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solid #dce3e1;position:relative}.related-links__heading .collapsable__trigger-icon{display:none}.related-links__heading .unstyled-button,.related-links__heading .authentication__link,.related-links__heading .authentication__item>a,.related-links__heading .authentication__item>.button-link,.related-links__heading .search__submit,.related-links__heading .search__clear,.related-links__heading .search-box__submit{width:100%;text-align:left}.related-links__heading .unstyled-button:after,.related-links__heading .authentication__link:after,.related-links__heading .authentication__item>a:after,.related-links__heading .authentication__item>.button-link:after,.related-links__heading .search__submit:after,.related-links__heading .search__clear:after,.related-links__heading .search-box__submit:after{content:"+";position:absolute;top:0;right:0}.related-links__heading .unstyled-button.is-active:after,.related-links__heading .is-active.authentication__link:after,.related-links__heading .authentication__item>a.is-active:after,.related-links__heading .authentication__item>.is-active.button-link:after,.related-links__heading .is-active.search__submit:after,.related-links__heading .is-active.search__clear:after,.related-links__heading .is-active.search-box__submit:after{content:"-"}.related-links__heading--article-links{border-bottom-width:4px}.related-links__heading--guides{border-color:#428513}.related-links__heading--popular{border-color:#148573}.related-links__heading--blog{border-color:#0076ab}.related-links__link{font-size:1rem;line-height:1.5rem;padding-bottom:0.75rem;border-bottom:1px solid #edf0f0}.related-links__link:last-child{margin-bottom:0;border-bottom:0}.js .related-links__link:last-child{border-bottom:1px solid #edf0f0}.related-links__link>a,.related-links__link>.button-link{padding:0.1875rem 0}.intro-section{background:white}.concepts-intro{width:96%}@media screen and (min-width: 45em){.concepts-intro{width:55%}}.graduated-section{display:block;padding:0 0.5625rem;background:white;background:-moz-linear-gradient(top, #fff 0%, #fff 80%, #f5f5f5 100%);background:-webkit-gradient(left top, left bottom, color-stop(0%, #fff), color-stop(80%, #fff), color-stop(100%, #f5f5f5));background:-webkit-linear-gradient(top, #fff 0%, #fff 80%, #f5f5f5 100%);background:-o-linear-gradient(top, #fff 0%, #fff 80%, #f5f5f5 100%);background:-ms-linear-gradient(top, #fff 0%, #fff 80%, #f5f5f5 100%);background:linear-gradient(to bottom, #fff 0%, #fff 80%, #f5f5f5 100%);filter:"progid:DXImageTransform.Microsoft.gradient(startColorstr='#ffffff', endColorstr='#f5f5f5', GradientType=0)"}.graphic-info-box{margin:0 auto;width:100%;text-align:left;position:relative;overflow:hidden}@media screen and (min-width: 45em){.graphic-info-box{width:60%;text-align:center}}.graphic-info-box:after{content:"";position:absolute;z-index:1;top:0;bottom:0;border-left:1px solid #a8a8a8;left:10px}@media screen and (min-width: 45em){.graphic-info-box:after{border-left:none;left:50%}}.graphic-info-box__heading{margin-top:3.375rem;margin-bottom:3.375rem;float:right;width:92%}@media screen and (min-width: 45em){.graphic-info-box__heading{float:none;margin-top:0;margin-bottom:3.375rem;width:100%}}.graphic-info-box__copy{text-align:left;width:92%;margin:0 0 0 8%}@media screen and (min-width: 45em){.graphic-info-box__copy{margin:0;width:100%}}.graphic-info-box__illustration{width:92%;margin:0 0 0 8%}@media screen and (min-width: 45em){.graphic-info-box__illustration{margin:0;width:100%}}.graphic-info-box__illustration img{width:100%;min-width:100%;height:auto}.graphic-info-box__top-dot{float:left;position:relative;z-index:3;width:18px;height:18px;margin:3.75rem 0 0 0;background-image:url("/assets/retirement_concepts/dot-sprite@1x-3e21b629cb1f2ddfdbe90b9d0284f65b.png");background-position:-58px -81px;background-size:90px 139px;background-repeat:no-repeat}@media only screen and (-webkit-min-device-pixel-ratio: 2), only screen and (min--moz-device-pixel-ratio: 2), only screen and (-o-min-device-pixel-ratio: 20 / 10), only screen and (min-device-pixel-ratio: 2), only screen and (min-resolution: 192dpi), only screen and (min-resolution: 2dppx){.graphic-info-box__top-dot{background-image:url("/assets/retirement_concepts/dot-sprite@2x-fc2307a5a3f340340cc79a6e306e1353.png")}}@media