:root {
  --af-bg:#142b21;
  --af-surface:#2d5a47;
  --af-surface-dk:#1d3d2f;
  --af-gold:#d4a96a;
  --af-gold-lt:#e0bf8a;
  --af-gold-pale:#f5e8d0;
  --af-cream:#faf7f0;
  --af-white:#fffef9;
  --af-font-heading:'Aptos Display',Calibri,Georgia,serif;
  --af-font-body:Aptos,Calibri,'Helvetica Neue',Arial,sans-serif;
  --text:#1d3d2f;
  --muted:#54665c;
  --line:#d9e0d8;
  --soft:#f4f6f1;
  --warm:#f8f7f2;
  --gold-text:#8a632f;
  --ease:cubic-bezier(.16,1,.3,1);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--af-white);color:var(--text);font:400 1rem/1.6 var(--af-font-body);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:inherit}
button,input,textarea,select{font:inherit}
button{cursor:pointer}
h1,h2,h3,p{margin-top:0}
h1,h2,h3{font-family:var(--af-font-heading);font-weight:700;line-height:1.12;letter-spacing:-.025em;color:var(--text)}
h1{font-size:clamp(2.7rem,5.6vw,5.5rem)}
h2{font-size:clamp(2.1rem,3.4vw,3.5rem)}
h3{font-size:1.4rem}
p{line-height:1.65}
:focus-visible{outline:3px solid var(--af-gold);outline-offset:3px}
[hidden]{display:none!important}
.wrap{width:min(1180px,calc(100% - 52px));margin-inline:auto}
.skip{position:absolute;left:-9999px;top:10px;z-index:60;padding:10px;background:white}
.skip:focus{left:10px}
.eyebrow{display:block;font-size:.82rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text);margin-bottom:18px}
.accent-line{width:69px;height:3px;border-radius:3px;background:var(--af-gold);margin:26px 0 27px}
.button{display:inline-flex;align-items:center;justify-content:space-between;gap:18px;min-height:48px;border:1px solid var(--af-surface-dk);border-radius:8px;padding:12px 18px;text-decoration:none;font-size:.94rem;font-weight:700;line-height:1.3;transition:transform .24s var(--ease),box-shadow .24s var(--ease),background .24s var(--ease)}
.button span{font-size:1.08rem;font-weight:400}
.button.primary{background:var(--af-surface-dk);color:white;box-shadow:0 3px 10px #1d3d2f1d,0 12px 28px #1d3d2f0c}
.button.primary:hover{background:var(--af-surface);transform:translateY(-2px);box-shadow:0 7px 18px #1d3d2f24,0 20px 35px #1d3d2f0f}
.button.secondary{background:var(--af-white);color:var(--text)}
.button.secondary:hover{background:var(--soft);transform:translateY(-2px)}
.text-link{display:inline-flex;align-items:center;gap:10px;color:var(--text);text-decoration:none;border-bottom:1px solid var(--af-gold);font-weight:700;font-size:.95rem;padding-bottom:2px;transition:gap .24s var(--ease)}
.text-link:hover{gap:16px}

.header{position:sticky;top:0;z-index:30;background:rgba(255,254,249,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(14px)}
.header-inner{min-height:82px;display:flex;align-items:center;gap:28px}
.brand{display:inline-flex;align-items:center;gap:11px;color:var(--text);text-decoration:none;white-space:nowrap}
.brand img{object-fit:contain;mix-blend-mode:multiply}
.brand span{font-family:Georgia,serif;font-weight:700;line-height:1.08;letter-spacing:.12em;font-size:1.08rem}
.brand small{display:block;margin-top:4px;font-size:.72rem;letter-spacing:.33em;color:#976d3a}
.desktop-nav{display:flex;align-items:center;gap:22px;margin-left:auto;font-size:.88rem;font-weight:700}
.desktop-nav a{text-decoration:none}
.desktop-nav>a:hover,.desktop-nav summary:hover{color:#966a36}
.desktop-nav details{position:relative}
.desktop-nav summary{cursor:pointer;list-style:none}
.desktop-nav summary::-webkit-details-marker{display:none}
