GMP Equalisation - Member Data Updates | How Can ITM Help?

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action="https://www.itm.co.uk" method="GET"> <label for="query" class="sr-only">Query</label> <input id="query" name="s" placeholder="Type something here (i.e. Pensions, Data)"> <button aria-label="Submit search" class="btn--primary" type="submit"><span>Search</span></button> </form> </div> </div> </div> </section> <main id="main" class="site-main"> <div class="page-wrapper container-fluid"> <section class="hero--standard" data-category="consultancy" data-content-alignment="left"> <img src="data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAABakAAAMIAQAAAADqUVQWAAAAAnRSTlMAAHaTzTgAAACgSURBVHja7cExAQAAAMKg9U9tCy+gAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAADgZyrWAAGFkj6pAAAAAElFTkSuQmCC" alt="" class="djs--cloudinary image--hero djs--loaded lazyload" data-uid="61f33b4e68df7" data-breakpoint="992" data-width="1833" data-lazied="IMG" data-src="https://www.itm.co.uk/wp-content/uploads/2019/10/hero-image-gmp.png" decoding="async" data-eio-rwidth="1449" data-eio-rheight="776"><noscript><img src="https://www.itm.co.uk/wp-content/uploads/2019/10/hero-image-gmp.png" alt="" class="djs--cloudinary image--hero djs--loaded" data-uid="61f33b4e68df7" data-breakpoint="992" data-width="1833" data-lazied="IMG" data-eio="l"></noscript> <div class="outer-cell"> <div class="inner-cell"> <div class="content-container"> <h1 class="title h1">Guaranteed minimum pension (GMP) equalisation</h1> <div class="content "> <p>GMP equalisation (GMPe) is complicated. We’re experts at this puzzle, we can help you.</p> </div> </div> </div> </div> <a href="#downloads-area" class="internal-link downloads--internal-link"><span class="text">Jump to Downloads</span> <span class="svg-container "> <svg xmlns="http://www.w3.org/2000/svg" width="20" height="10" viewBox="0 0 20 10"><defs><linearGradient id="svg-0-62021f801a78a" x1="0%" y1="50%" y2="50%"><stop offset="0%" stop-color="#5261AC"></stop><stop offset="100%" stop-color="#152F55"></stop></linearGradient></defs><polygon fill="url(#svg-0-62021f801a78a)" points=".674 20 0 19.277 8.652 10 0 .723 .674 0 10 10" transform="rotate(90 10 10)"></polygon></svg> </span> </a> </section> <section class="content" data-content-alignment="full_width" data-apply-background="0" id=""> <div class="content-container"> <div class="row"> <div class="col-12 col-sm-10 offset-sm-1 col-lg-8 offset-lg-2"> <div class="intro-content "> <p style="text-align: left;">GMPe has been a hot topic for defined benefit schemes over the last few years. We have detailed guidance, and GMPe has become a top priority for trustees and their members.</p> <p style="text-align: left;">Projects are often complicated, with complex data requirements, calculations, implementation and communications. We’ve worked on over 100 GMP projects, developing our technology and knowledge so you can be confident in our tried and tested approach.</p> </div> </div> </div> </div> </section> <section class="tabs"> <h2 class="intro-title h1">Taking the heavy lifting out of GMPe..</h2> <ul class="nav nav-tabs" id="tabsection-Taking-the-heavy-lifting-out-of-GMPe.." role="tablist"> <li class="nav-item"> <a class="nav-link active" id="1-tabsData" data-toggle="tab" href="#tabData-1" role="tab" aria-controls="datatabData-1" aria-selected="true">Data</a> </li> <li class="nav-item"> <a class="nav-link " id="2-tabsHistoricrectification" data-toggle="tab" href="#tabHistoricrectification-2" role="tab" aria-controls="datatabHistoricrectification-2" aria-selected="true">Historic rectification</a> </li> <li class="nav-item"> <a class="nav-link " id="3-tabsAdminsystemBAUcalculations" data-toggle="tab" href="#tabAdminsystemBAUcalculations-3" role="tab" aria-controls="datatabAdminsystemBAUcalculations-3" aria-selected="true">Admin system BAU calculations</a> </li> <li class="nav-item"> <a class="nav-link " id="4-tabsDualpayrollorGMPconversion?" data-toggle="tab" href="#tabDualpayrollorGMPconversion?-4" role="tab" aria-controls="datatabDualpayrollorGMPconversion?-4" aria-selected="true">Dual payroll or GMP conversion?</a> </li> </ul> <div class="tab-content" id="tabsection-content-Taking-the-heavy-lifting-out-of-GMPe.."> <button aria-label="Hide tab" class="btn--tab" data-action="hide-tab" tab-id="tabData-1" data-tab-id="datatabData-1"> Data <span class="svg-container svg--tab"> <svg xmlns="http://www.w3.org/2000/svg" width="20" height="10" viewBox="0 0 20 10"><defs><linearGradient id="svg-0-61f77f2232b89" x1="0%" y1="50%" y2="50%"><stop offset="0%" stop-color="#5261AC"></stop><stop offset="100%" stop-color="#152F55"></stop></linearGradient></defs><polygon fill="url(#svg-0-61f77f2232b89)" points=".674 20 0 19.277 8.652 10 0 .723 .674 0 10 10" transform="rotate(90 10 10)"></polygon></svg> </span> </button> <div class="tab-pane fade show active " id="tabData-1" role="tabpanel" aria-labelledby="tab-1"> <button class="btn--read-more">Read more</button> <div class="content-container col-12 col-lg-10 offset-lg-1"> <div class="intro-content"> <p><strong>Data readiness<br /> </strong>Equalisation calculations are complex and require many data components to ensure accuracy. Our targeted analysis identifies inaccurate or missing data essential for these calculations. With these issues addressed members can be equalised more efficiently.