/* United Financial Services — light editorial corporate system */
:root{--ink:#17232e;--muted:#68717a;--paper:#f8f7f3;--white:#fff;--line:#e7e3db;--gold:#ad7b3d;--gold-light:#e8d4b8;--navy:#172630;--soft:#f1eee7;--serif:"Playfair Display",Georgia,serif;--sans:"DM Sans",Arial,sans-serif;--max:1220px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--white);color:var(--ink);font-family:var(--sans);font-size:15px;line-height:1.65;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button,a,input,select,textarea{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #c79b62;outline-offset:3px}.container{width:min(var(--max),calc(100% - 56px));margin-inline:auto}.topline{background:#f1eee8;border-bottom:1px solid #e9e4db;color:#5f6263;font-size:11px;letter-spacing:.035em}.topline-inner{min-height:34px;display:flex;align-items:center;justify-content:space-between}.topline a{color:var(--ink);text-decoration:underline;text-underline-offset:3px}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);border-bottom:1px solid rgba(23,35,46,.09);backdrop-filter:blur(12px)}.nav-wrap{height:82px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{display:inline-flex;flex-direction:column;align-items:flex-start;line-height:1;flex-shrink:0}.brand-name{font-family:var(--serif);font-size:32px;letter-spacing:.055em;line-height:1.05}.brand-sub{font-size:9px;letter-spacing:.25em;margin-top:5px;padding-left:3px}.main-nav{display:flex;align-items:center;gap:27px}.main-nav a{font-size:12px;color:#505862;position:relative;padding-block:8px;white-space:nowrap}.main-nav a:hover,.main-nav a.active{color:var(--ink)}.main-nav a.active:after{content:"";height:2px;width:18px;background:var(--gold);position:absolute;bottom:0;left:0}.button{min-height:47px;display:inline-flex;align-items:center;justify-content:center;gap:15px;padding:0 21px;border:1px solid transparent;font-size:12px;font-weight:600;letter-spacing:.01em;transition:transform .2s ease,background .2s ease,border-color .2s ease;cursor:pointer}.button:hover{transform:translateY(-2px)}.button-dark{background:var(--navy);color:white}.button-dark:hover{background:#243a48}.button-outline{border-color:#bfc2c2;background:rgba(255,255,255,.5);color:var(--ink)}.button-outline:hover{border-color:var(--ink)}.button-light{background:#fff;color:var(--ink)}.button-light:hover{background:#f4eadb}.nav-cta{min-height:43px;padding-inline:17px;white-space:nowrap}.menu-toggle{display:none;border:0;background:transparent;padding:10px}.menu-toggle span{display:block;width:22px;height:1px;background:var(--ink);margin:6px}.hero{position:relative;min-height:570px;overflow:hidden;background:linear-gradient(90deg,#faf9f6 0%,rgba(250,249,246,.97) 31%,rgba(250,249,246,.68) 52%,rgba(250,249,246,.02) 78%),url("https://images.unsplash.com/photo-1519641471654-76ce0107ad1b?auto=format&fit=crop&w=2000&q=85") center 58%/cover no-repeat}.hero:after{content:"";position:absolute;inset:auto 0 0;height:100px;background:linear-gradient(0deg,rgba(248,247,243,.65),transparent);pointer-events:none}.hero-inner{position:relative;z-index:1;min-height:570px;display:flex;align-items:center}.hero-copy{max-width:670px;padding:56px 0 72px}.eyebrow{font-size:10px;font-weight:700;letter-spacing:.19em;color:var(--gold);margin:0 0 18px;text-transform:uppercase}.eyebrow-line{display:inline-block;width:27px;height:1px;background:var(--gold);vertical-align:middle;margin-right:10px}.hero h1,.page-hero h1{font-family:var(--serif);font-size:clamp(47px,5.3vw,72px);font-weight:500;letter-spacing:-.045em;line-height:1.07;margin:0 0 23px;max-width:760px}.hero h1 em,.page-hero h1 em{font-weight:500;color:var(--gold);font-style:normal}.hero-lede{font-size:16px;line-height:1.7;color:#525c65;max-width:490px;margin:0 0 27px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.hero-points{display:flex;gap:19px;flex-wrap:wrap;margin-top:32px;font-size:11px;color:#4e5962}.hero-points span{display:flex;align-items:center;gap:7px}.hero-points