.desktop-nav summary:after{content:'⌄';padding-left:7px}
.dropdown{position:absolute;top:calc(100% + 28px);left:-15px;min-width:260px;padding:12px;background:var(--af-white);border:1px solid var(--line);border-radius:10px;box-shadow:0 12px 36px #142b211c,0 2px 8px #142b210c;display:grid}
.dropdown a{padding:9px 11px;border-radius:6px}
.dropdown a:hover{background:var(--soft)}
.header-end{display:flex;align-items:center;gap:16px}
.header-end>.button{min-height:40px;font-size:.82rem;padding:9px 13px}
.languages{display:flex;gap:4px}
.languages a{text-decoration:none;font-weight:800;font-size:.75rem;color:var(--muted);padding:5px}
.languages a[aria-current]{color:var(--text);border-bottom:2px solid var(--af-gold)}
.menu-toggle,.mobile-nav{display:none}

.hero{background:linear-gradient(118deg,#fffef9 0%,#fffef9 50%,#f2f6ef 100%);padding:72px 0 78px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.22fr) minmax(290px,.78fr);gap:8%;align-items:center}
.hero h1{max-width:740px;margin:0}
.hero-copy>p{font-size:1.19rem;line-height:1.55;color:#405649;max-width:660px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 23px}
.hero-language{font-size:.82rem;color:var(--muted)}
.hero-aside{background:#fffefa;border:1px solid #d5dfd4;border-radius:14px;box-shadow:0 3px 8px #142b2108,0 18px 44px #142b210b;padding:28px 30px 23px}
.hero-aside img{display:block;width:132px;height:132px;object-fit:contain;margin:0 auto 23px;mix-blend-mode:multiply}
.hero-aside .eyebrow{font-size:.76rem;margin-bottom:9px}
.hero-aside a{display:flex;align-items:center;justify-content:space-between;padding:16px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:700;font-size:1.03rem}
.hero-aside a:last-child{border-bottom:0}
.hero-aside a:hover{color:#946b37}
.hero-aside a strong{font-weight:400;color:var(--gold-text)}
.credibility{background:var(--af-white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.credibility-inner{display:flex;gap:20px;align-items:center;justify-content:space-between;padding:17px 0;font-weight:700;font-size:.85rem}
.credibility a{color:var(--text);text-decoration:underline;text-decoration-color:var(--af-gold);text-underline-offset:4px}
.credibility-note{padding:0 0 14px;color:var(--muted);font-size:.78rem}

.section{padding:91px 0}
.section.soft{background:var(--soft);border-block:1px solid #e6eae2}
.section-heading{max-width:800px;margin-bottom:34px}
.section-heading h2{margin-bottom:17px}
.section-heading p{max-width:780px;color:var(--muted);font-size:1.12rem;margin-bottom:0}
.path-grid{display:grid;grid-template-columns:1.18fr 1fr 1fr;gap:15px}
.path-card,.card,.service,.team-note{background:var(--af-white);border:1px solid var(--line);border-radius:10px;padding:29px;box-shadow:0 2px 5px #1d3d2f08;transition:transform .26s var(--ease),box-shadow .26s var(--ease),border-color .26s var(--ease)}
.path-card:hover,.card:hover,.service:hover{transform:translateY(-3px);border-color:#b6c9b8;box-shadow:0 6px 14px #1d3d2f0a,0 22px 42px #1d3d2f0a}
.path-card{min-height:292px;display:flex;flex-direction:column;align-items:flex-start}
.path-card>span{font-size:.77rem;text-transform:uppercase;letter-spacing:.13em;font-weight:800;color:var(--gold-text)}
.path-card h3{font-size:1.65rem;margin:24px 0 10px}
.path-card p{font-size:.99rem;color:var(--muted)}
.path-card>.button,.path-card>.text-link{margin-top:auto}
.path-feature{background:#edf3eb;border-color:#ccdece}
.service-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.service{min-height:276px;display:flex;flex-direction:column}
