:root{--ink:#21123f;--purple:#321b68;--purple2:#472782;--pink:#f47bbb;--cream:#fffdf8;--mist:#f5f1fb;--line:#e3ddec;--muted:#655f70;--green:#dff6ea;--shadow:0 12px 35px rgba(33,18,63,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font:16px/1.55 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:inherit}button,input,select,textarea{font:inherit}button,a,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid rgba(244,123,187,.5);outline-offset:3px}.skip{position:fixed;left:12px;top:-80px;z-index:100;background:#fff;padding:10px 14px;border-radius:8px}.skip:focus{top:12px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.98);border-bottom:1px solid var(--line);box-shadow:0 4px 18px rgba(33,18,63,.04);backdrop-filter:blur(12px)}.nav-wrap{width:min(1220px,calc(100% - 32px));min-height:76px;margin:auto;display:flex;align-items:center;gap:28px}.logo{font-size:31px;font-weight:950;letter-spacing:-2px;text-decoration:none;margin-right:auto}.logo span{color:var(--pink)}.nav-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:10px 13px;font-weight:850}.nav{display:flex;align-items:center;gap:8px}.menu{position:relative}.menu summary{list-style:none;cursor:pointer;padding:13px 12px;border-radius:9px;font-weight:800}.menu summary::-webkit-details-marker{display:none}.menu summary:after{content:'⌄';display:inline-block;margin-left:5px;transition:transform .18s}.menu[open] summary:after{transform:rotate(180deg)}.menu[open] summary,.menu summary:hover,.menu summary.active{background:var(--mist)}.menu-panel{position:absolute;top:53px;right:0;width:270px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);padding:9px}.menu-panel a{display:block;text-decoration:none;padding:11px 12px;border-radius:9px;font-weight:700}.menu-panel a:hover,.menu-panel a:focus,.menu-panel a[aria-current="page"]{background:var(--mist);outline:none;color:var(--purple)}.menu-panel .menu-all{border-bottom:1px solid var(--line);border-radius:8px 8px 0 0;margin-bottom:5px;color:var(--purple);font-weight:900}.nav-direct{font-weight:800;text-decoration:none;padding:13px 12px;border-radius:9px}.nav-direct:hover{background:var(--mist)}.island-menu{margin-left:auto}.island-menu summary{background:var(--mist);border:1px solid #e3daf0;border-radius:999px;padding:9px 13px}.island-menu .menu-panel{width:390px;padding:12px;border-radius:20px;box-shadow:0 24px 65px rgba(33,18,63,.2)}.island-group{display:grid;gap:8px;padding:8px}.island-group+.island-group{border-top:1px solid var(--line);margin-top:4px;padding-top:16px}.island-name{display:flex;align-items:center;gap:8px;font-size:11px;font-weight:950;text-transform:uppercase;letter-spacing:.11em;color:var(--muted);padding:0 4px 2px}.island-current{background:#fce4f2;color:#7b2758;border-radius:999px;padding:3px 7px;font-size:9px;letter-spacing:.04em}.island-destination{display:grid!important;grid-template-columns:38px minmax(0,1fr) 18px;align-items:center;gap:11px;padding:12px!important;border:1px solid #ece5f4;border-radius:14px!important;background:#fff;font-weight:inherit!important;transition:transform .15s,border-color .15s,box-shadow .15s}.island-destination.island-link-main{background:linear-gradient(135deg,#faf7ff,#fff8fc)}.island-destination:hover,.island-destination:focus{transform:translateX(2px);border-color:#cdbce5;box-shadow:0 8px 20px rgba(50,27,104,.09);background:#fff!important}.island-icon{display:grid;place-items:center;width:38px;height:38px;border-radius:11px;background:var(--purple);color:#fff;font-size:17px;font-weight:950}.island-link-property .island-icon{background:#f1eafa;color:var(--purple);font-size:21px}.island-copy{display:block;min-width:0}.island-copy b{display:block;font-size:16px;line-height:1.2;letter-spacing:-.2px}.island-copy small{display:block;color:var(--muted);font-size:11px;font-weight:650;line-height:1.35;margin-top:3px}.island-arrow{display:block;color:var(--purple);font-size:18px;font-weight:900;text-align:right}.island-group.other .island-link-main .island-icon{background:var(--pink);color:var(--ink)}
