/* UK Money Daily — shared stylesheet */
:root{
  --ink:#0d0d0d; --paper:#f5f0e8; --cream:#ede8db; --gold:#8b6a1f; --gold-bright:#c9a84c; --gold-light:#e8d5a3;
  --green:#1a6641; --green-light:#e8f5ee; --red:#8b1a1a; --red-light:#f5e8e8; --amber:#7a5214; --amber-light:#f5ede8;
  --border:#d4cfc4; --muted:#555; --text:#2b2b2b; --white:#fff;
}
*{margin:0;padding:0;box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{background:var(--paper);color:var(--ink);font-family:'DM Sans',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;font-size:16px;line-height:1.6;min-height:100vh;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:#1d4f8a}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--gold-bright);outline-offset:2px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:10px 14px;z-index:100}
.skip-link:focus{left:8px;top:8px}
.wrap{max-width:900px;margin:0 auto;padding:0 20px}
.wrap.wide{max-width:980px}

/* NAV */
.site-nav{background:var(--ink)}
.nav-inner{max-width:980px;margin:0 auto;padding:0 12px;display:flex;overflow-x:auto;scrollbar-width:none}
.nav-inner::-webkit-scrollbar{display:none}
.site-nav a{color:#ddd;text-decoration:none;font-family:'DM Mono',ui-monospace,monospace;font-size:12px;letter-spacing:1.5px;text-transform:uppercase;padding:13px 14px;display:block;white-space:nowrap}
.site-nav a:hover,.site-nav a[aria-current="page"]{color:var(--gold-bright);background:#1a1a1a}

/* MASTHEAD */
.masthead{border-bottom:3px double var(--ink);padding:18px 0 12px;text-align:center}
.masthead::after{content:'';display:block;height:1px;background:var(--ink);margin-top:8px}
.masthead-tag{font-family:'DM Mono',monospace;font-size:11px;letter-spacing:3px;text-transform:uppercase;color:var(--gold);margin-bottom:4px}
.masthead-title{font-family:'Playfair Display',Georgia,serif;font-size:clamp(28px,5vw,46px);font-weight:900;letter-spacing:-1px;line-height:1.05}
.masthead-title a{text-decoration:none;color:inherit}
.masthead-sub{font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--muted);margin-top:5px}

/* BREADCRUMB */
.breadcrumb{font-size:13px;color:var(--muted);padding:14px 0 0}
.breadcrumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.breadcrumb li+li::before{content:'›';margin-right:6px;color:#999}
.breadcrumb a{color:var(--muted)}

/* PAGE HEAD */
.page-hero{padding:26px 0 22px;border-bottom:1px solid var(--border)}
.page-tag{font-family:'DM Mono',monospace;font-size:11px;letter-spacing:3px;color:var(--gold);text-transform:uppercase;margin-bottom:12px}
.page-hero h1{font-family:'Playfair Display',Georgia,serif;font-size:clamp(30px,5vw,46px);font-weight:900;line-height:1.12;margin-bottom:14px}
.page-hero .lede{font-size:17px;color:#444;max-width:680px;line-height:1.65}
.byline{font-size:13px;color:var(--muted);margin-top:14px;display:flex;flex-wrap:wrap;gap:6px 14px}
.byline a{color:var(--muted)}

