/* When Can I Retire? : site styles (approved "Version 1" homepage, extended to every page) */
@import url("/fonts/fonts.css");

:root {
  --ink:#14213D;          /* navy: main brand colour */
  --blue:#3461A8; --pale:#D4E9F4; --mist:#F1F6FB;
  --yellow:#FFE38E; --orange:#EA6C34; --orange-d:#D45A24;
  --grey:#5A6478; --soft:#C9D1E0;
  --paper:#FCFBF8; --line:#E3E9F1; --rule:#E4E1DA;
  --display:"Plus Jakarta Sans", system-ui, sans-serif;
  --title:"Syne", system-ui, sans-serif;
  --body:"DM Sans", system-ui, sans-serif;
  --wrap:1152px; --gutter:64px;
}
*, *::before, *::after { box-sizing:border-box; }
html { -webkit-text-size-adjust:100%; scroll-behavior:smooth; }
body { margin:0; background:var(--paper); color:var(--ink); font-family:var(--body); font-size:17px; line-height:1.6; -webkit-font-smoothing:antialiased; }
img { max-width:100%; height:auto; display:block; }
a { color:inherit; }
h1, h2, h3, h4 { font-family:var(--display); font-weight:700; letter-spacing:-.02em; line-height:1.12; margin:0; color:var(--ink); }
p { margin:0 0 1em; }
.wrap { max-width:calc(var(--wrap) + 2*var(--gutter)); margin:0 auto; padding:0 var(--gutter); }
.label { font-family:var(--body); font-size:13px; font-weight:700; letter-spacing:.1em; text-transform:uppercase; }
.label.o { color:var(--orange); }
.sr-only { position:absolute; width:1px; height:1px; overflow:hidden; clip:rect(0 0 0 0); white-space:nowrap; }
.skip { position:absolute; left:-999px; top:8px; background:var(--ink); color:#fff; padding:10px 14px; border-radius:8px; z-index:99; }
.skip:focus { left:8px; }
:focus-visible { outline:3px solid var(--orange); outline-offset:2px; border-radius:4px; }

/* ---------- header ---------- */
.util { background:var(--ink); color:var(--soft); font-size:13px; }
.util .wrap { display:flex; justify-content:space-between; gap:16px; padding-top:11px; padding-bottom:11px; }
.util b { color:#fff; font-weight:600; }
.util a { color:#fff; text-decoration:none; } .util a:hover { text-decoration:underline; }
.site-head { position:relative; background:var(--paper); border-bottom:3px solid var(--ink); }
.head-row { display:flex; align-items:center; justify-content:space-between; gap:32px; padding-top:18px; padding-bottom:18px; }
.logo { display:block; flex:0 0 auto; }
.logo img { height:66px; width:auto; mix-blend-mode:multiply; }
.menu ul { list-style:none; margin:0; padding:0; display:flex; justify-content:flex-end; align-items:center; gap:30px; }
.menu li { position:relative; }
.menu a, .menu button { display:block; padding:10px 0; font:600 15px/1 var(--body); color:var(--ink); text-decoration:none; background:none; border:0; cursor:pointer; }
.menu a:hover, .menu button:hover, .menu a[aria-current] { color:var(--orange); }
.menu .last a { color:#fff; background:var(--ink); padding:11px 16px; border-radius:10px; }
.menu .last a:hover, .menu .last a[aria-current] { background:var(--orange); color:#fff; }
.menu .drop { position:absolute; left:-14px; top:100%; background:#fff; border:1px solid var(--line); border-radius:14px; padding:8px; min-width:270px; box-shadow:0 20px 40px rgba(20,33,61,.12); display:none; z-index:20; }
.menu li:hover .drop, .menu li:focus-within .drop { display:block; }
.menu .drop a { padding:12px 14px; border-radius:8px; font-weight:500; }
.menu .drop a:hover { background:var(--mist); color:var(--ink); }
.menu .menu-toggle { display:none; }

/* ---------- buttons, links ---------- */
.btn { display:inline-block; background:var(--orange); color:#fff; border:0; border-radius:10px; padding:14px 22px; font:600 15px/1.2 var(--body); text-decoration:none; cursor:pointer; text-align:center; }
.btn:hover { background:var(--orange-d); }
.btn.ghost { background:#fff; color:var(--ink); border:1.5px solid var(--line); }
.btn.ghost:hover { border-color:var(--ink); }
.btn.navy { background:var(--ink); }
.ul { font-weight:600; color:var(--ink); text-decoration:none; border-bottom:2px solid var(--yellow); }
.ul:hover { border-color:var(--orange); }
.aff { font-size:.75em; vertical-align:super; margin-left:1px; }

/* ---------- homepage ---------- */
.front { display:grid; grid-template-columns:1.55fr 1fr; gap:48px; padding:44px 0 56px; }
.lead img { width:100%; aspect-ratio:16/9; object-fit:cover; border-radius:6px; }
.lead .label { margin-top:22px; color:var(--orange); }
.lead h1, .lead h2 { font-size:50px; line-height:1.06; margin-top:10px; }
.lead h1 a, .lead h2 a { text-decoration:none; }
.lead h1 a:hover, .lead h2 a:hover { text-decoration:underline; text-decoration-thickness:2px; text-underline-offset:5px; }
.lead p { font-size:19px; line-height:1.55; color:var(--grey); margin-top:14px; }
.by { display:flex; align-items:center; gap:12px; margin-top:20px; font-size:14px; color:var(--grey); }
.by img { width:36px; height:36px; border-radius:50%; object-fit:cover; }
.by b { color:var(--ink); }
.side > .label { padding-bottom:12px; border-bottom:3px solid var(--ink); }
.item { display:grid; grid-template-columns:44px 1fr 96px; gap:16px; padding:20px 0; border-bottom:1px solid var(--rule); align-items:start; text-decoration:none; }
.item .n { font-family:var(--display); font-size:32px; font-weight:700; line-height:1; }
.item h3 { font-family:var(--title); font-weight:600; font-size:18px; line-height:1.25; letter-spacing:0; }
.item:hover h3 { text-decoration:underline; }
.item small { display:block; margin-top:6px; color:var(--grey); font-size:13px; }
.item img { width:96px; height:72px; object-fit:cover; border-radius:4px; }
.q { background:var(--ink); color:#fff; border-radius:10px; padding:26px; margin-top:26px; }
.q h1, .q h2, .q h3 { font-family:var(--display); color:#fff; font-size:26px; letter-spacing:-.02em; }
.q h1 span, .q h2 span, .q h3 span { color:var(--yellow); }
.q p { color:var(--soft); font-size:15px; margin:6px 0 0; }
.q form { display:flex; gap:8px; margin-top:16px; }
.q input { flex:1; min-width:0; border:0; border-radius:8px; padding:12px; font:15px var(--body); }
.q .btn { padding:12px 18px; }
.facts { background:var(--ink); color:#fff; display:grid; grid-template-columns:repeat(3,1fr); border-radius:10px; }
.facts div { padding:28px 32px; }
.facts div + div { border-left:1px solid rgba(255,255,255,.14); }
.facts b { display:block; font-family:var(--display); font-weight:700; font-size:46px; color:var(--yellow); letter-spacing:-.02em; line-height:1; }
.facts span { display:block; margin-top:10px; color:var(--soft); font-size:15px; line-height:1.45; }
.band { margin-top:56px; border-top:3px solid var(--ink); padding:22px 0 64px; }
.band-top { display:flex; justify-content:space-between; align-items:baseline; gap:16px; }
.band-top h2 { font-family:var(--body); font-size:13px; font-weight:700; letter-spacing:.1em; text-transform:uppercase; }
.tools { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; margin-top:22px; }
.tool { background:#fff; border:1.5px solid var(--line); border-radius:18px; overflow:hidden; text-decoration:none; display:flex; flex-direction:column; transition:box-shadow .2s, transform .2s; }
.tool:hover { box-shadow:0 16px 36px rgba(20,33,61,.10); transform:translateY(-2px); }
.tool img { width:100%; aspect-ratio:16/9; object-fit:cover; }
.tool > div { padding:22px 24px 26px; }
.tool h3 { font-family:var(--title); font-weight:600; font-size:20px; letter-spacing:0; }
.tool p { color:var(--grey); font-size:15px; margin:6px 0 0; }
.tool .go { display:inline-block; margin-top:16px; font-weight:600; border-bottom:2px solid var(--yellow); }
.reviews { border-top:3px solid var(--ink); padding:22px 0 64px; display:grid; grid-template-columns:300px 1fr; gap:48px; }
.reviews h2 { font-size:36px; margin-top:12px; }
.reviews p.s { color:var(--grey); margin-top:12px; font-size:16px; line-height:1.5; }

/* tables (rank tables, scoring, fees) */
.tbl { width:100%; border-collapse:collapse; font-size:16px; }
.tbl th { text-align:left; font-size:12px; text-transform:uppercase; letter-spacing:.08em; color:var(--grey); padding:0 12px 12px 0; border-bottom:1px solid var(--rule); font-weight:600; }
.tbl td { padding:18px 12px 18px 0; border-bottom:1px solid var(--rule); vertical-align:top; }
.tbl td:first-child { font-weight:600; }
.tbl .r { text-align:right; white-space:nowrap; }
.tbl .r a { font-weight:600; text-decoration:none; } .tbl .r a:hover { text-decoration:underline; }
.badge { display:inline-block; background:var(--yellow); color:var(--ink); font-size:12px; font-weight:700; padding:4px 8px; border-radius:4px; margin-left:8px; vertical-align:2px; line-height:1.2; }
.score { font-weight:700; white-space:nowrap; }
.tbl-wrap { overflow-x:auto; -webkit-overflow-scrolling:touch; }

/* newsletter + footer */
.news { background:var(--ink); color:#fff; }
.news .wrap { padding-top:48px; padding-bottom:48px; display:grid; grid-template-columns:1fr 1fr; gap:48px; align-items:center; }
.news h2 { color:#fff; font-size:34px; } .news h2 span { color:var(--yellow); }
.news p { color:var(--soft); margin:8px 0 0; }
.signup { display:flex; flex-wrap:wrap; gap:6px; background:#fff; border-radius:10px; padding:6px; }
.signup input { flex:1 1 140px; min-width:0; border:0; padding:14px 16px; font:16px var(--body); border-radius:8px; color:var(--ink); }
.signup input + input { border-left:1px solid var(--line); border-radius:0; }
.signup .btn { flex:0 0 auto; }
.form-msg { margin-top:10px; font-size:14px; color:var(--yellow); min-height:1em; }
footer.site { background:#0E1830; color:var(--soft); font-size:15px; }
footer.site .wrap { padding-top:56px; padding-bottom:40px; }
.foot-grid { display:grid; grid-template-columns:1.4fr repeat(3,1fr); gap:40px; }
.foot-grid img { height:64px; width:auto; }
.foot-grid h2 { font-family:var(--body); font-size:13px; letter-spacing:.1em; text-transform:uppercase; color:#fff; margin-bottom:14px; }
.foot-grid ul { list-style:none; margin:0; padding:0; display:grid; gap:10px; }
.foot-grid a { color:var(--soft); text-decoration:none; } .foot-grid a:hover { color:#fff; text-decoration:underline; }
.foot-legal { margin-top:40px; padding-top:24px; border-top:1px solid rgba(255,255,255,.12); font-size:13px; line-height:1.6; color:#9AA5BC; }
.foot-legal p { max-width:900px; }