.page-crumbs{background:#fff;border-bottom:1px solid var(--line)}.page-crumbs ol{width:min(1180px,calc(100% - 36px));margin:auto;padding:10px 0;display:flex;align-items:center;gap:7px;list-style:none;font-size:13px;color:var(--muted);overflow:auto;white-space:nowrap}.page-crumbs li+li:before{content:'›';margin-right:7px;color:#9a91a5}.page-crumbs a{font-weight:750;text-decoration:none}.page-crumbs a:hover{text-decoration:underline;color:var(--purple)}
.home-hero{background:radial-gradient(circle at 12% 12%,#4c2b86 0,transparent 31%),linear-gradient(135deg,var(--purple),#211040);color:#fff;min-height:440px;padding:70px 20px 72px;display:grid;place-items:center;overflow:hidden;position:relative}.home-hero:before,.home-hero:after{content:'';position:absolute;border-radius:50%;border:1px solid rgba(255,255,255,.08);background:rgba(255,255,255,.035)}.home-hero:before{width:430px;height:430px;left:-130px;top:-200px}.home-hero:after{width:520px;height:520px;right:-180px;bottom:-320px}.hero-inner{width:min(950px,100%);text-align:center;position:relative;z-index:1}.hero-kicker{display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.08);border-radius:999px;padding:7px 12px;margin-bottom:18px;font-size:13px;font-weight:800;color:#f7f1ff}.hero-kicker:before{content:'';width:8px;height:8px;background:var(--pink);border-radius:50%}.home-hero h1{font-size:clamp(44px,7vw,78px);line-height:.98;letter-spacing:-4px;margin:0 0 20px}.home-hero p{font-size:clamp(18px,2vw,22px);color:#eee8ff;margin:0 auto 30px;max-width:760px}.chooser{background:#fff;border:2px solid #d7cfee;border-radius:18px;padding:10px;display:flex;gap:10px;box-shadow:0 20px 50px rgba(0,0,0,.2)}.chooser select{flex:1;min-width:0;border:0;background:#fff;color:var(--ink);padding:15px 18px;font-size:19px;font-weight:750;outline:none}.chooser:focus-within{border-color:var(--pink);box-shadow:0 0 0 4px rgba(244,123,187,.18),0 20px 50px rgba(0,0,0,.2)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:11px;background:var(--pink);color:var(--ink);padding:15px 22px;font-weight:900;text-decoration:none;cursor:pointer;transition:transform .15s,filter .15s}.btn:hover{filter:brightness(.97);transform:translateY(-1px)}.btn.secondary{background:#fff;border:1px solid var(--line)}
.words{width:min(960px,calc(100% - 36px));margin:auto;padding:54px 0 62px;text-align:center}.words h2{font-size:clamp(30px,4vw,43px);letter-spacing:-1.5px;margin:0 0 12px}.words p{font-size:19px;color:var(--muted);margin:0 auto 16px;max-width:760px}.trust-row,.data-proof{display:flex;justify-content:center;flex-wrap:wrap;gap:10px;margin-top:24px}.trust-row span,.data-proof a{background:var(--mist);border:1px solid #ebe4f4;border-radius:999px;padding:9px 13px;font-size:14px;font-weight:800;text-decoration:none}.data-proof a:hover{background:#eee6fa;color:var(--purple)}