.service>span{color:var(--gold-text);letter-spacing:.14em;font-weight:800}
.service h3{margin:23px 0 12px}
.service p,.card p{color:var(--muted);font-size:.98rem}
.service .text-link{align-self:flex-start;margin-top:auto}
.steps{list-style:none;padding:0;margin:40px 0 0;display:grid;grid-template-columns:repeat(5,1fr);gap:15px}
.steps li{border-top:2px solid var(--af-gold);padding-top:18px}
.steps li>span{font-weight:800;color:var(--gold-text);font-size:.84rem}
.steps h3{margin:19px 0 9px;font-size:1.25rem}
.steps p{font-size:.95rem;color:var(--muted)}
.proof-section{background:linear-gradient(145deg,#fffefa 40%,#f6f8f2)}
.proof-layout{display:grid;grid-template-columns:1fr 1fr;gap:9%;align-items:center}
.proof-sheet{background:white;border:1px solid var(--line);border-radius:11px;box-shadow:0 4px 12px #1d3d2f0a,0 20px 55px #1d3d2f0b;padding:31px 37px}
.proof-label{font-size:.76rem;color:var(--gold-text);font-weight:800;letter-spacing:.13em;text-transform:uppercase;border-bottom:2px solid var(--af-gold);padding-bottom:18px}
.proof-row{display:grid;grid-template-columns:38px 1fr;gap:16px;padding:17px 0;border-bottom:1px solid var(--line)}
.proof-row>span{font-weight:800;color:var(--gold-text)}
.proof-row strong{display:block}
.proof-row small{display:block;color:var(--muted);font-size:.86rem;line-height:1.45;margin-top:2px}
.proof-sheet>p{color:var(--muted);font-size:.77rem;margin:18px 0 0}
.about-layout{display:grid;grid-template-columns:1.1fr .9fr;gap:10%;align-items:center}
.about-layout blockquote{font-size:clamp(1.5rem,2.6vw,2.35rem);line-height:1.28;font-family:var(--af-font-heading);font-weight:700;border-left:3px solid var(--af-gold);padding-left:26px;margin:0}
.team-note{background:#fffef9}
.team-note p{margin-bottom:0;color:var(--muted)}
.pay-grid,.card-grid,.insight-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.pay-grid .card,.insight-grid .card{min-height:230px}
.pay-note{display:flex;gap:25px;justify-content:space-between;align-items:center;color:var(--muted);font-size:.87rem;margin-top:25px}
.pay-note a{white-space:nowrap;color:var(--text);font-weight:700}
.card .text-link{margin-top:8px}
.final{background:#e9f0e7;border-top:1px solid #cbdaca;padding:74px 0}
.final-inner{display:flex;justify-content:space-between;align-items:center;gap:40px}
.final h2{max-width:760px;margin-bottom:10px}
.final p{color:var(--muted);margin:0}

.page-hero{background:linear-gradient(110deg,#fffef9,#f5f7f2);border-bottom:1px solid var(--line);padding:58px 0 54px}
.page-hero h1{max-width:960px;margin:0}
.page-hero p{font-size:1.17rem;color:var(--muted);max-width:790px;margin-bottom:0}
.page-hero .accent-line{margin:22px 0}
.breadcrumbs{font-size:.84rem;color:var(--muted);margin-bottom:38px}
.breadcrumbs a{text-decoration:none}
.breadcrumbs a:hover{text-decoration:underline}
.breadcrumbs span{padding:0 9px}

.calculator-section{padding-top:54px}
.calculator{border:1px solid var(--line);border-radius:14px;background:#fffefa;box-shadow:0 4px 12px #1d3d2f06,0 22px 54px #1d3d2f09;padding:clamp(24px,4vw,48px)}
.calc-heading{margin-bottom:26px;max-width:850px}
.calc-heading h2{font-size:clamp(1.75rem,2.7vw,2.8rem);margin:0}
.calc-heading p{color:var(--muted);margin:12px 0 0}
.mortgage-layout{display:grid;grid-template-columns:minmax(250px,.7fr) minmax(0,1.3fr);gap:24px;align-items:start}
.calc-inputs{padding:25px;background:#f6f8f4;border:1px solid var(--line);border-radius:9px;display:grid;gap:18px}