/* PROSE */
.prose{padding:28px 0 8px}
.prose h2{font-family:'Playfair Display',Georgia,serif;font-size:clamp(22px,3.4vw,27px);font-weight:700;line-height:1.25;margin:36px 0 12px;padding-bottom:8px;border-bottom:1px solid var(--border)}
.prose h2:first-child{margin-top:0}
.prose h3{font-family:'Playfair Display',Georgia,serif;font-size:20px;font-weight:700;line-height:1.3;margin:24px 0 8px}
.prose h4{font-size:16px;margin:18px 0 6px}
.prose p{font-size:16.5px;line-height:1.8;color:var(--text);margin-bottom:16px}
.prose ul,.prose ol{padding-left:24px;margin-bottom:16px}
.prose li{font-size:16.5px;line-height:1.75;color:var(--text);margin-bottom:6px}
.prose strong{color:var(--ink)}
.prose blockquote{border-left:4px solid var(--gold-bright);background:var(--white);padding:14px 18px;margin:18px 0;color:#333}
.table-scroll{overflow-x:auto;margin:18px 0 22px;-webkit-overflow-scrolling:touch}
.prose table{width:100%;border-collapse:collapse;background:var(--white);font-size:15px;min-width:420px}
.prose th,.prose td{border:1px solid var(--border);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:var(--ink);color:#fff;font-weight:600}
.prose tbody tr:nth-child(even) td{background:#faf8f3}
.formula{font-family:'DM Mono',ui-monospace,monospace;background:var(--white);border:1px solid var(--border);border-left:4px solid var(--gold-bright);padding:12px 16px;margin:14px 0 18px;font-size:15px;overflow-x:auto}
.callout{background:var(--white);border:1px solid var(--border);border-left:4px solid var(--green);padding:16px 18px;margin:20px 0}
.callout.warn{border-left-color:var(--amber)}
.callout p:last-child{margin-bottom:0}
.key-answer{background:var(--white);border:1px solid var(--border);border-top:3px solid var(--ink);padding:18px 20px;margin:0 0 8px}
.key-answer h2{border:0;margin:0 0 8px;padding:0;font-size:19px}
.key-answer p{margin-bottom:0}

/* SOURCES / RELATED */
.sources,.related{border-top:1px solid var(--border);padding:22px 0;margin-top:10px}
.sources h2,.related h2{font-family:'Playfair Display',Georgia,serif;font-size:20px;margin-bottom:10px}
.sources ul{padding-left:20px}
.sources li{font-size:14.5px;margin-bottom:6px;color:var(--text)}
.related ul{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.related a{display:block;background:var(--white);border:1px solid var(--border);padding:12px 14px;text-decoration:none;color:var(--ink);font-weight:500;height:100%}
.related a:hover{border-color:var(--ink)}
.review-note{font-size:13.5px;color:var(--muted);background:var(--cream);padding:12px 14px;margin:18px 0}

/* CARDS / HUB */
.section-title{font-family:'Playfair Display',Georgia,serif;font-size:26px;font-weight:700;margin:34px 0 6px}
.section-intro{color:#444;margin-bottom:16px}
.card-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-bottom:10px}
.card{background:var(--white);border:1px solid var(--border);padding:16px 18px;display:flex;flex-direction:column}
.card h3{font-family:'Playfair Display',Georgia,serif;font-size:18px;line-height:1.3;margin-bottom:6px}
.card h3 a{color:var(--ink);text-decoration:none}
.card h3 a:hover{text-decoration:underline}
.card p{font-size:14.5px;color:#555;line-height:1.6}
.card .meta{font-family:'DM Mono',monospace;font-size:11px;letter-spacing:1px;text-transform:uppercase;color:var(--gold);margin-bottom:6px}
.topic-nav{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0 4px}
.topic-nav a{font-size:13px;border:1px solid var(--ink);padding:6px 12px;text-decoration:none;color:var(--ink);background:var(--white)}
.topic-nav a:hover{background:var(--ink);color:#fff}

