:root{
  --black:#0a0a0a;
  --ink:#141414;
  --panel:#161616;
  --line:#2a2a2a;
  --gold:#c6a664;
  --gold-soft:#dcc48f;
  --gold-deep:#a8894a;
  --white:#fafafa;
  --mute:#a9a9a9;
  --paper:#f6f3ec;
  --paper-line:#e2dccd;
  --text:#1c1c1c;
  --text-mute:#5d5a52;
  --wrap:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--black);color:var(--white);font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:Marcellus,Georgia,serif;font-weight:400;letter-spacing:-.02em;line-height:1.12;margin:0}
p{margin:0}
a{color:inherit}
img,svg{display:block;max-width:100%}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
@media (max-width:600px){.wrap{padding:0 16px}}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 24px;border-radius:999px;border:1px solid transparent;font:600 15px/1 Inter,sans-serif;text-decoration:none;cursor:pointer;transition:background .15s,color .15s,border-color .15s}
.btn-gold{background:var(--gold);color:#111}
.btn-gold:hover{background:var(--gold-soft)}
.btn-ghost{border-color:#4a4a4a;color:var(--white);background:transparent}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold-soft)}
.btn-dark{background:var(--black);color:var(--white)}
.btn-dark:hover{background:#2a2a2a}
.btn:focus-visible,a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:2px solid var(--gold-soft);outline-offset:2px}

/* header */
header{position:sticky;top:0;z-index:20;background:rgba(10,10,10,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.head{display:flex;align-items:center;justify-content:space-between;height:76px}
.logo{display:flex;flex-direction:column;align-items:flex-start;text-decoration:none;line-height:1}
.logo-box{position:relative;padding:2px 9px 3px;font:400 30px/1 "Barlow Condensed",sans-serif;color:#d9d9d9;letter-spacing:.02em}
.logo-box::before,.logo-box::after{content:"";position:absolute;top:0;bottom:0;width:55%;border:2px solid var(--gold)}
.logo-box::before{left:0;border-right:0}
.logo-box::after{right:0;border-left:0;border-top:0;width:30%;top:55%}
.logo-word{margin-top:5px;font:600 13px/1 "Barlow Condensed",sans-serif;letter-spacing:.14em;color:var(--white)}
nav{display:flex;align-items:center;gap:30px}
nav a{font-size:15px;color:#d6d6d6;text-decoration:none}
nav a:hover{color:var(--gold-soft)}
.head .btn{min-height:42px;padding:0 20px;font-size:14px}
@media (max-width:860px){nav a:not(.btn){display:none}}

/* hero */
.hero{position:relative;overflow:hidden}
.hero-art{position:absolute;right:-180px;top:-140px;width:760px;height:760px;opacity:.5;pointer-events:none}
.hero-grid{position:relative;display:grid;grid-template-columns:1.08fr .92fr;gap:64px;align-items:center;padding-top:84px;padding-bottom:96px}
.hero h1{font-size:clamp(38px,5.2vw,62px)}
.hero h1 em{font-style:normal;color:var(--gold-soft)}
.hero .lead{margin-top:22px;font-size:18px;color:#d0d0d0;max-width:520px}
.ticks{list-style:none;margin:28px 0 0;padding:0;display:grid;gap:12px}
.ticks li{display:flex;gap:12px;align-items:flex-start;color:#e4e4e4;font-size:16px}
.ticks svg{flex:none;margin-top:4px}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:34px}
@media (max-width:960px){.hero-grid{grid-template-columns:1fr;gap:44px;padding-top:56px;padding-bottom:64px}.hero-art{opacity:.28}}

