:root{--ink:#282724;--muted:#67645e;--paper:#faf9f6;--sand:#dbd4c3;--line:#d8d4cb;--accent:#655e4d}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.65 Arial,Helvetica,sans-serif}a{color:inherit;text-underline-offset:5px}button,input,select{font:inherit}a:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #997324;outline-offset:5px}.skip{position:absolute;top:-80px;background:white;padding:12px;z-index:20}.skip:focus{top:0}.wrap{max-width:1240px;margin:auto;padding-left:48px;padding-right:48px}header{max-width:1440px;margin:auto;height:110px;display:flex;align-items:center;justify-content:space-between;padding:0 48px;gap:25px}header nav{display:flex;gap:30px;font-size:14px}nav a{text-decoration:none}.brand{display:flex;gap:12px;align-items:center;text-decoration:none;font-size:21px;font-weight:600;letter-spacing:-.7px}.brand img{width:65px;height:65px;object-fit:contain}.brand small{display:block;letter-spacing:3px;font-size:10px;font-weight:400}.brand-two{font-family:Georgia,serif;font-style:italic}.button{display:inline-flex;align-items:center;justify-content:space-between;gap:35px;padding:17px 25px;background:var(--ink);color:white;text-decoration:none;font-size:15px;font-weight:600;border:1px solid var(--ink);border-radius:3px;transition:transform .2s,background .2s}.button:hover{background:#48453e;transform:translateY(-2px)}.button span{font-size:22px;font-weight:400;line-height:1}.button.small{font-size:14px;padding:12px 18px;gap:22px}.hero{display:grid;grid-template-columns:1.12fr 1fr;gap:52px;padding-top:32px;padding-bottom:70px;align-items:center}.eyebrow{font-size:11px;font-weight:700;letter-spacing:1.9px;margin:0 0 26px}.hero h1{font-size:clamp(48px,5.6vw,78px);line-height:1.06;letter-spacing:-3.7px;font-weight:500;margin:0 0 26px}em{font-family:Georgia,'Times New Roman',serif;font-weight:400;color:var(--accent)}.lead{font-size:18px;line-height:1.7;max-width:440px;color:var(--muted);margin:0 0 28px}.hero-note{font-size:12px;color:var(--muted);margin:13px 0 30px}.signature{font-size:13px;line-height:1.6;display:flex;gap:16px;align-items:center}.signature strong{font-size:16px}.signature small{font-size:11px}.signature-line{width:32px;height:1px;background:var(--ink)}.hero-image{height:650px;position:relative;overflow:hidden;border-radius:160px 4px 4px 4px;background:var(--sand)}.hero-image>img{width:100%;height:100%;object-fit:cover;object-position:50% 31%}.photo-note{position:absolute;bottom:27px;left:27px;background:rgba(250,249,246,.93);padding:17px 24px;border-left:2px solid #88806d;font-size:14px}.photo-note strong{display:block}.topic-strip{background:var(--sand);padding:24px 0}.topic-strip .wrap{display:flex;justify-content:space-between;gap:25px}.topic-strip span{font-size:12px;color:#615b4d}.topic-strip a{font-size:15px;color:var(--ink);text-decoration:none;margin-left:16px}.section{padding-top:100px;padding-bottom:100px}.section-heading{max-width:710px;margin-bottom:45px}.section-heading .eyebrow{margin-bottom:18px}h2{font-size:clamp(36px,4vw,54px);font-weight:500;letter-spacing:-1.7px;line-height:1.15;margin:0 0 24px}.section-heading>p:last-child{color:var(--muted);max-width:630px;font-size:17px}h3{font-weight:500;line-height:1.25;letter-spacing:-.5px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.cards article{border:1px solid var(--line);padding:30px;background:#fff}.card-num{font-size:11px;letter-spacing:1.4px;color:var(--muted);font-weight:700}.cards h3{font-size:25px;margin:29px 0 20px}.cards p{color:var(--muted);font-size:15px}.section-bottom{display:flex;justify-content:space-between;gap:35px;align-items:center;margin-top:30px}.section-bottom p{max-width:640px;font-size:12px;color:var(--muted)}.text-link{white-space:nowrap;font-size:14px;font-weight:600}.health{background:#efede7}.comparison{display:grid;grid-template-columns:1fr 1fr;gap:24px}.comparison article{padding:38px 42px;background:#faf9f6;border:1px solid #ddd8cd}.comparison article.pkv{background:var(--sand);border-color:#bfb7a6}.pill{font-size:10px;font-weight:700;letter-spacing:1.4px;border:1px solid currentColor;padding:6px 9px;display:inline-block}.comparison h3{font-size:54px;letter-spacing:-2px;margin:23px 0 0}.compare-sub{margin-top:0;color:var(--muted)}dl{margin:30px 0 0}dt{font-size:15px;font-weight:700;margin-top:22px}dd{margin:7px 0 0;color:#5b584f;font-size:15px;line-height:1.6}.health-note{margin:34px 0 20px;max-width:850px}.health-note p{color:var(--muted);font-size:15px}.sources{font-size:12px;color:var(--muted);margin-top:25px}.