/* ---------- inner pages ---------- */
.crumbs { font-size:14px; color:var(--grey); padding:22px 0 0; }
.crumbs ol { list-style:none; display:flex; flex-wrap:wrap; gap:8px; margin:0; padding:0; }
.crumbs li + li::before { content:"/"; margin-right:8px; color:var(--rule); }
.crumbs a { text-decoration:none; } .crumbs a:hover { text-decoration:underline; }
.page-head { padding:26px 0 36px; border-bottom:1px solid var(--rule); }
.page-head h1 { font-size:54px; line-height:1.05; }
.page-head .standfirst { font-size:20px; line-height:1.55; color:var(--grey); margin:16px 0 0; }
.page-head.split { display:grid; grid-template-columns:1.3fr 1fr; gap:48px; align-items:center; }
.page-head.split img { border-radius:14px; aspect-ratio:16/10; object-fit:cover; width:100%; }
.section { padding:56px 0; }
.section + .section { border-top:1px solid var(--rule); }
.section-head { border-top:3px solid var(--ink); padding-top:22px; margin-bottom:26px; display:flex; justify-content:space-between; align-items:baseline; gap:16px; }
.section-head h2 { font-size:36px; }

/* article */
.article { display:grid; grid-template-columns:minmax(0,1fr) 320px; gap:64px; padding:36px 0 72px; }
.article-head .label { color:var(--orange); }
.article-head h1 { font-size:52px; line-height:1.05; margin-top:12px; }
.article-head .standfirst { font-size:21px; line-height:1.5; color:var(--grey); margin:16px 0 0; }
.byline { display:flex; align-items:center; gap:14px; margin:24px 0 28px; padding:16px 0; border-top:1px solid var(--rule); border-bottom:1px solid var(--rule); font-size:15px; color:var(--grey); }
.byline img { width:48px; height:48px; border-radius:50%; object-fit:cover; }
.byline b, .byline a { color:var(--ink); }
.byline .dot { color:var(--rule); }
figure { margin:0 0 32px; }
figure img { border-radius:10px; width:100%; }
figcaption { font-size:14px; color:var(--grey); margin-top:10px; }
.prose { font-size:18px; line-height:1.72; }
.prose h2 { font-size:32px; margin:48px 0 14px; scroll-margin-top:24px; }
.prose h3 { font-size:23px; margin:34px 0 10px; scroll-margin-top:24px; }
.prose h4 { font-size:19px; margin:26px 0 8px; }
.prose p { margin:0 0 1.15em; }
.prose ul, .prose ol { padding-left:1.3em; margin:0 0 1.3em; }
.prose li { margin:.35em 0; }
.prose li::marker { color:var(--orange); }
.prose a { color:var(--ink); text-decoration-color:var(--orange); text-decoration-thickness:2px; text-underline-offset:3px; }
.prose strong { font-weight:700; }
.prose table { width:100%; border-collapse:collapse; margin:0 0 1.5em; font-size:16px; }
.prose th, .prose td { text-align:left; padding:12px 10px 12px 0; border-bottom:1px solid var(--rule); vertical-align:top; }
.prose th { font-size:12px; text-transform:uppercase; letter-spacing:.08em; color:var(--grey); }
.prose blockquote { margin:1.5em 0; padding:4px 0 4px 22px; border-left:4px solid var(--yellow); font-size:20px; }
.prose ul.kv { list-style:none; padding:0; border-top:1px solid var(--rule); }
.prose ul.kv li { margin:0; padding:12px 0; border-bottom:1px solid var(--rule); display:grid; grid-template-columns:minmax(140px,34%) 1fr; gap:16px; font-size:16px; }
.prose ul.kv li b { font-weight:600; }
@media (max-width:560px) { .prose ul.kv li { grid-template-columns:1fr; gap:2px; } }
.callout { background:var(--mist); border-radius:14px; padding:22px 24px; margin:28px 0; font-size:16px; line-height:1.6; }
.callout b:first-child { display:block; font-family:var(--display); font-size:18px; margin-bottom:4px; }
.callout.warn { background:#FFF7DD; }
.callout.navy { background:var(--ink); color:#fff; } .callout.navy b:first-child { color:var(--yellow); }
.toc { border:1.5px solid var(--line); border-radius:14px; padding:20px 22px; margin:0 0 32px; background:#fff; }
.toc .label { color:var(--ink); }
.toc ol { margin:12px 0 0; padding-left:1.2em; font-size:16px; }
.toc li { margin:6px 0; }
.toc a { text-decoration:none; } .toc a:hover { text-decoration:underline; }
.aside { display:grid; gap:24px; align-content:start; }
.aside .sticky { position:sticky; top:20px; display:grid; gap:24px; }
.card { background:#fff; border:1.5px solid var(--line); border-radius:16px; padding:24px; }
.card h2, .card h3 { font-size:20px; }
.card p { font-size:15px; color:var(--grey); margin:8px 0 0; line-height:1.55; }
.card .btn { margin-top:16px; width:100%; }
.author-card { display:grid; grid-template-columns:72px 1fr; gap:16px; align-items:start; }
.author-card img { width:72px; height:72px; border-radius:50%; object-fit:cover; }
.author-box { display:grid; grid-template-columns:96px 1fr; gap:22px; background:#fff; border:1.5px solid var(--line); border-radius:16px; padding:26px; margin-top:48px; }
.author-box img { width:96px; height:96px; border-radius:50%; object-fit:cover; }
.author-box h2 { font-size:22px; margin:2px 0 8px; }
.author-box p { font-size:16px; color:var(--grey); margin:0 0 10px; }
.disclaimer { font-size:14px; color:var(--grey); border-top:1px solid var(--rule); margin-top:40px; padding-top:20px; line-height:1.6; }

/* post grids */
.grid3 { display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
.grid2 { display:grid; grid-template-columns:repeat(2,1fr); gap:28px; }
.post { text-decoration:none; display:block; }
.post img { width:100%; aspect-ratio:16/10; object-fit:cover; border-radius:10px; }
.post .label { margin-top:16px; color:var(--orange); }
.post h3 { font-size:23px; margin-top:8px; line-height:1.2; }
.post:hover h3 { text-decoration:underline; text-decoration-thickness:2px; text-underline-offset:4px; }
.post p { color:var(--grey); font-size:15px; margin:8px 0 0; }

/* review pages */
.rv-head { display:grid; grid-template-columns:minmax(0,1fr) 360px; gap:48px; padding:30px 0 40px; align-items:start; }
.rv-head h1 { font-size:52px; line-height:1.05; margin-top:10px; }
.rv-head .standfirst { font-size:20px; color:var(--grey); margin:14px 0 0; line-height:1.5; }
.rv-card { background:#fff; border:1.5px solid var(--line); border-radius:18px; padding:26px; box-shadow:0 20px 50px rgba(20,33,61,.08); }
.rv-card .top { display:flex; align-items:center; gap:16px; }
.rv-card .top img { width:64px; height:64px; border-radius:14px; }
.rv-card .top h2 { font-size:22px; }
.rv-card .top small { color:var(--grey); font-size:14px; }
.ring { margin-left:auto; flex:0 0 auto; width:70px; height:70px; border-radius:50%; display:grid; place-items:center; font-family:var(--display); font-weight:700; font-size:20px; background:conic-gradient(var(--ink) 0 var(--p), var(--pale) var(--p) 100%); position:relative; }
.ring::before { content:""; position:absolute; inset:6px; border-radius:50%; background:#fff; }
.ring span { position:relative; }
.rv-card ul { list-style:none; padding:0; margin:20px 0 0; display:grid; gap:10px; font-size:15px; }
.rv-card li { padding-left:26px; position:relative; }
.rv-card li::before { content:""; position:absolute; left:0; top:5px; width:16px; height:16px; border-radius:50%; background:var(--yellow); box-shadow:inset 0 0 0 4px var(--yellow), inset 0 0 0 16px var(--ink); }
.rv-card .btn { display:block; margin-top:22px; }
.rv-card .note { font-size:12px; color:var(--grey); margin-top:10px; }
.keys { display:grid; grid-template-columns:repeat(3,1fr); gap:16px; margin:0 0 40px; }
.key { background:var(--mist); border-radius:14px; padding:20px 22px; }
.key b { display:block; font-family:var(--title); font-weight:600; font-size:18px; }
.key span { font-size:15px; color:var(--grey); display:block; margin-top:6px; line-height:1.5; }
.bars { display:grid; gap:12px; }
.bar { display:grid; grid-template-columns:160px 1fr 44px; align-items:center; gap:14px; font-size:15px; color:var(--grey); }
.bar i { height:7px; border-radius:7px; background:var(--mist); position:relative; overflow:hidden; }
.bar i::after { content:""; position:absolute; inset:0; width:var(--w); background:var(--ink); border-radius:7px; }
.bar b { text-align:right; color:var(--ink); }
.verdict { background:var(--ink); color:#fff; border-radius:16px; padding:30px; margin:40px 0; }
.verdict h2 { color:#fff; font-size:28px; margin:0 0 10px; } .verdict h2 span { color:var(--yellow); }
.verdict p { color:var(--soft); margin:0; }
.cta-strip { display:grid; grid-template-columns:1fr auto; gap:24px; align-items:center; background:var(--mist); border-radius:16px; padding:26px 30px; margin:40px 0; }
.cta-strip h2 { font-size:24px; margin:0 0 6px; }
.cta-strip p { margin:0; color:var(--grey); font-size:16px; }
.pick { background:#fff; border:1.5px solid var(--line); border-radius:18px; padding:26px; }
.pick .label { color:var(--orange); }
.pick h3 { font-size:24px; margin-top:8px; }
.pick p { color:var(--grey); font-size:15px; margin:10px 0 0; }
.choose { display:grid; grid-template-columns:repeat(2,1fr); gap:16px; }
.choose div { background:#fff; border:1.5px solid var(--line); border-radius:14px; padding:20px 22px; font-size:16px; }
.choose b { font-family:var(--title); font-weight:600; display:block; margin-bottom:6px; font-size:18px; }

