:root{
  --ink:#1b1f24;--muted:#5a6572;--line:#dde3ea;--bg:#f6f8fb;--panel:#fff;
  --navy:#0b2e63;--navy-deep:#081f42;--blue:#1d70b8;--blue-dark:#155e9e;--soft:#eaf2f9;--sky:#7db8e8;
  --green:#00b67a;--accent:#ffab1f;--accent-ink:#2a1d00;--danger:#b5473a;
  --tax:#0b2e63;--bills:#1d70b8;--banking:#155e9e;--homes:#3f5f8f;--borrowing:#2e5c8a;--shopping:#4a6fa5;--travel:#1f7a8c;--insurance:#41608a;--family:#2b5d9b;--news:#081f42;
  --r:12px;--shadow:0 1px 2px rgba(11,46,99,.06),0 8px 24px rgba(11,46,99,.08);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.6 'Manrope',system-ui,-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
h1,h2,h3,h4{line-height:1.2;margin:0 0 .5em;letter-spacing:-.02em;font-weight:800;color:var(--navy)}
h1{font-size:2.1rem}h2{font-size:1.4rem}h3{font-size:1.05rem}
.wrap{max-width:1180px;margin:0 auto;padding:0 16px}
.btn{display:inline-block;background:var(--accent);color:var(--accent-ink);font-weight:800;padding:.65rem 1.1rem;border-radius:999px;border:0;cursor:pointer;white-space:nowrap;font-family:inherit;font-size:.95rem}
.btn:hover{background:#ffc04a;text-decoration:none}

/* trust strip + header */
.trust-strip{background:var(--navy-deep);color:#cfe0f5;font-size:.78rem;font-weight:600}
.trust-strip .wrap{display:flex;gap:22px;padding:6px 16px;overflow-x:auto;white-space:nowrap}
.top{background:var(--navy);color:#fff;position:sticky;top:0;z-index:10;box-shadow:0 2px 10px rgba(8,31,66,.25)}
.bar{display:flex;align-items:center;gap:16px;padding:12px 16px}
.logo{display:flex;align-items:center}
.logo img{height:36px;width:auto;display:block}
.logo .mark{display:inline-grid;place-items:center;width:34px;height:34px;border-radius:9px;background:var(--accent);color:var(--accent-ink);font-size:1.2rem}
.logo:hover{text-decoration:none}
.search{flex:1;display:flex;max-width:520px;margin-left:auto}
.search input{flex:1;border:0;border-radius:8px 0 0 8px;padding:.6rem .9rem;font-size:1rem;min-width:0;font-family:inherit}
.search button{border:0;background:var(--blue);color:#fff;padding:0 1rem;border-radius:0 8px 8px 0;cursor:pointer;font-family:inherit;font-weight:700}
.mainnav{display:flex;gap:2px;overflow-x:auto;padding:0 8px;background:#fff;max-width:none;border-bottom:1px solid var(--line)}
.mainnav a{color:var(--navy);padding:.65rem .55rem;font-size:.84rem;font-weight:700;white-space:nowrap;border-bottom:3px solid transparent}
.mainnav a:hover{border-color:var(--accent);text-decoration:none;color:var(--blue)}
@media(min-width:1000px){.mainnav{justify-content:center}}
@media(max-width:700px){.bar .btn{display:none}}
.cookie{position:fixed;left:16px;right:16px;bottom:16px;z-index:20;max-width:720px;margin:0 auto;background:var(--navy-deep);color:#fff;border-radius:var(--r);padding:14px 18px;display:flex;gap:16px;align-items:center;box-shadow:0 10px 30px rgba(0,0,0,.3);font-size:.9rem}
.cookie p{margin:0;flex:1}.cookie a{color:#fff;text-decoration:underline}
.cookie[hidden]{display:none}
@media(max-width:600px){.cookie{flex-direction:column;align-items:stretch;text-align:center}}

/* layout */
main{padding:24px 16px 48px}
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:32px;align-items:start}
@media(max-width:900px){.layout{grid-template-columns:1fr}}
.side{position:sticky;top:120px}
.side h4{margin-top:0;font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}
.lede{color:var(--muted);font-size:1.1rem;margin-top:-.25rem}

