:root{--ink:#202d31;--navy:#152a30;--text:#61696c;--gold:#cbb77e;--line:#dedfdb;--sans:'Source Sans 3',Arial,sans-serif;--serif:'Playfair Display',Georgia,serif;--gutter:clamp(24px,6vw,88px)}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:96px}body{margin:0;background:#fff;color:var(--ink);font:17px/1.7 var(--sans)}button,input,textarea,select{font:inherit}a{color:inherit;text-decoration:none}button{cursor:pointer;color:inherit}a,button{-webkit-tap-highlight-color:transparent}button{border:0}img{display:block;width:100%;height:100%;object-fit:cover}h1,h2,h3,p{margin:0}h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.25;letter-spacing:-.025em}h2{font-size:38px}h3{font-size:25px}::selection{background:#dfd3b1}:focus-visible{outline:2px solid #9a7d3f;outline-offset:5px}.container{width:100%;max-width:1380px;margin:0 auto;padding-left:var(--gutter);padding-right:var(--gutter)}.section{padding-top:90px;padding-bottom:90px}.skip{position:fixed;top:-100px;z-index:100;background:#fff;padding:12px 24px}.skip:focus{top:0}.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
/* A full-width, quiet glass header. */
.header{position:fixed;z-index:20;inset:0 0 auto;height:90px;color:#fff;background:transparent;border-bottom:1px solid transparent;backdrop-filter:none;-webkit-backdrop-filter:none;transition:height .25s,background .25s,color .25s}.header-inner{height:100%;max-width:1380px;padding:0 var(--gutter);margin:auto;display:flex;align-items:center;justify-content:space-between}.header.is-scrolled{height:74px;color:var(--ink);background:rgba(255,255,255,.8);border-bottom-color:#20303612;backdrop-filter:blur(20px) saturate(140%);-webkit-backdrop-filter:blur(20px) saturate(140%)}.brand{display:block;width:151px;flex-shrink:0}.brand img{height:auto;object-fit:contain}.header.is-scrolled .brand img{filter:brightness(0)}.desktop-nav{display:flex;gap:38px;font-size:16px}.desktop-nav a{padding:7px 0;position:relative}.desktop-nav a:after{content:'';position:absolute;left:0;bottom:2px;height:1px;width:100%;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .2s}.desktop-nav a:hover:after,.desktop-nav a:focus-visible:after{transform:scaleX(1)}.menu-toggle{display:none;background:transparent;width:44px;height:44px;color:inherit}.menu-toggle span{display:block;background:currentColor;width:23px;height:1px;margin:6px auto;transition:transform .2s}.menu-toggle[aria-expanded=true] span:first-child{transform:translateY(3.5px) rotate(45deg)}.menu-toggle[aria-expanded=true] span:last-child{transform:translateY(-3.5px) rotate(-45deg)}.mobile-nav{position:fixed;inset:74px 0 0;z-index:19;padding:34px var(--gutter);background:rgba(255,255,255,.97);backdrop-filter:blur(16px);overflow:auto}.mobile-nav[hidden]{display:none}.mobile-nav a{display:block;padding:17px 0;border-bottom:1px solid var(--line);font-size:23px}html.menu-open,html.menu-open body{overflow:hidden}.menu-open .header{background:rgba(255,255,255,.97);color:var(--ink)}.menu-open .header .brand img{filter:brightness(0)}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:11px 28px;border:1px solid var(--gold);border-radius:3px;background:var(--gold);color:#17272b;font-size:16px;font-weight:500;line-height:1.5;transition:background .2s,border-color .2s}.button:hover{background:#decea2;border-color:#decea2}.button-outline{color:#fff;background:transparent;border-color:#ffffffb3}.button-outline:hover{color:#fff;background:#ffffff17;border-color:#fff}.button-dark{background:var(--navy);border-color:var(--navy);color:#fff}.button-dark:hover{background:#29474f;border-color:#29474f}.text-link{display:inline-block;width:fit-content;background:none;border:0;border-bottom:1px solid #bcaa77;padding:3px 0;color:var(--ink);font-size:16px;line-height:1.5}.text-link:hover{border-color:var(--ink)}
.hero{position:relative;min-height:600px;height:100svh;max-height:none;display:flex;align-items:center;background:var(--navy);color:#fff;overflow:hidden}.hero-image,.hero-shade{position:absolute;inset:0}.hero-image img{object-position:68% 51%}.hero-shade{background:linear-gradient(90deg,rgba(9,24,31,.75),rgba(9,24,31,.35) 55%,rgba(9,24,31,.12)),linear-gradient(0deg,rgba(9,24,31,.25),transparent 55%)}.hero-content{position:relative;padding-top:76px;padding-bottom:35px}.hero-label{font-size:16px;margin-bottom:22px;color:#f3f1e9}.hero h1{font-size:clamp(44px,4.35vw,62px);line-height:1.19;max-width:750px;letter-spacing:-.025em}.hero-description{font-size:19px;margin-top:25px;color:#f0f1ef}.hero-actions{display:flex;gap:18px;flex-wrap:wrap;margin-top:34px}