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:35px;margin-top:50px}.pillars article{border-top:1px solid var(--line);padding-top:20px}.pillars article>span{font-size:13px;color:var(--muted)}.pillars h3{font-size:28px;margin:14px 0}.pillars p{font-size:15px;color:var(--muted)}.fine{font-size:12px;line-height:1.65;color:var(--muted)}.calculator{display:grid;grid-template-columns:1.15fr 1fr;margin-top:65px;border:1px solid var(--line);border-radius:5px;overflow:hidden}.calc-form{padding:42px;background:white}.calc-form h3{font-size:33px;margin:0 0 20px}.calc-form>p:not(.eyebrow){font-size:14px;color:var(--muted)}.fields{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:26px}label{display:block;font-size:13px;font-weight:600}input:not([type=checkbox]),select{width:100%;padding:11px 13px;border:1px solid #cfcac0;background:#faf9f6;border-radius:3px;color:var(--ink);margin:7px 0 0;min-height:48px;font-size:16px}input[type=checkbox]{width:19px;height:19px;accent-color:var(--ink)}label small{font-size:11px;display:block;font-weight:400;color:var(--muted);margin-top:6px}.wide{grid-column:1/-1}.check{display:flex;align-items:center;gap:10px;margin:25px 0 14px}.calc-result{padding:45px 38px;background:var(--ink);color:var(--paper)}.calc-result .pill{color:#dbd4c3}.result-label{font-size:15px;margin-top:50px}.gap{font-size:clamp(44px,5vw,65px);font-weight:400;letter-spacing:-2px;line-height:1.2}#basis{margin-top:7px;color:#c5bfb2;font-size:13px}.bar{height:13px;background:#726759;border-radius:2px;margin:35px 0 23px;overflow:hidden}.bar span{height:100%;display:block;background:#dcd6c7;transition:width .3s}.legend{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid #535049;padding:13px 0;font-size:13px}.legend strong{white-space:nowrap}.coverage{color:#e0d6bb;font-size:17px;margin:25px 0 10px}.calc-result .fine{color:#c5bfb2}.button.light{background:var(--sand);color:var(--ink);border-color:var(--sand);font-size:14px;display:flex;gap:15px;margin-top:30px}.calc-result details{border-top:1px solid #535049;margin-top:25px;padding-top:20px;font-size:12px;color:#d4cfc3}summary{cursor:pointer;font-size:14px}#error{color:#fff;background:#784b40;padding:15px}.scenario label+label{margin-top:18px}.contact{background:var(--sand);padding:75px 0}.contact-grid{display:grid;grid-template-columns:1.5fr 1fr;gap:80px}.contact p{color:#5d584e}.contact-info{border-left:1px solid #b7af9d;padding-left:45px}.contact-info h3{font-size:26px;margin-top:0}.contact-info>a{display:block;font-size:15px;margin:12px 0}.contact-info .whatsapp{border-top:1px solid #b7af9d;padding-top:20px;text-decoration:none}.whatsapp strong{font-size:25px;display:block;margin-top:4px}.contact .button{margin-top:15px}.footer-row{display:flex;justify-content:space-between;gap:20px;font-size:12px;padding:28px 0}footer details{padding:10px 0 30px;font-size:12px;color:var(--muted)}[hidden]{display:none!important}@media(min-width:1500px){header{max-width:1240px}}@media(max-width:1050px){header nav{gap:16px}header{padding:0 25px}.brand>span{display:none}.wrap{padding-left:30px;padding-right:30px}.hero{gap:30px}.hero-image{height:590px}.hero h1{font-size:60px}.cards article{padding:24px}.calculator{grid-template-columns:1.1fr 1fr}.calc-form,.calc-result{padding:30px}.topic-strip a{font-size:13px;margin-left:8px}}@media(max-width:720px){header{height:88px;padding:0 20px;flex-wrap:wrap;gap:10px}header nav{display:none}.brand>span{display:block;font-size:17px}.brand img{width:45px;height:45px}.brand{gap:8px}.brand small{font-size:9px}.button.small{font-size:12px;gap:12px;padding:10px 12px}.wrap{padding-left:22px;padding-right:22px}.hero{grid-template-columns:1fr;gap:28px;padding-top:25px;padding-bottom:35px}.eyebrow{font-size:10px;letter-spacing:1.2px}.hero h1{font-size:59px;letter-spacing:-2.5px}.hero h1 br:last-of-type{display:none}.lead{font-size:16px}.hero-image{height:470px;border-top-left-radius:110px}.hero-image>img{object-position:50% 26%}.signature{font-size:12px}.topic-strip{padding:18px 0}.topic-strip .wrap{display:grid;gap:9px}.topic-strip