</p> <p><strong>Additional data requirements<br /> </strong>In order to carry out GMPe, you’re likely to need more detailed data than is typically used for your day-to-day administration. Examples include full contracted-out earnings data to calculate GMP accrued specifically over the equalisation period 17 May 1990 to 5 April 1997. As well as the pension given up for cash lump sum solely in respect of service between 17 May 1990 and 5 April 1997.</p> <p><strong>Scheme level data<br /> </strong>Detailed scheme level data is required including historic factors like those used for early retirement, late retirement and commutation – going all the way back to 17 May 1990, alongside information on administrative practices such as anti-franking.</p> <p><strong>Member data updates<em><br /> </em></strong>Additional data items will need to be stored for example, additional tranches of pension in respect of service post 17 May 1990, opposite sex elements of pension.</p> </div> <div class="content "> <p><strong>How can ITM help?<br /> </strong>GMP equalisation is complicated. We’re experts at this puzzle, we can help you.</p> <ul> <li><strong>An equalisation data-ready assessment</strong>We can work with your in-house team or third-party administrator to carry out an independent assessment, including a data ready score. to determine whether your data is GMPe ready. </li> <li><strong>Materiality calculations</strong> to identify those members likely to be most affected by GMP equalisation. This enables data work to be focussed on these members – increasing efficiency and reducing costs.</li> <li><strong>A comprehensive data cleanse plan</strong> to identify what cleansing/additional data would be required to accurately calculate GMPe corrections. </li> <li><strong>Implement the data cleanse</strong> <strong>plan</strong> including the calculation of the additional GMPe data elements. </li> <li><strong>Monitor progress</strong> using our data assessment tool to monitor the success of the data cleanse plan. </li> <li><strong>Member tracing </strong>using our specialist team to locate your members, update your records and provide ongoing monitoring to keep your data clean.</li> </ul> </div> </div> </div> <button aria-label="Hide tab" class="btn--tab" data-action="hide-tab" tab-id="tabHistoricrectification-2" data-tab-id="datatabHistoricrectification-2"> Historic rectification <span class="svg-container svg--tab"> <svg xmlns="http://www.w3.org/2000/svg" width="20" height="10" viewBox="0 0 20 10"><defs><linearGradient id="svg-0-61f77f2232b89" x1="0%" y1="50%" y2="50%"><stop offset="0%" stop-color="#5261AC"></stop><stop offset="100%" stop-color="#152F55"></stop></linearGradient></defs><polygon fill="url(#svg-0-61f77f2232b89)" points=".674 20 0 19.277 8.652 10 0 .723 .674 0 10 10" transform="rotate(90 10 10)"></polygon></svg> </span> </button> <div class="tab-pane fade show " id="tabHistoricrectification-2" role="tabpanel" aria-labelledby="tab-2"> <button class="btn--read-more">Read more</button> <div class="content-container col-12 col-lg-10 offset-lg-1"> <div class="intro-content"> <p>Once we’ve carried out data preparation, the next step is to calculate equalised pension payments and determine which members and dependants need an adjustment to their pension using the method agreed by the trustees. These underpayments will then need to be corrected. The process broadly falls into the following steps:</p> <ol> <li>Roll back the pension to the date of retirement/death</li> <li>Unwind cash commutation and early/late retirement factors</li> <li>Roll back the pension to the date of exit</li> <li>Compare the rolled back pension to pension at exit held on the admin system</li> <li>Calculate additional tranches at date of exit including opposite sex tranches</li> <li>Roll forward to current date calculating the equalised pension payments due</li> <li>Calculate any equalisation uplift/reduction to the pension at date of rectification</li> <li>Calculate any arrears due to members</li> <li>Communications exercise and operation of member contact centres</li> </ol> </div> <div class="content "> <p><strong><span class="Heading3Char">How can ITM help?