/* A quiet, spacious About section, aligned with the rest of the site. */
.about-section{scroll-margin-top:-22px;min-height:calc(100svh - 74px);display:flex;align-items:center;padding:80px 0;background:#fff}
.about-layout{display:grid;grid-template-columns:.85fr 1.15fr;align-items:center;gap:clamp(60px,8vw,120px)}
.about-copy{max-width:370px;padding:20px 0}
.about-copy h2{font-size:clamp(38px,3.5vw,48px);line-height:1.2;letter-spacing:-.025em;margin-bottom:32px}
.about-copy p{font-size:18px;line-height:1.8;color:var(--text)}
.about-copy p+p{margin-top:22px}
.about-copy .text-link{margin-top:32px;padding-bottom:6px;border-color:#a7b0b1}
.about-copy .text-link:hover{border-color:var(--ink)}
.about-image{width:100%;margin:0;aspect-ratio:4/5;max-height:690px;overflow:hidden;background:#e7edf0}
.about-image img{object-position:40% 60%}
.coverage{padding-top:90px;padding-bottom:100px}.coverage h2{text-align:left;margin-bottom:43px}.coverage-layout{display:grid;grid-template-columns:.88fr 1.12fr;gap:7vw;align-items:start}.insurance-list{border-top:1px solid var(--line)}.insurance-item{border-bottom:1px solid var(--line)}.insurance-item h3{font-size:31px;line-height:1.3;letter-spacing:-.025em}.insurance-toggle{display:flex;align-items:center;justify-content:space-between;gap:20px;text-align:left;width:100%;padding:25px 0;background:none;font:inherit;transition:color .2s}.insurance-toggle:hover,.insurance-item.is-active .insurance-toggle{color:#8e763c}.accordion-icon{position:relative;width:16px;height:16px;flex-shrink:0}.accordion-icon:before,.accordion-icon:after{content:'';position:absolute;top:7px;left:0;width:16px;height:1px;background:currentColor;transition:transform .3s}.accordion-icon:after{transform:rotate(90deg)}.insurance-item.is-active .accordion-icon:after{transform:rotate(0)}.insurance-panel{display:grid;grid-template-rows:0fr;opacity:0;transition:grid-template-rows .35s ease,opacity .25s ease}.insurance-item.is-active .insurance-panel{grid-template-rows:1fr;opacity:1}.panel-inner{min-height:0;overflow:hidden}.panel-inner p{color:var(--text);max-width:340px;line-height:1.7}.panel-inner .text-link{margin:17px 0 29px}.coverage-media{position:relative;margin:0;aspect-ratio:1.16;overflow:hidden;background:#142a30;isolation:isolate}.coverage-media .media-poster,.coverage-media video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.coverage-media video{opacity:0;transition:opacity .45s}.coverage-media.is-ready video{opacity:1}.coverage-media:after{content:'';position:absolute;inset:50% 0 0;background:linear-gradient(transparent,#07171d99);pointer-events:none}.media-caption{position:absolute;z-index:2;bottom:23px;left:26px;right:24px;display:flex;align-items:center;justify-content:space-between;gap:15px;color:#fff;font-size:16px}.film-toggle{display:inline-flex;align-items:center;gap:9px;white-space:nowrap;color:#fff;background:#0b1d246b;border:1px solid #ffffff6b;padding:8px 12px;border-radius:2px;font-size:14px;line-height:1.5;min-height:40px;backdrop-filter:blur(6px)}.film-toggle:hover{background:#0b1d24b0}.film-icon{display:block;width:10px;height:12px;border-top:6px solid transparent;border-bottom:6px solid transparent;border-left:9px solid #fff}.coverage-media.is-playing .film-icon{border-top:0;border-bottom:0;border-left:3px solid #fff;border-right:3px solid #fff;width:9px;height:11px}.media-error{position:absolute;z-index:3;left:26px;right:26px;top:25px;font-size:14px;color:#fff;background:#142a30c9;padding:10px}.coverage-media[data-category=cars] video,.coverage-media[data-category=cars] .media-poster{object-position:55% 50%}.coverage-media[data-category=art] video,.coverage-media[data-category=art] .media-poster{object-position:58% 50%}
/* The process has the same spacious scale and light palette as About. */
