw,118px);bottom:50px;width:72px;height:4px;border-radius:9px;background:#36c5e8}.about-hero:before,.mortgage-hero:before,.pensions-hero:before,.investments-hero:before,.equity-hero:before,.contact-hero:before{background:linear-gradient(90deg,rgba(5,20,33,.78),rgba(5,20,33,.30) 54%,rgba(5,20,33,.05)),linear-gradient(0deg,rgba(5,20,33,.48),transparent 60%)}.about-hero span,.mortgage-hero span,.pensions-hero span,.investments-hero span,.equity-hero span,.contact-hero span{font-size:clamp(46px,6vw,78px);font-weight:620;letter-spacing:-.055em;line-height:.95;max-width:880px;padding:0 0 12px;text-shadow:0 5px 28px rgba(0,0,0,.28)}
.about-main,.mortgage-main,.pensions-main,.investments-main,.equity-main,.contact-main,.cookie-main{max-width:1200px;padding:92px 34px 120px}.about-main>h1,.mortgage-main>h1,.pensions-main>h1,.investments-main>h1,.equity-main>h1,.contact-main>h1,.cookie-main>h1{font-size:clamp(36px,4.3vw,58px);font-weight:620;letter-spacing:-.05em;line-height:1.02;color:#0a2940}.about-main p,.about-main li,.mortgage-main p,.mortgage-main li,.pensions-main p,.pensions-main li,.investments-main p,.investments-main li,.equity-main p,.contact-main p,.cookie-main p{font-size:16px;line-height:1.82;color:#405763}.about-main h3,.mortgage-main h3,.pensions-main h3,.investments-main h3{font-size:23px;font-weight:650;letter-spacing:-.025em;color:#0a3652}.about-rule,.equity-rule{width:76px;height:4px;margin:0 0 42px;background:linear-gradient(90deg,#0879b9,#35c5e8);border-radius:99px}
.promise{background:#eaf6fa;color:#0b5276;border-radius:999px;border:1px solid #d4ebf2;padding:10px 18px;font-size:14px;font-weight:650;letter-spacing:.01em;margin:25px 0 44px}
.about-row,.mortgage-row,.pensions-intro,.investment-row{gap:84px;margin:70px 0 92px;align-items:center}.about-row img,.mortgage-row img,.pensions-intro img,.investment-row img{border-radius:24px;box-shadow:0 30px 80px rgba(7,26,43,.13);aspect-ratio:1.12/1;object-fit:cover}.investment-row.reverse{gap:84px}
.expertise,.personal-service,.pension-personal{overflow:hidden;margin:68px 0;border:1px solid #d9e9ef;border-radius:30px;background:#f2f9fb;box-shadow:none}.expertise div,.personal-service div,.pension-personal div{padding:42px 46px}.expertise h2,.personal-service h2,.pension-personal h2{font-size:34px;font-weight:620;letter-spacing:-.04em;color:#092d46}.expertise>a,.personal-service>a,.pension-personal>a{min-width:245px;background:#082b43;font-size:16px;font-weight:650;padding:36px 32px;transition:.2s}.expertise>a:hover,.personal-service>a:hover,.pension-personal>a:hover{background:#0879b9}
.warning,.risk,.notice{background:#fff9ea;border:1px solid #f1e4bb;border-left:4px solid #d9a62e;border-radius:16px;padding:18px 22px;color:#5d4b22!important;box-shadow:none}.mortgage-main>.warning,.pensions-main>.risk,.investments-main>.risk{margin-bottom:42px}
.pension-steps{gap:14px;margin:48px 0 58px}.pension-steps div{border:1px solid #e0eaee;border-radius:20px;background:#fff;box-shadow:0 14px 42px rgba(7,26,43,.07);padding:28px 22px}.pension-steps b{color:#0b7eb9}
.investment-jump{gap:9px;margin:34px 0 64px}.investment-jump a{font-size:12px;font-weight:650;color:#245066;border:1px solid #d9e8ed;background:#fff;border-radius:999px;padding:9px 14px}.investment-jump a:hover{background:#eaf7fa;color:#0879b9}
.adviser-grid{gap:26px;margin:56px 0}.adviser-card{border:1px solid #e0e9ed;border-radius:26px;box-shadow:0 20px 60px rgba(7,26,43,.08);padding:38px;background:#fff}.adviser-card img{width:160px;height:160px;border:0;box-shadow:0 12px 36px rgba(7,26,43,.12)}.adviser-card h2{font-size:27px;font-weight:650;letter-spacing:-.035em}
.contact-main h2{font-weight:620;letter-spacing:-.025em}.contact-form{border:1px solid #e0eaee;border-radius:26px;padding:38px;background:#fff;box-shadow:0 22px 65px rgba(7,26,43,.08)}.contact-form input,.contact-form textarea{border:1px solid #d7e4e9;border-radius:12px;background:#fbfdfe;padding:16px}.contact-form input:focus,.contact-form textarea:focus{outline:3px solid rgba(53,197,232,.14);border-color:#35aeca}.contact-form button,.map-placeholder a{border-radius:999px;background:#0879b9;color:#fff;padding:12px 27px;font-weight:650}.contact-details{gap:28px;border:1px solid #e0e9ed;border-radius:26px;background:#fff;box-shadow:0 18px 55px rgba(7,26,43,.07);padding:36px}.map-placeholder{height:330px;border:1px solid #dce9ee;border-radius:26px;background:radial-gradient(circle at 30% 20%,#fff,#edf6f8 70%);box-shadow:none}.complaints{border-radius:26px;background:#eef7f9;padding:38px;border:1px solid #dcebef}