.hub-intro{max-width:820px;margin-bottom:28px}.hub-intro h2{font-size:32px;letter-spacing:-1px;margin:0 0 8px}.hub-intro p{font-size:18px;color:var(--muted)}.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.hub-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;text-decoration:none;min-height:190px;box-shadow:0 7px 20px rgba(33,18,63,.04);transition:transform .15s,border-color .15s,box-shadow .15s}.hub-card:hover{transform:translateY(-2px);border-color:#cfc1e3;box-shadow:var(--shadow)}.hub-card h2{font-size:22px;line-height:1.2;margin:0 0 8px}.hub-card p{color:var(--muted);margin:0 0 18px}.hub-card span{margin-top:auto;color:var(--purple);font-weight:900}.trust-panel{margin-top:30px;background:var(--mist);border-radius:16px;padding:22px}.trust-panel h2{font-size:22px;margin:0 0 5px}.trust-panel p{margin:0;color:var(--muted)}
.page-hero{background:var(--purple);color:#fff;padding:54px 20px}.page-hero .wrap{display:grid;grid-template-columns:1.45fr .75fr;gap:55px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:13px;font-weight:900;color:#ddcef8}.page-hero h1{font-size:clamp(40px,6vw,67px);line-height:1;letter-spacing:-3px;margin:9px 0 18px}.page-hero .lead{font-size:20px;color:#eee8ff;max-width:720px}.tick-list{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);border-radius:18px;padding:22px;margin:0;list-style:none}.tick-list li{padding:8px 0 8px 29px;position:relative}.tick-list li:before{content:'✓';position:absolute;left:0;color:var(--pink);font-weight:900}
.evidence-hero .wrap{grid-template-columns:1.15fr .7fr .55fr}.evidence-hero img{width:100%;height:230px;object-fit:cover;border-radius:22px;box-shadow:0 18px 40px rgba(20,8,50,.22)}.evidence-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.evidence-card{padding:0;overflow:hidden;display:flex;flex-direction:column}.evidence-card>img{width:100%;height:150px;object-fit:cover}.evidence-card-body{padding:22px;display:flex;flex-direction:column;flex:1}.evidence-card h2{font-size:24px;line-height:1.08;margin:8px 0 10px}.evidence-card h2 a{text-decoration:none}.evidence-card p{color:var(--muted);line-height:1.55}.evidence-card .btn{margin-top:auto;width:max-content}
.wrap{width:min(1180px,calc(100% - 36px));margin:auto}.content{padding:48px 0 65px}.intro-grid{display:grid;grid-template-columns:.7fr 1.3fr;gap:38px;align-items:start}.side-note{background:var(--mist);border-radius:16px;padding:22px;position:sticky;top:100px}.side-note h2{font-size:23px;margin:0 0 8px}.side-note p{color:var(--muted);font-size:14px}.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:0 8px 25px rgba(33,18,63,.06)}.panel h2{font-size:30px;letter-spacing:-.8px;margin:0 0 7px}.panel>p{color:var(--muted);margin-top:0}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field label{display:block;font-size:14px;font-weight:850;margin:0 0 6px}.field input,.field select,.field textarea{width:100%;border:1px solid #cfc7d8;border-radius:9px;background:#fff;padding:13px;color:var(--ink)}.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid rgba(244,123,187,.25);border-color:var(--pink)}.field small{display:block;color:var(--muted);margin-top:4px}.form-divider{height:1px;background:var(--line);margin:24px 0}.consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;margin:18px 0}.consent input{margin-top:4px}.legal-note{font-size:13px;color:var(--muted);margin-top:16px}.website-field{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}.turnstile-wrap{min-height:65px;margin:14px 0}.form-error{background:#fff0f4;border-left:4px solid #b42352;border-radius:8px;padding:12px 14px;color:#7d1739;font-weight:750}