.experience{scroll-margin-top:-22px;min-height:max(700px,calc(100svh - 74px));display:flex;align-items:center;background:#fff;color:var(--ink);padding-top:96px;padding-bottom:104px;border-top:1px solid var(--line)}
.experience-top{display:flex;justify-content:space-between;align-items:flex-end;gap:60px}
.experience-top h2{font-size:clamp(38px,3.5vw,48px);line-height:1.2}
.experience-top p{margin-top:25px;font-size:18px;line-height:1.8;color:var(--text);max-width:430px}
.experience-top .text-link{color:var(--ink);flex-shrink:0;border-color:#a7b0b1;padding-bottom:6px;margin-bottom:6px}
.process-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:58px;margin-top:100px}
.process-grid article{position:relative;padding-top:35px;border-top:1px solid var(--line)}
.step-number{display:block;font-family:var(--serif);font-size:64px;line-height:1;color:#788587;margin-bottom:42px}
.process-grid h3{font-size:clamp(25px,2.2vw,30px);line-height:1.3;min-height:2.6em;margin-bottom:18px}
.process-grid p{color:var(--text);font-size:18px;line-height:1.8;max-width:340px}
.process-grid article:before{content:'';position:absolute;top:-1px;left:0;width:100%;height:1px;background:#839092;transform-origin:left;transition:transform 1.6s cubic-bezier(.22,.61,.36,1);transition-delay:var(--process-delay,0s)}
.js [data-process-reveal]{opacity:0;transform:translate3d(0,24px,0);transition:opacity 1.35s ease,transform 1.65s cubic-bezier(.22,.61,.36,1);transition-delay:var(--process-delay,0s)}
.process-grid article:nth-child(2){--process-delay:.16s}.process-grid article:nth-child(3){--process-delay:.32s}
.js .process-grid article:before{transform:scaleX(0)}
.js [data-process-reveal].is-visible{opacity:1;transform:none}
.js .process-grid article.is-visible:before{transform:scaleX(1)}
.js [data-process-reveal]:focus-within{opacity:1;transform:none;transition:none}
.contact{background:#f5f5f2;padding-top:80px;padding-bottom:80px}.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:10vw}.contact-copy>p{color:var(--text);max-width:330px;margin-top:23px}.contact-details{margin-top:34px}.contact-details a{display:block;width:fit-content;font-size:19px;line-height:1.8}.contact-details a:hover{text-decoration:underline;text-underline-offset:4px}.contact address{font-style:normal;color:var(--text);font-size:16px;margin-top:24px}.contact-form{padding-top:5px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:24px}.field{margin-bottom:20px}.field label{display:block;font-size:15px;margin-bottom:3px}.field input,.field select,.field textarea{width:100%;background:transparent;border:0;border-bottom:1px solid #bbc1c0;border-radius:0;padding:7px 0 9px;color:var(--ink);font-size:17px;line-height:1.5;resize:vertical}.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid #9a7d3f;outline-offset:4px}.field select{color-scheme:light}.form-note{font-size:13px;line-height:1.6;color:var(--text);margin-top:9px}.form-note a{text-decoration:underline;text-underline-offset:3px}.form-action{margin-top:23px;display:flex;align-items:center;gap:18px}.form-action>span{font-size:13px;line-height:1.5;max-width:190px;color:var(--text)}.form-status{font-size:15px;margin-top:18px}
.footer{background:var(--navy);color:#fff;padding:42px 0 24px}.footer-top{display:flex;justify-content:space-between;align-items:center;gap:30px}.footer .brand{width:147px}.footer nav{display:flex;gap:30px;font-size:15px;color:#e0e5e4}.footer a:hover{text-decoration:underline;text-underline-offset:5px}.footer-bottom{display:flex;justify-content:space-between;gap:25px;font-size:13px;color:#afbdbe;border-top:1px solid #ffffff24;margin-top:32px;padding-top:19px}
.js [data-reveal]{opacity:0;transform:translateY(9px);transition:opacity .5s,transform .5s}.js [data-reveal].is-visible{opacity:1;transform:none}/* About enters later and settles gradually; other section timings stay unchanged. */
.js .about-copy[data-about-reveal]>*,.js .about-image[data-about-reveal]{opacity:0;transform:translate3d(0,24px,0);transition:opacity 1.35s ease,transform 1.65s cubic-bezier(.22,.61,.36,1)}
.js .about-copy[data-about-reveal]>:nth-child(2){transition-delay:.16s}
.js .about-copy[data-about-reveal]>:nth-child(3){transition-delay:.32s}