.cookie-main{max-width:1040px;min-height:520px}.cookie-main p{max-width:880px}
/* Footer: restrained, premium and highly legible. */
footer{background:#061725;color:#c9d7df;border:0;padding:78px 32px 32px}footer:before{height:1px;background:rgba(255,255,255,.10)}.footgrid{max-width:1200px;grid-template-columns:.85fr 1.35fr .85fr;gap:78px}.footgrid h3{font-size:12px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:#fff;margin-bottom:22px}.footgrid p,.footgrid a{font-size:14px}.footgrid a{color:#61d0ee}.footgrid input,.footgrid textarea{background:#0b2537;border:1px solid rgba(255,255,255,.10);border-radius:11px;padding:14px}.footgrid form button{background:#35bde0;color:#062033;border-radius:999px;padding:11px 24px;font-weight:700}.legal{max-width:1140px;margin-top:58px;padding-top:25px;color:#91a5b1;font-size:11px;border-top:1px solid rgba(255,255,255,.10)}
@media(max-width:1020px){header{height:80px}.logo{width:175px}nav{top:80px}.cards{margin-top:-60px}.about-hero,.mortgage-hero,.pensions-hero,.investments-hero,.equity-hero,.contact-hero{min-height:380px;height:48vw;padding-bottom:52px}.about-hero:after,.mortgage-hero:after,.pensions-hero:after,.investments-hero:after,.equity-hero:after,.contact-hero:after{bottom:34px}.about-row,.mortgage-row,.pensions-intro,.investment-row,.investment-row.reverse{gap:38px}.footgrid{gap:38px}}
@media(max-width:800px){.hero{height:420px;min-height:0}.cards{grid-template-columns:1fr;margin:-42px auto 70px}.cards article{min-height:0}.about-main,.mortgage-main,.pensions-main,.investments-main,.equity-main,.contact-main,.cookie-main{padding:60px 22px 80px}.about-hero,.mortgage-hero,.pensions-hero,.investments-hero,.equity-hero,.contact-hero{height:340px;min-height:340px;padding:0 24px 45px}.about-hero span,.mortgage-hero span,.pensions-hero span,.investments-hero span,.equity-hero span,.contact-hero span{font-size:44px}.about-hero:after,.mortgage-hero:after,.pensions-hero:after,.investments-hero:after,.equity-hero:after,.contact-hero:after{left:24px}.footgrid{grid-template-columns:1fr;gap:42px}.expertise div,.personal-service div,.pension-personal div{padding:30px}.expertise>a,.personal-service>a,.pension-personal>a{min-width:0}.service-icon{margin-left:0}}
@media(max-width:560px){.top{min-height:34px}.top a{font-size:10px}.top .phone{min-height:34px;font-size:11px;padding:0 10px}header{height:72px}.logo{width:155px}nav{top:72px}.hero{height:300px}.cards{padding:0 16px;margin-top:-28px}.cards article{border-radius:20px;padding:28px 24px}.about-hero,.mortgage-hero,.pensions-hero,.investments-hero,.equity-hero,.contact-hero{height:280px;min-height:280px;padding:0 20px 38px}.about-hero span,.mortgage-hero span,.pensions-hero span,.investments-hero span,.equity-hero span,.contact-hero span{font-size:36px}.about-hero:after,.mortgage-hero:after,.pensions-hero:after,.investments-hero:after,.equity-hero:after,.contact-hero:after{left:20px;bottom:26px;width:52px}.about-main,.mortgage-main,.pensions-main,.investments-main,.equity-main,.contact-main,.cookie-main{padding:46px 18px 66px}.about-main>h1,.mortgage-main>h1,.pensions-main>h1,.investments-main>h1,.equity-main>h1,.contact-main>h1,.cookie-main>h1{font-size:34px}.contact-form,.contact-details,.complaints,.adviser-card{padding:22px;border-radius:20px}footer{padding:58px 20px 28px}}

/* Home hero: preserve the complete team photograph on every screen size.
   The image keeps its original 2067:517 aspect ratio, so nobody is cropped. */
.hero{
  width:100%;
  height:auto;
  min-height:0;
  aspect-ratio:2067 / 517;
  background:#071a2b;
}
.hero img{
  width:100%;
  height:100%;
  display:block;
  object-fit:contain;
  object-position:center center;
  transform:none;
}
@media(max-width:800px){
  .hero{height:auto;min-height:0;aspect-ratio:2067 / 517;}
  .hero img{height:100%;object-fit:contain;object-position:center center;}
}
@media(max-width:560px){
  .hero{height:auto;min-height:0;aspect-ratio:2067 / 517;}
}

/* Google reCAPTCHA checkbox on enquiry forms */
.captcha-wrap{clear:both;display:flex;justify-content:flex-start;margin:18px 0 14px;max-width:100%;overflow-x:auto}
.contact-form .captcha-wrap{margin-top:20px}
.captcha-wrap .g-recaptcha{flex-shrink:0}