@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/46a9e2f250689b4a-s.03ez25a9g3i0n.woff2)format("woff2");unicode-range:U+460-52F,U+1C80-1C8A,U+20B4,U+2DE0-2DFF,U+A640-A69F,U+FE2E-FE2F}@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/76b70a1dbe058eb5-s.3i9rha7jpxn0q.woff2)format("woff2");unicode-range:U+301,U+400-45F,U+490-491,U+4B0-4B1,U+2116}@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/2fb76073e23fd9e4-s.2o7ko1d-5m1xu.woff2)format("woff2");unicode-range:U+1F??}@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/6131cbbf5549afa2-s.1ee5w62fj497l.woff2)format("woff2");unicode-range:U+370-377,U+37A-37F,U+384-38A,U+38C,U+38E-3A1,U+3A3-3FF}@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/45462fd7b7c12654-s.1way2z9fj6cig.woff2)format("woff2");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/ba63f6a0e436df8e-s.0szrwpqb9mkwe.woff2)format("woff2");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C4,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Inter;font-style:normal;font-weight:100 900;font-display:swap;src:url(../media/07c7676b89ed2778-s.p.45535valc9rzk.woff2)format("woff2");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Inter Fallback;src:local(Arial);ascent-override:90.44%;descent-override:22.52%;line-gap-override:0.0%;size-adjust:107.12%}.w8E6FG_className{font-family:Inter,Inter Fallback;font-style:normal}.w8E6FG_variable{--font-body:"Inter", "Inter Fallback"}
@font-face{font-family:Space Grotesk;font-style:normal;font-weight:500;font-display:swap;src:url(../media/edb5f85793adc1bb-s.0v2ipp7s07_p9.woff2)format("woff2");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Space Grotesk;font-style:normal;font-weight:500;font-display:swap;src:url(../media/92b6de9cb55945e2-s.44ks8kcggj012.woff2)format("woff2");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C4,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Space Grotesk;font-style:normal;font-weight:500;font-display:swap;src:url(../media/237858b39a32779d-s.p.1ii7211jqpzi_.woff2)format("woff2");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Space Grotesk;font-style:normal;font-weight:700;font-display:swap;src:url(../media/edb5f85793adc1bb-s.0v2ipp7s07_p9.woff2)format("woff2");unicode-range:U+102-103,U+110-111,U+128-129,U+168-169,U+1A0-1A1,U+1AF-1B0,U+300-301,U+303-304,U+308-309,U+323,U+329,U+1EA0-1EF9,U+20AB}@font-face{font-family:Space Grotesk;font-style:normal;font-weight:700;font-display:swap;src:url(../media/92b6de9cb55945e2-s.44ks8kcggj012.woff2)format("woff2");unicode-range:U+100-2BA,U+2BD-2C5,U+2C7-2CC,U+2CE-2D7,U+2DD-2FF,U+304,U+308,U+329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C4,U+2113,U+2C60-2C7F,U+A720-A7FF}@font-face{font-family:Space Grotesk;font-style:normal;font-weight:700;font-display:swap;src:url(../media/237858b39a32779d-s.p.1ii7211jqpzi_.woff2)format("woff2");unicode-range:U+??,U+131,U+152-153,U+2BB-2BC,U+2C6,U+2DA,U+2DC,U+304,U+308,U+329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}@font-face{font-family:Space Grotesk Fallback;src:local(Arial);ascent-override:89.71%;descent-override:26.62%;line-gap-override:0.0%;size-adjust:109.69%}.Efp5IG_className{font-family:Space Grotesk,Space Grotesk Fallback;font-style:normal}.Efp5IG_variable{--font-heading:"Space Grotesk", "Space Grotesk Fallback"}
:root{--ink:#0b1f24;--muted:#4a5f63;--deep:#073e40;--night:#00212b;--teal:#05c3cb;--aqua:#b2ebf2;--aqua-soft:#e6f6f7;--blue:#155eef;--blue-dark:#0b3fb0;--rule:#e3eaeb;--panel:#f8f8f8;--danger:#8a2a0a;--danger-soft:#fde8e1;--brand-gradient:linear-gradient(225deg, #05c3cb 0%, #00353f 60%, #00212b 100%);--radius-l:24px;--radius-m:16px;--radius-button:15px}*,:before,:after{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{color:var(--ink);font-family:var(--font-body), system-ui, sans-serif;background:#fff;margin:0;font-size:1.0625rem;line-height:1.7}h1,h2,h3,.brand__title,.house-ad__heading,.site-footer__title,.toc__heading{font-family:var(--font-heading), system-ui, sans-serif;letter-spacing:-.01em;color:var(--ink);font-weight:700;line-height:1.12}h1{letter-spacing:-.02em;margin:0 