.calc-inputs h3{font-size:1.22rem;margin:0}
.field{display:flex;flex-direction:column;gap:8px;font-weight:700;font-size:.91rem}
.field input,.field textarea,.field select{width:100%;border:1px solid #b9c9bc;border-radius:7px;background:white;color:var(--text);padding:11px 13px;min-height:48px;font-weight:500}
.field textarea{resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--af-surface-dk)}
.calc-privacy,.input-help{color:var(--muted);font-size:.87rem;margin:0}
.calc-output{background:#fff;border:1px solid var(--line);border-radius:9px;padding:27px}
.output-head{display:flex;align-items:baseline;justify-content:space-between;gap:12px}
.output-head span{font-size:.92rem;font-weight:700}
.output-head strong{font-size:1.32rem}
.waterfall{display:flex;height:57px;border-radius:5px;overflow:hidden;background:#e4e9e2;margin:16px 0}
.waterfall span{height:100%;display:block;min-width:2px;border-right:2px solid white}
.waterfall .equity,.legend .equity i{background:var(--af-gold)}
.waterfall .first,.legend .first i{background:var(--af-surface-dk)}
.waterfall .second,.legend .second i{background:var(--af-surface)}
.waterfall .gap,.legend .gap i{background:#b5624e}
.legend{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:22px}
.legend>div{display:grid;grid-template-columns:11px 1fr;gap:2px 7px;align-items:center;font-size:.77rem}
.legend i{width:11px;height:11px;border-radius:2px}
.legend strong{grid-column:2;font-size:.91rem}
.warning{border-left:3px solid #a7523d;background:#fff1eb;color:#773526;padding:12px 16px;font-size:.89rem;margin:14px 0}
.costs{border-top:1px solid var(--line);padding-top:18px}
.costs h3{font-size:1.18rem;margin-bottom:7px}
.costs dl,.pension-output dl{margin:0}
.costs dl>div,.pension-output dl>div{display:flex;justify-content:space-between;gap:15px;padding:8px 0;border-bottom:1px solid var(--line);font-size:.88rem}
.costs dd,.pension-output dd{margin:0;font-weight:800;white-space:nowrap}
.costs dl>div:nth-last-child(2),.pension-output dl>div:nth-child(2){border-top:2px solid var(--af-gold);font-weight:800}
.affordability{display:flex;gap:10px;align-items:center;flex-wrap:wrap;padding:16px 0;border-bottom:1px solid var(--line)}
.affordability>span:first-child{font-weight:700;font-size:.92rem}
.affordability>strong{font-size:1.65rem;line-height:1}
.meter{height:8px;border-radius:8px;background:#dde5db;width:130px;overflow:hidden}
.meter i{height:100%;display:block;background:var(--af-gold)}
.affordability p{flex-basis:100%;margin:0;font-size:.88rem}
.positive{color:#216847}.negative{color:#a14d37}
.result-cta{background:#eaf1e9;border:1px solid #d0e0d1;border-radius:8px;padding:19px;margin-top:20px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.result-cta .eyebrow{font-size:.72rem;margin:0 0 5px}
.result-cta p{margin:0;font-size:.92rem;max-width:430px}
.result-cta .button{flex:none}
.calc-foot{border-top:1px solid var(--line);padding-top:20px;margin-top:32px;color:var(--muted);font-size:.83rem}
.calc-foot strong{color:var(--text)}
.calc-foot p{margin:7px 0 9px}
.calc-foot a{color:var(--text);margin-right:18px}
.pension-layout{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.employment{border:0;padding:0;margin:0}
.employment legend{font-size:.91rem;font-weight:700;margin-bottom:7px}
.employment label{display:block;margin:6px 0;font-size:.92rem}
.employment input{accent-color:var(--af-surface-dk)}