/* hero + trust tiles */
.hero{display:grid;grid-template-columns:1.4fr 1fr;gap:24px;margin-bottom:24px}
@media(max-width:900px){.hero{grid-template-columns:1fr}}
.hero-side{display:grid;gap:12px;align-content:start}
.mini{display:block;background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:12px 14px;color:var(--ink)}
.mini strong{display:block;color:var(--navy)}
.mini span{color:var(--muted);font-size:.9rem}
.mini:hover{text-decoration:none;border-color:var(--blue)}
.why{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px;margin:0 0 36px}
.why .t{background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:14px 16px 14px 44px;position:relative;font-size:.9rem;color:var(--muted)}
.why .t::before{content:"✓";position:absolute;left:14px;top:14px;width:22px;height:22px;border-radius:50%;background:var(--green);color:#fff;font-weight:800;display:grid;place-items:center;font-size:.8rem}
.why b{display:block;color:var(--navy);font-size:1rem;margin-bottom:2px}

/* cards */
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:18px}
.card{display:flex;flex-direction:column;background:var(--panel);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;color:var(--ink);box-shadow:var(--shadow);transition:transform .12s,box-shadow .12s}
.card:hover{text-decoration:none;transform:translateY(-2px);box-shadow:0 12px 28px rgba(11,46,99,.14)}
.card .img{aspect-ratio:16/9;position:relative;overflow:hidden;background:linear-gradient(135deg,var(--c,var(--navy)),color-mix(in srgb,var(--c,var(--navy)) 70%,#000))}
.card .img img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .3s}
.card:hover .img img{transform:scale(1.03)}
.card .img span{position:absolute;left:10px;bottom:10px;background:rgba(8,31,66,.82);color:#fff;font-weight:700;font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;padding:3px 9px;border-radius:5px}
.card .body{padding:14px 16px 16px;display:flex;flex-direction:column;gap:6px;flex:1}
.card h3{color:var(--navy)}
.card p{margin:0;color:var(--muted);font-size:.93rem;flex:1}
.card .meta,.meta{color:var(--muted);font-size:.8rem}
.card.big .img{aspect-ratio:2/1}
.card.big h3{font-size:1.55rem}
.card.big p{font-size:1.05rem}
.s-tax{--c:var(--tax)}.s-bills{--c:var(--bills)}.s-banking{--c:var(--banking)}.s-homes{--c:var(--homes)}.s-borrowing{--c:var(--borrowing)}.s-shopping{--c:var(--shopping)}.s-travel{--c:var(--travel)}.s-insurance{--c:var(--insurance)}.s-family{--c:var(--family)}.s-news{--c:var(--news)}

.block{margin-bottom:36px}
.bh{display:flex;justify-content:space-between;align-items:baseline;border-bottom:3px solid var(--navy);margin-bottom:16px}
.bh h2{margin:0 0 6px}
.bh a{font-weight:700}

/* side panels */
.nl{background:var(--soft);border-radius:var(--r);padding:18px;margin-top:20px}
.nl.big{background:var(--navy);color:#fff;margin-top:0}
.nl.big h2{color:#fff}
.nl.plain{background:var(--panel);border:1px solid var(--line)}
.nl h4{color:var(--navy)}
.nl p{margin:.3rem 0 .8rem}
.nlform{display:flex;gap:8px;flex-wrap:wrap;align-items:end;margin-top:1rem}
.nlform label{display:flex;flex-direction:column;gap:4px;flex:1;min-width:220px;font-weight:600}
.nlform input{padding:.6rem .8rem;border:1px solid var(--line);border-radius:8px;font-size:1rem;font-family:inherit}
.newslist{list-style:none;padding:0;margin:0}
.newslist li{padding:8px 0;border-bottom:1px solid var(--line);display:flex;flex-direction:column}
.newslist a{font-weight:700;color:var(--navy)}
.kn{width:100%;border-collapse:collapse;font-size:.9rem}
.kn td{padding:5px 0;border-bottom:1px solid var(--line)}
.kn td:last-child{text-align:right;font-weight:800;color:var(--navy)}
.ticks{list-style:none;padding:0;margin:0;font-size:.9rem}
.ticks li{padding:4px 0 4px 24px;position:relative}
.ticks li::before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:800}
.dates{list-style:none;padding:0;margin:0;font-size:.9rem}
.dates li{display:grid;grid-template-columns:92px 1fr;gap:8px;padding:7px 0;border-bottom:1px solid var(--line)}
.dates b{color:var(--navy);font-size:.82rem}
.dates.big{font-size:1rem}.dates.big li{grid-template-columns:130px 1fr;padding:12px 0}