0 1rem;font-size:clamp(2.1rem,5vw,3.6rem)}h2{margin:3rem 0 1rem;font-size:clamp(1.6rem,3.2vw,2.1rem)}h3{margin:2rem 0 .6rem;font-size:1.3rem}a{color:var(--blue);text-underline-offset:.18em}a:hover{color:var(--blue-dark);text-decoration-thickness:2px}:focus-visible{outline:3px solid var(--blue);outline-offset:2px}.wrap{width:100%;max-width:75rem;margin:0 auto;padding:0 1.25rem}.skip{z-index:10;background:#fff;padding:.5rem 1rem;position:absolute;top:0;left:-999px}.skip:focus{left:1rem}.visually-hidden{clip:rect(0 0 0 0);white-space:nowrap;width:1px;height:1px;position:absolute;overflow:hidden}.preview-bar{color:#3d3100;background:#fff4c2;border-bottom:1px solid #e6d27a;padding:.5rem 1rem;font-size:.85rem}.preview-bar summary{cursor:pointer}.preview-bar ul{margin:.5rem 0 0;padding-left:1.2rem}.button,.calc button{min-height:48px;font:inherit;cursor:pointer;background:var(--blue);color:#fff;border:2px solid var(--blue);border-radius:var(--radius-button);justify-content:center;align-items:center;padding:.55rem 1.4rem;font-weight:600;line-height:1.25;text-decoration:none;display:inline-flex}.button:hover,.calc button:hover{background:var(--blue-dark);border-color:var(--blue-dark);color:#fff}.button--quiet,.calc button.button--quiet{color:var(--blue);background:#fff}.button--quiet:hover,.calc button.button--quiet:hover{background:var(--aqua-soft);color:var(--blue-dark)}.link-button{font:inherit;color:inherit;cursor:pointer;background:0 0;border:0;padding:0;text-decoration:underline}.site-header{border-bottom:1px solid var(--rule);background:#fff}.site-header__inner{flex-wrap:wrap;align-items:center;gap:.75rem 2rem;padding-top:.9rem;padding-bottom:.9rem;display:flex}.brand{color:var(--ink);align-items:center;gap:.75rem;margin-right:auto;text-decoration:none;display:flex}.brand:hover{color:var(--ink)}.brand__mark{background:var(--brand-gradient);color:#fff;width:2.75rem;height:2.75rem;font-family:var(--font-heading), sans-serif;letter-spacing:0;border-radius:14px;flex:none;justify-content:center;align-items:center;font-size:1.05rem;font-weight:700;display:flex}.brand__text{flex-direction:column;display:flex}.brand__title{font-size:1.3rem}.brand__tagline{color:var(--muted);font-size:.8rem;line-height:1.3}.site-nav{flex-wrap:wrap;gap:0 1.5rem;font-size:.95rem;font-weight:600;display:flex}.site-nav a{color:var(--deep);border-bottom:3px solid #0000;padding:.7rem 0;text-decoration:none}.site-nav a:hover{color:var(--deep);border-bottom-color:var(--teal)}.header-cta{min-height:44px;padding:.45rem 1.1rem;font-size:.92rem}.hero{background:var(--brand-gradient);color:#fff}.hero__inner{flex-wrap:wrap;align-items:center;gap:2.5rem;padding-top:3.5rem;padding-bottom:3.75rem;display:flex}.hero__text{flex:999 32rem;min-width:0;max-width:52rem}.hero h1{color:#fff}.page--home .hero__inner{padding-top:4.5rem;padding-bottom:5rem}.page--home .hero h1{max-width:16ch;font-size:clamp(2.4rem,6vw,4.4rem);line-height:1.03}.hero__kicker{background:#b2ebf229;border:1px solid #b2ebf273;border-radius:999px;margin:0 0 1.25rem;padding:.35rem .9rem;font-size:.85rem;font-weight:600;display:inline-block}.hero .standfirst{color:#e2f7f8;max-width:40em;margin:0 0 1.75rem;font-size:clamp(1.1rem,2vw,1.3rem);line-height:1.55}.breadcrumb{color:#d3f1f3;margin-bottom:1.25rem;font-size:.88rem}.breadcrumb a{color:#fff}.byline{color:#d3f1f3;align-items:center;gap:.8rem;margin:0;font-size:.9rem;line-height:1.5;display:flex}.byline strong{color:#fff}.byline__avatar{background:var(--aqua);width:2.6rem;height:2.6rem;color:var(--deep);border-radius:50%;flex:none;justify-content:center;align-items:center;font-size:.9rem;font-weight:700;display:flex}.hero__photo{flex:22rem;min-width:0;margin:0}.hero__photo img,.page__photo img{border-radius:28px;width:100%;height:auto;display:block}.page__photo{margin:2rem 