span{font-size:11px}.topic-strip a{font-size:14px}.section{padding-top:65px;padding-bottom:65px}h2{font-size:39px}.cards,.comparison,.pillars,.calculator,.contact-grid{grid-template-columns:1fr}.cards{gap:14px}.cards h3{margin-top:18px}.section-bottom{display:block}.section-bottom p{margin-bottom:20px}.comparison article{padding:28px}.pillars{gap:16px;margin-top:30px}.calc-form,.calc-result{padding:26px}.calculator{margin-top:35px}.calc-form h3{font-size:29px}.gap{font-size:59px}.result-label{margin-top:30px}.contact{padding:55px 0}.contact-grid{gap:40px}.contact-info{padding:30px 0 0;border-left:0;border-top:1px solid #b7af9d}.footer-row{flex-direction:column;gap:12px}.button{max-width:100%;font-size:14px;gap:20px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
/* A continuous, interactive three-chapter route. */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.topic-strip{position:sticky;top:0;z-index:10;background:rgba(219,212,195,.97);padding:0;box-shadow:0 2px 8px #2827240a}
.topic-strip .roadmap{display:grid;grid-template-columns:repeat(3,1fr);gap:0;align-items:stretch}
.topic-strip a.road-step{display:flex;align-items:center;gap:18px;margin:0;padding:24px 22px;text-decoration:none;border-bottom:3px solid transparent;transition:background .25s,border-color .25s;position:relative}
.road-step+.road-step{border-left:1px solid #bfb7a6}.topic-strip .step-number{font-size:44px;line-height:1;font-weight:400;letter-spacing:-2px;color:#7b7362;transition:color .25s;flex-shrink:0}
.topic-strip .step-text{display:block;color:var(--ink)}.step-text small{display:block;font-size:10px;letter-spacing:1.1px;margin-bottom:4px}.step-text strong{display:block;font-size:16px;font-weight:500;line-height:1.3}.topic-strip .road-step.active{background:#ffffff52;border-bottom-color:var(--ink)}.topic-strip .road-step.active .step-number{color:var(--ink)}.topic-strip .road-step:hover{background:#ffffff75}.road-progress{position:absolute;bottom:0;left:0;width:100%;height:2px;background:transparent}.road-progress>span{display:block;background:#8a7d5e;height:100%;width:0;transition:width .15s linear}
.chapter{display:flex;align-items:center;gap:22px;margin-bottom:24px}.chapter-number{font-size:80px;line-height:1;letter-spacing:-5px;font-family:Georgia,serif;color:#a3987e;flex-shrink:0}.section-heading .chapter .eyebrow{margin:0;border-left:1px solid #bdb4a2;padding:12px 0 12px 20px;font-size:12px;line-height:1.6}
input.slider[type=range]{display:block;width:100%;padding:0;margin:14px 0 4px;min-height:28px;height:28px;border:0;border-radius:0;background:transparent;accent-color:#71644c;cursor:pointer;touch-action:pan-y}.calc-form label{font-size:14px}.slider:focus-visible{outline-offset:3px}.calc-form>p:not(.eyebrow){line-height:1.7}
.whatsapp-contact{border-top:1px solid #b7af9d;padding-top:20px;margin:20px 0}.wa-label{display:flex;gap:10px;align-items:center;font-size:14px}.wa-icon{width:24px;height:24px;flex-shrink:0;vertical-align:middle}.wa-label .wa-icon{color:#167943}.whatsapp-contact>strong{display:block;font-size:25px;margin:8px 0 16px}.contact-info .button.whatsapp{display:flex;align-items:center;background:#166b3a;border-color:#166b3a;color:#fff;padding:14px 17px;gap:12px;font-size:14px;line-height:1.4;text-decoration:none}.contact-info .button.whatsapp:hover{background:#10532c}.button.whatsapp>span{margin-left:auto}.contact-grid{gap:55px;grid-template-columns:1.3fr 1fr}
@media(prefers-reduced-motion:no-preference){.hero-copy{animation:hero-arrive .7s ease-out both}.hero-image{animation:hero-arrive .9s ease-out both}.reveal-ready{opacity:0;transform:translateY(22px);transition:opacity .65s ease,transform .65s ease}.reveal-ready.is-visible{opacity:1;transform:none}.cards article{transition:transform .25s,box-shadow .25s}.cards article:hover{transform:translateY(-5px);box-shadow:0 12px 28px #2827240b}.hero-image>img{transition:transform .8s ease}.hero-image:hover>img{transform:scale(1.025)}@keyframes hero-arrive{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}}
@media(max-width:1050px){.topic-strip a.road-step{gap:12px;padding:20px 14px}.topic-strip .step-number{font-size:38px}.step-text strong{font-size:14px}.step-text small{font-size:9px}.contact-grid{gap:35px}.contact-info{padding-left:28px}}
