/* Premium motion layer: purely decorative, fast to render, and motion-safe. */
:root{--ewd-gold:#d5b98b;--ewd-ice:#dffef0}
body{overflow-x:hidden}
a:focus-visible,button:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid #81c9a3;outline-offset:4px}
.hero-premium{isolation:isolate;background:radial-gradient(ellipse at 80% 26%,#24484b 0%,transparent 39%),linear-gradient(125deg,#061c24 0%,#0a3033 54%,#102f39 100%)}
.hero-premium:before,.hero-premium:after{opacity:.34}
.hero-atmosphere{position:absolute;inset:0;z-index:0;pointer-events:none;overflow:hidden}
.atmosphere-light{position:absolute;width:60vw;height:60vw;border-radius:50%;filter:blur(65px);opacity:.2;will-change:transform}
.atmosphere-light-one{background:radial-gradient(circle,#6bd8b9 0%,#1d7b83 35%,transparent 72%);right:-26%;top:-65%;animation:light-drift-one 10s ease-in-out infinite alternate}
.atmosphere-light-two{background:radial-gradient(circle,#9cbbd4 0%,#477e86 31%,transparent 72%);right:25%;bottom:-90%;animation:light-drift-two 12s ease-in-out infinite alternate}
.atmosphere-lines{position:absolute;inset:-20%;background:repeating-linear-gradient(116deg,transparent 0,transparent 140px,#b6e8dc12 141px,transparent 142px);mask-image:linear-gradient(90deg,transparent 15%,#000 100%);animation:atmosphere-pan 8s linear infinite alternate}
@keyframes light-drift-one{0%{transform:translate3d(-4%,0,0) scale(.9)}100%{transform:translate3d(5%,8%,0) scale(1.1)}}
@keyframes light-drift-two{0%{transform:translate3d(0,3%,0)}100%{transform:translate3d(-5%,-3%,0)}}
@keyframes atmosphere-pan{0%{transform:translate3d(-2%,0,0)}100%{transform:translate3d(2%,-2%,0)}}
.hero-premium .hero-content{position:relative}.hero-premium h1{font-size:clamp(3.3rem,6.1vw,6rem);text-wrap:balance}
.hero-premium h1 em{background:linear-gradient(95deg,#c7f3df,#9cf0d2 50%,#f5e1b6);background-clip:text;-webkit-background-clip:text;color:transparent}
.hero-premium .hero-art{animation:hero-float 5s ease-in-out infinite alternate}
.hero-premium .review-badge{box-shadow:10px 14px 35px #061c1e55;backdrop-filter:blur(4px)}
.hero-premium .stat-sheet{box-shadow:18px 25px 70px #001b2066}
.hero-assurance{margin-top:35px;display:flex;gap:24px;flex-wrap:wrap;color:#b7d7ce;font-size:11px;letter-spacing:.015em}
.hero-assurance span{display:inline-flex;align-items:center;gap:8px}
.hero-assurance b{font:800 10px Manrope;color:#d1efdf;border:1px solid #7cb99c7c;border-radius:50%;width:24px;height:24px;display:grid;place-items:center}
@keyframes hero-float{from{transform:translateY(8px) rotate(-1deg)}to{transform:translateY(-12px) rotate(1deg)}}
.provider-ribbon{background:#f4f6f1;border-top:1px solid #d9e5de;border-bottom:1px solid #dae4dd;padding:49px 0 42px;overflow:hidden}
.ribbon-intro{display:grid;grid-template-columns:185px minmax(0,1fr) minmax(230px,360px);align-items:center;gap:30px;margin-bottom:28px}
.ribbon-kicker{font:800 10px Manrope,sans-serif;letter-spacing:.18em;color:#47796c;text-transform:uppercase}
.ribbon-intro h2{font-size:clamp(1.35rem,2.6vw,2rem);letter-spacing:-.05em}
.ribbon-intro p{margin:0;color:#667f78;font-size:12px;line-height:1.6}
.ribbon-window{overflow:hidden;position:relative;mask-image:linear-gradient(to right,transparent,#000 5%,#000 95%,transparent)}
.ribbon-track{display:flex;width:max-content;animation:provider-marquee 48s linear infinite}
.ribbon-window:hover .ribbon-track,.ribbon-window:focus-within .ribbon-track{animation-play-state:paused}
.ribbon-set{display:flex;align-items:stretch;gap:14px;flex-shrink:0;padding-right:14px}
.provider-mark{height:75px;min-width:205px;max-width:255px;padding:14px 18px;display:flex;align-items:center;gap:13px;background:#fff;border:1px solid #d9e3dc;border-radius:7px;color:#234344;box-shadow:0 7px 17px #102e3010;transition:background .2s,border-color .2s,transform .2s}
.provider-mark:hover{background:#e5f4eb;border-color:#7ac4a0;transform:translateY(-3px)}
.provider-mark-symbol{width:38px;height:38px;display:grid;place-items:center;background:#eaf1ed;border-radius:9px;font:800 21px/1 Manrope,sans-serif;color:#326d61;flex:none}