screen and (min-width: 45em){.graphic-info-box__top-dot{float:none;width:32px;height:71px;margin:1em auto 0 auto;background-size:90px 139px;background-repeat:no-repeat;background-image:url("/assets/retirement_concepts/dot-sprite@1x-3e21b629cb1f2ddfdbe90b9d0284f65b.png");background-position:-58px 0}}@media only screen and (min-width: 45em) and (-webkit-min-device-pixel-ratio: 2), only screen and (min-width: 45em) and (min--moz-device-pixel-ratio: 2), only screen and (min-width: 45em) and (-o-min-device-pixel-ratio: 20 / 10), only screen and (min-width: 45em) and (min-device-pixel-ratio: 2), only screen and (min-width: 45em) and (min-resolution: 192dpi), only screen and (min-width: 45em) and (min-resolution: 2dppx){.graphic-info-box__top-dot{background-image:url("/assets/retirement_concepts/dot-sprite@2x-fc2307a5a3f340340cc79a6e306e1353.png")}}@media screen and (min-width: 45em){.graphic-info-box__line-fade-in{width:4px;height:64px;margin:0 auto -8px;text-align:center;background-repeat:no-repeat;background-size:90px 139px;background-image:url("/assets/retirement_concepts/dot-sprite@1x-3e21b629cb1f2ddfdbe90b9d0284f65b.png");background-position:-38px -74px}}@media only screen and (min-width: 45em) and (-webkit-min-device-pixel-ratio: 2), only screen and (min-width: 45em) and (min--moz-device-pixel-ratio: 2), only screen and (min-width: 45em) and (-o-min-device-pixel-ratio: 20 / 10), only screen and (min-width: 45em) and (min-device-pixel-ratio: 2), only screen and (min-width: 45em) and (min-resolution: 192dpi), only screen and (min-width: 45em) and (min-resolution: 2dppx){.graphic-info-box__line-fade-in{background-image:url("/assets/retirement_concepts/dot-sprite@2x-fc2307a5a3f340340cc79a6e306e1353.png")}}.graphic-info-box__inline-dot{float:left;position:relative;z-index:3;width:18px;height:18px;margin:3.75rem 0 0 0.1875rem;margin:3.75rem 0 0 0;background-image:url("/assets/retirement_concepts/dot-sprite@1x-3e21b629cb1f2ddfdbe90b9d0284f65b.png");background-position:-58px -81px;background-size:90px 139px;background-repeat:no-repeat}@media only screen and (-webkit-min-device-pixel-ratio: 2), only screen and (min--moz-device-pixel-ratio: 2), only screen and (-o-min-device-pixel-ratio: 20 / 10), only screen and (min-device-pixel-ratio: 2), only screen and (min-resolution: 192dpi), only screen and (min-resolution: 2dppx){.graphic-info-box__inline-dot{background-image:url("/assets/retirement_concepts/dot-sprite@2x-fc2307a5a3f340340cc79a6e306e1353.png")}}@media screen and (min-width: 45em){.graphic-info-box__inline-dot{float:none;width:32px;height:139px;margin:0 auto;background-position:0 0;background-image:url("/assets/retirement_concepts/dot-sprite@1x-3e21b629cb1f2ddfdbe90b9d0284f65b.png");background-size:90px 139px;background-repeat:no-repeat}}@media only screen and (min-width: 45em) and (-webkit-min-device-pixel-ratio: 2), only screen and (min-width: 45em) and (min--moz-device-pixel-ratio: 2), only screen and (min-width: 45em) and (-o-min-device-pixel-ratio: 20 / 10), only screen and (min-width: 45em) and (min-device-pixel-ratio: 2), only screen and (min-width: 45em) and (min-resolution: 192dpi), only screen and (min-width: 45em) and (min-resolution: 2dppx){.graphic-info-box__inline-dot{background-image:url("/assets/retirement_concepts/dot-sprite@2x-fc2307a5a3f340340cc79a6e306e1353.png")}}.speech-bubble{text-align:left;clear:both;position:relative;padding:0 1.5rem 1.5rem;background:white;border-color:#EDF0F0;border-bottom-color:#a8a8a8;border-style:solid;border-top-width:1px;border-right-width:1px;border-bottom-width:1px;border-left-width:1px;border-radius:3px;width:92%}@media screen and (min-width: 45em){.speech-bubble{width:48%}}.speech-bubble--right{float:right}@media screen and (min-width: 45em){.speech-bubble--right{float:left}}.speech-bubble--left{float:right}.speech-bubble:after,.speech-bubble:before{top:20px;border:solid transparent;content:" ";height:0;width:0;position:absolute;pointer-events:none}.speech-bubble:after{border-color:transparent;border-width:7px;margin-top:-7px}.speech-bubble:before{border-color:transparent;border-width:8px;margin-top:-7px}.speech-bubble--right:after,.speech-bubble--right:before{right:100%}@media screen and (min-width: 45em){.speech-bubble--right:after,.speech-bubble--right:before{left:100%}}.speech-bubble--right:after{border-right-color:white}@media