@media(max-width:720px){html{scroll-padding-top:100px}.topic-strip .roadmap{display:grid;grid-template-columns:repeat(3,1fr);padding:0 10px;gap:0}.topic-strip a.road-step{padding:14px 8px;gap:5px;flex-direction:column;align-items:flex-start}.topic-strip .step-number{font-size:31px;letter-spacing:-1px}.step-text small{display:none}.step-text strong{font-size:12px;line-height:1.3}.topic-strip .step-text{font-size:12px}.chapter{gap:15px;margin-bottom:22px}.chapter-number{font-size:64px;letter-spacing:-4px}.section-heading .chapter .eyebrow{padding-left:15px;font-size:10px}.contact-grid{grid-template-columns:1fr}.contact-info{padding-left:0}.hero-note{max-width:300px;line-height:1.7}}
@media(prefers-reduced-motion:reduce){.reveal-ready{opacity:1;transform:none}}
/* Make the service clear at first glance, with readable line lengths. */
.hero h1{font-size:clamp(40px,4.7vw,65px);letter-spacing:-2.4px;line-height:1.12}
.hero .lead strong{font-weight:600;color:var(--ink)}
@media(max-width:1050px) and (min-width:721px){.hero h1{font-size:clamp(37px,4.6vw,49px);letter-spacing:-1.8px}}
@media(max-width:720px){.hero h1{font-size:clamp(34px,8.7vw,59px);letter-spacing:-1.5px}.hero h1 br:last-of-type{display:initial}.hero .eyebrow{max-width:320px;line-height:1.6}.step-text strong{font-size:12px;overflow-wrap:break-word}}
/* Four clear chapters, with full insurance names. */
header nav{gap:22px}.topic-strip .roadmap{grid-template-columns:repeat(4,minmax(0,1fr))}.topic-strip a.road-step{padding:22px 14px;gap:12px}.topic-strip .step-number{font-size:38px}.step-text strong{font-size:14px;hyphens:manual}.step-text small{font-size:9px;letter-spacing:.9px}.step-text{min-width:0}
.comparison{align-items:start}.comparison h3{font-size:clamp(25px,2.7vw,35px);line-height:1.2;letter-spacing:-.8px;overflow-wrap:break-word;hyphens:auto}.comparison article.gkv{background:#fff;border:1px solid #d2cabb;border-top:5px solid #b3a58a}.comparison article.pkv{background:#283b3a;border:1px solid #283b3a;border-top:5px solid #a9bcb3;color:#fff}.comparison article.pkv .compare-sub,.comparison article.pkv dd{color:#e0e8e4}.comparison article.pkv .pill{color:#e5e2d4}.comparison article.pkv dt{color:#fff}.private-highlights{margin:25px 0 30px;padding:22px 0;border-top:1px solid #778b82;border-bottom:1px solid #778b82}.private-highlights h4{font-size:17px;font-weight:500;margin:0 0 20px}.private-highlights ul{list-style:none;margin:0;padding:0}.private-highlights li{position:relative;padding-left:27px;margin:0 0 17px}.private-highlights li:before{content:'✓';position:absolute;left:0;top:0;color:#cfe0d4;font-size:18px}.private-highlights li strong{font-size:15px;display:block}.private-highlights li span{display:block;color:#e0e8e4;font-size:14px;margin-top:4px;line-height:1.5}.private-highlights>p{font-size:12px;color:#d5ddd7;margin-bottom:0}.comparison article.pkv dl{margin-top:0}
.benefits{background:#eeebe4}.benefits .section-heading{max-width:770px}.benefit-builder{display:grid;grid-template-columns:1.6fr 1fr;gap:28px;align-items:start}.benefit-options{border:0;margin:0;padding:0;min-width:0}.benefit-options legend{font-size:23px;letter-spacing:-.5px;padding:0;line-height:1.3}.builder-hint{font-size:14px;color:var(--muted);margin:12px 0 24px}.benefit-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.benefit-card{position:relative;background:#faf9f6;border:1px solid #cfc6b5;display:flex;flex-direction:column;padding:26px 22px;cursor:pointer;transition:border-color .2s,background .2s,box-shadow .2s;font-weight:400}.benefit-card:hover{border-color:#766b56}.benefit-card:has(input:checked){background:#fff;border:2px solid #665c48;padding:25px 21px;box-shadow:0 6px 16px #5049380c}.benefit-card:has(input:focus-visible){outline:3px solid #997324;outline-offset:4px}.benefit-card input{position:absolute;top:22px;right:18px;width:21px;height:21px;cursor:pointer}.benefit-kicker{font-size:10px;letter-spacing:1.1px;padding-right:25px;color:var(--muted);margin-bottom:22px;font-weight:600}.benefit-title{display:block;font-size:22px;line-height:1.2;letter-spacing:-.4px;margin-bottom:16px;overflow-wrap:break-word;hyphens:auto}.benefit-copy{font-size:14px;line-height:1.65;color:#565249}.benefit-detail{font-size:12px;line-height:1.65;color:#676155;margin:14px 0 