i{font-style:normal;display:inline-grid;place-items:center;background:#e8d9c3;color:#805c2f;width:18px;height:18px;border-radius:50%;font-size:11px}.hero-note{position:absolute;right:0;bottom:80px;width:205px;padding:23px;background:rgba(255,255,255,.91);border:1px solid rgba(255,255,255,.85);box-shadow:0 15px 45px #182a3512;backdrop-filter:blur(8px)}.note-index{font-size:9px;letter-spacing:.15em;color:#767b7d}.note-rule{height:1px;background:var(--gold-light);margin:16px 0}.hero-note p{font-family:var(--serif);font-size:20px;line-height:1.3;margin:0 0 22px}.text-link{font-size:12px;font-weight:600;display:inline-flex;align-items:center;gap:12px;border-bottom:1px solid #d7c3a8;padding-bottom:5px}.text-link span{color:var(--gold);font-size:17px}.section-pad{padding:88px 0}.intro-section{background:#fff}.intro-grid{display:grid;grid-template-columns:1fr .85fr;gap:90px;align-items:end}.intro-grid h2,.section-heading h2,.calculator-copy h2,.closing-inner h2,.prose h2,.faq-aside h2,.contact-intro h2{font-family:var(--serif);font-size:clamp(31px,3.5vw,45px);font-weight:500;line-height:1.18;letter-spacing:-.03em;margin:0}.intro-copy p{color:var(--muted);font-size:14px;margin:0 0 20px;max-width:550px}.services-section{background:var(--paper)}.section-heading{display:flex;align-items:end;justify-content:space-between;gap:40px;margin-bottom:34px}.section-heading .eyebrow{margin-bottom:12px}.heading-note{max-width:350px;color:var(--muted);font-size:12px;margin:0 0 5px}.service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.service-card{position:relative;min-height:280px;padding:26px 26px 23px;background:white;border:1px solid #ebe7df;display:flex;flex-direction:column;align-items:flex-start;transition:transform .2s,border-color .2s}.service-card:hover{transform:translateY(-4px);border-color:#c7ab86}.service-card-featured{background:#f2e9dc;border-color:#e8dac5}.service-number{font-size:10px;letter-spacing:.12em;color:#8c8e8d}.line-icon{align-self:flex-end;font-size:22px;color:var(--gold);margin-top:-2px}.service-card h3,.process-item h3{font-family:var(--serif);font-size:24px;font-weight:500;margin:22px 0 8px;line-height:1.25}.service-card p,.process-item p{font-size:12px;color:var(--muted);line-height:1.75;margin:0 0 25px;max-width:300px}.card-link{display:flex;justify-content:space-between;gap:20px;width:100%;margin-top:auto;font-size:11px;font-weight:600;border-top:1px solid #e9e5de;padding-top:14px}.card-link b{color:var(--gold);font-size:16px;font-weight:500}.calculator-band{background:var(--paper);padding-top:12px}.calculator-promo{background:var(--navy);color:white;display:grid;grid-template-columns:.9fr 1.1fr;gap:60px;padding:58px;align-items:center}.eyebrow-light{color:#d0a36b}.calculator-copy h2{font-size:clamp(32px,3.5vw,45px)}.calculator-copy>p:not(.eyebrow){color:#c1c9ce;font-size:13px;max-width:370px;margin:18px 0 25px}.mini-calculator{background:#fff;color:var(--ink);padding:27px 29px}.mini-calculator-head{display:flex;justify-content:space-between;font-size:9px;letter-spacing:.13em;margin-bottom:25px}.live-dot{color:#7d805e;letter-spacing:0}.mini-calculator label,.field-row{display:flex;justify-content:space-between;align-items:center;gap:15px;font-size:11px;color:#59636c;margin:14px 0 3px}.mini-calculator label strong,.field-row output{font-weight:600;color:var(--ink);font-size:12px}.mini-calculator input[type=range],.calculator-controls input[type=range]{width:100%;accent-color:var(--gold);cursor:pointer}.mini-result{display:flex;align-items:center;justify-content:space-between;border-top:1px solid var(--line);margin-top:23px;padding-top:19px}.mini-result span{display:block;font-size:10px;color:var(--muted)}.mini-result strong{display:block;font-family:var(--serif);font-size:30px;font-weight:500;line-height:1.3}.mini-result>a{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:white;font-size:20px}.process-section{background:#fff}.