.pension-output{display:flex;flex-direction:column;justify-content:center}
.pension-output dl>div{padding:13px 0}
.pension-output dl>div:nth-child(2) dd{font-size:1.45rem}
.calc-disclaimer{font-size:.84rem;color:var(--muted);margin:18px 0 0}
.gap-reveal{margin-top:28px;border:1px solid var(--line);border-radius:9px;overflow:hidden}
.gap-reveal summary{display:flex;align-items:center;justify-content:space-between;gap:15px;padding:21px 24px;cursor:pointer;background:#f7f9f5;list-style:none}
.gap-reveal summary::-webkit-details-marker{display:none}
.gap-reveal summary small{display:block;font-size:.77rem;color:var(--gold-text);text-transform:uppercase;letter-spacing:.12em;font-weight:800}
.gap-reveal summary strong{display:block;font-size:1.1rem}
.gap-reveal summary b{font-size:1.65rem;font-weight:400}
.gap-reveal[open] summary b{transform:rotate(45deg)}
.gap-panel{padding:25px}
.gap-panel>p:first-child{color:var(--muted);font-size:.92rem}
.gap-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}
.gap-results{margin-top:26px;background:var(--soft);border-radius:7px;padding:20px}
.gap-results>p{margin:0;color:var(--muted)}
.gap-numbers{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.gap-numbers div{border-right:1px solid var(--line);display:flex;flex-direction:column;gap:8px}
.gap-numbers div:last-child{border:0}
.gap-numbers span{color:var(--muted);font-size:.83rem}
.gap-numbers strong{font-size:1.5rem}
.pension-cta{margin-top:26px}
.pension-cta small{display:block;color:var(--muted);font-size:.79rem;margin-top:8px}

.contact-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:9%;align-items:start}
.contact-context h2{font-size:clamp(1.85rem,3vw,2.65rem)}
.contact-context address{font-style:normal;line-height:2;margin:24px 0 34px}
.contact-context address a{font-weight:700}
.next-explained{border-top:2px solid var(--af-gold);padding-top:24px;max-width:360px}
.next-explained p{color:var(--muted)}
.contact-panel{background:var(--soft);padding:35px;border:1px solid var(--line);border-radius:10px}
.contact-panel h2{font-size:2rem;margin-bottom:10px}
.contact-panel>p{color:var(--muted);font-size:.94rem;margin-bottom:20px}
.contact-panel form>.field{margin-bottom:17px}
.two-fields{display:grid;grid-template-columns:1fr 1fr;gap:15px;margin-bottom:17px}
.data-note{font-size:.82rem;color:var(--muted);margin:10px 0 16px}
.consent{display:block;font-size:.85rem;line-height:1.4;margin-bottom:20px}
.consent input{accent-color:var(--af-surface-dk)}
.consent a{text-decoration:underline}
#formStatus{font-size:.86rem;color:var(--af-surface-dk);margin-top:17px}
.legal{max-width:850px}
.legal h2{font-size:2rem;margin-top:20px}
.legal p{white-space:pre-line}
.legal .button{margin:15px 0}

.footer{background:#f9faf6;border-top:1px solid var(--line);padding:68px 0 24px;color:var(--text)}
.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:35px}
.footer p,.footer small{color:var(--muted);font-size:.88rem}
.footer h3{font-size:.9rem;text-transform:uppercase;letter-spacing:.11em;color:var(--gold-text)}
.footer a:not(.brand){display:block;font-size:.88rem;text-decoration:none;margin:8px 0}
.footer a:hover{text-decoration:underline}
.footer-bottom{border-top:1px solid var(--line);margin-top:55px;padding-top:20px;display:flex;justify-content:space-between;font-size:.78rem;color:var(--muted)}

@media(max-width:1120px){
  .desktop-nav{gap:12px}.header-end>.button{display:none}.header-inner{gap:17px}