/* enquiry card */
.card{background:var(--paper);color:var(--text);border-radius:18px;padding:30px;box-shadow:0 30px 80px rgba(0,0,0,.55)}
.card h2{font-size:27px;color:var(--text)}
.card .sub{margin-top:6px;color:var(--text-mute);font-size:14.5px}
.seg{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin:20px 0 16px;padding:5px;background:#e9e4d7;border-radius:12px}
.seg label{position:relative;text-align:center;cursor:pointer}
.seg input{position:absolute;opacity:0;inset:0;cursor:pointer}
.seg span{display:block;padding:10px 4px;border-radius:8px;font-size:14px;font-weight:500;color:var(--text-mute)}
.seg input:checked+span{background:var(--black);color:var(--white)}
.seg input:focus-visible+span{outline:2px solid var(--gold-deep);outline-offset:2px}
.field{margin-top:12px}
.field label{display:block;font-size:13px;font-weight:500;color:#3a382f;margin-bottom:5px}
.field input,.field select{width:100%;height:46px;padding:0 13px;border:1px solid #cfc8b6;border-radius:10px;background:#fff;font:400 15px Inter,sans-serif;color:var(--text)}
.field input:focus,.field select:focus{border-color:var(--gold-deep);outline:2px solid rgba(198,166,100,.35);outline-offset:0}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:440px){.row2{grid-template-columns:1fr}.card{padding:22px}}
.card .btn{width:100%;margin-top:18px}
.card .small{margin-top:12px;font-size:12.5px;color:var(--text-mute);text-align:center}
.hp{position:absolute;left:-9999px}

/* press */
.press{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--ink)}
.press-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:0}
.press-item{padding:34px 32px;border-left:1px solid var(--line)}
.press-item:first-child{border-left:0;padding-left:0}
.press-item .big{font-family:Marcellus,serif;font-size:34px;color:var(--gold-soft);line-height:1.1}
.press-item p{margin-top:8px;color:#cfcfcf;font-size:15px}
.press-item cite{display:block;margin-top:8px;font-style:normal;font-size:13.5px;color:var(--mute)}
@media (max-width:860px){.press-grid{grid-template-columns:1fr}.press-item{border-left:0;border-top:1px solid var(--line);padding:26px 0}.press-item:first-child{border-top:0}}

/* light sections */
.light{background:var(--paper);color:var(--text)}
section{padding:92px 0}
@media (max-width:700px){section{padding:64px 0}}
.sec-head{max-width:680px}
.sec-head h2{font-size:clamp(30px,3.8vw,44px)}
.sec-head p{margin-top:16px;font-size:17px;color:var(--text-mute)}
.dark .sec-head p{color:#c4c4c4}

/* services */
.services{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:48px}
.svc{border-radius:18px;padding:38px;display:flex;flex-direction:column}
.svc h3{font-size:30px}
.svc>p{margin-top:12px;font-size:16px}
.svc ul{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:13px;font-size:15.5px}
.svc li{display:flex;gap:12px;align-items:flex-start}
.svc li svg{flex:none;margin-top:4px}
.svc .figure{margin-top:28px;padding-top:24px;border-top:1px solid;display:flex;align-items:baseline;gap:14px;flex-wrap:wrap}
.svc .figure b{font:400 36px/1 Marcellus,serif}
.svc .figure span{font-size:14.5px}
.svc .btn{margin-top:30px;align-self:flex-start}
.svc-fund{background:var(--black);color:var(--white)}
.svc-fund>p{color:#cdcdcd}
.svc-fund .figure{border-color:var(--line)}
.svc-fund .figure b{color:var(--gold-soft)}
.svc-fund .figure span{color:#bdbdbd}
.svc-tax{background:#fff;border:1px solid var(--paper-line)}
.svc-tax>p{color:var(--text-mute)}
.svc-tax .figure{border-color:var(--paper-line)}
.svc-tax .figure b{color:var(--gold-deep)}
.svc-tax .figure span{color:var(--text-mute)}
@media (max-width:860px){.services{grid-template-columns:1fr}.svc{padding:28px}}

/* together */
.together{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.pairs{display:grid;gap:14px}
.pair{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:14px;overflow:hidden;background:var(--panel)}
.pair div{padding:20px 22px}
.pair div+div{border-left:1px solid var(--line)}
.pair small{display:block;font-size:13px;color:var(--gold-soft);margin-bottom:5px}
.pair p{font-size:15px;color:#dedede}
@media (max-width:900px){.together{grid-template-columns:1fr;gap:36px}}
@media (max-width:480px){.pair{grid-template-columns:1fr}.pair div+div{border-left:0;border-top:1px solid var(--line)}}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px}
.step{background:#fff;border:1px solid var(--paper-line);border-radius:16px;padding:30px}
.step .n{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;background:var(--black);color:var(--gold-soft);font:400 18px Marcellus,serif}
.step h3{margin-top:20px;font-size:23px}
.step p{margin-top:10px;color:var(--text-mute);font-size:15.5px}
@media (max-width:860px){.steps{grid-template-columns:1fr}}