.rates-controls{display:grid;grid-template-columns:repeat(auto-fit,minmax(145px,1fr));gap:12px;margin:22px 0}.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:13px}.rates{border-collapse:collapse;width:100%;min-width:1160px;background:#fff}.rates th,.rates td{text-align:left;padding:13px 12px;border-bottom:1px solid var(--line);vertical-align:top}.rates th{background:var(--mist);font-size:12px;text-transform:uppercase;letter-spacing:.05em;position:sticky;top:0}.rates td:first-child{font-weight:900}.rate{font-size:19px;color:var(--purple)}.empty{padding:25px;text-align:center;color:var(--muted)}.source-note{font-size:13px;color:var(--muted);margin-top:14px}.source-note a{font-weight:800}.result-count{font-weight:850;margin:8px 0 14px}.results-stack{display:grid;gap:14px}.deal-card{display:grid;grid-template-columns:1.35fr repeat(2,.65fr) 1fr auto;gap:20px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:15px;padding:20px}.deal-card[hidden]{display:none}.deal-card h3{font-size:21px;margin:2px 0 5px}.deal-card p{font-size:13px;color:var(--muted);margin:0}.provider{color:var(--purple);font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.08em}.metric b{display:block;font-size:21px}.metric small{color:var(--muted)}.deal-feature{font-size:14px}.deal-card .btn{padding:12px 16px}.provider-note{background:var(--mist);border-radius:13px;padding:16px;margin-top:20px}.provider-note p{margin:5px 0;font-size:14px;color:var(--muted)}.rate-history{font-size:12px;min-width:130px}.rate-history summary{cursor:pointer;font-weight:850;color:var(--purple)}.rate-history table{border-collapse:collapse;margin-top:7px;min-width:180px}.rate-history td{padding:4px 8px 4px 0!important;border:0!important;font-weight:400!important;white-space:nowrap}.history-note{font-size:12px;color:var(--muted)}.deal-history{grid-column:1/-1;background:var(--mist);border-radius:10px;padding:10px 12px}.deal-history .rate-history table{min-width:260px}
.result-actions{display:flex;justify-content:center;gap:10px;margin:16px 0 4px}.result-actions .btn{padding:11px 18px}.insurance-flow{display:grid;gap:28px}.estimate-panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:0 8px 25px rgba(33,18,63,.06)}.estimate-panel h2{font-size:30px;letter-spacing:-.8px;margin:0 0 7px}.estimate-panel>p{color:var(--muted);margin-top:0}.estimate-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(175px,1fr));gap:14px;margin:22px 0}.estimate-output{display:grid;grid-template-columns:1fr auto;gap:22px;align-items:center;background:var(--mist);border-left:5px solid var(--pink);border-radius:13px;padding:20px}.estimate-output strong{display:block;font-size:28px;line-height:1.15}.estimate-output span{font-size:13px;color:var(--muted)}.indicative-wrap{margin-top:18px}.indicative-table{min-width:650px}.indicative-table td:nth-child(2){font-weight:850}.estimate-warning{font-size:13px;color:var(--muted);margin:15px 0 0}.estimate-warning b{color:var(--ink)}
.quote-progress{display:flex;align-items:center;gap:0;list-style:none;padding:0;margin:0 0 24px;counter-reset:quote-step}.quote-progress li{display:flex;align-items:center;gap:8px;color:var(--muted);font-size:13px;font-weight:850;flex:1}.quote-progress li:before{counter-increment:quote-step;content:counter(quote-step);display:grid;place-items:center;width:29px;height:29px;border-radius:50%;background:#eeeaf5;color:var(--muted)}.quote-progress li:first-child:after{content:"";height:2px;background:var(--line);flex:1;margin:0 12px}.quote-progress li.active{color:var(--purple)}.quote-progress li.active:before,.quote-progress li.complete:before{background:var(--purple);color:#fff}.quote-progress