:root{--orange: #e8881b;--orange-dark: #c76f10;--ink: #1f2732;--muted: #66717f;--soft: #f5f6f7;--line: #e4e8ed;--dark: #252525;--footer: #2b2b2b;--white: #ffffff;--max: 1160px;--shadow: 0 16px 45px rgba(19, 30, 43, .12);color-scheme:light;font-family:Poppins,Montserrat,Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--white);font-family:Poppins,Montserrat,Arial,sans-serif;line-height:1.65}img{max-width:100%;height:auto;display:block}a{color:inherit}a:hover{color:var(--orange)}:focus-visible{outline:3px solid var(--orange);outline-offset:3px}.container{width:min(100% - 40px,var(--max));margin:0 auto}.site-header .container{display:flex;align-items:center;justify-content:space-between;gap:24px}.site-header{position:sticky;top:0;z-index:50;background:#fffffff7;border-bottom:1px solid rgba(0,0,0,.08);backdrop-filter:blur(10px)}.site-header.is-overlay{position:absolute;inset:0 0 auto;background:linear-gradient(180deg,#00000094,#0000);border-bottom:0;color:#fff;backdrop-filter:none}.logo{width:162px;padding:13px 0}.nav{display:flex;align-items:center;gap:28px}.nav a{text-decoration:none;font-size:13px;font-weight:700;text-transform:uppercase;color:#2c2c2c}.site-header.is-overlay .nav a{color:#fff}.nav .nav-phone{font-weight:600;letter-spacing:0;text-transform:none}.nav a[aria-current=page]{color:var(--orange)}.nav .nav-cta{background:var(--orange);color:#fff;padding:12px 18px;border-radius:999px}.site-header.is-overlay .nav .nav-cta{color:#fff}.menu-toggle{display:none;border:0;background:transparent;width:44px;height:44px;color:var(--ink);cursor:pointer}.site-header.is-overlay .menu-toggle{color:#fff}.menu-toggle span,.menu-toggle:before,.menu-toggle:after{content:"";display:block;width:24px;height:2px;margin:5px auto;background:currentColor}.hero{min-height:680px;position:relative;color:#fff;display:grid;place-items:center;overflow:hidden;background:#111}.hero.home-hero{min-height:100svh}.hero.small{min-height:410px}.hero-media{position:absolute;inset:0}.hero-slide,.hero-media img{width:100%;height:100%}.hero-slide{position:absolute;inset:0;opacity:0;transition:opacity .9s ease}.hero-slide.active{opacity:1}.hero-media img{object-fit:cover}.hero:after{content:"";position:absolute;inset:0;background:#0000008c}.hero-content{position:relative;z-index:1;text-align:center;width:min(100% - 40px,940px);padding:86px 0 72px}.home-hero .hero-content{width:min(100% - 40px,1120px);padding-top:128px}.home-hero h1{font-weight:700;font-size:clamp(42px,4.7vw,66px);line-height:1.12}.home-hero p{font-size:clamp(18px,2vw,25px);max-width:900px}.hero-kicker,.section-kicker{color:var(--orange);font-size:12px;line-height:1.4;text-transform:uppercase;font-weight:700;letter-spacing:3px}.hero h1{font-family:Montserrat,Poppins,Arial,sans-serif;font-weight:300;font-size:clamp(42px,7vw,88px);line-height:1.05;margin:16px 0}.hero p{font-size:clamp(17px,2vw,22px);max-width:760px;margin:0 auto 30px}.button-row{display:flex;justify-content:center;gap:14px;flex-wrap:wrap}.home-hero .button-row{gap:18px 26px}.home-hero .button-row .button{min-width:220px}.hero-arrow{position:absolute;top:50%;z-index:2;display:grid;place-items:center;width:54px;height:70px;border:0;background:transparent;color:#fff;font-family:Montserrat,Poppins,Arial,sans-serif;font-size:72px;line-height:1;cursor:pointer;opacity:.86;transform:translateY(-50%)}.hero-arrow:hover,.hero-arrow:focus-visible{color:#fff;opacity:1}.hero-arrow.previous{left:14px}.hero-arrow.next{right:14px}.hero-dots{position:absolute;z-index:2;bottom:28px;left:50%;display:flex;gap:10px;transform:translate(-50%)}.hero-dots button{width:10px;height:10px;padding:0;border:1px solid white;border-radius:999px;background:transparent;cursor:pointer}.hero-dots button.active{background:#fff}.button,button.