.provider-mark-name{font:800 clamp(12px,1vw,14px)/1.2 Manrope,sans-serif;white-space:normal;letter-spacing:-.025em;max-width:145px}
.provider-mark-arrow{margin-left:auto;color:#6fa28d;font-size:15px}
.provider-mark.mark-1 .provider-mark-symbol{background:#edf1e9;color:#536e3c}
.provider-mark.mark-2 .provider-mark-symbol{background:#e6edef;color:#345c79}
.provider-mark.mark-3 .provider-mark-symbol{background:#f1ede7;color:#8b6d42}
.provider-mark.mark-4 .provider-mark-symbol{background:#eef0ed;color:#586b63}
@keyframes provider-marquee{to{transform:translateX(-50%)}}
.ribbon-compact{padding:34px 0 30px;background:#e8eee9}
.ribbon-compact .ribbon-intro{margin-bottom:19px}.ribbon-compact .provider-mark{height:62px;min-width:185px;padding:10px 13px}
.ribbon-compact .provider-mark-symbol{height:32px;width:32px;font-size:17px}
.section-head h2{text-wrap:balance}
.card{border-radius:8px;position:relative;overflow:hidden;box-shadow:0 6px 20px #102d3105;transition:transform .3s ease,border-color .3s ease,box-shadow .3s ease}
.card:after{content:'';position:absolute;inset:auto -30% 0;height:3px;background:linear-gradient(90deg,transparent,#70bb98,transparent);transform:translateX(-90%);transition:transform .55s ease}
.card:hover:after{transform:translateX(90%)}
.card:hover{transform:translateY(-6px);box-shadow:0 18px 38px #102d3117}
.btn{transition:transform .24s ease,background .24s ease,box-shadow .24s ease,border-color .24s ease}
.btn:hover{box-shadow:0 9px 24px #204c4328}
.step{transition:transform .25s,border-color .25s}.step:hover{transform:translateY(-3px);border-color:#5aaf88}
.feature-panel{background:linear-gradient(145deg,#0f3137,#164849 74%,#235956)}
.feature-panel:before{animation:light-drift-two 9s ease-in-out infinite alternate}
.form-card{border-radius:8px;box-shadow:0 24px 65px #102d3118}
.form-card .btn:disabled{box-shadow:none}
.reveal-ready .reveal-on-scroll{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.reveal-ready .reveal-on-scroll.reveal-visible{opacity:1;transform:none}
@media(max-width:980px){.ribbon-intro{grid-template-columns:1fr;gap:8px}.ribbon-intro p{max-width:620px}.hero-premium .hero-art{display:none}.hero-premium .hero-content{max-width:800px}}
@media(max-width:700px){.hero-premium h1{font-size:clamp(2.75rem,11vw,4.1rem)}.hero-assurance{gap:10px 18px;margin-top:25px}.hero-assurance span{font-size:10px}.ribbon-intro{margin-bottom:22px}.ribbon-compact .ribbon-intro p{display:none}.provider-ribbon{padding:31px 0 29px}.provider-mark{height:64px;min-width:180px;padding:10px 13px}.provider-mark-symbol{height:33px;width:33px;font-size:17px}.provider-mark-name{font-size:12px}.hero-atmosphere .atmosphere-light{width:110vw;height:110vw}.card:hover{transform:none}}
@media(prefers-reduced-motion:reduce){.hero-atmosphere *,.hero-premium .hero-art,.ribbon-track,.feature-panel:before{animation:none!important}.reveal-ready .reveal-on-scroll{opacity:1;transform:none;transition:none}.btn,.card,.provider-mark,.step{transition:none}html{scroll-behavior:auto}}

/* Authentic city cinematography across the full hero, not decorative paper. */
.hero-premium{position:relative;isolation:isolate;overflow:hidden;background:#0a2529}
.hero-premium:before,.hero-premium:after{display:none!important}
.hero-city-scene{position:absolute;inset:0;z-index:0;overflow:hidden;background:#0b2831 url('/hero-city-poster.jpg') center center/cover no-repeat;pointer-events:none}
.hero-city-scene video{display:block;width:100%;height:100%;object-fit:cover;object-position:center 48%;filter:saturate(.9) contrast(1.09);transform:scale(1.025)}
.hero-city-scene:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,25,30,.94) 0%,rgba(5,30,36,.78) 45%,rgba(5,25,32,.42) 100%),linear-gradient(0deg,rgba(5,25,29,.57),transparent 55%)}
.hero-premium .hero-grid{position:relative;z-index:1;display:flex;align-items:center;min-height:665px}
.hero-premium .hero-content{width:100%;max-width:865px;padding:100px 0 92px}
.hero-premium h1{text-shadow:0 5px 35px #001a1c66}
.hero-premium .lede{max-width:755px;color:#d5e5e3;text-shadow:0 2px 10px #0217196e}