li.complete:first-child:after{background:var(--pink)}.estimate-cta-note{display:block;margin-top:5px;color:var(--muted);font-size:12px}.indicative-table tr.selected td{background:#fff5fb}.indicative-table tr.selected td:first-child{box-shadow:inset 4px 0 0 var(--pink)}.choice-btn{border:2px solid var(--purple);background:#fff;color:var(--purple);border-radius:9px;padding:8px 11px;font:inherit;font-size:12px;font-weight:850;white-space:nowrap;cursor:pointer}.choice-btn:hover,.choice-btn.selected{background:var(--purple);color:#fff}.full-quote-panel{border:2px solid #dacff0;box-shadow:0 18px 45px rgba(33,18,63,.12)}.quote-step-label{color:var(--purple);font-size:13px;font-weight:900;text-transform:uppercase;letter-spacing:.05em}.quote-summary{background:var(--mist);border-radius:12px;padding:14px 16px;margin:15px 0 22px;color:var(--ink);font-weight:750}.quote-trust{display:flex;flex-wrap:wrap;gap:8px 18px;color:var(--muted);font-size:12px;margin:12px 0}.quote-trust span:before{content:"✓";color:var(--teal);font-weight:900;margin-right:5px}
.guide{padding:46px 0 70px}.breadcrumbs{font-size:13px;color:var(--muted);margin-bottom:24px}.breadcrumbs a{font-weight:800}.guide-meta{font-size:13px;color:var(--purple);font-weight:800;margin:-12px 0 25px}.guide-layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:34px;align-items:start}.guide article{min-width:0}.guide article>h2{font-size:31px;letter-spacing:-1px;margin:38px 0 10px}.guide article>h2:first-child{margin-top:0}.guide article h3{font-size:21px;margin:25px 0 7px}.guide article p,.guide article li{color:#4f4859}.guide .answer{background:var(--mist);border-left:5px solid var(--pink);border-radius:13px;padding:20px;font-size:18px;color:var(--ink);margin:0 0 28px}.guide-side{position:sticky;top:100px;display:grid;gap:14px}.guide-card{background:#fff;border:1px solid var(--line);border-radius:15px;padding:19px}.guide-card h2,.guide-card h3{font-size:19px;margin:0 0 7px}.guide-card p{font-size:13px;color:var(--muted);margin:0 0 13px}.guide-card .btn{width:100%;padding:12px}.mini-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);margin:18px 0 8px}.mini-table th,.mini-table td{padding:12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.mini-table th{background:var(--mist);font-size:12px;text-transform:uppercase;letter-spacing:.04em}.mini-table td:first-child{font-weight:800}.guide-calculator{background:#fff;border:1px solid var(--line);border-radius:15px;padding:20px;margin:22px 0}.guide-calculator h2,.guide-calculator h3{margin-top:0}.guide-result{font-size:24px;font-weight:900;color:var(--purple);margin-top:15px}.related-links{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:20px}.related-links a{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px;font-weight:850;text-decoration:none}.related-links a:hover{background:var(--mist)}
.info-page{padding:60px 0}.info-page h1{font-size:48px;letter-spacing:-2px}.info-page h2{margin-top:34px}.info-page p,.info-page li{max-width:780px;color:var(--muted)}.info-page .content-meta{font-size:13px;color:var(--purple);font-weight:800;margin-top:-12px;margin-bottom:28px}
.rabbit-run{position:fixed;z-index:70;width:135px;left:-180px;bottom:12px;pointer-events:none;display:none}.rabbit-run.go{display:block;animation:rabbit-cross 6.5s linear forwards}@keyframes rabbit-cross{to{transform:translateX(calc(100vw + 350px))}}
footer{background:#21123f;color:#ddd4ec;padding:30px 0}.footer-inner{display:flex;gap:28px;align-items:flex-start}.footer-copy{max-width:690px;margin-right:auto;font-size:13px}.footer-links{display:flex;flex-wrap:wrap;gap:15px}.footer-links a{color:#fff;font-size:13px;font-weight:750}