0 0}.page__photo img{object-fit:cover;max-height:30rem}.page__body{padding-top:3rem;padding-bottom:5rem}.page__layout{grid-template-columns:minmax(0,1fr);gap:2.5rem;display:grid}.prose{width:100%;min-width:0;max-width:46rem}.page--home .prose{max-width:none}.prose>h2:first-child{margin-top:0}.prose p,.prose li{margin:0 0 1.1rem}.prose ul,.prose ol{padding-left:1.4rem}.prose>.standfirst{color:var(--ink);max-width:44rem;margin:0 0 2.5rem;font-size:clamp(1.2rem,2.2vw,1.45rem);font-weight:500;line-height:1.55}.prose table{border-collapse:collapse;width:100%;margin:1.25rem 0 1.75rem;font-size:.95rem}.table-scroll{border:1px solid var(--rule);border-radius:var(--radius-m);background:#fff;margin:1.5rem 0 2rem;overflow-x:auto}.table-scroll table{min-width:40rem;margin:0}.prose th,.prose td{text-align:left;vertical-align:top;border-bottom:1px solid var(--rule);padding:.75rem 1rem}.prose th{background:var(--aqua-soft);font-weight:700}.prose caption{text-align:left;color:var(--muted);caption-side:bottom;padding:.65rem 1rem;font-size:.85rem}.note{background:var(--aqua-soft);border-radius:var(--radius-m);margin:1.75rem 0;padding:1.1rem 1.4rem}.note p:last-child{margin-bottom:0}.cite{font-size:.75em;line-height:0}.cite a{text-decoration:none}.toc{background:var(--panel);border-radius:20px;align-self:start;padding:1.25rem;font-size:.92rem}.toc__heading{margin:0 0 .5rem;font-size:1.05rem}.toc ol{counter-reset:toc;margin:0;padding:0;list-style:none}.toc li{margin:0}.toc a{color:#33494d;border-radius:10px;padding:.5rem .75rem;line-height:1.4;text-decoration:none;display:block}.toc a:hover{background:var(--aqua);color:var(--deep)}.sources{border-top:1px solid var(--rule);margin-top:3.5rem;font-size:.9rem}.sources h2{font-size:1.5rem}.sources li{overflow-wrap:anywhere;margin-bottom:.5rem}.card-grid{grid-template-columns:repeat(auto-fit,minmax(min(16rem,100%),1fr));gap:1.5rem;margin:2rem 0 3rem;display:grid}.card{border:1px solid var(--rule);border-radius:var(--radius-l);background:#fff;padding:1.6rem 1.6rem 1.75rem;transition:box-shadow .15s,transform .15s;position:relative}.card h2,.card h3{margin:0 0 .6rem;font-size:1.35rem;line-height:1.15}.card p{color:#33494d}.card p:last-child{margin-bottom:0}.page--home .card:hover{transform:translateY(-2px);box-shadow:0 14px 34px #00212b1f}.page--home .card h2{font-size:1.6rem}.page--home .card p:last-child{font-weight:600}.page--home .card-grid>.card:nth-child(2){background:var(--deep);border-color:var(--deep)}.page--home .card-grid>.card:nth-child(2) h2{color:#fff}.page--home .card-grid>.card:nth-child(2) p{color:#cdeef0}.page--home .card-grid>.card:nth-child(2) a{color:#fff}.house-ad{background:var(--brand-gradient);color:#e2f7f8;border-radius:28px;margin:3rem 0;padding:2rem 2.25rem}.house-ad__label{text-transform:uppercase;letter-spacing:.08em;color:var(--aqua);margin:0 0 .6rem;font-size:.75rem;font-weight:700}.house-ad__heading{color:#fff;margin:0 0 .75rem;font-size:clamp(1.5rem,3vw,2rem)}.house-ad__body a{color:#fff}.house-ad .button{margin-top:.5rem}.enquiry{margin:2rem 0}.enquiry__frame{border:1px solid var(--rule);border-radius:var(--radius-m);background:#fff;width:100%;min-height:40rem}.calc{border:1px solid var(--rule);border-radius:var(--radius-l);background:#fff;margin:2rem 0 2.5rem;padding:1.5rem;box-shadow:0 12px 32px #00212b14}.calc__actions{flex-wrap:wrap;gap:.5rem;margin-bottom:1.25rem;display:flex}.calc__note{color:#3d3100;background:#fff4c2;border-radius:12px;padding:.7rem .9rem;font-size:.9rem}.calc__form{gap:1rem;display:grid}.calc__group{border:1px solid var(--rule);border-radius:var(--radius-m);min-width:0;margin:0;padding:.9rem 1.1rem .3rem}.calc__group legend{font-family:var(--font-heading), sans-serif;padding:0 .3rem;font-weight:700}.calc__field{margin-bottom:.9rem}.calc__field label{font-size:.95rem;font-weight:600;display:block}.calc__input{align-items:center;gap:.35rem;margin-top:.3rem;display:flex}.calc__input