/* article */
.crumb{font-size:.85rem;color:var(--muted);margin:0 0 8px}
.article h1{font-size:2.3rem;max-width:32ch}
.standfirst{font-size:1.2rem;color:var(--muted);max-width:60ch;margin-top:0}
.byline{display:flex;gap:12px;align-items:center;margin:18px 0;padding:12px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);font-size:.85rem;color:var(--muted);max-width:72ch}
.byline b{display:block;color:var(--navy);font-size:.95rem}
.avatar{width:38px;height:38px;border-radius:9px;flex:none}
.hero-img{width:100%;max-width:72ch;aspect-ratio:2/1;object-fit:cover;border-radius:var(--r);display:block;margin:0 0 20px}
.prose{max-width:72ch;font-size:1.05rem}
.prose.narrow{max-width:60ch}
.prose h2{margin-top:1.8em;padding-top:.3em;border-top:1px solid var(--line)}
.prose h3{margin-top:1.4em}
.prose li{margin:.3em 0}
.prose table{border-collapse:collapse;width:100%;margin:1em 0;font-size:.95rem}
.prose th,.prose td{text-align:left;padding:8px 10px;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{background:var(--soft);color:var(--navy)}
.callout{background:#fff7e6;border-left:4px solid var(--accent);padding:12px 16px;border-radius:0 var(--r) var(--r) 0;margin:1.2em 0}
.sources{margin-top:2rem;padding:14px 16px 14px 48px;background:var(--soft);border-radius:var(--r);font-size:.9rem;color:var(--muted);max-width:72ch;position:relative}
.sources::before{content:"✓";position:absolute;left:16px;top:14px;width:22px;height:22px;border-radius:50%;background:var(--green);color:#fff;font-weight:800;display:grid;place-items:center;font-size:.8rem}
.sources b{display:block;color:var(--navy);margin-bottom:2px}
.disclaimer{margin-top:1rem;padding:14px 16px;background:var(--panel);border:1px dashed var(--line);border-radius:var(--r);font-size:.9rem;color:var(--muted);max-width:72ch}

/* calculator */
.calc{display:grid;gap:12px;background:var(--panel);border:1px solid var(--line);border-radius:var(--r);padding:18px;margin:1em 0}
.calc label{display:flex;flex-direction:column;gap:4px;font-weight:700;font-size:.95rem}
.calc input,.calc select{padding:.6rem .8rem;border:1px solid var(--line);border-radius:8px;font-size:1rem;font-family:inherit}
#calc-out{width:100%;border-collapse:collapse;margin:1em 0}
#calc-out td{padding:8px 10px;border-bottom:1px solid var(--line)}
#calc-out td:last-child{text-align:right;font-weight:700}
#calc-out tr.total td{font-weight:800;color:var(--navy);font-size:1.1rem;background:var(--soft)}

/* footer */
.foot{background:var(--navy-deep);color:#c9d6e8;padding:36px 0 24px;margin-top:40px;font-size:.92rem}
.foot h4{color:#fff}
.foot a{color:#fff;text-decoration:underline}
.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}
.company{margin-top:24px;padding-top:18px;border-top:1px solid rgba(255,255,255,.15);font-size:.82rem;opacity:.85}
.company p{margin:.4rem 0}
.small{font-size:.8rem;opacity:.6;margin-top:16px}