/* calculators */
.calc-shell { display:grid; grid-template-columns:400px minmax(0,1fr); background:#fff; border:1.5px solid var(--line); border-radius:22px; overflow:hidden; box-shadow:0 30px 70px rgba(20,33,61,.08); margin:8px 0 48px; }
.calc-in { padding:30px; border-right:1.5px solid var(--line); }
.calc-out { padding:30px 36px; background:linear-gradient(180deg,#fff, var(--mist)); min-height:320px; }
.field { margin-top:18px; } .field:first-child { margin-top:0; }
.field label, .field legend { display:block; font-size:14px; font-weight:600; margin-bottom:8px; }
.field .hint { font-size:13px; color:var(--grey); margin-top:6px; }
.field input, .field select { width:100%; border:1.5px solid var(--line); border-radius:12px; padding:13px 14px; font:17px var(--body); color:var(--ink); background:#fff; }
.field input:focus, .field select:focus { border-color:var(--ink); outline:none; }
.dob3 { display:grid; grid-template-columns:1fr 1fr 1.4fr; gap:10px; }
.money { position:relative; } .money span { position:absolute; left:14px; top:50%; transform:translateY(-50%); color:var(--grey); }
.money input { padding-left:30px; }
.calc-in .btn { width:100%; margin-top:22px; padding:16px; font-size:16px; }
.calc-err { color:#B4371A; font-size:14px; margin-top:10px; min-height:1em; }
.out-label { font-size:14px; color:var(--grey); font-weight:600; }
.big { display:flex; align-items:baseline; gap:18px; margin-top:8px; flex-wrap:wrap; }
.big b { font-family:var(--display); font-size:84px; line-height:1; letter-spacing:-.04em; }
.big span { font-size:19px; line-height:1.35; }
.big span strong { display:block; font-family:var(--display); font-size:28px; }
.out-grid { display:grid; grid-template-columns:repeat(2,1fr); gap:12px; margin-top:24px; }
.out-grid div { background:#fff; border:1px solid var(--line); border-radius:12px; padding:14px 16px; }
.out-grid small { display:block; color:var(--grey); font-size:13px; }
.out-grid b { font-family:var(--display); font-size:22px; }
.timeline { margin-top:30px; }
.timeline .track { position:relative; height:10px; background:#fff; border-radius:10px; border:1px solid var(--line); }
.timeline .fill { position:absolute; left:0; top:0; bottom:0; background:var(--ink); border-radius:10px; }
.timeline .labels { display:flex; justify-content:space-between; margin-top:12px; font-size:14px; color:var(--grey); }
.timeline .labels b { display:block; color:var(--ink); }
.out-empty { color:var(--grey); font-size:16px; display:flex; align-items:center; min-height:260px; }
.out-empty > div { display:grid; grid-template-columns:200px 1fr; gap:24px; align-items:center; }
.out-empty p { margin:0; font-size:17px; }
.out-empty img { width:200px; border-radius:14px; }
.chart { margin-top:24px; }
.chart svg { width:100%; height:auto; display:block; }
.out-note { margin-top:20px; font-size:14px; color:var(--grey); line-height:1.55; }

/* about, contact, values */
.values { display:grid; grid-template-columns:repeat(4,1fr); gap:18px; }
.value { background:#fff; border:1.5px solid var(--line); border-radius:16px; padding:24px; }
.value b { font-family:var(--title); font-weight:600; font-size:19px; display:block; }
.value span { color:var(--grey); font-size:15px; display:block; margin-top:8px; line-height:1.5; }
.contacts { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; }
.contact { background:#fff; border:1.5px solid var(--line); border-radius:16px; padding:26px; display:flex; flex-direction:column; }
.contact h2 { font-size:21px; }
.contact p { color:var(--grey); font-size:15px; margin:10px 0 18px; flex:1; line-height:1.55; }
.contact a.big-link { font-weight:700; color:var(--ink); text-decoration:none; border-bottom:2px solid var(--yellow); align-self:flex-start; word-break:break-all; }
.faq details { border-bottom:1px solid var(--rule); padding:18px 0; }
.faq summary { font-family:var(--display); font-weight:700; font-size:19px; cursor:pointer; list-style:none; display:block; position:relative; padding-right:44px; text-align:left; }
.faq summary::-webkit-details-marker { display:none; }
.faq summary::after { content:"+"; position:absolute; right:0; top:50%; transform:translateY(-50%); width:30px; height:30px; border-radius:50%; background:var(--mist); color:var(--orange); font-size:20px; line-height:30px; text-align:center; transition:transform .3s ease, background .3s; }
.faq details[open] summary::after { content:"\2212"; background:var(--orange); color:#fff; }
.faq details[open] > *:not(summary) { animation:faqIn .45s ease both; }
@keyframes faqIn { from { opacity:0; transform:translateY(-6px); } to { opacity:1; transform:none; } }
.faq details p { color:var(--grey); margin:12px 0 0; }

/* search */
.search-box { display:flex; gap:8px; max-width:640px; }
.search-box input { flex:1; border:1.5px solid var(--line); border-radius:12px; padding:14px 16px; font:17px var(--body); }
.results { margin-top:28px; display:grid; gap:0; }
.results a { display:block; padding:18px 0; border-bottom:1px solid var(--rule); text-decoration:none; }
.results a b { font-family:var(--display); font-size:20px; display:block; }
.results a span { color:var(--grey); font-size:15px; }

/* ---------- responsive ---------- */
@media (max-width:1100px) {
  :root { --gutter:40px; }
  .front, .article, .rv-head { grid-template-columns:1fr; gap:36px; }
  .aside .sticky { position:static; }
  .reviews { grid-template-columns:1fr; gap:24px; }
  .values { grid-template-columns:repeat(2,1fr); }
  .foot-grid { grid-template-columns:1fr 1fr; }
  .calc-shell { grid-template-columns:1fr; }
  .calc-in { border-right:0; border-bottom:1.5px solid var(--line); }
  .page-head.split { grid-template-columns:1fr; }
}
@media (max-width:820px) {
  :root { --gutter:20px; }
  body { font-size:16px; }
  .util .wrap span:last-child { display:none; }
  .util .wrap { justify-content:flex-start; }
  .head-row { padding-top:12px; padding-bottom:12px; }
  .logo img { height:48px; }
  .menu { position:static; }
  .menu .menu-toggle { display:flex; align-items:center; gap:8px; padding:10px 14px; border:1.5px solid var(--line); border-radius:10px; font:600 15px var(--body); color:var(--ink); background:#fff; }
  .menu ul { display:none; position:absolute; left:0; right:0; top:100%; flex-direction:column; align-items:stretch; gap:0; padding:4px 20px 16px; background:var(--paper); border-bottom:3px solid var(--ink); box-shadow:0 16px 30px rgba(20,33,61,.10); z-index:30; }
  .menu.open ul { display:flex; }
  .menu a, .menu button { padding:14px 4px; text-align:left; width:100%; border-top:1px solid var(--rule); }
  .menu .last a { margin-top:10px; text-align:center; border-top:0; }
  .menu .drop { position:static; display:block; box-shadow:none; border:0; padding:0 0 0 14px; min-width:0; background:none; }
  .menu .drop a { border-top:0; padding:10px 4px; }
  .lead h1, .lead h2 { font-size:34px; }
  .lead p { font-size:17px; }
  .item { grid-template-columns:36px 1fr 80px; } .item img { width:80px; height:60px; }
  .facts { grid-template-columns:1fr; }
  .facts div + div { border-left:0; border-top:1px solid rgba(255,255,255,.14); }
  .facts div { padding:22px 24px; } .facts b { font-size:40px; }
  .tools, .grid3, .grid2, .contacts, .keys, .choose { grid-template-columns:1fr; }
  .news .wrap { grid-template-columns:1fr; gap:22px; padding-top:40px; padding-bottom:40px; }
  .news h2 { font-size:28px; }
  .signup input + input { border-left:0; border-top:1px solid var(--line); }
  .signup .btn { width:100%; }
  .page-head h1, .article-head h1, .rv-head h1 { font-size:36px; }
  .page-head .standfirst, .article-head .standfirst { font-size:18px; }
  .prose { font-size:17px; } .prose h2 { font-size:26px; } .prose h3 { font-size:21px; }
  .section-head h2, .reviews h2 { font-size:28px; }
  .values { grid-template-columns:1fr; }
  .foot-grid { grid-template-columns:1fr; gap:28px; }
  .bar { grid-template-columns:120px 1fr 40px; font-size:14px; }
  .cta-strip { grid-template-columns:1fr; }
  .author-box { grid-template-columns:1fr; }
  .calc-in, .calc-out { padding:22px; }
  .big b { font-size:64px; }
  .tbl { font-size:15px; }
  .tbl.stack thead { display:none; }
  .tbl.stack tr { display:block; border-bottom:1px solid var(--rule); padding:12px 0; }
  .tbl.stack td { display:flex; justify-content:space-between; gap:12px; border:0; padding:5px 0; }
  .tbl.stack td::before { content:attr(data-th); color:var(--grey); font-weight:500; font-size:13px; text-transform:uppercase; letter-spacing:.06em; }
  .tbl.stack td:first-child { font-size:18px; display:block; } .tbl.stack td:first-child::before { display:none; }
  .tbl.stack .r { text-align:left; }
}
@media (prefers-reduced-motion:reduce) { html { scroll-behavior:auto; } .tool, .tool:hover { transition:none; transform:none; } }

/* ================= editorial article v2 ================= */
.read-progress { position:fixed; top:0; left:0; right:0; height:4px; z-index:60; background:transparent; }
.read-progress i { display:block; height:100%; width:0; background:var(--orange); transition:width .1s linear; }
.article-hero { padding:26px 0 0; }
.article-hero h1 { font-size:58px; line-height:1.04; margin-top:12px; }
.article-hero .standfirst { font-size:21px; line-height:1.5; color:var(--grey); margin:18px 0 0; }
.article-hero .byline { flex-wrap:wrap; margin:26px 0 0; }
.hero-fig { margin:28px 0 0; }
.hero-fig img { width:100%; aspect-ratio:21/9; object-fit:cover; border-radius:14px; }
.share { margin-left:auto; display:flex; flex-wrap:wrap; align-items:center; gap:8px; font-size:14px; }
.share > span { color:var(--grey); margin-right:2px; }
.share a, .share button { border:1.5px solid var(--line); background:#fff; border-radius:999px; padding:7px 13px; font:600 13px var(--body); color:var(--ink); text-decoration:none; cursor:pointer; }
.share a:hover, .share button:hover { border-color:var(--ink); }
@media (min-width:1101px) { .article { grid-template-columns:minmax(0,1fr) 300px; gap:72px; } }
.article { padding:44px 0 72px; }