  .service-grid{grid-template-columns:repeat(2,1fr)}
  .service{min-height:230px}
}
@media(max-width:840px){
  .wrap{width:min(100% - 36px,1180px)}
  .desktop-nav,.header-end>.languages{display:none}
  .header-end{margin-left:auto}
  .menu-toggle{border:0;background:none;display:grid;gap:5px;padding:11px}
  .menu-toggle span{display:block;width:23px;height:2px;background:var(--text)}
  .mobile-nav.open{display:grid;gap:0;position:absolute;left:0;right:0;top:100%;max-height:calc(100vh - 78px);overflow:auto;padding:18px;background:var(--af-white);box-shadow:0 20px 32px #1d3d2f1c}
  .mobile-nav a,.mobile-nav strong{padding:8px 0;text-decoration:none}
  .mobile-nav .languages{margin:12px 0}.mobile-nav .button{margin-top:12px}
  .hero-grid{gap:30px;grid-template-columns:1fr}.hero-aside{max-width:none;display:grid;grid-template-columns:90px 1fr;column-gap:20px}
  .hero-aside img{grid-row:1/5;width:85px;height:85px;margin:0}
  .hero-aside a{padding:9px 0}.hero-aside .eyebrow{margin:0}
  .path-grid{grid-template-columns:repeat(2,1fr)}.path-feature{grid-column:1/-1;min-height:220px}
  .steps{grid-template-columns:repeat(3,1fr)}
  .gap-grid{grid-template-columns:repeat(2,1fr)}
  .mortgage-layout{grid-template-columns:1fr}
  .calc-inputs{grid-template-columns:repeat(3,1fr);align-items:end}
  .calc-inputs h3,.calc-inputs .calc-privacy{grid-column:1/-1}
  .pension-layout .calc-inputs{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:repeat(2,1fr)}
  .section{padding:66px 0}
}
@media(max-width:600px){
  .header-inner{min-height:72px}.brand span{font-size:.91rem}.brand small{font-size:.62rem}
  .hero{padding:48px 0 56px}.hero h1{font-size:clamp(2.45rem,11vw,3.35rem)}.hero-copy>p{font-size:1.04rem}
  .hero-aside{display:block;padding:22px}.hero-aside img{width:60px;height:60px;margin:0 0 14px}
  .credibility-inner{display:grid;gap:6px}.credibility-inner span,.credibility-inner a{font-size:.8rem}
  .section{padding:54px 0}
  .path-grid,.service-grid,.card-grid,.pay-grid,.insight-grid,.proof-layout,.about-layout,.pension-layout,.contact-layout,.two-fields{grid-template-columns:1fr}
  .path-feature{grid-column:auto}
  .path-card,.service,.card{min-height:unset;padding:24px}
  .steps{grid-template-columns:repeat(2,1fr)}
  .pay-note,.final-inner{align-items:flex-start;flex-direction:column}
  .proof-sheet{padding:23px}.team-note{padding:24px}
  .page-hero{padding:40px 0}.page-hero h1{font-size:clamp(2.15rem,9vw,3rem)}
  .calculator{padding:21px}.calc-inputs{grid-template-columns:1fr}.calc-inputs h3,.calc-inputs .calc-privacy{grid-column:auto}
  .output-head{display:block}.output-head strong{display:block;margin-top:4px}
  .legend{grid-template-columns:repeat(2,1fr)}
  .result-cta{align-items:flex-start;flex-direction:column}
  .gap-grid,.gap-numbers{grid-template-columns:1fr}
  .gap-numbers div{border:0;border-bottom:1px solid var(--line);padding-bottom:10px}
  .gap-numbers div:last-child{border:0}
  .footer-grid{grid-template-columns:repeat(2,1fr);gap:25px}
  .footer-brand{grid-column:1/-1}
  .footer-bottom{display:block}.footer-bottom span{display:block;margin-top:4px}
  .contact-panel{padding:24px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation-duration:.01ms!important;transition-duration:.01ms!important}}

/* Equal choices on the homepage */
.path-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.path-feature{background:inherit;border-color:var(--line)}
@media(max-width:760px){.path-grid{grid-template-columns:1fr}}