.js .about-copy[data-about-reveal]>:nth-child(4){transition-delay:.48s}
.js .about-image[data-about-reveal]{transition-delay:.12s;transition-duration:1.6s,1.9s}
.js .about-image[data-about-reveal] img{transform:scale(1.045);transition:transform 2.8s cubic-bezier(.22,.61,.36,1) .12s}
.js .about-copy.is-visible>*,.js .about-image.is-visible{opacity:1;transform:none}
.js .about-image.is-visible img{transform:scale(1)}
.js .about-copy:focus-within>*{opacity:1;transform:none;transition:none}
html.lenis,html.lenis body{height:auto}.lenis.lenis-smooth{scroll-behavior:auto!important}.lenis.lenis-stopped{overflow:hidden}.lenis-smooth [data-lenis-prevent]{overscroll-behavior:contain}
@media(min-width:1600px){.hero-content{max-width:1380px}}
@media(max-width:1000px){.coverage-layout{gap:5vw}.insurance-item h3{font-size:28px}.process-grid{gap:30px}.about-layout{grid-template-columns:1fr 1fr;gap:50px}.about-copy h2{font-size:38px}.about-copy p{font-size:17px}.contact-grid{gap:7vw}}
@media(max-width:760px){html{scroll-padding-top:89px}.header,.header.is-scrolled{height:74px}.brand{width:138px}.desktop-nav{display:none}.menu-toggle{display:block}.hero{min-height:580px;height:100svh;max-height:none}.hero h1{font-size:clamp(35px,9.4vw,51px);line-height:1.22}.hero-content{padding-top:70px;padding-bottom:25px}.hero-label{font-size:15px;margin-bottom:21px}.hero-description{font-size:17px;max-width:270px;margin-top:24px}.hero-actions{gap:12px;margin-top:28px}.hero-actions .button{padding:11px 20px;font-size:15px}.hero-shade{background:linear-gradient(90deg,#09181fc9,#09181f48),linear-gradient(0deg,#09181f44,transparent)}.hero-image img{object-position:64% center}.section{padding-top:58px;padding-bottom:58px}h2{font-size:32px}.about-section{scroll-margin-top:-15px;min-height:0;padding:60px 0 24px}.about-layout{grid-template-columns:1fr;gap:44px}.about-copy{max-width:420px;padding:0}.about-copy h2{font-size:37px;margin-bottom:26px}.about-copy p{font-size:17px;line-height:1.8}.about-copy p+p{margin-top:19px}.about-copy .text-link{margin-top:24px}.about-image{width:100%;aspect-ratio:4/5;max-height:620px}.about-image img{object-position:40% 60%}.coverage{padding-top:58px;padding-bottom:58px}.coverage h2{margin-bottom:30px}.coverage-layout{grid-template-columns:1fr;gap:28px}.insurance-item h3{font-size:27px}.insurance-toggle{padding:21px 0}.panel-inner p{max-width:none}.panel-inner .text-link{margin-bottom:25px}.coverage-media{aspect-ratio:4/3}.media-caption{left:20px;right:18px;bottom:18px;font-size:15px}.film-toggle{font-size:13px;padding:8px 10px}.experience{scroll-margin-top:-15px;min-height:0;padding-top:64px;padding-bottom:72px}.experience-top{display:block}.experience-top h2{font-size:37px}.experience-top p{font-size:17px;line-height:1.8;margin-top:23px;max-width:310px}.experience-top .text-link{margin-top:25px}.process-grid{grid-template-columns:1fr;gap:44px;margin-top:52px}.process-grid article{display:grid;grid-template-columns:58px 1fr;column-gap:24px;padding-top:28px}.process-grid article:nth-child(n){--process-delay:0s}.step-number{grid-row:1/3;font-size:42px;margin:3px 0 0}.process-grid h3{font-size:26px;min-height:0;margin-bottom:14px}.process-grid p{font-size:17px;line-height:1.8;max-width:none}.contact-grid{grid-template-columns:1fr;gap:38px}.contact-copy>p{margin-top:18px}.contact-details{margin-top:25px}.contact address{margin-top:20px}.form-row{gap:20px}.footer{padding-top:32px}.footer-top{align-items:flex-start;gap:25px}.footer nav{flex-direction:column;gap:8px;font-size:15px}.footer-bottom{margin-top:26px}}
@media(max-width:420px){.hero-actions .button{padding-left:17px;padding-right:17px}.form-action{align-items:flex-start;flex-direction:column;gap:12px}.form-action>span{max-width:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}.js [data-reveal],.js [data-process-reveal],.js .about-copy[data-about-reveal]>*,.js .about-image[data-about-reveal],.js .about-image[data-about-reveal] img{opacity:1;transform:none}.insurance-panel{transition:none}.coverage-media video{transition:none}.js .process-grid article:before{transform:none}}
/* Insurance navigation and dedicated pages share the homepage typography. */