.in-short { background:var(--ink); color:#fff; border-radius:16px; padding:26px 30px; margin:0 0 40px; }
.in-short .label { color:var(--yellow); }
.in-short ul { margin:14px 0 0; padding:0; list-style:none; display:grid; gap:12px; }
.in-short li { padding-left:30px; position:relative; color:#E7EBF3; font-size:17px; line-height:1.55; }
.in-short li::before { content:""; position:absolute; left:0; top:7px; width:14px; height:14px; border-radius:50%; background:var(--yellow); }
.prose p.lede { font-size:21px; line-height:1.6; color:var(--ink); }
.prose h2 { margin:56px 0 16px; }
.prose h2 .sec-no { display:block; font-family:var(--body); font-size:13px; font-weight:700; letter-spacing:.1em; color:var(--orange); margin-bottom:8px; }
.prose h3 { margin:32px 0 10px; }
.prose p + p { margin-top:0; }
.try-this { background:#FFF7DD; border-left:5px solid var(--yellow); border-radius:0 14px 14px 0; padding:20px 24px; margin:28px 0; }
.try-this .label { color:var(--ink); margin-bottom:6px; }
.try-this p { margin:0; }
.tip { display:grid; grid-template-columns:64px minmax(0,1fr); gap:20px; background:#fff; border:1.5px solid var(--line); border-radius:18px; padding:26px 28px 14px; margin:20px 0; }
.tip-no { width:56px; height:56px; border-radius:50%; background:var(--ink); color:var(--yellow); font-family:var(--display); font-weight:700; font-size:26px; display:grid; place-items:center; }
.tip h3 { margin:12px 0 10px; font-size:22px; }
blockquote.pull { margin:48px 0; padding:0; border:0; }
blockquote.pull p { font-family:var(--display); font-weight:700; font-size:30px; line-height:1.25; letter-spacing:-.015em; color:var(--ink); margin:0; padding:26px 0 0; border-top:3px solid var(--ink); position:relative; }
blockquote.pull p::before { content:"\201C"; position:absolute; top:-6px; left:0; transform:translateY(-55%); background:var(--paper); padding-right:12px; color:var(--orange); font-size:64px; line-height:1; }
.mid-cta { display:grid; grid-template-columns:150px minmax(0,1fr); gap:24px; align-items:center; background:var(--mist); border-radius:18px; padding:22px; margin:44px 0; }
.mid-cta img { width:150px; height:150px; object-fit:cover; border-radius:12px; }
.mid-cta h3 { font-size:22px; margin:6px 0 6px; }
.mid-cta p { margin:0; font-size:16px; color:var(--grey); }
.mid-cta .label { color:var(--orange); }
.mid-cta .mid-links { display:flex; flex-wrap:wrap; gap:10px; margin-top:14px; }
.mid-cta .mid-links a { text-decoration:none; color:#fff; } .mid-cta .mid-links a.ghost { color:var(--ink); }
.prose p.endnote { font-size:15px; color:var(--grey); font-style:italic; border-top:1px solid var(--rule); padding-top:18px; margin-top:32px; }
figure.inline { margin:36px 0; }
figure.inline img { border-radius:14px; }
.cta-pair { display:grid; grid-template-columns:1fr 1fr; gap:18px; margin:48px 0 0; }
.cta-card { display:block; text-decoration:none; background:#fff; border:1.5px solid var(--line); border-radius:18px; padding:24px; transition:transform .2s, box-shadow .2s; }
.cta-card:hover { transform:translateY(-2px); box-shadow:0 16px 36px rgba(20,33,61,.10); }
.cta-card .label { color:var(--orange); }
.cta-card h3 { font-size:21px; margin:8px 0 8px; }
.cta-card p { color:var(--grey); font-size:15px; margin:0; line-height:1.55; }
.cta-card span { display:inline-block; margin-top:14px; font-weight:600; border-bottom:2px solid var(--yellow); }
.cta-card.navy { background:var(--ink); border-color:var(--ink); color:#fff; }
.cta-card.navy h3 { color:#fff; } .cta-card.navy p { color:var(--soft); } .cta-card.navy .label { color:var(--yellow); }
.author-box p a { color:var(--ink); }
.side-toc { background:#fff; border:1.5px solid var(--line); border-radius:16px; padding:20px 18px 16px; }
.side-toc > .label { color:var(--ink); padding:0 6px 10px; }
.side-toc ol { list-style:none; margin:0; padding:0; display:grid; gap:2px; max-height:calc(100vh - 330px); overflow:auto; }
.side-toc a { display:grid; grid-template-columns:28px 1fr; gap:6px; padding:9px 8px; border-radius:10px; text-decoration:none; font-size:15px; line-height:1.35; color:var(--grey); border-left:3px solid transparent; }
.side-toc a span { font-size:12px; font-weight:700; color:var(--soft); padding-top:2px; }
.side-toc a:hover { background:var(--mist); color:var(--ink); }
.side-toc a.active { background:var(--mist); color:var(--ink); font-weight:600; border-left-color:var(--orange); border-radius:0 10px 10px 0; }
.side-toc a.active span { color:var(--orange); }
.toc-progress { height:4px; background:var(--mist); border-radius:4px; margin:12px 6px 0; overflow:hidden; }
.toc-progress i { display:block; height:100%; width:0; background:var(--ink); }
.aside .sticky { top:24px; gap:18px; }
.aside .q { margin-top:0; }
/* CTA strips inside long-form copy */
.prose .cta-strip h2 { margin:0 0 6px; font-size:24px; }
.prose .cta-strip p { margin:0; }
.prose .cta-strip a.btn { color:#fff; text-decoration:none; }
/* GOV.UK strip */
.gov-strip { display:grid; grid-template-columns:auto minmax(0,1fr) auto; gap:24px; align-items:center; background:var(--ink); color:#fff; border-radius:18px; padding:24px 28px; margin:0 0 40px; }
.gov-strip .gov-logo { background:#0B0C0C; border-radius:10px; padding:12px 16px; }
.gov-strip .gov-logo img { height:30px; width:auto; }
.gov-strip h2 { color:#fff; font-size:22px; margin:0 0 4px; }
.gov-strip p { margin:0; color:var(--soft); font-size:15px; }
.gov-strip .btn { white-space:nowrap; }
/* review scoring + pros/cons */
.scores { display:grid; gap:0; margin:8px 0 28px; border-top:1px solid var(--rule); }
.score-row { display:grid; grid-template-columns:170px 1fr 48px; gap:16px; align-items:center; padding:14px 0 4px; }
.score-row b { font-family:var(--display); font-size:17px; }
.score-row i { height:8px; border-radius:8px; background:var(--mist); position:relative; overflow:hidden; }
.score-row i::after { content:""; position:absolute; inset:0; width:var(--w); background:var(--ink); border-radius:8px; }
.score-row em { font-style:normal; font-family:var(--display); font-weight:700; text-align:right; }
.score-why { grid-column:1 / -1; color:var(--grey); font-size:15px; padding:0 0 14px; border-bottom:1px solid var(--rule); margin:0; }
.proscons { display:grid; grid-template-columns:1fr 1fr; gap:18px; margin:8px 0 28px; }
.proscons div { border-radius:16px; padding:22px 24px; }
.proscons .pros { background:#EEF7F0; } .proscons .cons { background:#FDF0EA; }
.proscons h3 { margin:0 0 10px !important; font-size:19px; }
.proscons ul { list-style:none; padding:0 !important; margin:0 !important; display:grid; gap:10px; font-size:16px; }
.proscons li { padding-left:28px; position:relative; margin:0 !important; }
.proscons .pros li::before { content:"\2713"; position:absolute; left:0; color:#2E7D4F; font-weight:700; }
.proscons .cons li::before { content:"\2715"; position:absolute; left:0; color:#C2502A; font-weight:700; }
.mini-verdict { display:grid; grid-template-columns:48px 1fr auto; gap:12px; align-items:center; background:#fff; border:1.5px solid var(--line); border-radius:16px; padding:14px 16px; }
.mini-verdict img { width:48px; height:48px; border-radius:10px; }
.mini-verdict b { display:block; font-family:var(--display); font-size:16px; }
.mini-verdict small { color:var(--grey); font-size:13px; }
.mini-verdict .ring { width:52px; height:52px; font-size:16px; margin:0; }
.mini-verdict .ring::before { inset:5px; }
.mini-verdict .btn { grid-column:1 / -1; padding:11px; }
@media (max-width:1100px) {
  .article > article { max-width:none; }
  .aside .side-toc { display:none; }
  .hero-fig img { aspect-ratio:16/9; }
}
@media (max-width:820px) {
  .article-hero h1 { font-size:36px; }
  .article-hero .standfirst { font-size:18px; }
  .share { margin-left:0; width:100%; }
  .prose p.lede { font-size:19px; }
  .tip { grid-template-columns:1fr; gap:10px; padding:22px 20px 8px; }
  .tip-no { width:46px; height:46px; font-size:21px; }
  blockquote.pull p { font-size:23px; }
  .mid-cta, .cta-pair, .proscons { grid-template-columns:1fr; }
  .mid-cta img { width:100%; height:160px; }
  .gov-strip { grid-template-columns:1fr; }
  .score-row { grid-template-columns:120px 1fr 40px; }
}

/* blog listing */
.feature { display:grid; grid-template-columns:1.35fr 1fr; gap:44px; align-items:center; text-decoration:none; padding:36px 0 8px; }
.feature > img { width:100%; aspect-ratio:16/10; object-fit:cover; border-radius:16px; }
.feature h2 { font-size:40px; line-height:1.08; margin:12px 0 0; }
.feature:hover h2 { text-decoration:underline; text-decoration-thickness:3px; text-underline-offset:6px; }
.feature p { color:var(--grey); font-size:18px; line-height:1.55; margin:14px 0 0; }
.feature .by { margin:20px 0 24px; }
.chips { display:flex; flex-wrap:wrap; align-items:center; gap:10px; padding:28px 0 0; margin-top:28px; border-top:1px solid var(--rule); }
.chips span { color:var(--grey); font-size:14px; margin-right:4px; }
.chips a { border:1.5px solid var(--line); background:#fff; border-radius:999px; padding:8px 16px; font-weight:600; font-size:14px; text-decoration:none; }
.chips a:hover { border-color:var(--ink); }
@media (max-width:820px) { .feature { grid-template-columns:1fr; gap:20px; } .feature h2 { font-size:30px; } }

figure.inline.small img { max-width:440px; margin:0 auto; }
figure.inline img[src*="blocks"] { max-width:560px; margin:0 auto; }
.score-badge { display:inline-block; background:var(--ink); color:#fff; font-family:var(--display); font-weight:700; font-size:18px; border-radius:12px; padding:12px 18px; margin:6px 0 18px; }
.toc-mobile { display:none; background:#fff; border:1.5px solid var(--line); border-radius:14px; padding:14px 18px; margin:0 0 28px; }
.toc-mobile summary { font-weight:700; font-size:13px; letter-spacing:.1em; text-transform:uppercase; cursor:pointer; }
.toc-mobile ol { list-style:none; margin:10px 0 0; padding:0; display:grid; gap:2px; }
.toc-mobile a { display:grid; grid-template-columns:28px 1fr; padding:8px 0; text-decoration:none; font-size:15px; border-top:1px solid var(--rule); }
.toc-mobile a span { color:var(--orange); font-weight:700; font-size:12px; padding-top:2px; }
@media (max-width:1100px) { .toc-mobile { display:block; } }

/* grid children may shrink below their content (stops date inputs etc. pushing the page wider than a phone) */
.article > *, .front > *, .rv-head > *, .reviews > *, .page-head.split > *, .calc-shell > *, .feature > * { min-width:0; }
.q input { width:100%; }
@media (max-width:820px) {
  .byline { flex-wrap:wrap; }
  .byline > span:not(.share) { flex:1 1 220px; min-width:0; }
  .byline .share { flex:1 1 100%; }
}