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--line)}.process-item{padding:24px 25px 0 0;margin-right:24px;position:relative}.process-item:not(:last-child):after{content:"";position:absolute;right:0;top:25px;bottom:0;width:1px;background:var(--line)}.process-item>span{font-size:10px;color:var(--gold);letter-spacing:.13em}.process-item h3{font-size:20px;margin-top:18px}.process-item p{max-width:220px}.closing-cta{background:var(--navy);color:white;padding:58px 0}.closing-inner{display:flex;align-items:center;justify-content:space-between;gap:35px}.closing-inner h2{font-size:clamp(30px,3.2vw,42px)}.closing-inner p:not(.eyebrow){color:#c4ccd0;margin:12px 0 0;font-size:13px}.site-footer{background:#f4f2ed;color:var(--ink)}.footer-main{padding:54px 0 45px;display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:35px}.brand-footer .brand-name{font-size:28px}.footer-brand p{font-size:12px;color:var(--muted);max-width:210px;margin-top:18px}.footer-main h4{font-size:11px;margin:5px 0 17px}.footer-main>div:not(:first-child) a{display:block;font-size:11px;color:#646b70;margin:10px 0}.footer-main a:hover,.footer-bottom a:hover{color:var(--gold)}.footer-bottom{border-top:1px solid #dfdcd5;padding:17px 0;display:flex;align-items:center;justify-content:space-between;gap:20px;font-size:10px;color:#747a7c}.page-hero{background:var(--paper);padding:86px 0 82px;border-bottom:1px solid #eeebe4}.page-hero h1{font-size:clamp(45px,5vw,66px);margin-bottom:18px}.page-hero p:not(.eyebrow){max-width:560px;color:var(--muted);margin:0;font-size:15px}.content-grid{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(260px,.7fr);gap:80px;align-items:start}.prose{max-width:850px}.prose h2{font-size:29px;margin:36px 0 13px}.prose h2:first-child{margin-top:0}.prose p,.prose li{color:#5d666d;font-size:14px;line-height:1.9}.prose ul{padding-left:20px}.check-list{list-style:none;padding:0!important}.check-list li{position:relative;padding-left:25px;margin:9px 0}.check-list li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:700}.side-panel{background:var(--paper);padding:30px;border:1px solid #ebe6dc}.side-panel h3{font-family:var(--serif);font-size:26px;font-weight:500;line-height:1.3;margin:0 0 22px}.side-panel p{color:var(--muted);font-size:12px}.side-list{border-top:1px solid var(--line);margin-bottom:22px}.side-list p{padding:12px 0;border-bottom:1px solid var(--line);margin:0;display:flex;gap:13px}.side-list b{color:var(--gold);font-size:10px}.calculator-page-grid{display:grid;grid-template-columns:1fr .85fr;gap:28px;align-items:stretch}.calculator-controls{padding:35px;background:var(--paper);border:1px solid #e9e4db}.calculator-controls .field-row{margin:0 0 8px}.calculator-controls input[type=range]{margin-bottom:9px}.range-limits{display:flex;justify-content:space-between;color:#8a8e8f;font-size:10px;margin-bottom:30px}.method-select{margin-top:10px}.method-select>span{font-size:11px;font-weight:600;display:block;margin-bottom:10px}.segmented{display:flex;background:#e9e6df;padding:4px;gap:4px}.segmented button{flex:1;background:transparent;border:0;padding:12px 8px;font-size:11px;cursor:pointer;color:#60676d}.segmented button.active{background:white;color:var(--ink);box-shadow:0 1px 4px #0000000c}.calculator-result{background:var(--navy);color:white;padding:34px;display:flex;flex-direction:column;align-items:flex-start}.calculator-result .eyebrow{margin-bottom:27px}.result-label{font-size:11px;color:#c7d0d5}.result-emi{font-family:var(--serif);font-size:clamp(34px,4vw,46px);font-weight:500;letter-spacing:-.03em;margin:4px 0 25px}.result-line{display:flex;justify-content:space-between;gap:15px;width:100%;padding:13px 0;border-top:1px solid #ffffff20;font-size:11px}.result-line span{color:#bdc7cc}.result-line b{font-weight:500}.result-bar{height:7px;width:100%;display:flex;overflow:hidden;background:#fff2;margin:17px 0 10px}.result-bar span:first-child{background:#d9b27d;width:78%}.result-bar span:last-child{background:#fff;width:22%}.bar-legend{display:flex;gap:20px;font-size:10px;color:#c4ccd0;margin-bottom:27px}.bar-legend i{display:inline-block;width:7px;height:7px;border-radius:50%;background:#d9b27d;margin-right:5px}.bar-legend span:last-child i{background:white}.full-width{width:100%}.result-disclaimer{font-size:10px;color:#adb9c0;line-height:1.7;margin:17px 0 0}.soft-section{background:var(--paper)}.narrow-copy{max-width:760px}.narrow-copy