:root{
  --ink:#14213d; --ink-2:#3d4a63; --muted:#6b7487; --line:#e3e6ec;
  --bg:#fbfaf7; --card:#ffffff; --brand:#1f5f7a; --brand-2:#e7f1f5;
  --accent:#c8873a; --warn:#fff6e8; --radius:12px;
  --serif: Georgia, "Times New Roman", serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:var(--brand)}
a:hover{color:var(--ink)}
img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}

/* header */
.site-header{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.logo{font-family:var(--serif);font-weight:700;font-size:1.3rem;color:var(--ink);text-decoration:none;letter-spacing:-.01em}
.logo span{color:var(--brand)}
.nav{display:flex;gap:18px;flex-wrap:wrap}
.nav a{text-decoration:none;color:var(--ink-2);font-size:.95rem;font-weight:500}
.nav a:hover,.nav a[aria-current]{color:var(--brand)}
.nav .cta-link{background:var(--brand);color:#fff;padding:8px 14px;border-radius:999px}
.nav .cta-link:hover{color:#fff;background:var(--ink)}
@media (max-width:720px){
  .site-header .wrap{flex-direction:column;align-items:flex-start;padding-top:10px;padding-bottom:10px;gap:6px}
  .nav{gap:12px}.nav a{font-size:.9rem}.nav .cta-link{padding:4px 10px}
}

/* type */
h1,h2,h3{font-family:var(--serif);line-height:1.2;letter-spacing:-.01em;color:var(--ink)}
h1{font-size:clamp(2rem,4.5vw,3rem);margin:.2em 0 .4em}
h2{font-size:clamp(1.45rem,3vw,1.9rem);margin:1.8em 0 .5em}
h3{font-size:1.2rem;margin:1.4em 0 .4em}
p{margin:0 0 1em}
.lede{font-size:1.2rem;color:var(--ink-2)}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;font-weight:700;color:var(--brand)}
.meta{color:var(--muted);font-size:.9rem}
.breadcrumbs{font-size:.85rem;color:var(--muted);margin:22px 0 0}
.breadcrumbs a{color:var(--muted)}

/* hero */
.hero{padding:56px 0 40px;background:linear-gradient(180deg,var(--brand-2),var(--bg))}
.hero .lede{max-width:680px}
.btn{display:inline-block;background:var(--brand);color:#fff;text-decoration:none;font-weight:600;padding:13px 22px;border-radius:999px;border:0;font-size:1rem;cursor:pointer}
.btn:hover{background:var(--ink);color:#fff}
.btn.ghost{background:transparent;color:var(--brand);border:2px solid var(--brand)}
.btn.ghost:hover{background:var(--brand);color:#fff}
.btn-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}

/* stats */
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:14px;margin:30px 0}
.stat{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:16px}
.stat b{display:block;font-family:var(--serif);font-size:1.7rem;color:var(--brand)}
.stat span{font-size:.9rem;color:var(--ink-2)}

/* cards */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-decoration:none;color:var(--ink);display:block;transition:transform .15s,box-shadow .15s}
a.card:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(20,33,61,.08);color:var(--ink)}
.card h3{margin:.3em 0 .4em}
.card p{color:var(--ink-2);font-size:.96rem;margin:0}
.tag{display:inline-block;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--brand);background:var(--brand-2);padding:3px 8px;border-radius:6px}
.tag.amber{color:#8a5414;background:var(--warn)}
section{padding:12px 0 28px}

/* article */
article{padding-bottom:30px}
article ul,article ol{padding-left:1.3em}
article li{margin:.3em 0}
.callout{background:var(--brand-2);border-left:4px solid var(--brand);padding:16px 18px;border-radius:8px;margin:1.4em 0}
.callout.warn{background:var(--warn);border-color:var(--accent)}
.callout p:last-child{margin:0}
table{width:100%;border-collapse:collapse;margin:1em 0 1.6em;font-size:.95rem;background:var(--card)}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#f2f4f7;font-weight:600}
.table-scroll{overflow-x:auto}
.toc{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:14px 20px;margin:1.2em 0}
.toc ol{margin:.4em 0 0}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:12px 16px;margin:10px 0}
.faq summary{font-weight:600;cursor:pointer}
.faq details p{margin:.6em 0 0}