</span></strong><span style="font-family: 'Calibri',sans-serif; color: #323232;"><br /> Our GMPe application is built on our core data management platform – <a href="https://www.itm.co.uk/technology/audit-migrate/">eDAaRT</a>.</span></p> <p><span style="font-family: 'Calibri',sans-serif; color: #323232;">This means we can work on pensions system data irrespective of the source of that data and build core applications that are ‘system agnostic’. Our GMPe application can carry out all your GMPe calculations including the calculation of equalised benefits and rectification.</span></p> </div> </div> </div> <button aria-label="Hide tab" class="btn--tab" data-action="hide-tab" tab-id="tabAdminsystemBAUcalculations-3" data-tab-id="datatabAdminsystemBAUcalculations-3"> Admin system BAU calculations <span class="svg-container svg--tab"> <svg xmlns="http://www.w3.org/2000/svg" width="20" height="10" viewBox="0 0 20 10"><defs><linearGradient id="svg-0-61f77f2232b89" x1="0%" y1="50%" y2="50%"><stop offset="0%" stop-color="#5261AC"></stop><stop offset="100%" stop-color="#152F55"></stop></linearGradient></defs><polygon fill="url(#svg-0-61f77f2232b89)" points=".674 20 0 19.277 8.652 10 0 .723 .674 0 10 10" transform="rotate(90 10 10)"></polygon></svg> </span> </button> <div class="tab-pane fade show " id="tabAdminsystemBAUcalculations-3" role="tabpanel" aria-labelledby="tab-3"> <button class="btn--read-more">Read more</button> <div class="content-container col-12 col-lg-10 offset-lg-1"> <div class="intro-content"> <p>Administration systems and procedures are likely to require a significant overhaul to administer equalised benefits under any of the methods approved under the Lloyds Bank judgement.</p> <p><strong>Scheme calculation changes<br /> </strong>You’ll need to update your systems to calculate benefits on an equalised basis (including opposite sex GMPs and the resulting excess benefits) and output the additional data items required to administer equalised benefits going forward. Many calculations will require updating, for example:</p> <ul> <li><strong>Benefits on leaving service</strong> – additional tranches of pension are likely to be required in respect of service between 17 May 1990 and 5 April 1997.</li> <li><strong>Retirement benefits</strong> – on retirement it will be necessary to calculate the benefit due to the member based on their true sex and the equivalent benefit for an opposite sex comparator – for service between 17 May 1990 and 5 April 1997.</li> <li><strong>Death benefits</strong> – calculations will need to be amended to calculate equalised death benefit lump sums and dependants’ pensions.</li> <li><strong>Transfer values</strong> – calculations will need to be updated to calculate these on an equal basis.</li> </ul> <p><strong><em>Opposite sex GMPs<br /> </em></strong><em>These will need to be calculated alongside the corresponding excess benefit elements.</em></p> </div> <div class="content "> <p><strong>How can ITM help?<br /> </strong>Our data consultants and GMPe application are the perfect partnership to help you prepare your data for GMP equalisation and conversion.</p> <p>We’ve updated our pensions administration platform, PenScope, to manage equalisation. It can calculate equalised benefits due under any of the methods approved under the Lloyds judgement including dual payroll approaches.</p> <p>If your own administration system and processes need updating, we can provide advice, independent audit and calculation of any additional data items.</p> </div> </div> </div> <button aria-label="Hide tab" class="btn--tab" data-action="hide-tab" tab-id="tabDualpayrollorGMPconversion?-4" data-tab-id="datatabDualpayrollorGMPconversion?-4"> Dual payroll or GMP conversion? <span class="svg-container svg--tab"> <svg xmlns="http://www.w3.org/2000/svg" width="20" height="10" viewBox="0 0 20 10"><defs><linearGradient id="svg-0-61f77f2232b89" x1="0%" y1="50%" y2="50%"><stop offset="0%" stop-color="#5261AC"></stop><stop offset="100%" stop-color="#152F55"></stop></linearGradient></defs><polygon fill="url(#svg-0-61f77f2232b89)" points=".674 20 0 19.277 8.652 10 0 .723 .674 0 10 10" transform="rotate(90 10 10)"></polygon></svg> </span> </button> <div class="tab-pane fade show " id="tabDualpayrollorGMPconversion?-4" role="tabpanel" aria-labelledby="tab-4"> <button class="btn--read-more">Read more</button> <div class="content-container col-12 col-lg-10 offset-lg-1"> <div class="intro-content"> <p style="text-align: left;"><strong>Dual Payroll<br /> </strong>The Lloyds Bank judgement approved a number of methods. Methods B and C under the judgement are often referred to as ‘dual payroll’ methods. These methods involve a year-on-year comparison of the member’s current pension elements in payment with those that would apply for the alternate sex.