/* CALCULATORS */
.calc{background:var(--white);border:1px solid var(--border);border-top:3px solid var(--ink);padding:22px;margin:24px 0}
.calc h2{font-family:'Playfair Display',Georgia,serif;font-size:22px;margin-bottom:4px}
.calc .calc-intro{font-size:14.5px;color:#555;margin-bottom:16px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid var(--border);border-top:3px solid var(--ink);margin:20px 0}
.calc-col{padding:24px}
.calc-col+.calc-col{border-left:1px solid var(--border);background:var(--cream)}
.col-header{font-family:'DM Mono',monospace;font-size:11px;letter-spacing:3px;text-transform:uppercase;color:var(--gold);border-bottom:1px solid var(--border);padding-bottom:10px;margin-bottom:18px}
.field{margin-bottom:16px}
.field label,.field .label{display:block;font-size:13px;font-weight:600;letter-spacing:.5px;color:#333;margin-bottom:6px}
.field input,.field select{width:100%;background:#fff;border:1px solid #b9b3a6;border-radius:0;padding:11px 12px;font-family:inherit;font-size:16px;color:var(--ink);-webkit-appearance:none;appearance:none;min-height:46px}
.field select{background-image:linear-gradient(45deg,transparent 50%,#555 50%),linear-gradient(135deg,#555 50%,transparent 50%);background-position:calc(100% - 18px) 50%,calc(100% - 13px) 50%;background-size:5px 5px;background-repeat:no-repeat;padding-right:34px}
.field input:focus,.field select:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 3px var(--gold-light)}
.prefix{position:relative}
.prefix span{position:absolute;left:12px;top:50%;transform:translateY(-50%);font-weight:600;color:#666;pointer-events:none}
.prefix input{padding-left:28px}
.hint{font-size:12.5px;color:#666;margin-top:4px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.divider{font-family:'DM Mono',monospace;font-size:11px;letter-spacing:2px;text-transform:uppercase;color:#777;border-top:1px solid var(--border);padding-top:14px;margin:18px 0 14px}
.btn{display:inline-block;width:100%;background:var(--ink);color:var(--paper);border:0;padding:15px 16px;font-family:'Playfair Display',Georgia,serif;font-size:18px;font-weight:700;cursor:pointer;margin-top:6px;min-height:52px}
.btn:hover{background:#2a2a2a}
.btn-secondary{background:none;color:var(--ink);border:1px solid var(--ink);font-family:inherit;font-size:14px;padding:10px 20px;cursor:pointer;width:auto;min-height:44px}
.btn-secondary:hover{background:var(--ink);color:#fff}
.form-error{color:var(--red);font-size:14px;margin-top:10px;min-height:1em}
.results{margin-top:20px}
.results[hidden]{display:none}
.result-table{width:100%;border-collapse:collapse;background:#fff;font-size:15px}
.result-table th,.result-table td{border-bottom:1px solid var(--border);padding:10px 12px;text-align:left}
.result-table td.num,.result-table th.num{text-align:right;font-family:'DM Mono',monospace;white-space:nowrap}
.result-table thead th{background:var(--ink);color:#fff;font-weight:600}
.result-table tr.total td{background:var(--cream);font-weight:700}
.big-result{background:var(--ink);color:var(--paper);padding:18px 20px;margin-bottom:14px}
.big-result .label{font-family:'DM Mono',monospace;font-size:11px;letter-spacing:2px;text-transform:uppercase;color:var(--gold-light)}
.big-result .value{font-family:'Playfair Display',Georgia,serif;font-size:clamp(26px,5vw,38px);font-weight:900;line-height:1.15}
.big-result .sub{font-size:14px;color:#ddd;margin-top:4px}
.assumptions{font-size:13.5px;color:#555;margin-top:12px}

/* Job offer verdict */
.verdict-banner{text-align:center;padding:26px 20px 20px;border:3px solid var(--ink);margin-bottom:20px;background:#fff}
.verdict-stamp{display:inline-block;font-family:'Playfair Display',Georgia,serif;font-size:clamp(28px,5vw,42px);font-weight:900;padding:6px 20px;border:4px solid;transform:rotate(-2deg);margin-bottom:10px}
.verdict-stamp.green{color:var(--green);border-color:var(--green);background:var(--green-light)}
.verdict-stamp.red{color:var(--red);border-color:var(--red);background:var(--red-light)}
.verdict-stamp.amber{color:var(--amber);border-color:var(--amber);background:var(--amber-light)}
.verdict-sub{font-size:15px;color:#444;max-width:460px;margin:6px auto 0}
.score-row{display:flex;justify-content:space-between;font-size:12px;letter-spacing:1px;text-transform:uppercase;color:#666;margin:16px 0 6px;font-family:'DM Mono',monospace}
.score-track{height:12px;background:var(--cream);border:1px solid var(--border);position:relative}
.score-fill{height:100%;background:linear-gradient(90deg,#8b1a1a 0%,#c9a84c 50%,#1a6641 100%);width:0;transition:width .8s ease}
.metrics{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--border);border:1px solid var(--border);margin:20px 0}
.metric{background:#fff;padding:16px}
.metric.hl{background:var(--ink);color:var(--paper)}
.metric .m-label{font-size:11px;letter-spacing:1.5px;text-transform:uppercase;color:#666;font-family:'DM Mono',monospace;margin-bottom:6px}
.metric.hl .m-label{color:var(--gold-light)}
.metric .m-value{font-family:'Playfair Display',Georgia,serif;font-size:clamp(20px,3vw,26px);font-weight:700;line-height:1.1}
.metric .m-delta{font-size:12.5px;margin-top:4px;font-family:'DM Mono',monospace}
.up{color:var(--green)} .down{color:var(--red)}
.metric.hl .up{color:#8fd6ae} .metric.hl .down{color:#f0a3a3}
.factor{display:flex;gap:12px;padding:12px 16px;border-bottom:1px dotted var(--border);font-size:14.5px;background:#fff}
.factor .ic{width:24px;height:24px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:12px;flex-shrink:0}
.factor .ic.pos{background:var(--green-light);color:var(--green)} .factor .ic.neg{background:var(--red-light);color:var(--red)} .factor .ic.neu{background:var(--amber-light);color:var(--amber)}
.box-head{background:var(--ink);color:var(--paper);padding:10px 16px;font-family:'DM Mono',monospace;font-size:12px;letter-spacing:2px;text-transform:uppercase}
.boxed{border:1px solid var(--border);margin-bottom:18px}