screen and (min-width: 45em){.speech-bubble--right:after{border-left-color:white;border-right-color:transparent}}.speech-bubble--right:before{border-right-color:#a8a8a8}@media screen and (min-width: 45em){.speech-bubble--right:before{border-left-color:#a8a8a8;border-right-color:transparent}}.speech-bubble--left:after,.speech-bubble--left:before{right:100%}.speech-bubble--left:after{border-right-color:white}.speech-bubble--left:before{border-right-color:#a8a8a8}section .linear:last-child .speech-bubble{margin-bottom:1.5em}.linear{position:relative;overflow:hidden;text-align:left}@media screen and (min-width: 45em){.linear{text-align:center}}.linear:after{content:"";position:absolute;z-index:1;top:0;bottom:0;border-left:1px solid #a8a8a8;left:10px}@media screen and (min-width: 45em){.linear:after{left:50%}}.linear--left{text-align:left;left:0.375rem}@media screen and (min-width: 45em){.linear--left:after{left:0.75rem}}.linear--left-content{margin-left:1.875rem}.line-marker{position:relative;z-index:2;left:10px}@media screen and (min-width: 45em){.line-marker{left:50%}}.line-marker--left{top:34px;left:0.375rem}.line-marker--waypoint{width:12px;height:12px;top:27px;margin-left:-6px}@media screen and (min-width: 45em){.line-marker--waypoint{margin-left:-6px}}.line-marker--section{width:32px;height:32px;top:38px;margin-left:-16px}.line-marker__small-outline-dot{width:14px;height:14px;background-position:-37px 0;background-image:url("/assets/retirement_concepts/dot-sprite@1x-3e21b629cb1f2ddfdbe90b9d0284f65b.png");background-size:90px 139px;background-repeat:no-repeat}@media only screen and (-webkit-min-device-pixel-ratio: 2), only screen and (min--moz-device-pixel-ratio: 2), only screen and (-o-min-device-pixel-ratio: 20 / 10), only screen and (min-device-pixel-ratio: 2), only screen and (min-resolution: 192dpi), only screen and (min-resolution: 2dppx){.line-marker__small-outline-dot{background-image:url("/assets/retirement_concepts/dot-sprite@2x-fc2307a5a3f340340cc79a6e306e1353.png")}}.retirements__intro{font-weight:bold;color:#394752}.retirements__bullet-heading{font-size:1rem;line-height:1.25rem;color:#2e3030}.retirements__list{font-size:1rem;line-height:1.25rem}.retirements__list li:before{font-size:26px}.retirements-panel__title{font-size:1.25rem;line-height:1.625rem;color:#2e3030}a:link .retirements-panel__title,.button-link:link .retirements-panel__title{color:#003d8e}a:visited .retirements-panel__title,.button-link:visited .retirements-panel__title{color:#003d8e}.retirements-panel__image{display:block;padding-bottom:0.75rem}.retirements-panel__image--placeholder{height:0;padding-bottom:48.5%}.retirements-panel-callout{zoom:1;background-color:white;border:1px solid #a8b2ba;padding:0.375rem;position:relative}.retirements-panel-callout:before,.retirements-panel-callout:after{content:"";display:table}.retirements-panel-callout:after{clear:both}.retirements-panel-callout__image{float:left;width:140px;max-width:140px;margin-right:20px}.retirements-panel-callout__link{font-size:1rem;line-height:1.25rem;display:block;margin-left:115px}.retirements-panels{position:relative;clear:both}@media screen and (min-width: 45em){.retirements-panels{padding-top:0.75rem}.retirements-panels:before{content:"";display:block;position:absolute;top:0;bottom:0;left:33.33333%;right:33.33333%;border-left:1px solid #edf0f0;border-right:1px solid #edf0f0}.retirements-panels:after{content:"";display:block;top:0;bottom:0;margin-left:1.666666%;margin-right:1.666666%;overflow:hidden;border-bottom:1px solid #edf0f0}}.retirements-panels--first{padding-top:0}.retirements-panels--last{border-bottom:none;padding-bottom:0}@media screen and (min-width: 45em){.retirements-panels--last:after{border-bottom:none}}.retirements-panels__panel{padding-top:0.75rem;padding-bottom:0.75rem;border-bottom:1px solid #edf0f0;position:relative}@media screen and (min-width: 45em){.retirements-panels__panel{padding-top:0;border-bottom:none}}.retirements-panels--last .retirements-panels__panel{padding-bottom:0}.retirements-panels--last .retirements-panels__panel:last-child{border-bottom:none}.search-results__heading{font-size:1.375rem;line-height:1.875rem}.stripe-banner{background-color:#f5f7f7;background-size:8px 8px;text-align:center;margin-top:3rem}@media screen and (min-width: 