.hero-premium .hero-assurance{border-top:1px solid #ffffff35;padding-top:22px;max-width:760px}

/* Provider artworks are locally hosted, in the companies' actual colours. */
.provider-ribbon .provider-mark{position:relative;min-width:230px;max-width:275px;height:104px;display:flex;flex-direction:column;justify-content:center;align-items:center;gap:5px;padding:13px 21px 11px;border-radius:12px;background:#fff}
.provider-logo-img{display:block;max-width:190px;width:auto;height:51px;object-fit:contain;object-position:center;flex:none}
.provider-ribbon .provider-mark-name{font:700 11px/1.15 Manrope,sans-serif;letter-spacing:0;color:#536a69;text-align:center;max-width:225px;white-space:nowrap}
.provider-ribbon .provider-mark-arrow{position:absolute;right:11px;top:8px;font-size:12px;color:#799c8d}
.ribbon-compact .provider-mark{height:88px;min-width:210px;padding:10px 17px}
.ribbon-compact .provider-logo-img{height:44px;max-width:173px}
.provider-logo-hansard .provider-logo-img,.provider-logo-utmost .provider-logo-img,.provider-logo-investors-trust .provider-logo-img,.provider-logo-novia .provider-logo-img{height:57px;max-width:106px}
.provider-logo-zurich .provider-logo-img{max-width:158px;height:54px}
@media(max-width:700px){.hero-premium .hero-grid{min-height:610px}.hero-premium .hero-content{padding:72px 0}.hero-city-scene video{object-position:60% center}.hero-city-scene:after{background:linear-gradient(90deg,rgba(4,25,30,.92),rgba(5,30,36,.75)),linear-gradient(0deg,#061f27a8,transparent)}.provider-ribbon .provider-mark{min-width:194px;height:90px}.provider-logo-img{height:44px;max-width:157px}.provider-ribbon .provider-mark-name{font-size:10px}.provider-logo-hansard .provider-logo-img,.provider-logo-utmost .provider-logo-img,.provider-logo-investors-trust .provider-logo-img,.provider-logo-novia .provider-logo-img{height:46px}}
@media(prefers-reduced-motion:reduce){.hero-city-scene video{display:none}}

/* V9 composition fixes: media covers the whole hero and never competes with content. */
.hero-premium{min-height:min(790px,calc(100svh - 100px));background:#071e25!important}
.hero-premium .hero-city-scene{inset:0!important;width:100%!important;height:100%!important;max-width:none!important;position:absolute!important;display:block!important;overflow:hidden!important}
.hero-premium .hero-city-scene video{position:absolute!important;inset:0!important;width:100%!important;height:100%!important;max-width:none!important;max-height:none!important;display:block;object-fit:cover!important;object-position:50% 50%!important;transform:scale(1.04)}
.hero-premium .hero-city-scene:after{background:linear-gradient(90deg,rgba(2,19,24,.90) 0%,rgba(4,28,33,.79) 35%,rgba(4,29,34,.50) 78%,rgba(4,29,34,.48) 100%),linear-gradient(0deg,rgba(1,17,22,.60),transparent 60%)}
.hero-premium .hero-grid{min-height:min(790px,calc(100svh - 100px));width:100%;align-items:center!important}
.hero-premium .hero-content{max-width:775px;position:relative;padding:100px 0 102px!important}
.hero-premium h1{font-size:clamp(3.25rem,5.25vw,5.65rem);letter-spacing:-.075em;line-height:1.1;margin-bottom:24px}
.hero-premium .lede{font-size:clamp(16px,1.25vw,19px);max-width:660px;line-height:1.65}
.hero-premium .hero-note{color:#c6d9d3}
.hero-premium .hero-assurance{margin-top:30px}

/* Native dimensions must never make a brand artwork spill outside its card. */
.provider-ribbon .provider-mark{box-sizing:border-box!important;flex:0 0 238px;min-width:238px!important;max-width:238px!important;width:238px!important;height:108px!important;overflow:hidden!important;padding:12px 18px!important}
.provider-ribbon .provider-logo-img{display:block!important;width:175px!important;height:57px!important;max-width:175px!important;max-height:57px!important;min-width:0!important;min-height:0!important;object-fit:contain!important;object-position:center!important;flex:0 0 57px!important}
.provider-ribbon .provider-mark-name{font-size:10px!important;max-width:195px!important;overflow:hidden;text-overflow:ellipsis}
.provider-ribbon .provider-mark-arrow{right:9px;top:6px}
.provider-ribbon .ribbon-window{height:112px;overflow:hidden}