.desktop-nav{align-items:center}
.insurance-nav-toggle{display:flex;align-items:center;gap:10px;padding:7px 0;background:none;font:inherit}
.nav-chevron{display:block;width:7px;height:7px;border-right:1px solid currentColor;border-bottom:1px solid currentColor;transform:translateY(-2px) rotate(45deg);transition:transform .25s}
[aria-expanded=true]>.nav-chevron{transform:translateY(2px) rotate(225deg)}
.header.has-insurance-menu{background:rgba(255,255,255,.97);color:var(--ink);border-bottom-color:var(--line)}
.header.has-insurance-menu .brand img{filter:brightness(0)}
.insurance-menu{position:absolute;top:100%;left:0;right:0;padding:30px 0 35px;background:rgba(255,255,255,.98);color:var(--ink);border-bottom:1px solid var(--line);box-shadow:0 18px 28px #10252d14;max-height:calc(100svh - 90px);overflow:auto;overscroll-behavior:contain;animation:insurance-menu-in .3s ease both}
.insurance-menu[hidden],.mobile-insurances[hidden]{display:none}
.insurance-menu-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:26px}
.desktop-nav .insurance-menu-link{display:block;padding:0}
.desktop-nav .insurance-menu-link:after{display:none}
.insurance-menu-image{display:block;aspect-ratio:1.65;overflow:hidden;margin-bottom:16px;background:#e7edef}
.insurance-menu-image img{transition:transform .7s ease;object-position:50% 58%}
.insurance-menu-link:hover img{transform:scale(1.035)}
.insurance-menu-link>span:last-child{font-family:var(--serif);font-size:24px;line-height:1.3}
.insurance-menu-link[aria-current=page]>span:last-child{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:7px}
.mobile-insurance-toggle{display:flex;align-items:center;justify-content:space-between;width:100%;padding:17px 0;border-bottom:1px solid var(--line);background:none;text-align:left;font-size:23px}
.mobile-insurances{padding:10px 0 12px 22px;border-bottom:1px solid var(--line)}
.mobile-nav .mobile-insurances a{font-size:18px;padding:12px 0;border-bottom:0}
.mobile-insurances a[aria-current=page]{text-decoration:underline;text-underline-offset:5px}
@keyframes insurance-menu-in{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:none}}
.insurance-hero{position:relative;isolation:isolate;display:flex;align-items:center;min-height:550px;height:67svh;max-height:800px;color:#fff;background:var(--navy);overflow:hidden}
.insurance-hero-image,.insurance-hero-shade{position:absolute;inset:0;z-index:-1}
.insurance-hero-image img{object-position:55% 55%}
.insurance-hero-shade{background:linear-gradient(90deg,#071b24cc,#071b2455 64%,#071b2422),linear-gradient(0deg,#071b244d,transparent 70%)}
.insurance-hero-content{padding-top:88px;padding-bottom:40px}
.breadcrumbs{display:flex;align-items:center;flex-wrap:wrap;gap:12px;font-size:15px;color:#e2e9e9;margin-bottom:32px}
.breadcrumbs a:hover{text-decoration:underline;text-underline-offset:4px}
.breadcrumbs>span[aria-hidden]{opacity:.6}
.insurance-hero h1{font-size:clamp(46px,5vw,70px);line-height:1.18}
.insurance-hero-content>p{font-size:20px;line-height:1.65;max-width:490px;margin-top:25px;color:#f0f2f0}
.insurance-hero-content>.button{margin-top:30px}
.insurance-page[data-insurance=cars] .insurance-hero-image img{object-position:50% 60%}
.insurance-page[data-insurance=art] .insurance-hero-image img{object-position:50% 44%}
.insurance-overview{padding:100px 0 106px}
.insurance-overview-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:9vw;align-items:start}
.insurance-overview-copy{max-width:415px}
.insurance-overview-copy h2{font-size:42px;line-height:1.25;margin-bottom:30px}
.insurance-overview-copy p{font-size:18px;line-height:1.8;color:var(--text)}
.insurance-overview-copy p+p{margin-top:23px}
.insurance-topics article{border-top:1px solid var(--line);padding:25px 0 30px}
.insurance-topics h3{font-size:27px;margin-bottom:14px}
.insurance-topics article p{font-size:17px;line-height:1.75;color:var(--text);max-width:465px}
.insurance-topics .policy-note{border-top:1px solid var(--line);padding-top:20px;font-size:14px;line-height:1.65;color:var(--text)}
.insurance-enquiry{padding:70px 0 78px;background:#f5f5f2}
.insurance-enquiry-inner{display:flex;align-items:center;justify-content:space-between;gap:45px}