.thanks{min-height:60vh;display:grid;place-items:center;text-align:center;padding:40px}.thanks-card{max-width:620px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:42px;box-shadow:var(--shadow)}
@media(max-width:900px){.nav-toggle{display:block}.nav{display:none;position:absolute;left:0;right:0;top:76px;max-height:calc(100vh - 76px);overflow:auto;background:#fff;border-bottom:1px solid var(--line);padding:12px 16px 18px;align-items:stretch;flex-direction:column;box-shadow:0 18px 28px rgba(33,18,63,.12)}.nav.open{display:flex}.menu summary,.nav-direct{display:block}.menu-panel{position:static;width:auto;box-shadow:none;margin:4px 0 8px}.island-menu .menu-panel{width:min(100%,430px);margin:8px 0 8px auto;box-shadow:0 16px 40px rgba(33,18,63,.13)}.page-hero .wrap,.intro-grid,.guide-layout{grid-template-columns:1fr}.side-note,.guide-side{position:static}.rates-controls{grid-template-columns:repeat(3,1fr)}.deal-card{grid-template-columns:1fr 1fr}.deal-card>div:first-child,.deal-card>a{grid-column:1/-1}.deal-card>a{width:max-content}.hub-grid{grid-template-columns:repeat(2,1fr)}}
/* 2026 serious editorial direction: restrained navy, stone and brass; evidence first. */
:root{--ink:#172235;--purple:#18314f;--purple2:#274763;--pink:#c39a5c;--cream:#f6f4ef;--mist:#eceff1;--line:#d8d8d2;--muted:#596474;--green:#e5eee9;--shadow:0 18px 45px rgba(15,31,49,.12)}
body{font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}.site-header{box-shadow:none;border-bottom-color:#cfd3d5}.logo{letter-spacing:-1.2px}.logo span{color:#9b7440}.menu summary,.nav-direct{border-radius:3px}.home-hero{min-height:590px;background:linear-gradient(90deg,rgba(10,24,41,.94) 0%,rgba(10,24,41,.82) 43%,rgba(10,24,41,.36) 74%,rgba(10,24,41,.2) 100%),url('/isle-of-man.jpg') center/cover no-repeat;place-items:center start;padding:92px 20px}.home-hero:before,.home-hero:after{display:none}.hero-inner{text-align:left;width:min(1180px,100%)}.home-hero h1{max-width:760px;font-family:Georgia,"Times New Roman",serif;font-weight:500;letter-spacing:-2.5px}.home-hero p{margin:0 0 34px;max-width:680px;color:#eef1f3}.hero-kicker{border:0;border-left:2px solid var(--pink);border-radius:0;background:transparent;padding:2px 0 2px 12px;text-transform:uppercase;letter-spacing:.12em}.hero-kicker:before{display:none}.chooser{max-width:760px;border-radius:3px;border:1px solid rgba(255,255,255,.45);padding:7px;box-shadow:0 18px 50px rgba(0,0,0,.28)}.btn{border-radius:3px;background:var(--pink);color:#15243a}.words{padding-top:58px}.section-kicker,.section-heading span{display:block;color:#8b693c;font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.16em}.words h2,.section-heading h2{font-family:Georgia,"Times New Roman",serif;font-weight:500;color:var(--purple)}.data-proof a,.panel,.deal-card,.hub-card,.guide-card,.evidence-card{border-radius:3px}.page-hero{background:var(--purple);padding:68px 20px}.page-hero h1{font-family:Georgia,"Times New Roman",serif;font-weight:500;letter-spacing:-1.5px}.editorial-figure{margin:0;position:relative}.editorial-figure img{width:100%;aspect-ratio:16/10;object-fit:cover;display:block;border:1px solid rgba(255,255,255,.25)}.editorial-figure figcaption{position:absolute;right:8px;bottom:7px;background:rgba(10,24,41,.78);padding:4px 7px;font-size:10px;color:#e8ecef}.evidence-card{overflow:hidden}.evidence-card img{filter:saturate(.82) contrast(1.03)}footer{background:#102238;color:#d8dee5}