/* ================= motion & life ================= */
.home-faq { display:grid; grid-template-columns:340px minmax(0,1fr); gap:56px; border-top:3px solid var(--ink); padding:22px 0 72px; }
.home-faq h2 { font-size:36px; margin:12px 0 0; }
.home-faq .aside-copy p { color:var(--grey); font-size:16px; margin:14px 0 0; }
.home-faq .faq details:first-child { border-top:1px solid var(--rule); }
/* sticky header that slims down */
.site-head { position:sticky; top:0; z-index:50; transition:box-shadow .3s ease, background .3s ease; }
.site-head .head-row { transition:padding .3s ease; }
.site-head .logo img { transition:height .3s ease; }
.site-head.slim { box-shadow:0 10px 30px rgba(20,33,61,.10); background:rgba(252,251,248,.94); backdrop-filter:saturate(1.2) blur(10px); -webkit-backdrop-filter:saturate(1.2) blur(10px); }
.site-head.slim .head-row { padding-top:10px; padding-bottom:10px; }
.site-head.slim .logo img { height:46px; }
.aside .sticky { top:96px; }
/* reveal once on scroll */
/* navy section rules draw across */
.js [data-rule] { border-top-color:transparent !important; position:relative; }
.js [data-rule]::before { content:""; position:absolute; left:0; right:0; top:-3px; height:3px; background:var(--ink); transform:scaleX(0); transform-origin:left; transition:transform 1.1s cubic-bezier(.6,0,.2,1); }
.js [data-rule].in::before { transform:scaleX(1); }
/* bars and rings fill when seen */
.js .score-row i::after, .js .bar i::after { width:0; transition:width 1.3s cubic-bezier(.2,.7,.2,1); transition-delay:var(--d,0s); }
.js .score-row.in i::after, .js .bars.in .bar i::after { width:var(--w); }
.timeline .fill { transition:width 1.4s cubic-bezier(.2,.7,.2,1); }
/* images ease in on hover */
.ph { display:block; overflow:hidden; border-radius:10px; }
.ph img { transition:transform 1.1s cubic-bezier(.2,.7,.2,1); }
a:hover .ph img, .tool:hover > img { transform:scale(1.045); }
.tool > img { transition:transform 1.1s cubic-bezier(.2,.7,.2,1); }
.lead .ph { border-radius:6px; } .feature .ph { border-radius:16px; } .feature .ph img { border-radius:0; }
.post .ph img, .lead .ph img { border-radius:0; }
/* arrows nudge, buttons lift */
.go, .cta-card span, .ul { transition:transform .3s ease, border-color .2s; display:inline-block; }
.tool:hover .go, .cta-card:hover span { transform:translateX(5px); }
.btn { transition:background .2s, transform .2s, box-shadow .2s; }
.btn:hover { transform:translateY(-1px); box-shadow:0 8px 18px rgba(234,108,52,.25); }
.btn.ghost:hover, .btn.navy:hover { box-shadow:0 8px 18px rgba(20,33,61,.12); }
.item .n { transition:color .25s; } .item:hover .n { color:var(--orange); }
/* homepage instant answer */
.q-result { margin-top:16px; padding-top:16px; border-top:1px solid rgba(255,255,255,.16); }
.q-result .age { display:flex; align-items:baseline; gap:12px; }
.q-result .age b { font-family:var(--display); font-size:56px; line-height:1; color:var(--yellow); letter-spacing:-.03em; }
.q-result .age span { color:var(--soft); font-size:15px; line-height:1.35; }
.q-result .age strong { display:block; color:#fff; font-family:var(--display); font-size:22px; }
.q-result .togo { margin:14px 0 0; color:#fff; font-size:15px; }
.q-result .togo b { color:var(--yellow); }
.q-result .bar2 { height:6px; border-radius:6px; background:rgba(255,255,255,.12); margin-top:10px; overflow:hidden; }
.q-result .bar2 i { display:block; height:100%; width:0; background:var(--yellow); border-radius:6px; transition:width 1.4s cubic-bezier(.2,.7,.2,1); }
.q-result a { display:inline-block; margin-top:14px; color:#fff; font-weight:600; text-decoration:none; border-bottom:2px solid var(--yellow); }
.q-result .note { color:var(--soft); font-size:13px; margin-top:10px; }
.q-pop { animation:qPop .6s cubic-bezier(.2,.7,.2,1) both; }
@keyframes qPop { from { opacity:0; transform:translateY(10px); } to { opacity:1; transform:none; } }
/* chart lines draw in */
.chart path.draw { stroke-dasharray:1; stroke-dashoffset:1; animation:drawLine 1.6s cubic-bezier(.4,0,.2,1) forwards; }
@keyframes drawLine { to { stroke-dashoffset:0; } }
@media (max-width:1100px) { .home-faq { grid-template-columns:1fr; gap:20px; } .aside .sticky { top:20px; } }
@media (max-width:820px) { .site-head.slim .logo img { height:40px; } .out-empty > div { grid-template-columns:1fr; } }
@media (prefers-reduced-motion:reduce) {
  .js [data-reveal] { opacity:1; transform:none; transition:none; }
  .js [data-rule]::before { transform:none; transition:none; }
  .js .score-row i::after, .js .bar i::after { width:var(--w); transition:none; }
  .ph img, .tool > img, .btn, .go { transition:none; }
  .chart path.draw { animation:none; stroke-dasharray:none; }
}
.facts b span { display:inline; margin:0; color:inherit; font-size:inherit; line-height:inherit; }

/* "Most read" / "Most popular" rows: even rows, two-line titles, everything centred on one line */
.side .item { grid-template-columns:34px minmax(0,1fr) 88px; gap:16px; align-items:center; padding:16px 0; min-height:102px; }
.side .item .n { font-size:28px; align-self:center; }
.side .item h3 { font-size:17px; line-height:1.3; display:-webkit-box; -webkit-line-clamp:2; -webkit-box-orient:vertical; overflow:hidden; }
.side .item small { margin-top:4px; }
.side .item img { width:88px; height:66px; border-radius:6px; }
.side .item:hover h3 { text-decoration:none; color:var(--orange); }

/* blog: most recent + most popular */
.rp { display:grid; grid-template-columns:minmax(0,1.55fr) minmax(0,1fr); gap:48px; padding:36px 0 8px; align-items:start; }
.rp-l { padding-bottom:12px; border-bottom:3px solid var(--ink); margin-bottom:20px; }
.rp .feature { grid-template-columns:1fr; gap:18px; padding:0; }
.rp .feature h2 { font-size:34px; }
.rp .feature .btn { margin-top:16px; }

/* library controls */
.library { padding:56px 0 24px; }
.library .section-head { align-items:baseline; }
.lib-count { margin:0; color:var(--grey); font-size:15px; }
.lib-controls { display:grid; grid-template-columns:minmax(220px,1fr) auto auto; gap:14px 18px; align-items:center; margin:0 0 30px; }
.lib-search input { width:100%; border:1.5px solid var(--line); border-radius:12px; padding:13px 16px 13px 42px; font:16px var(--body); color:var(--ink);
  background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='18' height='18' fill='none' stroke='%235A6478' stroke-width='2'%3E%3Ccircle cx='8' cy='8' r='6'/%3E%3Cpath d='m13 13 4 4'/%3E%3C/svg%3E") 14px 50% no-repeat; }
.lib-search input:focus { border-color:var(--ink); outline:none; }
.lib-chips { display:flex; flex-wrap:wrap; gap:8px; }
.chip { border:1.5px solid var(--line); background:#fff; color:var(--ink); border-radius:999px; padding:9px 16px; font:600 14px var(--body); cursor:pointer; transition:background .25s, color .25s, border-color .25s; }
.chip:hover { border-color:var(--ink); }
.chip[aria-pressed="true"] { background:var(--ink); border-color:var(--ink); color:#fff; }
.chip[data-topic][aria-pressed="true"]::after, .rk-chips .chip[aria-pressed="true"]::after { content:" \2715"; font-size:11px; color:var(--yellow); margin-left:4px; }
.lib-sort { display:flex; align-items:center; gap:10px; font-size:14px; color:var(--grey); white-space:nowrap; }
.lib-sort select { border:1.5px solid var(--line); border-radius:12px; padding:11px 14px; font:600 15px var(--body); color:var(--ink); background:#fff; }
.lib-grid .lib-item[hidden] { display:none; }
.lib-empty { color:var(--grey); padding:20px 0; }

/* Best SIPPs ranker */
.rk-intro { color:var(--grey); margin:0 0 16px; }
.rk-chips { margin-bottom:22px; }
.rk-list { list-style:none; margin:0; padding:0; border-top:1px solid var(--rule); }
.rk { display:grid; grid-template-columns:40px minmax(0,1.3fr) minmax(120px,1fr) 104px 100px; gap:18px; align-items:center; padding:16px 0; border-bottom:1px solid var(--rule); background:var(--paper); }
.rk-n { font-family:var(--display); font-weight:700; font-size:24px; }
.rk-name b { font-family:var(--display); font-size:18px; display:block; }
.rk-name small { color:var(--grey); font-size:13px; }
.rk-bar { height:10px; border-radius:10px; background:var(--mist); overflow:hidden; }
.rk-bar i { display:block; height:100%; width:0; background:var(--ink); border-radius:10px; transition:width .7s cubic-bezier(.2,.7,.2,1); }
.rk.top .rk-bar i { background:var(--orange); }
.rk.top .rk-n { color:var(--orange); }
.rk-pc { font-weight:700; font-size:15px; text-align:right; }
.rk .ul { font-size:14px; justify-self:end; }
.rk-note { color:var(--grey); font-size:14px; margin:14px 0 0; }

/* AJ Bell fee calculator */
.feecalc { background:#fff; border:1.5px solid var(--line); border-radius:18px; padding:26px 28px; margin:36px 0; box-shadow:0 20px 50px rgba(20,33,61,.06); }
.feecalc h3 { margin:6px 0 6px !important; font-size:24px; }
.feecalc .fc-head p { color:var(--grey); font-size:16px; margin:0 0 18px; }
.fc-in { display:grid; grid-template-columns:1fr 1fr; gap:24px; margin-bottom:22px; }
.fc-in label { font-size:14px; font-weight:600; display:block; }
.fc-in output { float:right; font-family:var(--display); font-size:17px; }
.fc-in input { width:100%; margin-top:10px; accent-color:var(--ink); }
.fc-out { list-style:none; padding:0 !important; margin:0 0 14px !important; display:grid; gap:12px; }
.fc-out li { display:grid; grid-template-columns:170px 1fr 130px; gap:14px; align-items:center; margin:0 !important; font-size:15px; }
.fc-out li::marker { content:""; }
.fc-out i { height:14px; border-radius:14px; background:var(--mist); overflow:hidden; }
.fc-out b { display:block; height:100%; width:0; background:#9AA5BC; border-radius:14px; transition:width .5s cubic-bezier(.2,.7,.2,1); }
.fc-out li.me b { background:var(--orange); }
.fc-out li.me span, .fc-out li.me em { font-weight:700; }
.fc-out em { font-style:normal; text-align:right; font-family:var(--display); font-weight:700; }
.fc-note { color:var(--grey); font-size:13px; margin:0 !important; }

input[type=range] { accent-color:var(--ink); }
@media (max-width:1100px) { .rp { grid-template-columns:1fr; } .lib-controls { grid-template-columns:1fr; } }
@media (max-width:820px) {
  .rk { grid-template-columns:30px minmax(0,1fr) 84px; row-gap:8px; }
  .rk-bar { grid-column:2 / 4; grid-row:2; } .rk .ul { display:none; }
  .fc-in { grid-template-columns:1fr; } .fc-out li { grid-template-columns:110px 1fr 104px; font-size:14px; }
}
.ranker.neutral .rk-bar { visibility:hidden; }
.ranker.neutral .rk-intro::after { content:" Showing our overall order."; color:var(--ink); font-weight:600; }
@media (max-width:820px) {
  .library .section-head { flex-direction:column; align-items:flex-start; gap:6px; }
  .side .item h3 { -webkit-line-clamp:3; font-size:16px; }
  .side .item { grid-template-columns:30px minmax(0,1fr) 76px; gap:12px; }
  .side .item img { width:76px; height:58px; }
}