/* quote */
.quote{max-width:860px;margin:0 auto;text-align:center}
.quote svg{margin:0 auto 26px}
.quote blockquote{margin:0;font-family:Marcellus,serif;font-size:clamp(22px,2.7vw,31px);line-height:1.38;color:var(--white)}
.quote figcaption{margin-top:28px;font-size:15px;color:var(--mute)}
.quote figcaption b{display:block;color:var(--white);font-weight:600;font-size:16px}

/* faq */
.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px}
.faq details{border-bottom:1px solid var(--paper-line)}
.faq details:first-child{border-top:1px solid var(--paper-line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:20px;align-items:center;padding:22px 0;font-size:17.5px;font-weight:500}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:11px;height:11px;border-right:2px solid var(--gold-deep);border-bottom:2px solid var(--gold-deep);transform:rotate(45deg);margin-right:6px;transition:transform .15s}
.faq details[open] summary::after{transform:rotate(-135deg)}
.faq details p{padding:0 40px 24px 0;color:var(--text-mute);font-size:16px}
@media (max-width:900px){.faq-grid{grid-template-columns:1fr;gap:32px}}

/* cta */
.cta{text-align:center;position:relative;overflow:hidden}
.cta h2{font-size:clamp(32px,4.4vw,50px);max-width:760px;margin:0 auto}
.cta p{margin:18px auto 0;max-width:560px;color:#c9c9c9;font-size:17px}
.cta .hero-cta{justify-content:center}

footer{border-top:1px solid var(--line);padding:44px 0 36px;color:var(--mute);font-size:14px}
.foot{display:flex;justify-content:space-between;gap:32px;flex-wrap:wrap;align-items:flex-start}
.foot-links{display:flex;gap:26px;flex-wrap:wrap}
.foot a{color:#d6d6d6;text-decoration:none}
.foot a:hover{color:var(--gold-soft)}
.legal{margin-top:30px;padding-top:22px;border-top:1px solid var(--line);font-size:13px;line-height:1.65;max-width:900px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}

/* ---- multi-page additions ---- */
nav a[aria-current=page]{color:var(--gold-soft)}
.menu-btn{display:none;width:44px;height:44px;border:1px solid #3a3a3a;border-radius:10px;background:transparent;cursor:pointer;align-items:center;justify-content:center}
.menu-btn span,.menu-btn span::before,.menu-btn span::after{display:block;width:18px;height:2px;background:var(--white);content:"";position:relative}
.menu-btn span::before{position:absolute;top:-6px}
.menu-btn span::after{position:absolute;top:6px}
@media (max-width:860px){
  .menu-btn{display:inline-flex}
  nav{position:absolute;top:76px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--black);border-bottom:1px solid var(--line);padding:8px 16px 20px;display:none}
  nav.open{display:flex}
  nav a:not(.btn){display:block;padding:14px 4px;border-bottom:1px solid var(--line);font-size:16px}
  nav .btn{margin-top:16px}
}

.page-hero{position:relative;overflow:hidden;border-bottom:1px solid var(--line)}
.page-hero .wrap{position:relative;padding-top:84px;padding-bottom:84px}
.page-hero h1{font-size:clamp(36px,5vw,58px);max-width:820px}
.page-hero h1 em{font-style:normal;color:var(--gold-soft)}
.page-hero .lead{margin-top:22px;font-size:18px;color:#d0d0d0;max-width:640px}
.page-hero .hero-art{right:-240px;top:-220px}
@media (max-width:700px){.page-hero .wrap{padding-top:56px;padding-bottom:56px}}

.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--line);margin-top:56px}
.stats div{padding:26px 28px 0;border-left:1px solid var(--line)}
.stats div:first-child{border-left:0;padding-left:0}
.stats b{display:block;font:400 34px/1.1 Marcellus,serif;color:var(--gold-soft)}
.stats span{display:block;margin-top:8px;font-size:14.5px;color:#c4c4c4}
@media (max-width:700px){.stats{grid-template-columns:1fr;margin-top:40px}.stats div{border-left:0;padding:22px 0 0}}