60em){.stripe-banner{margin-top:5.25rem}}.stripe-banner__link{display:block;position:relative;padding:2.25rem;font-size:30px;line-height:32px}.stripe-banner__link:link,.stripe-banner__link:visited,.stripe-banner__link:hover{color:black}.stripe-banner__link:focus{background:transparent;outline:none}.stripe-banner__link:focus .stripe-banner__content{outline:solid 0.1875rem 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.stripe-banner-arrow__circle{fill:#edde74}.tool-category-links__heading{font-size:1.125rem;line-height:1.5rem;margin-top:0}@media screen and (min-width: 45em){.tool-category-links__heading{font-size:1.5rem;line-height:1.875rem}}.tool-nav .directory{padding-top:3rem}.view-all__item--hidden{display:none}.view-all__trigger{font-weight:bold}.view-all__trigger--hidden{display:none}.editorial .action-item{overflow:hidden}.editorial .action-item .collapsable{margin-top:-5px;border-left:1px solid #dae1df;border-right:1px solid #dae1df;border-bottom:1px solid #dae1df}.editorial .action-item h2{color:white;background-color:#526675;padding:0.375rem 0.75rem;margin:2.25rem 0 0 0;position:relative}.editorial .action-item h2:before{content:'';width:0;height:0;border-style:solid;border-width:10px 10px 0 0;border-color:#526675 transparent transparent transparent;position:absolute;bottom:-10px;left:0}.editorial .action-item h2 span{font-size:30px;margin-top:-6px;display:inline-block;color:#fed40b}.editorial .action-item ul{padding:0;margin:0}.editorial .action-item ul li{margin:0 0 0.375rem 0}.editorial .how,.editorial .why{display:inline;float:left;width:96.66667%;margin-left:1.66667%;margin-right:1.66667%;padding:0.75rem 0}@media screen and (min-width: 45em){.editorial .how,.editorial .why{display:inline;float:left;width:46.66667%;margin-left:1.66667%;margin-right:1.66667%}}.editorial .add-action{position:relative;background-color:#e6f2f7;padding:0.375rem 0.75rem;display:block;margin:1.875rem 0;clear:both}.editorial .add-action:before{position:absolute;top:-10px;left:0;content:'';width:0;height:0;border-style:solid;border-width:10px 0 0 10px;border-color:transparent transparent transparent #e6f2f7}.editorial .add-action a,.editorial .add-action .button-link{border-bottom:0;text-decoration:underline}.editorial .add-action a:hover,.editorial .add-action .button-link:hover,.editorial .add-action a:focus,.editorial .add-action .button-link:focus{text-decoration:none}.editorial .collapsible{margin-bottom:1.5rem;padding:0.375rem 2.625rem 0.375rem 0.75rem;position:relative;color:white;background-color:#526675;cursor:pointer}.editorial .collapsible button{outline:none;color:white;width:100%;text-align:left}.editorial .collapsible button:focus,.editorial .collapsible button:hover{text-decoration:underline}.editorial .collapsible .icon--toggle{position:absolute;top:0.75rem;right:0.75rem}.editorial .collapsible.is-on{margin-bottom:0}.editorial .collapsible-section{border-left:1px solid #dae1df;border-right:1px solid #dae1df;border-bottom:2px solid #dae1df;padding:1.5rem 0.75rem 0 0.75rem;margin:0.125rem 0 2.25rem 0}.editorial a:not([href*="moneyadviceservice.org.uk"]):after,.editorial .button-link:not([href*="moneyadviceservice.org.uk"]):after{content:'';margin-left:6px;display:inline-block}.editorial a[href^="/"]:after,.editorial [href^="/"].button-link:after,.editorial a[href^="#"]:after,.editorial [href^="#"].button-link:after,.editorial a[href^="tel"]:after,.editorial [href^="tel"].button-link:after,.editorial a[href^="mailto:"]:after,.editorial [href^="mailto:"].button-link:after,.editorial a[href*="/maps/"]:after,.editorial [href*="/maps/"].button-link:after,.editorial a[href^="https://accessin.org/"]:after,.editorial [href^="https://accessin.org/"].button-link:after{display:none}.editorial .social-sharing__item__icon[href*="facebook"]:after,.editorial .social-sharing__item__icon[href*="twitter"]:after{display:none}.editorial a[href^="mailto:"],.editorial [href^="mailto:"].button-link{word-break:break-all}.editorial a[href$=".doc"],.editorial [href$=".doc"].button-link{margin-top:1.125rem}.editorial a[href$=".doc"]:before,.editorial [href$=".doc"].button-link:before{content:'';padding-right:5px}.editorial a[href$=".pdf"],.editorial [href$=".pdf"].button-link{margin-top:1.125rem}.editorial a[href$=".pdf"]:before,.editorial 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