/* ================= calculators: inputs and waiting panel ================= */
.calc-in fieldset.field { border:0; padding:0; margin:0 0 22px; min-width:0; }
.calc-in legend { font-size:14px; font-weight:600; margin-bottom:10px; padding:0; }
.dob3 { display:grid; grid-template-columns:1fr 1.7fr 1.25fr; gap:10px; align-items:end; }
.dob-f { display:block; font-size:12px; font-weight:600; color:var(--grey); }
.dob-f span { display:block; margin-bottom:6px; letter-spacing:.04em; text-transform:uppercase; }
.dob-f input, .dob-f select, .calc-in .field input[type=number] { width:100%; height:54px; box-sizing:border-box; border:1.5px solid var(--line); border-radius:12px; padding:0 14px; font:500 17px var(--body); color:var(--ink); background:#fff; -webkit-appearance:none; appearance:none; margin:0; }
.dob-f select { background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none' stroke='%2314213D' stroke-width='2'%3E%3Cpath d='m1 1 5 5 5-5'/%3E%3C/svg%3E") right 14px center no-repeat; padding-right:34px; }
.dob-f input:focus, .dob-f select:focus { border-color:var(--ink); outline:none; box-shadow:0 0 0 4px var(--mist); }
.seg { display:grid; grid-template-columns:1fr 1fr; gap:10px; }
.seg label { position:relative; cursor:pointer; }
.seg input { position:absolute; opacity:0; inset:0; margin:0; cursor:pointer; }
.seg span { display:flex; align-items:center; justify-content:center; height:54px; border:1.5px solid var(--line); border-radius:12px; font:600 16px var(--body); background:#fff; transition:background .2s, color .2s, border-color .2s; }
.seg input:checked + span { background:var(--ink); border-color:var(--ink); color:#fff; }
.seg input:focus-visible + span { box-shadow:0 0 0 3px var(--orange); }
.calc-in .btn { height:56px; }
.out-wait { display:grid; grid-template-rows:auto 1fr; gap:22px; height:100%; }
.wait-art img { width:100%; aspect-ratio:16/8; object-fit:cover; border-radius:16px; }
.wait-copy .label { color:var(--ink); }
.wait-copy p { color:var(--grey); margin:6px 0 14px; font-size:16px; }
.ghost { display:grid; gap:0; border-top:1px solid var(--line); }
.ghost-row { display:flex; justify-content:space-between; align-items:center; padding:13px 0; border-bottom:1px solid var(--line); font-size:15px; color:var(--grey); }
.ghost-row b { font-family:var(--display); color:#C5CDD9; }

/* ================= stars ================= */
.stars { --s:18px; position:relative; display:inline-block; vertical-align:middle; width:calc(var(--s) * 5 + 8px); height:var(--s); background:#DCE2EB;
  -webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M12 1.8l3.1 6.6 7.2.9-5.3 5 1.4 7.1L12 17.9l-6.4 3.5L7 14.3l-5.3-5 7.2-.9z'/%3E%3C/svg%3E") 0 0 / calc(var(--s) + 2px) var(--s) repeat-x;
          mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M12 1.8l3.1 6.6 7.2.9-5.3 5 1.4 7.1L12 17.9l-6.4 3.5L7 14.3l-5.3-5 7.2-.9z'/%3E%3C/svg%3E") 0 0 / calc(var(--s) + 2px) var(--s) repeat-x; }
.stars i { position:absolute; left:0; top:0; bottom:0; width:var(--r); background:#F2A93B; transition:width 1.2s cubic-bezier(.2,.7,.2,1); }
.js .stars:not(.in) i { width:0; }
.stars.lg { --s:26px; }
.stars.sm { --s:15px; }
.rating { display:inline-flex; align-items:center; gap:10px; }
.rating b { font-family:var(--display); font-size:18px; }
.rating small { color:var(--grey); font-size:13px; }
@media (prefers-reduced-motion:reduce) { .js .stars:not(.in) i { width:var(--r); } .stars i { transition:none; } }

/* ================= review: calmer, star-led ================= */
.rv-score { display:flex; flex-direction:column; gap:6px; margin-top:18px; padding:16px 0 4px; border-top:1px solid var(--line); }
.rv-score .rating b { font-size:26px; }
.rv-score small { color:var(--grey); font-size:13px; }
.star-scores { border-top:1px solid var(--rule); margin:10px 0 32px; }
.star-scores .score-row { grid-template-columns:minmax(0,1fr) auto; padding:16px 0 4px; }
.star-scores .score-row b { font-size:17px; }
.star-scores .score-why { grid-column:1 / -1; padding:4px 0 14px; }
.side-toc .toc-cta { display:block; width:100%; margin-top:14px; }
.rv-head + .keys { margin-bottom:56px; }
body .article .prose > h2 { margin-top:64px; }
.tbl .stars { vertical-align:-2px; }
.post p .stars { vertical-align:-2px; }

/* ================= Best SIPPs ================= */
.podium { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; align-items:end; }
.pick { position:relative; display:flex; flex-direction:column; gap:10px; background:#fff; border:1.5px solid var(--line); border-radius:20px; padding:26px; }
.pick.p1 { background:var(--ink); border-color:var(--ink); color:#fff; padding-top:40px; }
.pick.p1 h3, .pick.p1 .pick-fee b { color:#fff; } .pick.p1 p { color:var(--soft); } .pick.p1 .label { color:var(--yellow); } .pick.p1 .ul { color:#fff; }
.pick-top { display:flex; align-items:center; gap:12px; }
.pick-rank { width:40px; height:40px; border-radius:50%; display:grid; place-items:center; font-family:var(--display); font-weight:700; font-size:18px; background:var(--mist); color:var(--ink); flex:0 0 auto; }
.pick.p1 .pick-rank { background:var(--yellow); }
.pick h3 { font-size:26px; margin:0; }
.pick p { margin:0; color:var(--grey); font-size:15px; line-height:1.55; }
.pick .label { color:var(--orange); }
.pick-fee { display:flex; align-items:center; gap:10px; font-size:14px; }
.pick-fee span { color:var(--grey); } .pick.p1 .pick-fee span { color:var(--soft); }
.pick .ul { align-self:flex-start; margin-top:4px; }
.criteria-band { background:var(--ink); color:#fff; margin:24px 0 32px; }
.cb-wrap { padding-top:64px; padding-bottom:64px; display:grid; grid-template-columns:minmax(0,1fr) minmax(0,1.6fr); gap:56px; align-items:start; }
.cb-head .label { color:var(--yellow); }
.cb-head h2 { color:#fff; font-size:38px; margin:12px 0 14px; }
.cb-head p { color:var(--soft); margin:0; }
.cb-grid { list-style:none; margin:0; padding:0; display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.cb-grid li { background:rgba(255,255,255,.06); border:1px solid rgba(255,255,255,.1); border-radius:14px; padding:18px 20px; }
.cb-grid span { font-weight:700; font-size:13px; color:var(--yellow); letter-spacing:.08em; }
.cb-grid b { display:block; font-family:var(--display); font-size:18px; margin-top:6px; }
.cb-grid small { display:block; color:var(--soft); font-size:14px; margin-top:4px; line-height:1.45; }
.cb-grid li:last-child:nth-child(odd) { grid-column:1 / -1; }

/* ================= blog: recent | popular ================= */
.rp { display:grid; grid-template-columns:1fr 1fr; gap:48px; padding:40px 0 8px; align-items:start; }
.rp-col > .label { margin:0; padding-bottom:12px; border-bottom:3px solid var(--ink); font-family:var(--body); font-size:13px; letter-spacing:.1em; text-transform:uppercase; }
.rp-row { display:grid; grid-template-columns:140px minmax(0,1fr); gap:18px; align-items:center; height:124px; padding:16px 0; border-bottom:1px solid var(--rule); text-decoration:none; box-sizing:content-box; }
.rp-row .ph { border-radius:8px; }
.rp-row img { width:140px; height:92px; object-fit:cover; }
.rp-row h3 { font-size:19px; line-height:1.25; margin:4px 0 6px; display:-webkit-box; -webkit-line-clamp:2; -webkit-box-orient:vertical; overflow:hidden; }
.rp-row:hover h3 { color:var(--orange); }
.rp-row small { color:var(--grey); font-size:13px; }
.rp-n { display:inline-grid; place-items:center; width:26px; height:26px; border-radius:50%; background:var(--ink); color:var(--yellow); font:700 13px var(--display); }
.rp-tag { display:inline-block; background:var(--yellow); color:var(--ink); font-size:11px; font-weight:700; letter-spacing:.06em; text-transform:uppercase; padding:3px 8px; border-radius:4px; }

/* ================= about ================= */
.cred-chips { list-style:none; padding:0; margin:22px 0 0; display:flex; flex-wrap:wrap; gap:8px; }
.cred-chips li { background:#fff; border:1.5px solid var(--line); border-radius:999px; padding:7px 14px; font-size:14px; font-weight:600; }
.about-story { display:grid; grid-template-columns:minmax(0,1fr) 340px; gap:56px; align-items:start; }
.about-story .prose h2 { margin-top:0; font-size:30px; }
.profile { background:#fff; border:1.5px solid var(--line); border-radius:20px; overflow:hidden; position:sticky; top:96px; }
.profile > img { width:100%; aspect-ratio:1; object-fit:cover; }
.profile > div { padding:22px 24px 24px; }
.profile h3 { font-size:22px; margin:6px 0 8px; }
.profile p { color:var(--grey); font-size:15px; margin:0 0 12px; }
.profile ul { list-style:none; padding:0; margin:0; display:grid; gap:8px; }
.profile ul a { font-weight:600; text-decoration:none; border-bottom:2px solid var(--yellow); }
.mission { background:var(--ink); color:#fff; margin:16px 0 8px; }
.mission .wrap { padding-top:72px; padding-bottom:72px; }
.mission .label { color:var(--yellow); }
.mission-line { font-family:var(--display); font-weight:700; font-size:44px; line-height:1.15; letter-spacing:-.02em; margin:14px 0 18px; }
.mission-sub { color:var(--soft); margin:0; }
.mission-sub a { color:#fff; font-weight:600; text-decoration-color:var(--yellow); text-underline-offset:3px; }
.value { position:relative; transition:transform .25s, box-shadow .25s; }
.value:hover { transform:translateY(-3px); box-shadow:0 14px 30px rgba(20,33,61,.08); }
.v-n { display:block; font-family:var(--display); font-weight:700; font-size:28px; color:var(--orange); margin-bottom:10px; }

/* ================= contact ================= */
.reply-badge { display:inline-flex; align-items:center; gap:10px; margin:20px 0 0; background:#fff; border:1.5px solid var(--line); border-radius:999px; padding:8px 16px; font-weight:600; font-size:14px; }
.reply-badge span { width:9px; height:9px; border-radius:50%; background:#2E9E5B; box-shadow:0 0 0 4px rgba(46,158,91,.18); }
.contact { padding:0; overflow:hidden; }
.contact > img { width:100%; aspect-ratio:16/9; object-fit:cover; }
.contact .c-body { padding:22px 24px 24px; display:flex; flex-direction:column; flex:1; }
.contact .c-body p { flex:1; }
.c-act { display:flex; flex-wrap:wrap; gap:8px; }
.c-act .btn { padding:12px 16px; font-size:14px; }
.c-act .btn.done { background:var(--ink); color:#fff; border-color:var(--ink); }
.c-addr { margin:12px 0 0 !important; font-size:14px; color:var(--ink) !important; font-weight:600; flex:0 !important; word-break:break-all; }
.quick { display:grid; grid-template-columns:repeat(4,1fr); gap:14px; }
.quick a { display:flex; justify-content:space-between; align-items:center; gap:12px; background:#fff; border:1.5px solid var(--line); border-radius:14px; padding:18px 20px; text-decoration:none; font-weight:600; transition:border-color .2s; }
.quick a:hover { border-color:var(--ink); }
.quick i { font-style:normal; color:var(--orange); transition:transform .25s; }
.quick a:hover i { transform:translateX(4px); }

@media (max-width:1100px) {
  .cb-wrap, .about-story, .rp { grid-template-columns:1fr; }
  .profile { position:static; max-width:420px; }
  .quick { grid-template-columns:1fr 1fr; }
}
@media (max-width:820px) {
  .podium, .cb-grid, .quick { grid-template-columns:1fr; }
  .pick.p1 { padding-top:26px; }
  .mission-line { font-size:30px; }
  .rp-row { grid-template-columns:110px minmax(0,1fr); height:auto; min-height:96px; }
  .rp-row img { width:110px; height:76px; }
  .dob3 { grid-template-columns:1fr 1.5fr 1.2fr; }
}
/* stars inside score rows must not inherit the old bar styling */
.score-row .stars i { height:auto; border-radius:0; background:#F2A93B; overflow:visible; position:absolute; top:0; bottom:0; }
.score-row .stars i::after { content:none; display:none; }
.star-scores .stars { --s:17px; }