</p> </div> <div class="content "> <p style="text-align: left;"><strong>GMP Conversion<br /> </strong>The Lloyds Bank judgement made it clear that existing GMP conversion legislation could be used to equalise GMPs by converting GMPs and other pre-1997 benefits into alternative non-GMP benefits of equivalent actuarial value. This approach has the advantage of removing GMPs entirely and will be of particular interest if you have a fiduciary objective such as buyout planned.</p> </div> </div> </div> </div> </section> <section class="grid--posts downloads" data-type="downloads" data-internal-link="downloads-area" > <div class="container-fluid"> <div class="row justify-content-center"> <a href="#downloads-area" class="internal-link downloads--internal-link"><span class="text">Jump to Downloads</span> <span class="svg-container "> <svg xmlns="http://www.w3.org/2000/svg" width="20" height="10" viewBox="0 0 20 10"><defs><linearGradient id="svg-0-61f33b4e69190" x1="0%" y1="50%" y2="50%"><stop offset="0%" stop-color="#5261AC"></stop><stop offset="100%" stop-color="#152F55"></stop></linearGradient></defs><polygon fill="url(#svg-0-61f33b4e69190)" points=".674 20 0 19.277 8.652 10 0 .723 .674 0 10 10" transform="rotate(90 10 10)"></polygon></svg> </span> </a> <div class="col-12 heading"> <h2 class="h2 title">DOWNLOADS</h2> </div> <div class="col-12 offset-lg-1 col-lg-10"> <div class="row justify-content-center"> <div class="col-12 col-sm-6 col-md-4"> <div class="post" style="height: 254px;"> <div class="content"> <h3 class="h2 title"><a href="https://www.itm.co.uk/wp-content/uploads/2020/02/ITM-GMPe-nocropmarks.pdf" target="_blank">GMP equalisation</a></h3> <span class="download--file-info">Document – 204.8kB </span> <span class="download--caption">Before you get to equalisation there are key pieces of the puzzle to put together </span> <a href="https://www.itm.co.uk/wp-content/uploads/2020/02/ITM-GMPe-nocropmarks.pdf" class="download--icon" target="_blank" download> <span class="svg-container "> <svg xmlns="http://www.w3.org/2000/svg" width="30" height="30" viewBox="0 0 30 30"><path fill="#5261AC" d="M15.7142951,1.02631564 L15.7142951,22.5 L24.3307144,13.7021038 C24.5828485,13.4332469 24.9577898,13.3248614 25.3105343,13.4188642 C25.6632788,13.512867 25.9385226,13.7945201 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2.01110917,27.0066829 2.01029164,26.6652604 L2.01029164,23.2547345 C2.01029164,22.687916 1.56027253,22.2284188 1.00514582,22.2284188 C0.450019112,22.2284188 1.81987758e-12,22.687916 1.81987758e-12,23.2547345 L1.81987758e-12,26.6652604 C0.00341307707,28.5092392 1.46928369,30.0017431 3.275229,29.9999985 L26.1059565,29.9999985 C27.9094872,29.9982597 29.3715915,28.5067737 29.375,26.6652604 L29.375,23.2547345 Z"></path></svg> </span> </a> </div> </div> </div> <div class="col-12 col-sm-6 col-md-4"> <div class="post" style="height: 254px;"> <div class="content"> <h3 class="h2 title"><a href="https://www.itm.co.uk/wp-content/uploads/2020/03/GMP-equalisation-A-quick-guide-for-Trustees-FINAL.pdf" target="_blank">GMP equalisation – trustee guide</a></h3> <span class="download--file-info">Document – 1.9MB </span> <span class="download--caption">A quick guide for trustees on all things GMP equalisation </span> <a href="https://www.itm.co.uk/wp-content/uploads/2020/03/GMP-equalisation-A-quick-guide-for-Trustees-FINAL.pdf" class="download--icon" target="_blank" download> <span class="svg-container "> <svg xmlns="http://www.w3.org/2000/svg" width="30" height="30" viewBox="0 0 30 30"><path fill="#5261AC" d="M15.7142951,1.02631564 L15.7142951,22.5 L24.3307144,13.7021038 C24.5828485,13.4332469 24.9577898,13.3248614 25.3105343,13.4188642 C25.6632788,13.512867 25.9385226,13.7945201 26.0298185,14.1548977 C26.1211144,14.5152752 26.0141489,14.8978766 25.7502895,15.1547353 L17.0008818,24.0884186 C16.3887269,24.7151494 15.5574768,25.0673849 14.6905928,25.0673849 C13.8237087,25.0673849 12.9924586,24.7151494 12.3803037,24.0884186 L3.63398873,15.1610511 C3.37985358,14.9015635 3.2806025,14.523352 3.37362242,14.1688853 C3.46664234,13.8144187 3.73780132,13.5375487 4.08495639,13.4425696 C4.43211146,13.3475906 4.80252152,13.448932 5.05665666,13.7084196 L13.7163745,22.550524 L13.7163745,1.02631564 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style="height: 254px;"> <div class="content"> <h3 class="h2 title"><a href="https://www.itm.co.uk/wp-content/uploads/2020/02/GMPe-roundtable-Pensions-Age-Feb-2020-download.pdf" target="_blank">GMP equalisation roundtable</a></h3> <span class="download--file-info">Document – 5.7MB </span> <span class="download--caption">A write up of a joint GMP equalisation roundtable – published in Pensions Age </span> <a href="https://www.itm.co.uk/wp-content/uploads/2020/02/GMPe-roundtable-Pensions-Age-Feb-2020-download.pdf" class="download--icon" target="_blank" download> <span class="svg-container "> <svg