.tool-layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:28px;align-items:start}.tool-panel{background:#fff;border:1px solid var(--line);padding:30px;box-shadow:var(--shadow)}.tool-fields{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:24px 0}.money-input{display:flex;align-items:center;border:1px solid var(--line);background:#fff}.money-input:focus-within{border-color:var(--purple);box-shadow:0 0 0 3px rgba(24,49,79,.12)}.money-input span{padding:0 0 0 13px;color:var(--muted);font-weight:800}.money-input.suffix span{padding:0 13px 0 0}.money-input input{width:100%;min-width:0;border:0;padding:13px;outline:0;background:transparent}.tool-results{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);background:var(--mist)}.tool-results div{padding:20px}.tool-results div+div{border-left:1px solid var(--line)}.tool-results span{display:block;color:var(--muted);font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.05em}.tool-results strong{display:block;margin-top:5px;font-family:Georgia,"Times New Roman",serif;font-size:27px;color:var(--purple)}.tool-context{display:grid;gap:14px}.tool-link{display:block;padding:10px 0;border-top:1px solid var(--line);font-weight:850;text-decoration:none}.tool-link:hover{text-decoration:underline}
@media(max-width:900px){.tool-layout{grid-template-columns:1fr}.tool-context{grid-template-columns:repeat(2,1fr)}.tool-context .guide-card:last-child{grid-column:1/-1}}
@media(max-width:620px){.tool-panel{padding:20px}.tool-fields,.tool-results,.tool-context{grid-template-columns:1fr}.tool-context .guide-card:last-child{grid-column:auto}.tool-results div+div{border-left:0;border-top:1px solid var(--line)}}
@media(max-width:620px){.nav-wrap{min-height:68px}.nav{top:68px;max-height:calc(100vh - 68px)}.logo{font-size:29px}.nav-toggle{padding:9px 12px}.island-menu .menu-panel{width:100%;padding:8px;border-radius:16px}.island-group{padding:7px 5px}.island-destination{padding:10px!important}.home-hero{min-height:540px;padding:70px 16px 60px;background-position:64% center}.hero-kicker{margin-bottom:15px}.home-hero h1{letter-spacing:-1.5px}.chooser{flex-direction:column}.chooser select{font-size:17px}.btn{width:100%}.page-hero{padding:52px 18px}.page-hero h1{letter-spacing:-1px}.page-hero .wrap{gap:25px}.content{padding-top:30px}.form-grid,.rates-controls,.estimate-grid,.estimate-output,.related-links,.hub-grid{grid-template-columns:1fr}.panel,.estimate-panel{padding:21px}.mini-table{font-size:14px}.mini-table th,.mini-table td{padding:9px}.footer-inner{display:block}.footer-links{margin-top:18px}.result-actions{display:block}.result-actions .btn+.btn{margin-top:8px}.rabbit-run{width:105px}.rates{min-width:0;background:transparent}.rates thead{display:none}.rates tbody,.rates tr,.rates td{display:block;width:100%}.rates tbody{padding:10px}.rates tr{background:#fff;border:1px solid var(--line);border-radius:3px;padding:14px;margin-bottom:12px;box-shadow:0 5px 16px rgba(33,18,63,.05)}.rates td{display:grid;grid-template-columns:108px minmax(0,1fr);gap:10px;padding:7px 0;border:0}.rates td:before{color:var(--muted);font-size:11px;font-weight:850;text-transform:uppercase;letter-spacing:.04em}.rates td:nth-child(1):before{content:'Initial rate'}.rates td:nth-child(2):before{content:'Type'}.rates td:nth-child(3):before{content:'Deal'}.rates td:nth-child(4):before{content:'Max LTV'}.rates td:nth-child(5):before{content:'Fee'}.rates td:nth-child(6):before{content:'Monthly'}.rates td:nth-child(7):before{content:'History'}.rates td:nth-child(8):before{content:'Next step'}.rates td .btn{width:100%}.rate-history{min-width:0}}@media(prefers-reduced-motion:reduce){.rabbit-run{display:none!important}}