.insurance-enquiry h2{font-size:36px}
.insurance-enquiry p{margin-top:18px;color:var(--text);font-size:18px}
.insurance-enquiry .button{flex-shrink:0}
@media(max-width:1000px){.insurance-menu-grid{gap:20px}.insurance-menu-link>span:last-child{font-size:21px}.insurance-overview-grid{gap:6vw}.insurance-overview-copy h2{font-size:36px}.insurance-enquiry h2{font-size:32px}}
@media(max-width:760px){.insurance-menu{display:none}.insurance-hero{height:76svh;min-height:540px;max-height:720px}.insurance-hero-content{padding-top:88px;padding-bottom:35px}.breadcrumbs{font-size:14px;margin-bottom:28px}.insurance-hero h1{font-size:clamp(40px,10.5vw,54px)}.insurance-hero-content>p{font-size:18px;max-width:310px;margin-top:23px}.insurance-hero-shade{background:linear-gradient(90deg,#071b24cc,#071b2455),linear-gradient(0deg,#071b2433,transparent)}.insurance-overview{padding:58px 0 64px}.insurance-overview-grid{grid-template-columns:1fr;gap:44px}.insurance-overview-copy h2{font-size:34px;margin-bottom:24px}.insurance-overview-copy p{font-size:17px}.insurance-topics h3{font-size:25px}.insurance-topics article{padding:23px 0 27px}.insurance-enquiry{padding:54px 0 60px}.insurance-enquiry-inner{display:block}.insurance-enquiry h2{font-size:31px}.insurance-enquiry p{font-size:17px}.insurance-enquiry .button{margin-top:29px}}
@media(prefers-reduced-motion:reduce){.insurance-menu{animation:none}.insurance-menu-image img{transition:none}}
@supports not ((backdrop-filter:blur(1px)) or (-webkit-backdrop-filter:blur(1px))){.header.is-scrolled{background:#fff}}
/* Editorial expansion: the existing light palette, serif type and quiet gold details. */
.header-inner{gap:28px}.desktop-nav{margin-left:auto;gap:30px}.header-controls{display:flex;align-items:center;gap:12px}.language-switch{display:flex;align-items:center;gap:13px;padding-left:24px;border-left:1px solid #ffffff55;line-height:1.4;font-size:14px}.language-switch a{padding:6px 0;opacity:.65;position:relative}.language-switch a:hover,.language-switch a[aria-current]{opacity:1}.language-switch a[aria-current]:after{content:'';height:1px;position:absolute;bottom:0;left:0;right:0;background:var(--gold)}.is-scrolled .language-switch,.has-insurance-menu .language-switch,.menu-open .language-switch{border-color:#20303630}
.eyebrow{font-family:var(--sans);font-size:14px!important;font-weight:500;line-height:1.5!important;letter-spacing:.09em;text-transform:uppercase;color:#92793b!important;margin-bottom:24px!important}.section-intro{font-size:18px;color:var(--text);line-height:1.85;margin-top:27px;max-width:450px}.section-intro+.text-link{margin-top:30px}.gold-rule{display:block;width:46px;height:1px;background:var(--gold)}
.heritage{padding-top:80px;padding-bottom:110px}.heritage-layout{display:grid;grid-template-columns:1.08fr .92fr;align-items:center;gap:clamp(50px,7.5vw,115px)}.editorial-image{margin:0;aspect-ratio:1.08;overflow:hidden;background:#edf0f0}.editorial-image img{object-position:42% 60%}.heritage-copy{max-width:420px}.heritage-copy h2{font-size:clamp(37px,3.5vw,48px);line-height:1.3;margin-bottom:28px}.heritage-copy>p:not(.eyebrow){font-size:18px;line-height:1.85;color:var(--text);margin-top:19px}.heritage-copy .text-link{margin-top:29px}.experience .step-number{color:#b59b59}.experience .process-grid article:before{background:var(--gold)}.about-copy .text-link,.experience-top .text-link{border-color:var(--gold)}
.ongoing-section{position:relative;min-height:650px;height:78svh;max-height:850px;display:flex;align-items:center;isolation:isolate;color:#fff;background:var(--navy);overflow:hidden}.ongoing-image{position:absolute;inset:0;z-index:-2}.ongoing-image img{object-position:60% 57%}.ongoing-section:after{content:'';position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,#081817e0,#08181785 50%,#08181730)}.ongoing-content h2{font-size:clamp(42px,4.2vw,60px);line-height:1.25;max-width:650px}.ongoing-content>p:not(.eyebrow){font-size:19px;line-height:1.85;margin-top:30px;max-width:420px;color:#ecefeb}.ongoing-content .eyebrow{color:#decc9b!important}.ongoing-content .text-link{color:#fff;margin-top:30px}