/* ===== breathing room (15 Oct, second pass) ===== */
.section { padding:84px 0; }
.section-head { margin-bottom:36px; padding-top:24px; }
.page-head { padding:34px 0 56px; }
.front { padding:52px 0 72px; gap:56px; align-items:stretch; }
.band { margin-top:84px; padding:24px 0 84px; }
.reviews { padding:24px 0 96px; }
.home-faq { padding:24px 0 104px; }
.tools { gap:32px; }
.grid3 { gap:36px 32px; }
.article { padding:56px 0 104px; }
.library { padding:84px 0 32px; }
.contacts { gap:28px; }
.values { gap:24px; }
.calc-shell { margin:12px 0 80px; }
.rp { gap:64px; padding:48px 0 16px; }
.keys { gap:20px; }
.facts div { padding:34px 36px; }
@media (max-width:820px) { .section { padding:60px 0; } .front { padding:32px 0 48px; } .band { margin-top:56px; padding-bottom:60px; } .home-faq { padding-bottom:72px; } }

/* ===== homepage Most read: rule on top like every other section, column runs the full height of the lead ===== */
.side { display:flex; flex-direction:column; }
.side > .label { border-bottom:0; border-top:3px solid var(--ink); padding:14px 0 6px; margin:0; }
.side .item:first-of-type { border-top:0; }
.side .q { margin-top:auto; }
@media (max-width:1100px) { .side .q { margin-top:28px; } }

/* ===== FAQ toggle: a drawn plus/minus, always dead centre ===== */
.faq summary::after { content:""; position:absolute; right:0; top:50%; width:32px; height:32px; margin-top:-16px; transform:none; border-radius:50%;
  background:linear-gradient(var(--orange),var(--orange)) center / 12px 2px no-repeat, linear-gradient(var(--orange),var(--orange)) center / 2px 12px no-repeat, var(--mist);
  transition:background-color .3s ease; line-height:0; font-size:0; }
.faq details[open] summary::after { content:""; background:linear-gradient(#fff,#fff) center / 12px 2px no-repeat, var(--orange); }

/* ===== review scoring: name and reason sit together ===== */
.star-scores .score-row { padding:16px 0 14px; row-gap:4px; border-bottom:1px solid var(--rule); align-items:center; }
.star-scores .score-row b { line-height:1.3; }
.star-scores .score-why { padding:0; margin:0; border:0; line-height:1.5; }

/* ===== Best SIPPs top three: three equal cards ===== */
.podium { align-items:stretch; gap:24px; }
.pick, .pick.p1 { background:#fff; border:1.5px solid var(--line); color:var(--ink); padding:28px; }
.pick.p1 h3, .pick.p1 .pick-fee b { color:var(--ink); } .pick.p1 p { color:var(--grey); } .pick.p1 .label { color:var(--orange); } .pick.p1 .ul { color:var(--ink); } .pick.p1 .pick-fee span { color:var(--grey); }
.pick .ul { margin-top:auto; padding-top:6px; }
.pick-img { margin:-28px -28px 8px; }
.pick-img img { width:100%; aspect-ratio:16/9; object-fit:cover; border-radius:18px 18px 0 0; }

/* ===== Find your best fit ===== */
.rk-card { background:#fff; border:1.5px solid var(--line); border-radius:22px; overflow:hidden; }
.rk-top { display:grid; grid-template-columns:minmax(0,1fr) auto; gap:24px; align-items:center; padding:26px 28px; background:var(--mist); }
.rk-top b { font-family:var(--display); font-size:20px; }
.rk-top .rk-intro { margin:6px 0 0; font-size:15px; }
.ranker.neutral .rk-intro::after { content:none; }
.rk-top .rk-chips { margin:0; }
.rk-cols, .rk { display:grid; grid-template-columns:44px minmax(0,1.2fr) minmax(0,1.5fr) 72px; gap:20px; align-items:center; padding:0 28px; }
.rk-cols { padding-top:16px; padding-bottom:10px; font-size:12px; font-weight:700; letter-spacing:.08em; text-transform:uppercase; color:var(--grey); border-bottom:1px solid var(--rule); }
.rk-cols .cn { display:grid; grid-template-columns:1fr 1fr 1fr; gap:12px; }
.rk-cols em { font-style:normal; }
.rk-list { border-top:0; }
.rk { min-height:76px; padding-top:12px; padding-bottom:12px; border-bottom:1px solid var(--rule); background:#fff; }
.rk:last-child { border-bottom:0; }
.rk-meta { display:grid; grid-template-columns:1fr 1fr 1fr; gap:12px; align-items:center; }
.rk-score { display:none; grid-template-columns:minmax(0,1fr) 92px; gap:14px; align-items:center; }
.ranker:not(.neutral) .rk-meta { display:none; }
.ranker:not(.neutral) .rk-score { display:grid; }
.ranker:not(.neutral) .rk-cols .cn em { display:none; }
.ranker:not(.neutral) .rk-cols .cn::before { content:"How well it matches"; }
.ranker.neutral .rk-cols .cr { visibility:hidden; }
.ranker.neutral .rk-bar { visibility:visible; }
.lvl { display:inline-block; padding:5px 10px; border-radius:999px; font-size:13px; font-weight:600; background:var(--mist); color:var(--ink); }
.lvl.l3, .lvl.l4 { background:#E4EEF8; }
.lvl.l1 { background:#F3F0EA; color:var(--grey); }
.rk .ul { justify-self:end; font-size:14px; }
.rk-pc { text-align:right; }
@media (max-width:1100px) { .rk-top { grid-template-columns:1fr; } }
@media (max-width:820px) {
  .rk-cols { display:none; }
  .rk { grid-template-columns:30px minmax(0,1fr) auto; padding:14px 18px; row-gap:10px; }
  .rk-meta, .rk-score { grid-column:2 / 4; }
  .rk-meta { grid-template-columns:auto auto auto; justify-content:start; }
  .rk .ul, .rk-none { grid-row:1; grid-column:3; }
  .rk-top { padding:22px 18px; }
}
/* blog column headings carry a quiet "Top 3" */
.rp-col > .label { display:flex; justify-content:space-between; align-items:baseline; }
.rp-col > .label span { color:var(--grey); font-weight:600; letter-spacing:.06em; }

/* newsletter: two separate boxes, each with its own label */
.signup { display:grid; grid-template-columns:1fr 1.3fr auto; gap:12px; background:none; padding:0; align-items:end; }
.nl-f { display:block; }
.nl-f span { display:block; font-size:13px; font-weight:600; color:var(--soft); margin-bottom:6px; }
.signup .nl-f input, .signup input + input { width:100%; height:52px; border:0; border-radius:10px; padding:0 16px; font:16px var(--body); color:var(--ink); background:#fff; border-left:0; border-top:0; }
.signup .nl-f input:focus { outline:3px solid var(--yellow); outline-offset:0; }
.signup .btn { height:52px; padding:0 24px; }
@media (max-width:820px) { .signup { grid-template-columns:1fr; } .signup .btn { width:100%; } }
.quick-intro { color:var(--grey); margin:-12px 0 24px; }
.providers { margin:0 0 4px; }
.mid-cta img { object-fit:cover; }
/* Top 3 lists: text-led, so each picture appears once on the page (in the library) */
.rp-row { grid-template-columns:56px minmax(0,1fr) 24px; height:auto; min-height:96px; gap:18px; }
.rp-row .rp-n { width:auto; height:auto; background:none; color:var(--ink); font:700 40px/1 var(--display); display:block; }
.rp-row:hover .rp-n { color:var(--orange); }
.rp-row h3 { font-size:20px; margin:0 0 6px; }
.rp-go { color:var(--orange); font-size:18px; transition:transform .25s; }
.rp-row:hover .rp-go { transform:translateX(4px); }
@media (max-width:820px) { .rp-row { grid-template-columns:40px minmax(0,1fr) 20px; } .rp-row .rp-n { font-size:30px; } }

/* projection: growth choice and on/off switches */
.f-lab { display:block; font-weight:600; font-size:14px; margin-bottom:8px; }
.field .seg label, .field .tog { margin:0; }
.seg.seg4 { grid-template-columns:repeat(4, minmax(0,1fr)); gap:8px; }
.field .seg4 span { flex-direction:column; height:60px; font:700 17px var(--display); line-height:1.1; }
.seg4 small { font:500 11px var(--body); color:var(--grey); margin-top:3px; }
.seg4 input:checked + span small { color:var(--soft); }
.toggles { display:grid; gap:0; border-top:1px solid var(--line); padding-top:4px; }
.field .tog { display:flex; align-items:center; justify-content:space-between; gap:16px; padding:14px 0; border-bottom:1px solid var(--line); cursor:pointer; position:relative; font-weight:500 !important; font-size:15px; }
.tog input { position:absolute; opacity:0; width:1px; height:1px; }
.tog i { flex:none; width:46px; height:26px; border-radius:999px; background:#CBD3DF; position:relative; transition:background .2s; }
.tog i::after { content:""; position:absolute; left:3px; top:3px; width:20px; height:20px; border-radius:50%; background:#fff; box-shadow:0 1px 3px rgba(0,0,0,.2); transition:transform .2s; }
.tog input:checked + i { background:var(--ink); }
.tog input:checked + i::after { transform:translateX(20px); }
.tog input:focus-visible + i { box-shadow:0 0 0 3px var(--orange); }
.cb-head p + p { margin-top:12px; }
@media (max-width:820px) { .rp-row h3 { -webkit-line-clamp:unset; display:block; } }
.au-photo { max-width:260px; }
.page-head.split .au-photo img { aspect-ratio:1/1; }
@media (max-width:820px) { .au-photo { max-width:none; } .page-head.split .au-photo img { aspect-ratio:16/11; object-position:50% 35%; } }
.prose img[src*="aj-bell-trustpilot"] { aspect-ratio:819/560; object-fit:cover; object-position:50% 50%; height:auto; }
.wrap.section { padding-left:var(--gutter); padding-right:var(--gutter); }
@media (max-width:820px) {
  .crumbs ol { flex-wrap:nowrap; white-space:nowrap; overflow:hidden; }
  .crumbs li[aria-current] { overflow:hidden; text-overflow:ellipsis; min-width:0; }
}
@media (max-width:480px) { .out-grid b { font-size:18px; white-space:nowrap; } .out-grid > div { padding-left:14px; padding-right:12px; } }
.page-head.split img[src*="jamie-kyte-when-can-i-retire"] { object-position:50% 12%; }

/* overall score (out of 5) shown before fees */
.pick-fee.ov { margin-bottom:4px; }
.pick-fee.ov span:first-child { font-weight:700; color:var(--ink); }
.pick-fee.soon em { font-style:normal; font-size:14px; color:var(--grey); }
.ov-soon { font-size:13px; color:var(--grey); white-space:nowrap; }
.rk-meta, .rk-cols .cn { grid-template-columns:1.1fr 1fr 1fr 1fr; }
/* matching mode: "Match" heading sits directly above the percentages */
.ranker:not(.neutral) .rk-cols .cn { grid-template-columns:minmax(0,1fr) 92px; }
.ranker:not(.neutral) .rk-cols .cn::after { content:"Match"; }
.ranker .rk-cols .cr { visibility:hidden; }
.rk-pc { text-align:left !important; }
@media (max-width:820px) { .rk-meta { grid-template-columns:auto auto auto auto; } }
.score-badge { display:inline-flex; align-items:center; gap:12px; flex-wrap:wrap; } .score-badge > span { font-weight:600; font-size:16px; } .score-badge .stars { --s:22px; }
.library + .rp { margin-top:72px; }