input,.calc__input select{font:inherit;min-height:44px;color:var(--ink);background:#fff;border:1px solid #9fb7bb;border-radius:12px;padding:.4rem .75rem}.calc__input input{width:100%;max-width:12rem}.calc__input select{max-width:100%}.calc__input input[aria-invalid=true]{border-color:#b42318}.calc__hint{color:var(--muted);margin:.25rem 0 0;font-size:.82rem}.calc__error{color:#b42318;margin:.25rem 0 0;font-size:.85rem;font-weight:600}.calc__results{background:var(--aqua-soft);border-radius:var(--radius-m);margin-top:1.75rem;padding:1.1rem 1.35rem}.calc__results h3{margin-top:0}.calc__results dl{gap:.1rem;margin:0;display:grid}.calc__results dl>div{border-bottom:1px solid #c9e6e9;gap:.15rem;padding:.65rem 0;display:grid}.calc__results dt{color:var(--muted);font-size:.9rem}.calc__results dd{flex-direction:column;margin:0;display:flex}.calc__results strong{font-family:var(--font-heading), sans-serif;font-size:1.35rem}.calc__eq{color:var(--muted);font-family:ui-monospace,Consolas,monospace;font-size:.8rem}.calc__reason{color:var(--muted);font-size:.85rem}.calc__caveat{color:var(--muted);margin-top:1rem;font-size:.85rem}.scorecard{border:1px solid var(--rule);border-radius:var(--radius-l);background:#fff;margin:2rem 0 2.5rem;padding:1.5rem;box-shadow:0 12px 32px #00212b14}.scorecard__names{border:1px solid var(--rule);border-radius:var(--radius-m);gap:.6rem;min-width:0;margin:0 0 1.25rem;padding:.9rem 1.1rem;display:grid}.scorecard__names legend{font-family:var(--font-heading), sans-serif;padding:0 .3rem;font-weight:700}.scorecard__names label,.scorecard__answers label{color:var(--muted);gap:.2rem;font-size:.85rem;display:grid}.scorecard input,.scorecard select{font:inherit;min-height:44px;color:var(--ink);background:#fff;border:1px solid #9fb7bb;border-radius:12px;width:100%;padding:.4rem .65rem}.scorecard__group h3{border-bottom:2px solid var(--aqua);padding-bottom:.35rem}.scorecard__item{border-bottom:1px solid var(--rule);padding:.75rem 0 1rem}.scorecard__question{margin:0;font-weight:600}.scorecard__flag{background:var(--danger-soft);color:var(--danger);text-transform:uppercase;letter-spacing:.04em;border-radius:999px;margin-left:.35rem;padding:.1rem .55rem;font-size:.72rem;font-weight:700;display:inline-block}.scorecard__answers{gap:.5rem;margin-top:.6rem;display:grid}.notice{z-index:20;max-width:min(22rem,100vw - 2rem);color:var(--ink);border:1px solid var(--rule);border-radius:var(--radius-m);background:#fff;padding:.85rem 1rem;font-size:.88rem;line-height:1.5;position:fixed;bottom:1rem;left:1rem;box-shadow:0 12px 32px #00212b2e}.notice p{margin:0 0 .6rem}.notice__actions{align-items:center;gap:1rem;display:flex}.notice .button{min-height:40px;padding:.3rem 1.2rem;font-size:.88rem}.notice .link-button{color:var(--muted);min-height:40px}.site-footer{background:var(--night);color:#cdeef0;padding:3rem 0 6rem;font-size:.9rem;line-height:1.6}.site-footer__inner{flex-wrap:wrap;gap:1.5rem 3rem;display:flex}.site-footer__about{flex:999 26rem;min-width:0}.site-footer__about p{margin:0 0 .5rem}.site-footer__title{color:#fff;font-size:1.25rem}.site-footer a,.site-footer .link-button{color:#fff}.footer-nav{flex-direction:column;flex:15rem;align-items:flex-start;gap:.35rem;display:flex}@media (min-width:40rem){.scorecard__names,.scorecard__answers{grid-template-columns:repeat(3,1fr)}}@media (min-width:60rem){.page--cornerstone .page__layout,.page--supporting .page__layout,.page--tool .page__layout{grid-template-columns:16rem minmax(0,1fr);gap:3.5rem}.page--cornerstone .toc,.page--supporting .toc,.page--tool .toc{position:sticky;top:1rem}.calc__form{grid-template-columns:repeat(3,1fr)}.calc__results dl>div{grid-template-columns:16rem 1fr;align-items:baseline}}@media print{.site-header,.site-footer,.preview-bar,.house-ad,.toc,.notice{display:none}.hero{color:var(--ink);background:0 0}.hero h1,.breadcrumb a,.byline strong{color:var(--ink)}.hero .standfirst,.breadcrumb,.byline{color:var(--muted)}}