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:13px 22px;border:2px solid var(--orange);border-radius:999px;background:var(--orange);color:#fff;font-weight:800;font-size:13px;text-transform:uppercase;text-decoration:none;cursor:pointer}.button:hover{background:var(--orange-dark);border-color:var(--orange-dark);color:#fff}.button.secondary{background:transparent;color:#fff;border-color:#fff}.button.dark{background:#222;border-color:#222}section{padding:78px 0}.light{background:var(--soft)}.dark-band{background:#282828;color:#fff}.section-head{text-align:center;max-width:780px;margin:0 auto 48px}.section-head h2,.copy h2{margin:8px 0 14px;font-family:Montserrat,Poppins,Arial,sans-serif;font-size:clamp(28px,3vw,42px);line-height:1.2;font-weight:400}.section-head p,.copy p{color:var(--muted)}.dark-band .section-head p,.dark-band .copy p{color:#ddd}.divider{width:52px;height:3px;background:var(--orange);margin:16px auto 0}.grid{display:grid;gap:28px}.grid.four{grid-template-columns:repeat(4,minmax(0,1fr))}.grid.three{grid-template-columns:repeat(3,minmax(0,1fr))}.grid.two{grid-template-columns:repeat(2,minmax(0,1fr))}.feature,.card{background:#fff;border:1px solid var(--line);border-radius:6px;padding:30px;box-shadow:0 8px 24px #131e2b0f}.feature{text-align:center}.icon{width:66px;height:66px;display:grid;place-items:center;margin:0 auto 22px;border-radius:50%;background:var(--orange);color:#fff;font-size:27px}.card .icon{background:#fff;border:2px solid var(--orange);color:var(--orange)}.feature h3,.card h3{font-size:19px;margin:0 0 10px}.feature p,.card p{color:var(--muted);margin:0}.split{display:grid;grid-template-columns:minmax(0,.95fr) minmax(0,1.4fr);gap:58px;align-items:center}.split.reverse{grid-template-columns:minmax(0,1.4fr) minmax(0,.95fr)}.split img{border-radius:4px;box-shadow:var(--shadow)}.answer{border-left:4px solid var(--orange);background:#fff8ef;padding:22px 24px;margin:24px 0}.answer p:last-child{margin-bottom:0}.check-list{padding:0;margin:20px 0;list-style:none}.check-list li{position:relative;padding-left:28px;margin:10px 0}.check-list li:before{content:"OK";position:absolute;left:0;color:var(--orange);font-weight:800}.form-panel{background:#fff;border:1px solid var(--line);border-radius:6px;box-shadow:var(--shadow);padding:30px}.loan-form{display:grid;gap:18px}.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}label{display:grid;gap:7px;font-weight:700;font-size:14px}input,select,textarea{width:100%;border:1px solid #cfd7df;border-radius:4px;padding:13px 14px;font:inherit;color:var(--ink);background:#fff}textarea{resize:vertical;min-height:116px}.consent{color:var(--muted);font-size:13px}.hp{position:absolute;left:-9999px;opacity:0}.form-status{min-height:24px;font-weight:700}.form-status.error{color:#b42318}.form-status.success{color:#087443}.breadcrumbs{font-size:13px;color:var(--muted);margin-bottom:18px}.breadcrumbs a{text-decoration:none}.content{max-width:920px;margin:0 auto}.content h2{margin-top:38px}.site-footer{background:var(--footer);color:#fff}.site-footer .footer-main{padding:62px 0;display:grid;grid-template-columns:.9fr 1.35fr .9fr .95fr;gap:36px}.site-footer a{text-decoration:none}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:8px 0}.footer-link-grid{columns:2;column-gap:26px}.footer-link-grid li{break-inside:avoid;font-size:14px;line-height:1.35}.footer-logo{width:270px;margin:18px auto 0}.sub-footer{border-top:1px solid rgba(255,255,255,.12);padding:18px 0;color:#ccc;font-size:13px}.last-reviewed{color:var(--muted);font-size:13px;margin-top:28px}.notice{background:#fff7ed;border:1px solid #fed7aa;border-radius:6px;padding:18px;color:#7c2d12}@media(max-width:920px){.menu-toggle{display:block}.nav{position:absolute;inset:100% 0 auto;display:none;flex-direction:column;align-items:flex-start;gap:0;background:#fff;border-bottom:1px solid var(--line);padding:16px 20px 24px}.nav.open{display:flex}.site-header.is-overlay .nav a{color:#2c2c2c}.site-header.is-overlay .nav .nav-cta{color:#fff}.nav a{width:100%;padding:12px 0}.nav .nav-cta{width:auto;padding:12px 18px}.grid.four,.grid.three,.grid.two,.split,.split.reverse,.site-footer .footer-main{grid-template-columns:1fr}.footer-link-grid{columns:1}.hero{min-height:590px}.hero.home-hero{min-height:760px}.home-hero .button-row .button{min-width:min(100%,250px)}}@media(max-width:620px){.container{width:min(100% - 28px,var(--max))}section{padding:58px 0}.form-grid{grid-template-columns:1fr}.hero h1{font-size:42px}.home-hero .hero-content{padding-top:120px}.home-hero h1{font-size:40px}.hero-arrow{display:none}}
/* additions: icons, enquiry cover, calculator, hubs, partner panel */
.icon svg{width:30px;height:30px;display:block}
.check-list li:before{content:"";top:.45em;width:16px;height:9px;border-left:3px solid var(--orange);border-bottom:3px solid var(--orange);transform:rotate(-45deg)}
.form-panel h2{margin:0 0 6px;font-family:Montserrat,Poppins,Arial,sans-serif;font-weight:500;font-size:24px;line-height:1.25}
.ofb-wrap iframe{width:100%;border:0;min-height:620px;display:block}
.cover h3{margin:14px 0 4px;font-size:18px}.cover p{margin:0 0 14px;color:var(--muted);font-size:14px}
.cover-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.cover-grid button{display:flex;align-items:center;gap:10px;min-height:58px;padding:10px 14px;border:1px solid var(--line);border-radius:6px;background:#fff;color:var(--ink);font:inherit;font-weight:600;font-size:14px;text-align:left;cursor:pointer;transition:border-color .15s,background .15s}
.cover-grid button:hover,.cover-grid button:focus-visible{border-color:var(--orange);background:#fff8ef}
.cover-grid button svg{flex:none;width:26px;height:26px;color:var(--orange)}
.cover-skip{display:inline-block;margin-top:14px;font-size:13px;color:var(--muted);background:none;border:0;padding:0;cursor:pointer;text-decoration:underline}
.cover-chip{display:inline-flex;align-items:center;gap:8px;margin:0 0 6px;padding:6px 12px;border-radius:999px;background:#fff8ef;color:var(--orange-dark);font-size:13px;font-weight:700}
.cover-chip button{border:0;background:none;color:var(--muted);font:inherit;font-weight:600;cursor:pointer;text-decoration:underline}
.partner-panel .button{width:100%;margin:8px 0 12px}
.hub-group{margin:0 0 34px}.hub-group h3{font-family:Montserrat,Poppins,Arial,sans-serif;font-weight:500;font-size:22px;margin:0 0 14px}
.hub-links{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.hub-links a{display:block;background:#fff;border:1px solid var(--line);border-left:4px solid var(--orange);border-radius:6px;padding:16px 18px;text-decoration:none;box-shadow:0 8px 24px #131e2b0f}
.hub-links a strong{display:block;font-size:16px;line-height:1.35;margin-bottom:4px}
.hub-links a span{display:block;color:var(--muted);font-size:13px;line-height:1.5}
.copy ul.check-list{color:var(--ink)}
.mid-cta .copy h2{color:#fff}.mid-cta .copy p{color:#ddd}
.calc{display:grid;gap:16px}.calc .form-grid{gap:16px}
.calc output{display:block}
.calc-result{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:6px}
.calc-result div{background:var(--soft);border-radius:6px;padding:14px;text-align:center}
.calc-result strong{display:block;font-size:22px;color:var(--ink)}
.calc-result span{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:1px}
.calc-note{font-size:13px;color:var(--muted);margin:0}
input[type=range]{padding:0;border:0;accent-color:var(--orange)}
.faq-grid .card h3{font-size:17px}
@media(max-width:920px){.hub-links{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.hub-links,.cover-grid,.calc-result{grid-template-columns:1fr}}
.dark-band .card{color:var(--ink)}.dark-band .card h3{color:var(--ink)}
.split>*,.grid>*{min-width:0}@media(max-width:920px){.split,.split.reverse{grid-template-columns:minmax(0,1fr)}}