h2{font-family:var(--serif);font-size:38px;font-weight:500;line-height:1.2}.narrow-copy p:not(.eyebrow){color:var(--muted);font-size:14px}.comparison-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px;margin:30px 0}.comparison-grid article{padding:24px;background:var(--paper);border:1px solid var(--line)}.comparison-label{font-size:9px;letter-spacing:.15em;color:var(--gold);font-weight:700}.comparison-grid h3{font-family:var(--serif);font-size:22px;font-weight:500;line-height:1.3}.comparison-grid p{font-size:12px}.faq-layout{display:grid;grid-template-columns:.7fr 1.3fr;gap:80px;align-items:start}.faq-aside p:not(.eyebrow){color:var(--muted);font-size:13px;margin:18px 0 25px}.faq-list details{border-bottom:1px solid var(--line)}.faq-list details:first-child{border-top:1px solid var(--line)}.faq-list summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:21px 0;cursor:pointer;font-size:13px;font-weight:600}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary span{font-size:21px;color:var(--gold);font-weight:400;transition:transform .2s}.faq-list details[open] summary span{transform:rotate(45deg)}.faq-list details p{font-size:12px;color:var(--muted);line-height:1.8;margin:0;padding:0 30px 20px 0}.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:start}.contact-intro>p:not(.eyebrow){color:var(--muted);font-size:13px}.contact-detail{display:flex;gap:17px;padding:20px 0;border-top:1px solid var(--line);margin-top:20px}.contact-detail>span{font-size:10px;color:var(--gold)}.contact-detail b{font-size:12px}.contact-detail p{font-size:12px;color:var(--muted);margin:4px 0}.contact-detail em{font-size:10px}.enquiry-form{padding:32px;background:var(--paper);border:1px solid var(--line)}.enquiry-form h3{font-family:var(--serif);font-size:28px;font-weight:500;margin:0}.form-intro,.form-note{font-size:10px;color:var(--muted)}.form-two{display:grid;grid-template-columns:1fr 1fr;gap:15px}.form-field{display:flex;flex-direction:column;gap:6px;margin:15px 0}.form-field label{font-size:11px;font-weight:600}.form-field input,.form-field select,.form-field textarea{width:100%;border:1px solid #dedbd4;background:white;padding:12px 13px;font-size:12px;color:var(--ink);border-radius:0}.form-field textarea{resize:vertical}.form-field input:focus,.form-field select:focus,.form-field textarea:focus{border-color:var(--gold);outline:1px solid var(--gold)}.consent{display:flex;align-items:flex-start;gap:9px;font-size:10px;color:#59636c;margin:16px 0}.consent input{margin-top:4px;accent-color:var(--gold)}.form-status{font-size:12px;min-height:18px}.form-status.error{color:#a33b30}.form-status.success{color:#3f7654}.form-note{line-height:1.6}.empty-state{padding:30px;background:var(--paper)}
@media(min-width:1500px){.hero,.hero-inner{min-height:640px}.hero-copy{max-width:710px}}
@media(max-width:1050px){.main-nav{gap:15px}.main-nav a{font-size:11px}.nav-wrap{gap:18px}.hero-note{right:0;width:180px}.hero-copy{max-width:590px}.calculator-promo{gap:32px;padding:40px}.content-grid,.faq-layout,.contact-grid{gap:45px}.intro-grid{gap:55px}}
@media(max-width:850px){.container{width:min(100% - 36px,var(--max))}.topline-inner{min-height:31px}.nav-wrap{height:72px}.brand-name{font-size:28px}.menu-toggle{display:block;margin-left:auto}.nav-cta{display:none}.main-nav{display:none;position:absolute;top:72px;left:0;right:0;padding:18px 24px 24px;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 16px 25px #1826300b;align-items:stretch;gap:0;flex-direction:column}.main-nav.open{display:flex}.main-nav a{padding:12px 0;font-size:13px;border-bottom:1px solid #f0ede8}.main-nav a.active:after{display:none}.hero,.hero-inner{min-height:590px}.hero{background-image:linear-gradient(90deg,rgba(250,249,246,.98) 0%,rgba(250,249,246,.9) 55%,rgba(250,249,246,.3) 100%),url("https://images.unsplash.com/photo-1519641471654-76ce0107ad1b?auto=format&fit=crop&w=1200&q=80");background-position:center}.hero-copy{max-width:620px;padding:65px 0 90px}.hero-note{display:none}.hero h1{font-size:clamp(46px,8vw,65px)}.hero-points{gap:12px 18px}.section-pad{padding:65px 