20px}.benefit-toggle{margin-top:auto;font-size:13px;border-top:1px solid #d5cdbd;padding-top:15px;font-weight:600}.benefit-card:has(input:checked) .benefit-toggle{color:#355a43}.benefit-summary{background:var(--sand);padding:32px 27px;margin-top:0;position:sticky;top:130px;min-width:0}.benefit-summary h3{font-size:29px;line-height:1.25;margin:0 0 25px}.benefit-summary .eyebrow{font-size:10px}.benefit-summary>p:not(.eyebrow):not(.fine){font-size:14px;color:#5f5849}.benefit-summary .button{font-size:14px;gap:12px;padding:15px 17px;display:flex;margin-top:25px}.benefit-summary .fine{font-size:12px;margin-bottom:0}#benefit-count{font-size:14px;font-weight:600}#benefit-empty{font-size:14px;color:#615a4e}#benefit-list{list-style:none;padding:0;margin:16px 0 25px}#benefit-list li{border-top:1px solid #bdb49f;padding:12px 0;font-size:14px}#benefit-list li:before{content:'✓';margin-right:8px}.benefit-footnote{margin-top:28px}.benefit-sources{font-size:12px;color:var(--muted);margin-top:15px}
@media(max-width:1050px){header nav{gap:15px;font-size:13px}.topic-strip a.road-step{padding:18px 10px;gap:8px}.topic-strip .step-number{font-size:32px}.step-text strong{font-size:13px}.step-text small{font-size:9px;letter-spacing:0}.benefit-builder{grid-template-columns:1.45fr 1fr;gap:20px}.benefit-grid{grid-template-columns:1fr}.benefit-summary{padding:28px 22px}.benefit-summary h3{font-size:26px}}
@media(max-width:720px){.topic-strip .roadmap{grid-template-columns:repeat(4,minmax(0,1fr));padding:0 6px}.topic-strip a.road-step{padding:12px 6px;gap:6px}.topic-strip .step-number{font-size:29px}.step-text strong{font-size:12px;font-weight:500;line-height:1.35;overflow-wrap:anywhere}.comparison h3{font-size:30px}.benefit-builder{grid-template-columns:1fr;gap:25px}.benefit-grid{grid-template-columns:1fr}.benefit-summary{position:static;padding:28px}.benefit-card{padding:27px}.benefit-card:has(input:checked){padding:26px}.benefit-title{font-size:25px}.benefit-options legend{font-size:23px}.benefit-card input{right:22px}.benefit-summary .button{font-size:14px}.health-note .button{font-size:13px;padding:15px 17px;gap:12px}}
/* A connected route makes the advisory process visible. */
.business-route{background:#eeebe3;border:1px solid #d9d2c3;border-radius:5px;padding:34px 32px 24px;overflow:hidden}.route-intro{text-align:center;font:italic 27px/1.3 Georgia,serif;color:#655d4b;margin:0 0 35px}.route-stations{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));list-style:none;padding:0;margin:0;position:relative;gap:32px}.route-stations:before{content:'';position:absolute;height:2px;background:#ada18a;top:48px;left:16.6%;right:16.6%}.route-stations li{position:relative;min-width:0;text-align:center}.route-node{position:relative;display:grid;place-items:center;border:1px solid #8f826a;border-radius:50%;height:98px;width:98px;margin:0 auto 26px;background:#282724;color:#f1ece0;box-shadow:0 0 0 9px #eeebe3}.route-node svg{width:38px;height:38px}.route-stations li:nth-child(2) .route-node{background:#bdb29b;color:#282724}.route-stations li:nth-child(3) .route-node{background:#faf9f6;color:#655d4b}.route-kicker{font-size:11px;letter-spacing:1.5px;color:#6b6252}.route-copy h3{font-size:24px;margin:13px 0 15px;line-height:1.2}.route-copy p{font-size:15px;line-height:1.7;color:#625c50;margin:0}.route-outcome{text-align:center;border-top:1px solid #d2c8b5;padding-top:20px;margin:27px 0 0;font-size:12px;letter-spacing:.3px;color:#6b6252}
/* Equal structural weight for both health-insurance systems. */
.comparison{align-items:stretch}.comparison article{display:flex;flex-direction:column}.comparison dl{display:grid;grid-template-rows:auto auto auto auto;gap:0}.comparison article.pkv dl{margin-top:30px}.comparison dt{border-top:1px solid #d9d4c9;padding-top:18px;margin-top:18px}.comparison article.pkv dt{border-color:#657a70}.comparison dt:first-child{margin-top:0}.comparison dd{margin-bottom:0}
/* A schematic three-pillar diagram, with live, accessible labels. */