.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:36px}}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:44px}
.tiles.two{grid-template-columns:repeat(2,1fr)}
.tile{background:#fff;border:1px solid var(--paper-line);border-radius:16px;padding:28px}
.tile h3{font-size:22px}
.tile p{margin-top:10px;color:var(--text-mute);font-size:15.5px}
.dark .tile{background:var(--panel);border-color:var(--line)}
.dark .tile p{color:#cfcfcf}
@media (max-width:860px){.tiles,.tiles.two{grid-template-columns:1fr}}

.checks{list-style:none;margin:0;padding:0;display:grid;gap:14px;font-size:16px}
.checks li{display:flex;gap:12px;align-items:flex-start}
.checks svg{flex:none;margin-top:4px}
.light .checks{color:var(--text)}

.video{position:relative;aspect-ratio:16/9;border-radius:18px;overflow:hidden;background:#000;border:1px solid var(--line)}
.video video{width:100%;height:100%;display:block;object-fit:cover}
.video .play{position:absolute;inset:0;width:100%;border:0;padding:0;cursor:pointer;background:linear-gradient(180deg,rgba(0,0,0,.1),rgba(0,0,0,.55));display:flex;align-items:center;justify-content:center;flex-direction:column;gap:14px;color:#fff;font:500 15px Inter,sans-serif}
.video .play i{width:76px;height:76px;border-radius:50%;background:var(--gold);display:grid;place-items:center;transition:background .15s}
.video .play:hover i{background:var(--gold-soft)}
.video .play i::before{content:"";margin-left:5px;border-style:solid;border-width:13px 0 13px 21px;border-color:transparent transparent transparent #111}
.testi{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.testi blockquote{margin:0;font-family:Marcellus,serif;font-size:clamp(20px,2.1vw,25px);line-height:1.42}
.testi figcaption{margin-top:22px;font-size:15px;color:var(--mute)}
.testi figcaption b{display:block;color:var(--white);font-weight:600;font-size:16px}
.testi figure{margin:0}
@media (max-width:900px){.testi{grid-template-columns:1fr;gap:32px}}

.track{border-radius:18px;padding:36px}
.track h3{font-size:28px}
.track ol{list-style:none;counter-reset:s;margin:26px 0 0;padding:0;display:grid;gap:22px}
.track li{counter-increment:s;display:grid;grid-template-columns:40px 1fr;gap:16px}
.track li::before{content:counter(s);width:40px;height:40px;border-radius:50%;display:grid;place-items:center;font:400 18px Marcellus,serif}
.track li b{display:block;font-weight:600;font-size:16.5px}
.track li span{display:block;margin-top:4px;font-size:15.5px}
.track-dark{background:var(--black);color:var(--white)}
.track-dark li::before{background:var(--gold);color:#111}
.track-dark li span{color:#cdcdcd}
.track-light{background:#fff;border:1px solid var(--paper-line)}
.track-light li::before{background:var(--black);color:var(--gold-soft)}
.track-light li span{color:var(--text-mute)}
.track .btn{margin-top:30px}
@media (max-width:600px){.track{padding:26px}}

.form-band{display:grid;grid-template-columns:1fr .92fr;gap:64px;align-items:center}
@media (max-width:960px){.form-band{grid-template-columns:1fr;gap:36px}}
.faq-group{margin-top:44px}
.faq-group:first-child{margin-top:0}
.faq-group h3{font-size:26px;margin-bottom:18px}
.svc .more{margin-top:14px;font-size:15px;font-weight:500;text-decoration:underline;text-underline-offset:4px;align-self:flex-start}
.svc-fund .more{color:var(--gold-soft)}
.svc-tax .more{color:var(--text)}

