/* Shared accessibility, readability and conversion improvements */
html{-webkit-text-size-adjust:100%;text-size-adjust:100%}
body{overflow-wrap:break-word}
:where(button,input,select,textarea){font:inherit}
:where(button,.btn,[class*="btn"],[class*="button"]){min-height:44px}
:where(a,button,input,select,textarea):focus-visible{outline:3px solid #2563eb!important;outline-offset:3px!important}
img{height:auto}
.site-trust-links{border-top:1px solid rgba(90,90,90,.22);padding:1rem 1.25rem;text-align:center;font:600 .84rem/1.6 system-ui,sans-serif;background:rgba(255,255,255,.72);color:#334155}
.site-trust-links a{display:inline-block;margin:.15rem .55rem;color:inherit;text-decoration:underline;text-underline-offset:3px}
@media(max-width:720px){body{font-size:16px!important;line-height:1.62!important}h1{font-size:clamp(2rem,10vw,3.25rem)!important;line-height:1.08!important}main{overflow:hidden}:where(button,.btn,[class*="btn"],[class*="button"]){min-height:46px}}
@media(prefers-reduced-motion:reduce){*,*::before,*::after{scroll-behavior:auto!important;animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}}

/* 2026 confidence, clarity and human guidance */
:root{--navy:#102846!important;--navy2:#17395f!important;--teal:#148b78!important;--teal-hover:#0f7465!important;--teal-mid:#3bc2aa!important;--teal-light:#e7f6f2!important;--bg:#f4f7f8!important;--text:#183149!important;--text2:#52697c!important}
.hero{background:linear-gradient(145deg,#102846 0%,#174466 100%)!important}
.hero-actions{display:flex;justify-content:center;gap:12px;flex-wrap:wrap;margin:-12px 0 28px}
.hero-cta{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 20px;border-radius:9px;font-size:14px;font-weight:800;text-decoration:none}
.hero-cta.primary{background:var(--teal-mid);color:#0a2437}
.hero-cta.primary:hover{background:#62d5c0}
.hero-cta.secondary{border:1px solid rgba(255,255,255,.38);background:rgba(255,255,255,.06);color:#fff}
.hero-cta.secondary:hover{background:rgba(255,255,255,.13)}
.guidance-strip{display:grid;grid-template-columns:minmax(260px,.9fr) minmax(420px,1.5fr);gap:28px;padding-top:34px!important;padding-bottom:26px!important}
.guidance-copy>p{text-transform:uppercase;letter-spacing:.1em;font-size:11px;font-weight:800;color:var(--teal);margin:0 0 5px}
.guidance-copy h2{font-family:'Playfair Display',serif;font-size:clamp(24px,3vw,32px);line-height:1.15;color:var(--navy);margin:0 0 9px}
.guidance-copy span{font-size:13px;line-height:1.55;color:var(--text2)}
.guidance-links{display:grid;grid-template-columns:repeat(3,1fr);gap:11px}
.guidance-links a{display:flex;flex-direction:column;gap:5px;background:#fff;border:1px solid var(--border);border-radius:12px;padding:17px;text-decoration:none;box-shadow:var(--shadow-sm)}
.guidance-links a:hover{border-color:var(--teal);transform:translateY(-2px)}
.guidance-links strong{font-size:14px;color:var(--navy)}
.guidance-links small{font-size:12px;line-height:1.45;color:var(--text2)}
#calculator{scroll-margin-top:86px}
.calc-head{background:var(--navy)!important}
@media(max-width:850px){.guidance-strip{grid-template-columns:1fr}.guidance-links{grid-template-columns:1fr}}
@media(max-width:640px){.hero-cta{width:100%}.guidance-strip{padding-top:26px!important}}