.pension-pillars{margin:42px 0 28px;padding:25px 35px 0}.pension-pillars figcaption{text-align:center;font:italic 25px/1.4 Georgia,serif;color:#655d4b;margin-bottom:27px}.pillar-columns{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:55px;max-width:800px;margin:auto;padding:0 15px}.pension-column{display:flex;flex-direction:column;align-items:center}.column-cap{height:13px;width:100%;background:#a89b80;border-top:3px solid #81745c;border-radius:2px}.column-shaft{width:84%;height:128px;background:#eee9df;border-left:1px solid #c4b99f;border-right:1px solid #c4b99f;display:flex;flex-direction:column;align-items:center;padding:17px 12px 0}.column-shaft strong{font-size:19px;font-weight:500;line-height:1.3}.column-flutes{flex:1;width:70%;margin-top:15px;background:repeating-linear-gradient(90deg,transparent 0,transparent calc(25% - 1px),#cfc4ae calc(25% - 1px),#cfc4ae 25%)}.column-foot{height:15px;background:#a89b80;width:100%;border-bottom:3px solid #81745c;border-radius:2px}.column-foundation{height:12px;border-top:2px solid #b8ad96;background:#ddd4c1;max-width:870px;margin:auto}.pillar-descriptions{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:35px}.pillar-descriptions h3{font-size:24px;margin:8px 0 12px}.pillar-descriptions p{font-size:15px;color:var(--muted);margin-top:0}.pillar-descriptions article{min-width:0}
@media(prefers-reduced-motion:no-preference){.route-node{transition:transform .3s,box-shadow .3s}.route-stations li:hover .route-node{transform:translateY(-4px);box-shadow:0 0 0 9px #eeebe3,0 10px 18px #66573922}}
@media(max-width:1050px){.business-route{padding:30px 23px 22px}.route-stations{gap:22px}.route-copy h3{font-size:22px}.pillar-columns{gap:35px}.column-shaft strong{font-size:17px}}
@media(max-width:720px){.business-route{padding:27px 20px 22px}.route-intro{text-align:left;font-size:25px;max-width:250px}.route-stations{grid-template-columns:1fr;gap:30px}.route-stations:before{width:2px;height:auto;top:34px;bottom:34px;left:34px;right:auto}.route-stations li{display:grid;grid-template-columns:70px minmax(0,1fr);gap:18px;text-align:left}.route-node{width:70px;height:70px;box-shadow:0 0 0 6px #eeebe3;margin:0}.route-node svg{width:29px;height:29px}.route-copy h3{font-size:23px;margin:7px 0 11px}.route-copy p{font-size:14px}.route-kicker{font-size:10px}.route-outcome{text-align:left;font-size:12px}.pension-pillars{margin:30px 0 25px;padding:15px 0 0}.pension-pillars figcaption{font-size:22px}.pillar-columns{gap:14px;padding:0 6px}.column-shaft{height:108px;width:86%;padding:14px 2px 0}.column-shaft strong{font-size:14px;letter-spacing:-.3px}.column-cap{height:10px}.column-foot{height:12px}.column-foundation{height:9px}.pillar-descriptions{grid-template-columns:1fr;gap:14px}.pillar-descriptions article{border-bottom:1px solid var(--line);padding:0 0 12px}.pillar-descriptions h3{font-size:21px}.pillar-descriptions p{font-size:15px}}
/* A single, recognisable consultation CTA across all four chapters. */
.button.advice-cta{display:inline-flex;align-items:center;justify-content:space-between;gap:22px;background:#cda660;border:1px solid #ad843d;color:#25221c;border-radius:7px;padding:17px 22px;font-size:15px;font-weight:700;line-height:1.45;box-shadow:0 5px 0 #8e713a24;white-space:normal;text-decoration:none;min-height:60px;max-width:100%}.button.advice-cta>span{display:grid;place-items:center;width:29px;height:29px;flex:0 0 29px;border:1px solid #6d522c66;border-radius:50%;font-size:20px;line-height:1}.button.advice-cta:hover{background:#dfbb7b;border-color:#987339;color:#25221c;box-shadow:0 7px 0 #8e713a24;transform:translateY(-2px)}.button.advice-cta:focus-visible{outline:3px solid #282724;outline-offset:5px}.calc-result .button.advice-cta:focus-visible{outline-color:#f1ece6}.section-bottom .advice-cta{flex-shrink:0}.calc-result .advice-cta,.benefit-summary .advice-cta{display:flex;width:100%;margin-top:28px}
/* Three contemporary supports on one shared foundation. */