/* ---- press, R&D band, client quotes ---- */
.rd-band{background:var(--gold);color:#111;padding:72px 0}
.rd-band .wrap{display:grid;grid-template-columns:1fr auto;gap:48px;align-items:center}
.rd-band h2{font-size:clamp(30px,4.2vw,50px);line-height:1.1}
.rd-band p{margin-top:16px;font-size:17px;max-width:640px;color:#2b2414}
.rd-band .btn{white-space:nowrap}
@media (max-width:860px){.rd-band{padding:52px 0}.rd-band .wrap{grid-template-columns:1fr;gap:28px}.rd-band .btn{justify-self:start}}
.pressq{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:44px}
.pressq figure{margin:0;background:#fff;border:1px solid var(--paper-line);border-radius:18px;padding:34px;display:flex;flex-direction:column}
.pressq img{height:64px;width:auto;align-self:flex-start;margin-left:-8px}
.pressq blockquote{margin:22px 0 0;font-family:Marcellus,serif;font-size:clamp(19px,1.8vw,22px);line-height:1.45;color:var(--text)}
.pressq figcaption{margin-top:auto;padding-top:22px;font-size:14px;color:var(--text-mute)}
@media (max-width:860px){.pressq{grid-template-columns:1fr}.pressq figure{padding:26px}.pressq img{height:52px}}
.clients{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:44px}
.clients figure{margin:0;background:#fff;border:1px solid var(--paper-line);border-radius:16px;padding:28px;display:flex;flex-direction:column}
.clients blockquote{margin:0;font-size:15.5px;line-height:1.6;color:var(--text)}
.clients figcaption{margin-top:auto;padding-top:20px;font-size:14px;font-weight:500;color:var(--text-mute)}
.clients .stars{color:var(--gold-deep);letter-spacing:3px;font-size:15px;margin-bottom:14px}
@media (max-width:960px){.clients{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.clients{grid-template-columns:1fr}}
.page-hero.rd h1{font-size:clamp(34px,4.7vw,56px);max-width:960px}

/* ---- repayment calculator ---- */
.calc .gov{display:inline-block;font-size:13px;font-weight:600;color:#3a382f;background:#e9e4d7;border-radius:999px;padding:6px 12px;margin-bottom:14px}
.calc .amt{display:flex;align-items:center;gap:6px;margin-top:6px;border:1px solid #cfc8b6;border-radius:10px;background:#fff;padding:0 14px;height:56px}
.calc .amt span{font:400 26px Marcellus,serif;color:var(--text-mute)}
.calc .amt input{border:0;outline:0;background:transparent;width:100%;font:400 28px Marcellus,serif;color:var(--text);padding:0;height:auto}
.calc .amt:focus-within{border-color:var(--gold-deep);outline:2px solid rgba(198,166,100,.35)}
.calc input[type=range]{width:100%;margin:16px 0 2px;accent-color:#111;height:24px}
.calc .scale{display:flex;justify-content:space-between;font-size:12.5px;color:var(--text-mute)}
.calc .terms{display:grid;grid-template-columns:repeat(6,1fr);gap:6px;padding:5px;background:#e9e4d7;border-radius:12px}
.calc .terms label{position:relative;text-align:center;cursor:pointer}
.calc .terms input{position:absolute;opacity:0;inset:0;cursor:pointer}
.calc .terms span{display:block;padding:10px 0;border-radius:8px;font-size:14px;font-weight:500;color:var(--text-mute)}
.calc .terms input:checked+span{background:var(--black);color:var(--white)}
.calc .terms input:focus-visible+span{outline:2px solid var(--gold-deep);outline-offset:2px}
.calc .result{margin-top:18px;background:var(--black);color:var(--white);border-radius:14px;padding:20px 22px}
.calc .result small{display:block;font-size:13.5px;color:#c4c4c4}
.calc .result output{display:block;font:400 44px/1.1 Marcellus,serif;color:var(--gold-soft);margin-top:4px}
.calc .result output i{font-style:normal;font-size:17px;color:#c4c4c4;font-family:Inter,sans-serif}
.calc .result dl{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:16px 0 0;padding-top:14px;border-top:1px solid var(--line);font-size:13.5px}
.calc .result dt{color:#a9a9a9}
.calc .result dd{margin:2px 0 0;font-weight:600;font-size:15px}
.calc .fine{margin-top:10px;font-size:12px;line-height:1.5;color:var(--text-mute)}
.calc .step2 .summary{background:#e9e4d7;border-radius:12px;padding:14px 16px;font-size:14.5px;margin-top:16px}
.calc .step2 .summary b{font-weight:600}
.calc .back{display:block;margin:14px auto 0;background:none;border:0;font:500 14px Inter,sans-serif;color:var(--text-mute);text-decoration:underline;cursor:pointer}
.calc [hidden]{display:none!important}

.svc-fund .checks{color:#e4e4e4}
.svc-tax .checks{color:var(--text)}

.logo img{height:52px;width:auto}
footer .logo img{height:60px}