.faq-section{padding-top:110px;padding-bottom:115px;background:#fff}.faq-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(50px,8vw,120px)}.faq-layout h2{font-size:clamp(38px,3.5vw,48px)}.faq-list{border-top:1px solid var(--gold)}.faq-item{border-bottom:1px solid var(--line)}.faq-item summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:24px;padding:26px 0;font-size:20px;line-height:1.5;cursor:pointer}.faq-item summary::-webkit-details-marker{display:none}.faq-item[open] summary{color:#8e763c}.faq-item[open] .accordion-icon:after{transform:rotate(0)}.faq-answer{color:var(--text);font-size:17px;line-height:1.85;padding:0 40px 30px 0;animation:faq-in .55s ease both}@keyframes faq-in{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.insurance-hero{height:83svh;min-height:600px;max-height:960px}.insurance-hero h1{font-size:clamp(46px,5.5vw,76px)}.insurance-overview{padding:120px 0}.insurance-overview-copy{max-width:450px}.insurance-overview-copy h2{font-size:clamp(37px,3.5vw,48px);line-height:1.3}.insurance-overview-copy .eyebrow{margin-top:0}.insurance-topics article:first-of-type{border-top-color:var(--gold)}.insurance-topics article{padding-bottom:30px}.insurance-topics .policy-note{margin-top:4px}
.wide-photo{position:relative;width:calc(100% - 2 * var(--gutter));max-width:1380px;aspect-ratio:2.05;margin:0 auto;overflow:hidden;background:var(--navy);isolation:isolate}.wide-photo:after{content:'';position:absolute;inset:40% 0 0;background:linear-gradient(transparent,#07171d9c);z-index:1}.wide-photo figcaption{position:absolute;z-index:2;bottom:38px;left:42px;right:42px;font-family:var(--serif);font-size:clamp(23px,2.7vw,38px);color:#fff;line-height:1.4}.wide-photo .gold-rule{margin-bottom:18px}.wide-photo img{object-position:50% 57%}.insurance-page[data-insurance=yachts] .wide-photo img{object-position:42% 60%}.insurance-page[data-insurance=villas] .wide-photo img{object-position:38% 50%}.insurance-page[data-insurance=cars] .wide-photo img{object-position:58% 58%}.insurance-page[data-insurance=art] .wide-photo img{object-position:58% 50%}
.preparation{padding-top:115px;padding-bottom:105px}.preparation-layout{display:grid;grid-template-columns:1fr 1fr;gap:clamp(50px,9vw,130px);align-items:start}.preparation h2{font-size:clamp(36px,3.5vw,48px);max-width:500px;line-height:1.3}.preparation-list{padding-top:7px}.preparation-list h3{font-size:27px;line-height:1.45;max-width:360px}.preparation-list ul{list-style:none;padding:0;margin:30px 0 22px;border-top:1px solid var(--gold)}.preparation-list li{display:flex;gap:24px;padding:21px 0;border-bottom:1px solid var(--line);font-size:17px;line-height:1.6}.preparation-list li span{color:#8e763c;font-size:15px;padding-top:1px}.preparation-list>p{color:var(--text);font-size:16px}.insurance-page .faq-section{background:#f7f7f4}.related-section{padding-top:110px;padding-bottom:115px}.related-heading{margin-bottom:45px}.related-heading h2{font-size:clamp(36px,3.5vw,48px)}.related-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:30px}.related-card{display:block}.related-card figure{margin:0 0 23px;aspect-ratio:1.1;overflow:hidden;background:#e7edef}.related-card img{transition:transform 1.3s cubic-bezier(.2,.65,.3,1)}.related-card:hover img{transform:scale(1.035)}.related-card h3{font-size:29px}.related-card .text-link{margin-top:15px}.insurance-enquiry{padding:85px 0 90px;background:var(--navy);color:#fff}.insurance-enquiry h2{font-size:clamp(36px,3.5vw,48px)}.insurance-enquiry .eyebrow{color:var(--gold)!important}.insurance-enquiry p{color:#d3dedd}.footer-parent{font-size:14px;line-height:1.6;color:#afbdbe;margin-top:18px}.footer-parent a{color:#e2d4ae}.footer-top{align-items:flex-start}.form-note,.form-action>span{font-size:14px}
.js [data-editorial-reveal]{opacity:0;transform:translate3d(0,30px,0);transition:opacity 1.3s ease,transform 1.7s cubic-bezier(.22,.61,.36,1)}.js [data-editorial-reveal].is-visible{opacity:1;transform:none}.js [data-editorial-reveal]:focus-within{opacity:1;transform:none}.js .editorial-image[data-editorial-reveal] img,.js .wide-photo[data-editorial-reveal] img{transform:scale(1.055);transition:transform 2.6s cubic-bezier(.22,.61,.36,1)}.js .editorial-image.is-visible img,.js .wide-photo.is-visible img{transform:scale(1)}.related-card:nth-child(2){transition-delay:.12s}.related-card:nth-child(3){transition-delay:.24s}