.retirement-model{margin:42px 0 28px}.retirement-model-intro{font-size:25px;letter-spacing:-.6px;margin:0 0 24px}.retirement-model-intro em{font-size:29px}.retirement-supports{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;padding:0 14px}.retirement-support{position:relative;background:#f0ece3;border:1px solid #cec5b3;border-top:5px solid #b3a486;border-bottom:0;border-radius:12px 12px 0 0;padding:30px 27px 33px;min-width:0;display:flex;flex-direction:column}.retirement-support:nth-child(2){background:#ddd4c1;border-color:#b9a889;border-top-color:#9c8251}.retirement-support:nth-child(3){background:#343e37;border-color:#343e37;border-top-color:#b4bea9;color:#fff}.support-kicker{font-size:10px;font-weight:600;letter-spacing:1.4px;color:#6b6251;line-height:1.5}.retirement-support:nth-child(3) .support-kicker{color:#dce1d6}.retirement-support h3{font-size:32px;letter-spacing:-.8px;margin:20px 0}.support-rule{height:1px;background:#b9ae984d;width:100%;margin-bottom:21px}.retirement-support:nth-child(3) .support-rule{background:#c4cebd55}.retirement-support p{font-size:15px;color:#5f594d;line-height:1.7;margin:0}.retirement-support:nth-child(3) p{color:#e1e5dd}.retirement-base{display:flex;align-items:center;justify-content:center;gap:24px;background:#282724;color:#f1ece0;padding:20px 24px;border-radius:5px;position:relative}.retirement-base strong{font-size:15px;font-weight:500;text-align:center;line-height:1.5}.base-line{height:1px;width:45px;background:#a89b7c}
@media(max-width:1050px){.retirement-supports{gap:14px;padding:0 10px}.retirement-support{padding:25px 20px}.retirement-support h3{font-size:28px}.section-bottom{gap:22px}.section-bottom .advice-cta{font-size:14px;padding:15px 18px;gap:15px}}
@media(max-width:720px){.button.advice-cta{font-size:14px;padding:15px 18px;gap:16px;min-height:58px}.section-bottom .advice-cta,.health-note .advice-cta{display:flex;width:100%}.retirement-model{margin-top:30px}.retirement-model-intro{font-size:23px}.retirement-model-intro em{font-size:25px}.retirement-supports{grid-template-columns:1fr;gap:12px;padding:0 12px;border-left:2px solid #c8bca4;border-right:2px solid #c8bca4;margin:0 8px}.retirement-support{border-bottom:1px solid #cec5b3;border-radius:8px;padding:23px}.retirement-support:last-child{border-radius:8px 8px 0 0;border-bottom:0}.retirement-support h3{font-size:28px;margin:10px 0 15px}.support-rule{margin-bottom:15px}.retirement-base{padding:18px 16px;gap:12px}.retirement-base strong{font-size:14px}.base-line{width:17px;flex-shrink:0}}
/* Small-screen and touch refinements. */
html{scroll-padding-top:var(--road-offset,130px)}.fields>label,.fields>.wide,.calc-form,.calc-result{min-width:0}input,select{max-width:100%}summary{min-height:44px;padding-top:10px;padding-bottom:10px}.contact-info>a:not(.button){min-height:44px;display:flex;align-items:center}.slider[type=range]{touch-action:pan-y}img{max-width:100%}
@media(max-width:720px){input.slider[type=range]{min-height:44px;height:44px}.hero-note{font-size:13px}.hero .signature{font-size:14px}.retirement-support p,.route-copy p,.benefit-copy{font-size:16px}.button.advice-cta{min-height:60px}.footer-row a{display:inline-flex;align-items:center;min-height:44px}.benefit-card input{width:25px;height:25px}.contact-info a{overflow-wrap:anywhere}}
@media(max-width:380px){header .brand>span{display:none}header{flex-wrap:nowrap}.calc-form,.calc-result{padding:22px}.fields{gap:14px}.hero h1{font-size:34px}.section-heading h2{font-size:34px}.topic-strip .step-text strong{font-size:12px}}
/* A compact personal introduction, grounded in the agency's approach. */
.personal-intro-link{display:inline-block;margin-top:9px;font-size:13px;font-weight:600;min-height:36px}.personal-section{border-top:1px solid #ded8cb;background:#f2eee6;padding:65px 0 70px}.personal-grid{display:grid;grid-template-columns:1fr 1fr;gap:75px;align-items:start}.personal-story h2{font-size:43px;line-height:1.15;margin-bottom:23px}.personal-story>p:not(.eyebrow){font-size:16px;line-height:1.75;color:#625d52;max-width:480px}.personal-byline{display:flex;align-items:center;gap:16px;margin-top:25px}.personal-byline img{width:64px;height:64px;object-fit:contain}.personal-byline strong{display:block;font-size:17px}.personal-byline span{display:block;font-size:12px;color:#676052;margin-top:3px}.personal-reasons{border-left:1px solid #cfc5b3;padding-left:40px}.personal-reasons .eyebrow{font-size:10px;line-height:1.7;margin-bottom:24px}.personal-reasons article{margin-bottom:23px}.personal-reasons h3{font-size:21px;margin:0 0 8px;line-height:1.3}.personal-reasons article p{font-size:15px;line-height:1.7;color:#625d52;margin:0}.personal-reasons .advice-cta{margin-top:3px;font-size:14px}
@media(max-width:1050px){.personal-grid{gap:35px}.personal-reasons{padding-left:28px}.personal-story h2{font-size:37px}}