/* calculator */
.calc{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 4px 20px rgba(20,33,61,.05);margin:24px 0}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}
@media (max-width:820px){.calc-grid{grid-template-columns:1fr}}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;font-size:.93rem;margin-bottom:4px}
.field .hint{display:block;font-weight:400;color:var(--muted);font-size:.82rem}
.money{position:relative}
.money::before{content:"£";position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--muted)}
input[type=text],input[type=email],input[type=number],input[type=date],select{width:100%;padding:11px 12px;border:1px solid #cdd2db;border-radius:9px;font-size:1rem;font-family:inherit;background:#fff;color:var(--ink)}
.money input{padding-left:26px}
input:focus,select:focus{outline:2px solid var(--brand);outline-offset:1px;border-color:var(--brand)}
.seg{display:flex;flex-wrap:wrap;gap:6px}
.seg label{font-weight:500;border:1px solid #cdd2db;border-radius:999px;padding:7px 13px;cursor:pointer;font-size:.9rem;margin:0}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg input:checked+span{color:var(--brand);font-weight:700}
.seg label:has(input:checked){border-color:var(--brand);background:var(--brand-2)}
fieldset{border:0;padding:0;margin:0 0 14px}
legend{font-weight:600;font-size:.93rem;margin-bottom:6px;padding:0}
.result{background:var(--ink);color:#fff;border-radius:14px;padding:22px;position:sticky;top:84px;align-self:start}
.result h3{color:#fff;margin-top:0;font-size:1rem;font-family:var(--sans);text-transform:uppercase;letter-spacing:.08em;opacity:.8}
.result .big{font-family:var(--serif);font-size:2.6rem;line-height:1.1;margin:4px 0 6px}
.result .sub{opacity:.85;font-size:.95rem}
.result table{background:transparent;color:#fff;font-size:.9rem;margin:16px 0 0}
.result td{border-color:rgba(255,255,255,.15);padding:7px 0}
.result td:last-child{text-align:right;white-space:nowrap}
.result .tot td{font-weight:700;border-top:2px solid rgba(255,255,255,.4)}
.result .note{font-size:.82rem;opacity:.75;margin-top:14px}
.result .btn{background:var(--accent);margin-top:16px;width:100%;text-align:center}
.result .btn:hover{background:#fff;color:var(--ink)}
.bar{height:12px;border-radius:6px;background:rgba(255,255,255,.15);overflow:hidden;display:flex;margin:14px 0 6px}
.bar i{display:block;height:100%}
.legend{display:flex;gap:14px;font-size:.8rem;opacity:.85;flex-wrap:wrap}
.legend span::before{content:"";display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:5px;background:var(--c)}
.hidden{display:none!important}

/* lead form */
.lead{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:26px;margin:36px 0}
.lead h2{margin-top:0}
.lead .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:600px){.lead .row{grid-template-columns:1fr}}
.lead small{color:var(--muted);display:block;margin-top:10px}
.form-ok{background:var(--brand-2);padding:14px;border-radius:10px;font-weight:600}

/* footer */
.site-footer{background:var(--ink);color:#c9d0dc;margin-top:50px;padding:40px 0 30px;font-size:.9rem}
.site-footer a{color:#fff}
.site-footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
@media (max-width:720px){.site-footer .cols{grid-template-columns:1fr}}
.site-footer h4{color:#fff;margin:0 0 8px;font-size:.95rem}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:5px 0}
.disclaimer{border-top:1px solid rgba(255,255,255,.15);margin-top:26px;padding-top:16px;font-size:.8rem;color:#9aa4b5}

/* result actions + PDF report form */
.result-actions{display:grid;gap:10px;margin-top:18px}
.result .result-actions .btn{margin-top:0}
.result .btn.alt{background:transparent;border:2px solid rgba(255,255,255,.55);color:#fff}
.result .btn.alt:hover{background:#fff;color:var(--ink)}
.report-form{margin-top:16px;padding-top:14px;border-top:1px solid rgba(255,255,255,.2)}
.report-form .report-intro{font-size:.9rem;opacity:.9}
.result .report-form label{color:#fff;font-size:.88rem}
.result .report-form input[type=text],.result .report-form input[type=email]{margin-top:4px;padding:9px 11px}
.report-form .check{display:flex;gap:8px;align-items:flex-start;font-weight:400;margin:8px 0;cursor:pointer}
.report-form .check input{margin-top:4px}
.report-form small{display:block;opacity:.7;font-size:.75rem;margin-top:10px}
.report-form small a{color:#fff}
.report-msg:not(:empty){margin-top:14px;background:rgba(127,209,188,.18);border-radius:10px;padding:12px;font-size:.9rem}
.report-msg a{color:#fff;font-weight:600}
.result:has(.report-form:not(.hidden)),.result:has(.report-msg:not(:empty)){position:static}

.help-box{background:rgba(255,255,255,.08);border-radius:10px;padding:12px 14px;margin-top:14px;font-size:.88rem}
.help-box ul{margin:6px 0 0;padding-left:1.1em}
.help-box li{margin:2px 0}
.rules-note{font-size:.78rem;opacity:.7;margin:14px 0 0}
.report-form .row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}