/* STEPS */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:10px 0 0}
.step{text-align:center;padding:12px}
.step-num{font-family:'Playfair Display',Georgia,serif;font-size:34px;font-weight:900;color:var(--gold);line-height:1;margin-bottom:6px}
.step h3{font-size:15px;font-weight:600;margin-bottom:4px;font-family:inherit}
.step p{font-size:14px;color:#555}

/* FAQ (native details) */
.faq details{border-bottom:1px solid var(--border);padding:14px 0}
.faq summary{font-weight:600;font-size:16px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';font-size:20px;line-height:1}
.faq details[open] summary::after{content:'−'}
.faq details p{margin:10px 0 0;font-size:15.5px;color:#444;line-height:1.75}

/* CONTACT */
.contact-form .field textarea{width:100%;border:1px solid #b9b3a6;padding:11px 12px;font-family:inherit;font-size:16px;min-height:150px;resize:vertical}

/* FOOTER */
.site-footer{background:var(--ink);color:#bbb;margin-top:48px;padding:34px 0 20px}
.footer-inner{max-width:980px;margin:0 auto;padding:0 20px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:28px;margin-bottom:22px}
.footer-brand{font-family:'Playfair Display',Georgia,serif;font-size:22px;font-weight:900;color:#fff;margin-bottom:8px}
.footer-grid p{font-size:13.5px;line-height:1.7;color:#aaa}
.footer-col h2{font-family:'DM Mono',monospace;font-size:11px;letter-spacing:2px;text-transform:uppercase;color:var(--gold-bright);margin-bottom:10px;font-weight:500}
.footer-col a{display:block;color:#bbb;text-decoration:none;font-size:14px;margin-bottom:8px}
.footer-col a:hover{color:#fff;text-decoration:underline}
.footer-bottom{border-top:1px solid #2a2a2a;padding-top:14px;font-size:12.5px;color:#999;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px}
.footer-bottom a{color:var(--gold-bright)}

@media (max-width:760px){
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-grid>div:first-child{grid-column:1/-1}
}
@media (max-width:640px){
  .calc-grid,.steps,.card-grid,.related ul{grid-template-columns:1fr}
  .calc-col+.calc-col{border-left:0;border-top:1px solid var(--border)}
  .calc-col{padding:18px}
  .two-col{grid-template-columns:1fr;gap:0}
  .metrics{grid-template-columns:1fr}
  .calc{padding:16px}
  .prose p,.prose li{font-size:16px}
}
@media print{.site-nav,.site-footer,.related{display:none}body{background:#fff}}
fieldset.calc-col{min-width:0;margin:0}
fieldset.calc-col>legend{float:left;width:100%;padding:0}
fieldset.calc-col>legend+*{clear:both}
.home-hero h1 em{font-style:italic;color:var(--gold)}
.two-col{align-items:end}
.hero-img{margin:0 0 22px}
.hero-img img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border:1px solid var(--border)}