@media(max-width:720px){.personal-section{padding:45px 0}.personal-grid{grid-template-columns:1fr;gap:30px}.personal-story h2{font-size:37px}.personal-reasons{border-left:0;border-top:1px solid #cfc5b3;padding:27px 0 0}.personal-reasons article p{font-size:16px}.personal-reasons .advice-cta{display:flex;width:100%}.personal-byline span{font-size:13px}.personal-intro-link{font-size:14px;min-height:44px}}
.experience-line{border-left:3px solid #a88950;padding:4px 0 4px 16px;margin:0 0 24px}.experience-line strong{display:block;color:#373228;font-size:17px}.experience-line span{display:block;font-size:14px;margin-top:5px}.route-intro{margin-bottom:10px}.route-instruction{text-align:center;font-size:14px;color:#655d4d;margin:0 0 32px}.route-details{height:auto}.route-details>summary{list-style:none;padding:0;cursor:pointer;min-height:44px;display:block;border-radius:5px}.route-details>summary::-webkit-details-marker{display:none}.route-details>summary:focus-visible{outline:3px solid #997324;outline-offset:8px}.route-copy{display:block}.route-title{display:block;font-size:24px;margin:13px 0 15px;line-height:1.2;font-weight:500;letter-spacing:-.5px}.route-teaser{display:block;font-size:15px;line-height:1.7;color:#625c50}.route-action{display:flex;align-items:center;justify-content:center;gap:10px;font-size:13px;font-weight:600;margin-top:18px;color:#55472e}.route-plus{display:grid;place-items:center;border:1px solid #a69779;border-radius:50%;width:25px;height:25px;font-size:20px;font-weight:400;line-height:1}.route-less{display:none}.route-details[open] .route-more{display:none}.route-details[open] .route-less{display:inline}.route-details[open] .route-plus{transform:rotate(45deg)}.route-details[open] .route-node{outline:3px solid #a88950;outline-offset:4px}.route-expanded{background:#faf9f6;border:1px solid #d0c4ad;border-radius:6px;margin-top:22px;padding:22px 20px;text-align:left}.route-expanded h4{font-size:17px;line-height:1.4;font-weight:600;margin:0 0 15px}.route-expanded ul{padding-left:19px;margin:0 0 18px}.route-stations .route-expanded li{display:list-item;font-size:14px;line-height:1.6;text-align:left;color:#625c50;margin:9px 0}.route-expanded p{font-size:14px;line-height:1.65;color:#625c50;margin:0;border-top:1px solid #d7ccba;padding-top:15px}.route-expanded strong{color:#373228}
@media(max-width:1050px){.route-title{font-size:22px}.route-expanded{padding:19px 16px}}
@media(max-width:720px){.route-instruction{text-align:left;line-height:1.6}.route-stations>li{display:block}.route-details>summary{display:grid;grid-template-columns:70px minmax(0,1fr);gap:18px}.route-title{font-size:23px;margin:7px 0 11px}.route-teaser{font-size:14px}.route-action{justify-content:flex-start;min-height:44px;margin-top:10px}.route-expanded{margin-left:88px;padding:18px 15px}.route-expanded h4{font-size:16px}.route-stations .route-expanded li{font-size:14px}.experience-line span{font-size:15px}}
@media(max-width:380px){.route-expanded{margin-left:0}}
/* A visible but secondary way to contact the team. */
.header-actions{display:flex;align-items:center;gap:18px;flex-shrink:0}.header-whatsapp{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:5px 0;color:#24683d;font-size:14px;font-weight:600;text-decoration:none;white-space:nowrap}.header-whatsapp .wa-icon{width:22px;height:22px}.header-whatsapp:hover{text-decoration:underline;text-underline-offset:5px}.header-whatsapp:focus-visible{outline:3px solid #997324;outline-offset:4px;border-radius:3px}header nav{gap:18px}
@media(min-width:1060px) and (max-width:1280px){header .brand>span{display:none}}
@media(max-width:1059px) and (min-width:721px){header nav{gap:12px;font-size:12px}.header-actions{gap:12px}.header-whatsapp{font-size:13px}header{gap:16px}}
@media(max-width:850px) and (min-width:721px){header nav{display:none}header .brand>span{display:block}}
@media(max-width:720px){header{height:88px;flex-wrap:nowrap;gap:12px}header .brand>span{display:none}header .brand img{width:52px;height:52px}.header-actions{gap:14px}.header-whatsapp{font-size:13px;gap:6px}.header-actions .button.small{padding:11px 12px;min-height:44px;gap:9px}.header-whatsapp .wa-icon{width:21px;height:21px}}
@media(max-width:360px){header{padding:0 15px}.header-actions{gap:11px}header .brand img{width:44px;height:44px}.header-whatsapp{font-size:12px}.header-actions .button.small{font-size:12px}}