.provider-ribbon .ribbon-track,.provider-ribbon .ribbon-set{align-items:center}

/* Editorial interactive directory: contained media and clear, unobstructed copy. */
.provider-card-grid,.intent-grid{align-items:stretch;gap:18px}
.provider-card-grid .card,.intent-grid .card{padding:0!important;display:flex;flex-direction:column;overflow:hidden!important;min-height:unset;border:1px solid #d6e4de;border-radius:14px;background:#fff;box-shadow:0 10px 30px #0525250b}
.provider-card-grid .card:hover,.intent-grid .card:hover{border-color:#85c4aa;box-shadow:0 22px 48px #092c2e21;transform:translateY(-5px)}
.card-logo-wrap{height:111px;width:100%;background:#f3f7f4;display:flex;align-items:center;justify-content:center;overflow:hidden;padding:18px}
.card-provider-logo{display:block;width:185px!important;max-width:75%!important;height:65px!important;max-height:65px!important;object-fit:contain!important;object-position:center!important;flex:none!important}
.directory-card-body{display:flex;flex:1;flex-direction:column;min-width:0;padding:24px 27px 27px}
.directory-card-body h3{font-size:22px;line-height:1.18;letter-spacing:-.04em;margin:12px 0 13px}
.directory-card-body p{margin:0 0 25px;color:#617a76;font-size:14px;line-height:1.65;flex:1}
.directory-card-body .arrow{color:#286455;display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:800}
.directory-card-body .number{font:800 10px/1.2 Manrope,sans-serif;letter-spacing:.12em;color:#659b88}
.provider-card-grid .card:after,.intent-grid .card:after{display:none}
.service-card-image{position:relative;overflow:hidden;width:100%;height:185px;display:flex;align-items:flex-end;padding:20px;background:#0c393d}
.service-card-image:before{content:'';position:absolute;inset:-10%;background:linear-gradient(110deg,#0b283487,transparent),radial-gradient(circle at 75% 25%,#b4d5ca70,transparent 38%),repeating-linear-gradient(130deg,transparent 0,transparent 45px,#e4efe91e 46px,transparent 47px);transition:transform .8s ease,filter .6s ease}
.service-directory-card:hover .service-card-image:before{transform:scale(1.09) translate3d(0,-3px,0);filter:brightness(1.15)}
.service-card-change-adviser{background:linear-gradient(130deg,#14383d,#396a69 65%,#93ae9a)}
.service-card-fees-and-performance{background:linear-gradient(130deg,#142c42,#456980 60%,#b4c3bd)}
.service-card-withdrawal-options{background:linear-gradient(130deg,#162f2f,#456958 60%,#c1b78e)}
.service-image-label{position:relative;z-index:1;font:700 11px Manrope,sans-serif;letter-spacing:.18em;color:#e9fbef}
.intent-grid .directory-card-body{padding:26px 30px 34px}
.intent-grid .directory-card-body h3{font-size:clamp(23px,2vw,30px)}
.intent-grid .directory-card-body p{font-size:15px}

/* Motion is scoped to card interiors, without sliding graphics onto text. */
.reveal-ready .card.reveal-on-scroll{opacity:0;transform:translateY(18px);clip-path:inset(0 0 0 0 round 14px)}
.reveal-ready .card.reveal-on-scroll.reveal-visible{opacity:1;transform:translateY(0)}
.card-grid .card:nth-child(3n+2){transition-delay:.08s}
.card-grid .card:nth-child(3n){transition-delay:.16s}
@media(max-width:980px){.hero-premium .hero-content{max-width:720px}.provider-card-grid,.intent-grid{gap:16px}}
@media(max-width:700px){.hero-premium,.hero-premium .hero-grid{min-height:620px}.hero-premium .hero-content{padding:78px 0 74px!important}.hero-premium h1{font-size:clamp(2.75rem,10.5vw,4.2rem)}.provider-ribbon .provider-mark{flex-basis:198px;min-width:198px!important;max-width:198px!important;width:198px!important;height:98px!important}.provider-ribbon .provider-logo-img{width:150px!important;max-width:150px!important;height:50px!important;max-height:50px!important;flex-basis:50px!important}.provider-ribbon .ribbon-window{height:104px}.service-card-image{height:140px}.directory-card-body{padding:21px 22px 25px}.card-grid .card{transition-delay:0s!important}}
@media(prefers-reduced-motion:reduce){.hero-premium .hero-city-scene video{display:none!important}.reveal-ready .card.reveal-on-scroll{opacity:1;transform:none}.service-card-image:before{transition:none}}