xmlns="http://www.w3.org/2000/svg" width="30" height="30" viewBox="0 0 30 30"><path fill="#5261AC" d="M15.7142951,1.02631564 L15.7142951,22.5 L24.3307144,13.7021038 C24.5828485,13.4332469 24.9577898,13.3248614 25.3105343,13.4188642 C25.6632788,13.512867 25.9385226,13.7945201 26.0298185,14.1548977 C26.1211144,14.5152752 26.0141489,14.8978766 25.7502895,15.1547353 L17.0008818,24.0884186 C16.3887269,24.7151494 15.5574768,25.0673849 14.6905928,25.0673849 C13.8237087,25.0673849 12.9924586,24.7151494 12.3803037,24.0884186 L3.63398873,15.1610511 C3.37985358,14.9015635 3.2806025,14.523352 3.37362242,14.1688853 C3.46664234,13.8144187 3.73780132,13.5375487 4.08495639,13.4425696 C4.43211146,13.3475906 4.80252152,13.448932 5.05665666,13.7084196 L13.7163745,22.550524 L13.7163745,1.02631564 C13.7163745,0.459497158 14.1663936,0 14.7215203,0 C15.276647,0 15.7266661,0.459497158 15.7266661,1.02631564 L15.7142951,1.02631564 Z M29.375,23.2547345 C29.375,22.687916 28.9249809,22.2284188 28.3698542,22.2284188 C27.8147275,22.2284188 27.3647084,22.687916 27.3647084,23.2547345 L27.3647084,26.6652604 C27.3630032,27.3738581 26.79994,27.9473677 26.1059565,27.9473656 L3.275229,27.9473656 C2.94085211,27.9490443 2.61956186,27.814808 2.3822501,27.5742754 C2.14493835,27.3337429 2.01110917,27.0066829 2.01029164,26.6652604 L2.01029164,23.2547345 C2.01029164,22.687916 1.56027253,22.2284188 1.00514582,22.2284188 C0.450019112,22.2284188 1.81987758e-12,22.687916 1.81987758e-12,23.2547345 L1.81987758e-12,26.6652604 C0.00341307707,28.5092392 1.46928369,30.0017431 3.275229,29.9999985 L26.1059565,29.9999985 C27.9094872,29.9982597 29.3715915,28.5067737 29.375,26.6652604 L29.375,23.2547345 Z"></path></svg> </span> </a> </div> </div> </div> <div class="col-12 col-sm-6 col-md-4"> <div class="post" style="height: 254px;"> <div class="content"> <h3 class="h2 title"><a href="https://www.itm.co.uk/wp-content/uploads/2020/03/PenTechNews_July19-mk8-WEB.pdf" target="_blank">Technical Supplement July 2019</a></h3> <span class="download--file-info">Document – 323.4kB </span> <span class="download--caption">Solving the GMP equalisation puzzle – Pensions Aspect Technical Supplement July 2019 </span> <a href="https://www.itm.co.uk/wp-content/uploads/2020/03/PenTechNews_July19-mk8-WEB.pdf" class="download--icon" target="_blank" download> <span class="svg-container "> <svg 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-o-transform: translateY(0); transform: translateY(0); -webkit-transition: transform .3s ease-in-out; -moz-transition: transform .3s ease-in-out; -ms-transition: transform .3s ease-in-out; -o-transition: transform .3s ease-in-out; transition: transform .3s ease-in-out; box-shadow: none; min-height:70px; } .cmApp_signupContainer.cmApp_bar.cmApp_placementBottom { bottom: 0px; top: auto; } .cmApp_signupContainer.cmApp_bar.cmApp_hidden { -webkit-transform: translateY(-102%); -moz-transform: translateY(-102%); -ms-transform: translateY(-102%); -o-transform: translateY(-102%); transform: translateY(-102%); } .cmApp_signupContainer.cmApp_bar.cmApp_placementBottom.cmApp_hidden { -webkit-transform: translateY(102%); -moz-transform: translateY(102%); -ms-transform: translateY(102%); -o-transform: translateY(102%); transform: translateY(102%); } .cmApp_signupContainer.cmApp_bar .cmApp_signupFormWrapper { /*width: 100%;*/ padding-right: 25px; margin:5px 0 0; } .cmApp_signupContainer.cmApp_bar .cmApp_signupGenderFieldsContainer { margin: 10px auto 7px; } .cmApp_signupContainer.cmApp_bar div { float: left; /*margin: 5px .5% 0;*/ margin-top: 5px; margin-bottom:0; } .cmApp_signupContainer.cmApp_bar .cmApp_formHeader { margin: 13px 0 0; font-weight: normal; padding-right: 10px; padding-top: 6px; line-height:1.1; } .cmApp_signupContainer.cmApp_bar .cmApp_formSubHeader { margin: 19px 3px; } .cmApp_signupContainer.cmApp_bar .cmApp_textArea { width: 230px; margin-bottom:0; } .cmApp_signupContainer.cmApp_bar #cmApp_signupDateOfBirth { margin-bottom:0; } .cmApp_signupContainer.cmApp_bar form { display: inline-block; width: auto ; } .cmApp_signupContainer.cmApp_bar form div:not(.cmApp_errorMsg):not(.cmApp_processingMsg) { display: inline-block; } .cmApp_signupContainer #cmApp_statusContainer { position: relative; white-space:nowrap; display:flex; margin:5px 0 0; } .cmApp_signupContainer #cmApp_statusContainer.cmApp_hidden { display:none; } .cmApp_signupContainer.cmApp_bar .cmApp_successMsg { margin: 2px auto 0 10px; padding: 10px 0; font-weight:normal; font-size:12px; color: #4A4A4A; } .cmApp_signupContainer.cmApp_bar #cmApp_thankYouCheck { margin: -2px 0 0; } .cmApp_signupContainer.cmApp_bar .cmApp_successMsg span { font-size:12px; font-weight:normal; } .cmApp_signupContainer.cmApp_bar .cmApp_successMsg span:first-child { font-size:18px; margin-right:15px; } .cmApp_signupContainer.cmApp_bar .cmApp_processingMsg { padding: 8px 15%; } .cmApp_signupContainer.cmApp_bar .cmApp_logo { float: left; display: inline-block; margin: 18px 20px 0; padding-top:6px; } .cmApp_signupContainer.cmApp_bar .cmApp_errorMsg { margin: 20px 0; } /* Lightbox Styles */ .cmApp_signupContainer.cmApp_lightbox { position: fixed; top: 50px; left: 50%; -webkit-transform: translateX(-50%); -moz-transform: translateX(-50%); -ms-transform: translateX(-50%); -o-transform: translateX(-50%); transform: translateX(-50%); border: none; box-shadow: none; opacity: 1; -webkit-transition: opacity .15s ease-in-out; -moz-transition: opacity .15s ease-in-out; -ms-transition: opacity .15s ease-in-out; -o-transition: opacity .15s ease-in-out; transition: opacity .15s ease-in-out; border-radius: 4px; } .cmApp_signupContainer.cmApp_lightbox.cmApp_hidden { opacity: 0; display: none; } .cmApp_signupContainer.cmApp_lightbox #cmApp_statusContainer { white-space:normal; display:block; } #cmApp_statusContainer.cmApp_processing #cmApp_thankYouCheck { } #cmApp_statusContainer.cmApp_processing .cmApp_processingMsg { display:block; } .cmApp_signupContainer.cmApp_lightbox #cmApp_statusContainer.cmApp_hidden { display:none; } .cmApp_signupContainer #cmApp_statusContainer.cmApp_hidden #cmApp_thankYouCheck { visibility: hidden; opacity:0; } .cmApp_signupContainer.cmApp_lightbox .cmApp_closeFormButton { right: 10px; } .cmApp_signupContainer.cmApp_lightbox #cmApp_thankYouCheck { width:100%; box-sizing:border-box; opacity:1; margin:16px 0 0; } .cmApp_signupContainer.cmApp_lightbox .cmApp_successMsg { padding:10px 20px 30px; margin-top:0; } .cmApp_signupContainer.cmApp_lightbox .cmApp_successMsg span { display:block; font-size:12px; } .cmApp_signupContainer.cmApp_lightbox .cmApp_successMsg span:first-child { font-size:18px; margin-bottom:10px; } /* Slideout Styles */ .cmApp_signupContainer.cmApp_slideoutTab { position: fixed; right: 0; top: 50px; -webkit-transform: translateX(0); -moz-transform: translateX(0); -ms-transform: translateX(0); -o-transform: translateX(0); transform: translateX(0); -webkit-transition: -webkit-transform .3s ease-in-out; -moz-transition: transform .3s ease-in-out; -ms-transition: transform .3s ease-in-out; -o-transition: transform .3s ease-in-out; transition: transform .3s ease-in-out; box-shadow: none; border: none; padding:25px 50px; } .cmApp_signupContainer.cmApp_slideoutTab.cmApp_placementBottom { bottom: 50px; top: auto; } .cmApp_signupContainer.cmApp_slideoutTab.cmApp_placementLeft { left: 0; right: auto; } .cmApp_signupContainer.cmApp_slideoutTab.cmApp_placementLeft .cmApp_slideOutTab { /*border-top-left-radius: 0; border-top-right-radius: 0; border-bottom-left-radius: 4px; border-bottom-right-radius: 4px;*/ /*left:95% ;*/ left:95.5% } .cmApp_signupContainer.cmApp_slideoutTab.cmApp_hidden { -webkit-transform: translateX(100%); -moz-transform: translateX(100%); -ms-transform: translateX(100%); -o-transform: translateX(100%); transform: translateX(100%); } .cmApp_signupContainer.cmApp_slideoutTab.cmApp_placementLeft.cmApp_hidden { -webkit-transform: translateX(-100%); -moz-transform: translateX(-100%); -ms-transform: translateX(-100%); -o-transform: translateX(-100%); transform: translateX(-100%); } .cmApp_signupContainer.cmApp_slideoutTab .cmApp_slideOutTab { position: absolute; display: block; /*left: -50%;*/ left: -48%; top: 40px; min-width: 165px; -webkit-transform: rotate(270deg); -moz-transform: rotate(270deg); -ms-transform: rotate(270deg); -o-transform: rotate(270deg); transform: rotate(270deg); border-top-left-radius: 4px; border-top-right-radius: 4px; padding: 7px; } .cmApp_signupContainer.cmApp_slideoutTab.cmApp_placementLeft .cmApp_slideOutTab { -webkit-transform: rotate(90deg); -moz-transform: rotate(90deg); -ms-transform: rotate(90deg); -o-transform: rotate(90deg); transform: rotate(90deg); } .cmApp_signupContainer.cmApp_slideoutTab .cmApp_slideOutTab #cmApp_slideoutButton { display: block; margin-left: auto; margin-right: auto; vertical-align: baseline; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; /*text-transform: uppercase;*/ font-size: 14px; outline:none; } .cmApp_signupContainer.cmApp_slideoutTab #cmApp_statusContainer { display:inline-block; } .cmApp_signupContainer.cmApp_slideoutTab #cmApp_statusContainer.cmApp_hidden { display:none; } .cmApp_signupContainer.cmApp_slideoutTab #cmApp_thankYouCheck { width:100%; box-sizing:border-box; opacity:1; margin:16px 0 0; } .cmApp_signupContainer.cmApp_slideoutTab .cmApp_successMsg { padding:10px 20px 30px; margin-top:0; } .cmApp_signupContainer.cmApp_slideoutTab .cmApp_successMsg span { display:block; font-size:12px; } .cmApp_signupContainer.cmApp_slideoutTab .cmApp_successMsg span:first-child { font-size:18px; margin-bottom:10px; } /* Embedded Styles */ .cmApp_signupContainer.cmApp_embedded { margin: 