/* Goldmine: the same Choose theme with the Isle of Man destinations. */
.hero-inner{margin:auto}.current-island{white-space:nowrap;color:var(--muted);margin-left:12px}.nav-toggle{min-height:44px}.nav-direct{min-height:44px;display:inline-flex;align-items:center}.hero-kicker{font-size:13px}.section-kicker{font-size:12px}.data-proof a{display:inline-flex;align-items:center;gap:8px;min-height:44px}.photo-credit{font-size:12px;margin-top:16px}.footer-links a{display:inline-flex;align-items:center;min-height:44px}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.error-page{min-height:60vh}.chooser select:focus-visible,a:focus-visible,button:focus-visible{outline:3px solid #9b7440;outline-offset:3px}footer a:focus-visible{outline-color:#c39a5c}#np-site-navigation .np-home small{font-size:12px}#np-site-navigation .section-link{display:flex;align-items:center;min-height:44px;padding:9px 14px;border-radius:7px;font-size:13px;font-weight:600}.np-menus{align-items:center!important}.home-hero h1{overflow-wrap:normal}.btn{min-height:44px}
@media(min-width:901px){.nav-toggle{display:none}}@media(max-width:900px){html:not(.js) .nav-toggle{display:none}html:not(.js) .nav{display:flex;position:static;width:100%;flex-direction:row;flex-wrap:wrap;box-shadow:none}html:not(.js) .nav-wrap{flex-wrap:wrap}.nav.open{display:flex}.nav-direct{display:flex}.current-island{margin:0}.nav{gap:4px}.footer-inner{flex-wrap:wrap}}
@media(max-width:620px){.data-proof{display:grid;grid-template-columns:1fr}.data-proof a{justify-content:center}.home-hero{background-position:64% center}.words{padding:42px 0}.footer-copy p{margin:10px 0}.footer-links{margin-top:18px}.footer-links a{padding:4px 0}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}
/* Finance pages retain the Choose editorial design. */
.finance-home{padding-bottom:64px}.provider-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px;margin-top:24px}.provider-card{display:flex;flex-direction:column;min-width:0}.provider-card h3{font-family:Georgia,"Times New Roman",serif;font-weight:500;font-size:29px;line-height:1.2;margin:10px 0 18px}.provider-card dl{margin:0}.provider-card dt{font-size:12px;font-weight:850;text-transform:uppercase;letter-spacing:.04em;color:var(--muted);margin-top:16px}.provider-card dd{margin:4px 0 14px}.provider-card .btn{margin-top:auto;align-self:flex-start}.provider-card .source-note{padding-top:14px}.finance-tool{margin-top:42px;scroll-margin-top:96px}.finance-tool h2,.content>section>h2{font-family:Georgia,"Times New Roman",serif;font-size:32px;font-weight:500;line-height:1.2}.finance-tool .tool-fields{grid-template-columns:repeat(2,minmax(0,1fr))}.calculation-result{margin:22px 0;min-width:0}.tool-results strong{font-size:clamp(20px,2.5vw,27px);overflow-wrap:anywhere}.prose{max-width:860px}.prose section+section{margin-top:38px}.source-list{padding-left:20px}.source-list li{margin:10px 0}.source-list a{display:inline-block;padding:6px 0}.nav-direct[aria-current="page"]{background:var(--mist)}.source-note a{overflow-wrap:anywhere}.field input:focus-visible{outline:3px solid #9b7440;outline-offset:2px}
@media(max-width:700px){.provider-grid{grid-template-columns:1fr}.finance-tool .tool-fields{grid-template-columns:1fr}.finance-tool .tool-results{grid-template-columns:1fr}.finance-tool .tool-results div+div{border-left:0;border-top:1px solid var(--line)}.provider-card .btn{width:100%}.finance-home{padding-bottom:40px}}