@media(max-width:1000px){.header-inner{gap:20px}.desktop-nav{gap:22px}.language-switch{padding-left:18px;gap:10px}.heritage-layout{gap:48px}.faq-layout{gap:48px}.preparation-layout{gap:55px}.related-card h3{font-size:25px}}
@media(max-width:860px) and (min-width:761px){.brand{width:130px}.desktop-nav{gap:16px;font-size:15px}.header-inner{padding-left:30px;padding-right:30px;gap:16px}.language-switch{padding-left:15px;font-size:13px}}
@media(max-width:760px){.header-inner{gap:15px}.header-controls{margin-left:auto;gap:8px}.language-switch{padding-left:0;border-left:0;gap:12px;font-size:14px}.menu-open .language-switch{visibility:hidden}.eyebrow{font-size:13px!important;margin-bottom:18px!important}.heritage{padding:32px 0 70px}.heritage-layout{grid-template-columns:1fr;gap:38px}.editorial-image{aspect-ratio:1.12}.heritage-copy{max-width:100%}.heritage-copy h2{font-size:36px;margin-bottom:23px}.heritage-copy>p:not(.eyebrow){font-size:17px}.ongoing-section{height:auto;min-height:620px;padding:75px 0}.ongoing-image img{object-position:65% 50%}.ongoing-section:after{background:linear-gradient(90deg,#081817d9,#0818176b)}.ongoing-content h2{font-size:39px}.ongoing-content>p:not(.eyebrow){font-size:17px;max-width:320px;margin-top:24px}.faq-section{padding:68px 0 75px}.faq-layout{grid-template-columns:1fr;gap:40px}.faq-layout h2{font-size:36px}.section-intro{font-size:17px;margin-top:23px}.section-intro+.text-link{margin-top:24px}.faq-item summary{font-size:18px;padding:22px 0;gap:18px}.faq-answer{padding-right:18px;font-size:17px}.insurance-hero{height:85svh;min-height:570px;max-height:800px}.insurance-hero h1{font-size:clamp(36px,9.5vw,54px);overflow-wrap:break-word}.insurance-overview{padding:68px 0}.insurance-overview-copy h2{font-size:36px}.wide-photo{width:calc(100% - 2 * var(--gutter));aspect-ratio:4/5}.wide-photo figcaption{font-size:26px;left:24px;right:24px;bottom:29px}.wide-photo .gold-rule{margin-bottom:16px}.preparation{padding:67px 0}.preparation-layout{grid-template-columns:1fr;gap:42px}.preparation h2{font-size:36px}.preparation-list{padding:0}.preparation-list h3{font-size:27px}.preparation-list ul{margin-top:24px}.related-section{padding:65px 0 70px}.related-heading{margin-bottom:35px}.related-heading h2{font-size:36px}.related-grid{grid-template-columns:1fr;gap:40px}.related-card figure{aspect-ratio:1.6;margin-bottom:18px}.related-card h3{font-size:28px}.related-card .text-link{margin-top:10px}.related-card:nth-child(n){transition-delay:0s}.insurance-enquiry{padding:64px 0 70px}.insurance-enquiry h2{font-size:36px}.insurance-enquiry p{font-size:17px}.footer-parent{max-width:180px;font-size:14px}.footer-top{gap:25px}}
@media(prefers-reduced-motion:reduce){.js [data-editorial-reveal],.js .editorial-image[data-editorial-reveal] img,.js .wide-photo[data-editorial-reveal] img{opacity:1;transform:none;transition:none}.faq-answer{animation:none}}
/* Original homepage film, with a small accessible playback control. */
.hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center;opacity:0;transition:opacity 1.2s ease;pointer-events:none}.hero.has-video .hero-video{opacity:1}.hero .hero-image img{object-position:center}.hero-film-control{position:absolute;z-index:2;right:max(var(--gutter),calc((100vw - 1204px)/2));bottom:32px;display:flex;align-items:center;gap:10px;min-height:42px;padding:8px 14px;color:#fff;background:#0b1d244d;border:1px solid #ffffff65;border-radius:2px;backdrop-filter:blur(8px);font-size:14px;line-height:1.5}.hero-film-control[hidden]{display:none}.hero-film-control:hover{background:#0b1d2480}.hero-film-icon{display:block;width:10px;height:12px;border-top:6px solid transparent;border-bottom:6px solid transparent;border-left:9px solid #fff}.hero.is-video-playing .hero-film-icon{border-top:0;border-bottom:0;border-left:3px solid #fff;border-right:3px solid #fff;width:9px;height:11px}@media(max-width:760px){.hero-film-control{right:var(--gutter);bottom:22px}.hero-content{padding-bottom:75px}}@media(prefers-reduced-motion:reduce){.hero-video{transition:none}}