0 auto; box-shadow: none; background: transparent; border: none; } .cmApp_signupContainer #cmApp_statusContainer * { line-height:1.1; } .cmApp_signupContainer.cmApp_embedded #cmApp_statusContainer { display:block; } .cmApp_signupContainer.cmApp_embedded #cmApp_statusContainer.cmApp_hidden { display:none; } .cmApp_signupContainer.cmApp_embedded #cmApp_thankYouCheck { width:100%; box-sizing:border-box; opacity:1; margin:16px 0 0; } .cmApp_signupContainer.cmApp_embedded .cmApp_successMsg { padding:10px 20px 30px; margin-top:0; } .cmApp_signupContainer.cmApp_embedded .cmApp_successMsg span { display:block; font-size:12px; } .cmApp_signupContainer.cmApp_embedded .cmApp_successMsg span:first-child { font-size:18px; margin-bottom:10px; } .cmApp_signupContainer .cmApp_processingMsg, .cmApp_signupContainer .cmApp_successMsg { padding: 40px 20px; font-size: 16px; font-weight: normal; display: none; color: #000000; } .cmApp_signupContainer div.cmApp_errorMsg { display: none; color: red; text-align: left; } .cmApp_signupContainer .cmApp_closeFormButton { cursor: pointer; position: absolute; right: 10px; top: 10px; z-index: 1000002; background-image: url('https://www.itm.co.uk/wp-content/plugins/forms-for-campaign-monitor/forms/views/public/images/X@2x.png'); background-size: 9px 9px; background-repeat: no-repeat; display: inline-block; background-color: transparent; min-height: 9px; min-width: 9px; -webkit-user-select: none; -moz-user-select: none; -ms-user-select: none; -o-user-select: none; user-select: none; text-decoration: none; } .cmApp_signupContainer .cmApp_closeFormButton:hover, .cmApp_signupContainer .cmApp_closeFormButton:active, .cmApp_signupContainer .cmApp_closeFormButton:visited, .cmApp_signupContainer .cmApp_closeFormButton:focus { text-decoration: none; color: #333; } .cmApp_signupContainer.cmApp_bar .cmApp_closeFormButton { top: 35px; right: 10px; } .cmApp_signupContainer input.cmApp_inputError { box-shadow: 0px 0px 5px 0px #a94442; background-color: #f2dede; border: 2px solid #a94442; } .cmApp_signupContainer, .cmApp_signupContainer div, .cmApp_signupContainer input, .cmApp_signupContainer textarea, .cmApp_signupContainer select { box-sizing: border-box; font-size: 100%; font: inherit; /*line-height:1.6;*/ vertical-align: baseline; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; } .cmApp_signupContainer form { margin: 0; padding: 0; } .cmApp_signupContainer div { padding: 0; margin: 6px 0 0; line-height: 1.1; } #cmApp_signupForm .cmApp_fieldWrap { margin:16px 0 0 0; } #cmApp_signupForm.cmApp_bar .cmApp_fieldWrap { margin:0; } .cmApp_signupContainer .cmApp_formInput input:not([type="radio"]):not([type="checkbox"]) { height:38px; } .cmApp_signupContainer .cmApp_formInput textarea { min-height:0; height:38px; padding:7px 11px; } .cmApp_signupContainer input:not([type="radio"]):not([type="checkbox"]), .cmApp_signupContainer textarea, .cmApp_signupContainer select { background-color: #FFF; margin: 5px 0 0; width: 100%; font-size: 14px; height: 38px; border: 1px solid #d1d1d1; padding: 0.625em 0.4375em; } .cmApp_signupContainer input[type="radio"] { float: left; margin-top: 5px; margin-left: 3px; } .cmApp_signupContainer label { font-size: 14px; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-weight: 400; color: #000000; /*float: left;*/ margin-left: 5px; } .cmApp_signupContainer input.cmApp_formSubmitButton { background-color: #429BD0; color: #FFF; letter-spacing: normal; margin:14px 0 0; padding:8px 18px; height:38px; text-transform: none; } .cmApp_signupContainer.cmApp_bar input.cmApp_formSubmitButton { margin:5px 0 0 ; } .cmApp_signupContainer .cmApp_formHeader { font-size: 18px; font-weight: normal; line-height:1.3; } .cmApp_signupContainer .cmApp_formSubHeader { font-size: 14px; margin-top: 0; line-height:1.3; } #cmApp_modalBackground { width: 100%; height: 100%; position: fixed; left: 0; top: 0; background-color: #000; opacity: .7; z-index: 1000000; } body { height: 100% !important; min-height: 100% !important; } .cmApp_signupContainer .cmApp_signupGenderFieldsContainer { width: 150px; margin: 0 auto; } input[type="radio"].cmApp_styledRadio { display: none; } .cmApp_styledRadio { display: none; } .cmApp_styledRadio + label { position: relative; top: 4px; } .cmApp_styledRadio + label span:nth-child(1) { position: relative; top: 4px; display: inline-block; width: 18px; height: 18px; border: 1px solid #bfbfbf; cursor: pointer; background: white; border-radius: 100%; } .cmApp_styledRadio:checked + label span:nth-child(1) { background-color: white; } .cmApp_styledRadio + label span:nth-child(1) span { border: none; position: absolute; left: 0; top: 0; height: 16px; width: 16px; background: white; -ms-transform: scale(0, 0); /* IE 9 */ -webkit-transform: scale(0, 0); /* Safari */ transform: scale(0, 0); } .cmApp_styledRadio:checked + label span:nth-child(1) span { background: #429BD0; -webkit-transition: background-color 100ms linear, -webkit-transform 100ms linear; -moz-transition: background-color 100ms linear, -moz-transform 100ms linear; -o-transition: background-color 100ms linear, -o-transform 100ms linear; -ms-transition: background-color 100ms linear, -ms-transform 100ms linear; transition: background-color 100ms linear, transform 100ms linear; -ms-transform: scale(.6, .6); /* IE 9 */ -webkit-transform: scale(.6, .6); /* Safari */ transform: scale(0.6, 0.6); } .cmApp_formHeader { margin: 5px 0 0; } .cmApp_signupContainer.cmApp_bar > div > form > div:not(.cmApp_formHeader):not(.cmApp_errorMsg):not(.g-recaptcha) { /*height:50px;*/ min-height:40px; margin-bottom:0; } @media all and (max-width:600px) { .cmApp_signupContainer.cmApp_bar .cmApp_textArea textarea { height: 40px; } } .cmApp_signupContainer #cmApp_signupForm > div { padding:0 6px; } .cmApp_signupContainer #cmApp_signupForm input:not([type="radio"]), .cmApp_signupContainer #cmApp_signupForm textarea, .cmApp_signupContainer #cmApp_signupForm select { margin:0; } .cmApp_signupContainer #cmApp_signupForm label { margin-left:0; } .cmApp_signupContainer #cmApp_signupForm ul { display: inline-block; margin: 0; list-style: none; padding-left: 0; } .cmApp_signupContainer #cmApp_signupForm ul li { line-height: normal; text-align:left; } .cmApp_signupContainer #cmApp_signupForm label { text-align:left; } .cmApp_signupContainer #cmApp_signupForm ul label { width:auto; display:inline-block; } .cmFormElemButton { display:inline-block; background-color:#0000FF; color:#FFF; padding:2px 10px; } #cmApp_signupForm .cmApp_logo { text-align: center; } </style> <script type="text/javascript"> function cmApp_signup_writeCookie(var1, val1) { document.cookie = var1 + "=" + encodeURIComponent(val1) + "; path=/"; } </script> <script> cmApp_signup_writeCookie("campaignMonitorViewedIds", "(cm_5d83964ec760e)"); </script>  <script src="https://ajax.googleapis.com/ajax/libs/webfont/1/webfont.js"></script> <script> WebFont.load({ google: { families: ['Open Sans'] } }); </script> <style> #cmApp_signupContainer *, #signupFormPreviewCon *, .cmApp_signupContainer.cmApp_slideoutTab .cmApp_slideOutTab #cmApp_slideoutButton { font-family : 'Open Sans'; } </style> <link rel='stylesheet' id='cookie-law-info-table-css' href='https://www.itm.co.uk/wp-content/plugins/cookie-law-info/legacy/public/css/cookie-law-info-table.css' type='text/css' media='all' /> <script type='text/javascript' id='eio-lazy-load-js-before'> var eio_lazy_vars = {"exactdn_domain":"","skip_autoscale":0,"threshold":0}; </script> <script type='text/javascript' src='https://www.itm.co.uk/wp-content/plugins/ewww-image-optimizer/includes/lazysizes.min.js' id='eio-lazy-load-js'></script> <script type='text/javascript' src='https://www.itm.co.uk/wp-content/plugins/contact-form-7/includes/swv/js/index.js' id='swv-js'></script> <script type='text/javascript' id='contact-form-7-js-extra'> /* <![CDATA[ */ var wpcf7 = {"api":{"root":"https:\/\/www.itm.co.uk\/wp-json\/","namespace":"contact-form-7\/v1"},"cached":"1"}; /* ]]> */ </script> <script type='text/javascript' src='https://www.itm.co.uk/wp-content/plugins/contact-form-7/includes/js/index.js' id='contact-form-7-js'></script> <script type='text/javascript' id='forms-for-campaign-monitor-ajax-script-public-js-extra'> /* <![CDATA[ */ var ajax_request = {"ajax_url":"https:\/\/www.itm.co.uk\/wp-admin\/admin-ajax.php"}; /* ]]> */ </script> <script type='text/javascript' src='https://www.itm.co.uk/wp-content/plugins/forms-for-campaign-monitor/forms/views/public/js/app.js' id='forms-for-campaign-monitor-ajax-script-public-js'></script> <script type='text/javascript' src='https://www.itm.co.uk/wp-content/themes/cbd/js/custom.js' id='cbd-itm-custom-js'></script> <script type='text/javascript' src='https://www.itm.co.uk/wp-content/themes/cbd/js/slick.js' id='cbd-itm-slick-js'></script> <script type='text/javascript' src='https://cdn.jsdelivr.net/npm/js-cookie@3.0.1/dist/js.cookie.min.js' id='cbd-itm-jquerycookie-js'></script> <script type='text/javascript' src='https://www.google.com/recaptcha/api.js?render=6LcXr8IfAAAAAESUKpGQN0FtfctkEq5NCA9XItfP' id='google-recaptcha-js'></script> <script type='text/javascript' src='https://www.itm.co.uk/wp-includes/js/dist/vendor/regenerator-runtime.min.js' id='regenerator-runtime-js'></script> <script type='text/javascript' src='https://www.itm.co.uk/wp-includes/js/dist/vendor/wp-polyfill.min.js' id='wp-polyfill-js'></script> <script type='text/javascript' id='wpcf7-recaptcha-js-extra'> /* <![CDATA[ */ var wpcf7_recaptcha = {"sitekey":"6LcXr8IfAAAAAESUKpGQN0FtfctkEq5NCA9XItfP","actions":{"homepage":"homepage","contactform":"contactform"}}; 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