0}.intro-grid{grid-template-columns:1fr;gap:22px}.section-heading{align-items:flex-start;flex-direction:column;gap:15px}.heading-note{max-width:500px}.calculator-promo{grid-template-columns:1fr;gap:32px;padding:35px}.process-grid{grid-template-columns:repeat(2,1fr);row-gap:20px}.process-item:nth-child(2):after{display:none}.process-item{padding-bottom:12px}.footer-main{grid-template-columns:repeat(2,1fr)}.content-grid,.faq-layout,.contact-grid,.calculator-page-grid{grid-template-columns:1fr;gap:35px}.side-panel{max-width:none}.faq-aside{max-width:550px}.calculator-controls,.calculator-result{padding:28px}.page-hero{padding:66px 0}.page-hero h1{font-size:clamp(43px,7vw,60px)}}
@media(max-width:560px){.container{width:calc(100% - 32px)}.topline-inner{font-size:9px}.topline-inner span:last-child{display:none}.hero,.hero-inner{min-height:620px}.hero{background-image:linear-gradient(90deg,rgba(250,249,246,.97),rgba(250,249,246,.76)),url("https://images.unsplash.com/photo-1519641471654-76ce0107ad1b?auto=format&fit=crop&w=900&q=75");background-position:58% center}.hero-copy{padding:50px 0 55px}.hero h1{font-size:clamp(42px,12vw,56px)}.hero-lede{font-size:14px;max-width:400px}.hero-actions{display:grid;grid-template-columns:1fr}.hero-actions .button{width:100%}.hero-points{display:grid;grid-template-columns:1fr 1fr;gap:12px;font-size:10px;margin-top:27px}.section-pad{padding:54px 0}.intro-grid h2,.section-heading h2,.calculator-copy h2,.closing-inner h2,.prose h2,.faq-aside h2,.contact-intro h2{font-size:32px}.service-grid{grid-template-columns:1fr}.service-card{min-height:235px}.calculator-promo{padding:26px 18px;margin-inline:-2px}.mini-calculator{padding:22px 17px}.mini-result strong{font-size:27px}.process-grid{grid-template-columns:1fr 1fr}.process-item{margin-right:10px;padding-right:10px}.process-item:nth-child(2):after{display:none}.process-item h3{font-size:18px}.closing-inner{align-items:flex-start;flex-direction:column}.footer-main{grid-template-columns:1fr 1fr;gap:28px 20px;padding:38px 0 30px}.footer-brand{grid-column:1/-1}.footer-bottom{align-items:flex-start;flex-direction:column;gap:5px}.page-hero{padding:54px 0}.page-hero h1{font-size:43px}.page-hero p:not(.eyebrow){font-size:13px}.comparison-grid{grid-template-columns:1fr}.form-two{grid-template-columns:1fr;gap:0}.enquiry-form{padding:22px 17px}.calculator-controls,.calculator-result{padding:23px 18px}.result-emi{font-size:36px}.result-line{font-size:10px}.segmented button{font-size:10px}.prose p,.prose li{font-size:13px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}

/* Verified client contact details */
.footer-contact{min-width:0}
.footer-contact h4{font-size:11px;margin:5px 0 17px}
.footer-contact p{font-size:11px;line-height:1.75;color:#646b70;margin:0 0 13px;overflow-wrap:anywhere}
.footer-contact strong{color:var(--ink);font-weight:600}
.footer-contact a{color:inherit;text-decoration:underline;text-underline-offset:3px}
.footer-contact-wrap{padding:28px 0;border-top:1px solid #dfdcd5}
.footer-contact-wrap .footer-contact{max-width:620px}
.footer-contact-wrap .footer-contact p{font-size:12px}
@media(max-width:850px){
  .footer-main{grid-template-columns:repeat(2,minmax(0,1fr))}
  .footer-contact{grid-column:1/-1}
  .footer-contact-wrap{padding:22px 0}
  .nav-wrap{gap:10px}
  .main-nav{max-height:calc(100vh - 72px);overflow-y:auto}
  .hero-points{max-width:480px}
  .service-card{min-width:0}
  .calculator-promo,.calculator-page-grid,.contact-grid,.content-grid,.faq-layout{min-width:0}
  .mini-calculator,.calculator-controls,.calculator-result,.enquiry-form{min-width:0}
}
@media(max-width:560px){
  .footer-main{grid-template-columns:1fr 1fr;gap:24px 16px}
  .footer-contact{grid-column:1/-1}
  .footer-contact-wrap .footer-contact p{font-size:12px}
  .topline-inner{justify-content:flex-start}
  .nav-wrap .brand-name{font-size:25px}
  .brand-sub{font-size:8px}
  .hero-points{grid-template-columns:1fr 1fr}
  .footer-bottom{overflow-wrap:anywhere}
  .calculator-result .result-line{align-items:flex-start}
  .result-line b{text-align:right}
  .contact-detail p{overflow-wrap:anywhere}
}