/* newsletter pop-up and corner prompt */
.nl-pop { border:0; padding:0; border-radius:24px; width:min(760px, calc(100vw - 32px)); max-height:calc(100vh - 32px); overflow:auto; box-shadow:0 40px 90px rgba(20,33,61,.35); color:var(--ink); }
.nl-pop[open] { display:grid; grid-template-columns:300px 1fr; animation:nlIn .35s cubic-bezier(.2,.7,.2,1); }
.nl-pop::backdrop { background:rgba(20,33,61,.55); backdrop-filter:blur(3px); }
.nl-pop-art img { width:100%; height:100%; object-fit:cover; display:block; }
.nl-pop-body { padding:36px 34px 30px; }
.nl-pop h2 { font-size:30px; line-height:1.1; margin:10px 0 10px; }
.nl-pop p { color:var(--grey); margin:0 0 18px; font-size:16px; }
.nl-pop .signup, .nl-corner .signup { display:grid; grid-template-columns:1fr; gap:10px; }
.nl-pop .nl-f span, .nl-corner .nl-f span { color:var(--ink); }
.nl-pop .nl-f input, .nl-corner .nl-f input { border:1.5px solid var(--line); }
.nl-pop .form-msg, .nl-corner .form-msg { color:var(--ink); font-size:14px; margin:8px 0 0; }
.nl-x { position:absolute; top:12px; right:12px; width:36px; height:36px; border-radius:50%; border:0; background:#fff; color:var(--ink); font-size:24px; line-height:1; cursor:pointer; box-shadow:0 2px 8px rgba(20,33,61,.15); z-index:2; }
.nl-x:hover { background:var(--mist); }
.nl-corner { position:fixed; right:20px; bottom:20px; z-index:60; width:340px; background:#fff; border-radius:20px; padding:20px; box-shadow:0 24px 60px rgba(20,33,61,.25); transform:translateY(20px); opacity:0; transition:transform .35s cubic-bezier(.2,.7,.2,1), opacity .35s; }
.nl-corner.in { transform:none; opacity:1; }
.nl-corner .nl-x { top:10px; right:10px; width:30px; height:30px; font-size:20px; box-shadow:none; background:var(--mist); }
.nl-c-head { display:flex; gap:12px; align-items:center; margin:0 30px 14px 0; }
.nl-c-head img { width:44px; height:44px; border-radius:50%; object-fit:cover; flex:none; }
.nl-c-head b { display:block; font-family:var(--display); font-size:17px; }
.nl-c-head span { font-size:14px; color:var(--grey); }
.nl-corner .nl-f span { font-size:12px; } .nl-corner .nl-f input { height:44px; }
@keyframes nlIn { from { opacity:0; transform:translateY(16px) scale(.98); } to { opacity:1; transform:none; } }
@media (max-width:700px) {
  .nl-pop[open] { grid-template-columns:1fr; }
  .nl-pop-art img { height:150px; }
  .nl-pop-body { padding:22px 20px 22px; }
  .nl-pop h2 { font-size:24px; }
  .nl-corner { left:12px; right:12px; bottom:12px; width:auto; }
}
@media (prefers-reduced-motion:reduce) { .nl-pop[open], .nl-corner { animation:none; transition:none; } }

/* quiz banner, part-way through articles */
.quiz-banner { display:grid; grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr); align-items:stretch; background:var(--yellow); border-radius:24px; overflow:hidden; margin:48px 0; }
.qb-art img { width:100%; height:100%; min-height:240px; object-fit:cover; object-position:78% 60%; display:block; }
.qb-body { padding:30px 30px 32px; display:flex; flex-direction:column; justify-content:center; }
.qb-body .label { color:var(--ink); opacity:.75; }
.prose .quiz-banner h3 { font-size:30px; line-height:1.1; margin:8px 0 10px; letter-spacing:-.03em; }
.prose .quiz-banner p { font-size:16px; margin:0 0 18px; color:var(--ink); }
.quiz-banner .btn { align-self:flex-start; background:var(--ink); color:#fff; text-decoration:none; }
.quiz-banner .btn:hover { background:#0B1428; }
@media (max-width:820px) { .quiz-banner { grid-template-columns:1fr; } .qb-art img { min-height:0; height:190px; } .qb-body { padding:22px 20px 24px; } .prose .quiz-banner h3 { font-size:25px; } }

/* iPhone Safari gives date fields a minimum width that can push them out of their box */
input[type="date"] { min-width:0; max-width:100%; box-sizing:border-box; text-align:left; background-color:#fff; color:var(--ink); }
input[type="date"]::-webkit-date-and-time-value { text-align:left; margin:0; }
.q form > *, .q-hero form > * { min-width:0; }
.quiz-banner { background:linear-gradient(90deg, #FBD27A 0%, var(--yellow) 55%); }
.qb-art img { -webkit-mask-image:linear-gradient(90deg, #000 70%, transparent); mask-image:linear-gradient(90deg, #000 70%, transparent); }
@media (max-width:820px) {
  .quiz-banner { background:linear-gradient(180deg, #FBD27A 0%, var(--yellow) 60%); }
  .qb-art img { height:230px; object-position:72% 30%; -webkit-mask-image:linear-gradient(180deg, #000 75%, transparent); mask-image:linear-gradient(180deg, #000 75%, transparent); }
}
.qb-art img { -webkit-mask-image:linear-gradient(90deg, #000 82%, transparent); mask-image:linear-gradient(90deg, #000 82%, transparent); }
@media (max-width:820px) { .qb-art img { height:240px; object-position:72% 45%; -webkit-mask-image:linear-gradient(180deg, #000 90%, transparent); mask-image:linear-gradient(180deg, #000 90%, transparent); } }

/* guide boxes from the retirement rules guides */
.guide-box { border-radius:18px; padding:22px 24px; margin:28px 0; }
.guide-box .label { margin-bottom:8px; }
.guide-box p { margin:0 0 10px; } .guide-box p:last-child { margin-bottom:0; }
.guide-box.quick-answer { background:var(--ink); color:#fff; }
.guide-box.quick-answer .label { color:var(--yellow); }
.guide-box.quick-answer p { color:#fff; font-size:18px; line-height:1.6; }
.guide-box.quick-answer a { color:#fff; }
.guide-box.example { background:var(--mist); border-left:4px solid var(--blue); }
.guide-box.example .label { color:var(--blue); }
.guide-box.takeaways { background:#FFF8DC; }
.guide-box.takeaways .label { color:var(--ink); }
.guide-box.takeaways ul { margin:0; padding-left:20px; } .guide-box.takeaways li { margin:6px 0; }
.guide-box.callout { background:var(--mist); }
.prose .tbl-wrap table { margin-top:6px; }
.prose p.h-note { color:var(--grey); font-size:15px; margin-top:-6px; }
@media (max-width:700px) {
  .prose table.gstack thead { display:none; }
  .prose table.gstack, .prose table.gstack tbody { display:block; }
  .prose table.gstack tr { display:block; padding:14px 0; border-bottom:1px solid var(--rule); }
  .prose table.gstack td { display:block; border:0; padding:3px 0; }
  .prose table.gstack td:first-child { font-weight:700; font-size:17px; padding-bottom:6px; }
  .prose table.gstack td:not(:first-child)::before { content:attr(data-th); display:block; font-size:11px; font-weight:700; letter-spacing:.08em; text-transform:uppercase; color:var(--grey); margin-top:6px; }
  .prose table.gstack td:empty { display:none; }
}

/* newsletter pop-up: compact (about half the old height), picture can never stretch the box */
.nl-pop { width:min(720px, calc(100vw - 32px)); max-height:none; }
.nl-pop[open] { grid-template-columns:220px 1fr; align-items:stretch; }
.nl-pop-art { position:relative; overflow:hidden; min-height:100%; }
.nl-pop-art img { position:absolute; inset:0; width:100%; height:100%; object-fit:cover; }
.nl-pop-body { padding:24px 28px 22px; }
.nl-pop h2 { font-size:23px; margin:6px 0 6px; }
.nl-pop p { font-size:14px; margin:0 0 14px; }
.nl-pop .signup { grid-template-columns:1fr 1fr; gap:8px; }
.nl-pop .signup .btn { grid-column:1 / -1; height:44px; }
.nl-pop .nl-f span { font-size:12px; margin-bottom:4px; }
.nl-pop .nl-f input { height:42px; }
.nl-pop .form-msg:empty { display:none; }
@media (max-width:700px) {
  .nl-pop[open] { grid-template-columns:1fr; }
  .nl-pop-art { height:120px; min-height:0; }
  .nl-pop .signup { grid-template-columns:1fr; }
}

/* comparison tables in the guides: ruled columns, shaded header, bold row labels */
.prose .tbl-wrap > table:not(.tbl) { border:1px solid var(--rule); border-radius:14px; border-collapse:separate; border-spacing:0; overflow:hidden; background:#fff; table-layout:fixed; }
.prose .tbl-wrap > table:not(.tbl) th, .prose .tbl-wrap > table:not(.tbl) td { padding:12px 14px; border-bottom:1px solid var(--rule); border-right:1px solid var(--rule); vertical-align:top; }
.prose .tbl-wrap > table:not(.tbl) tr > :last-child { border-right:0; }
.prose .tbl-wrap > table:not(.tbl) tbody tr:last-child td { border-bottom:0; }
.prose .tbl-wrap > table:not(.tbl) thead th { background:var(--mist); color:var(--ink); font-size:12px; }
.prose .tbl-wrap > table:not(.tbl) td:first-child { font-weight:600; color:var(--ink); }
.prose .tbl-wrap > table:not(.tbl) th:empty { background:var(--mist); }
.prose .tbl-wrap > table.gstack th:first-child:empty ~ th, .prose .tbl-wrap > table.gstack th:first-child:empty { width:auto; }
.prose .tbl-wrap > table.gstack th:first-child:empty + th { }
@media (max-width:700px) {
  .prose .tbl-wrap > table.gstack { border:0; background:transparent; table-layout:auto; overflow:visible; }
  .prose .tbl-wrap > table.gstack td { border-right:0; padding:3px 0; }
  .prose .tbl-wrap > table.gstack tr { background:#fff; border:1px solid var(--rule) !important; border-radius:14px; padding:14px 16px !important; margin-bottom:10px; }
  .prose .tbl-wrap > table.gstack tbody tr:last-child td { border-bottom:0; }
}
.prose .tbl-wrap > table.rowhead td:first-child, .prose .tbl-wrap > table.rowhead th:first-child { width:28%; }
@media (max-width:700px) { .prose .tbl-wrap > table.rowhead td:first-child, .prose .tbl-wrap > table.rowhead th:first-child { width:auto; } }

/* guide series */
.series-tag { display:inline-block; margin-bottom:14px; font:600 13px var(--body); color:#fff; text-decoration:none; background:rgba(255,255,255,.1); border:1px solid rgba(255,255,255,.22); border-radius:999px; padding:6px 14px; }
.series-tag:hover { background:rgba(255,255,255,.18); }
.series-hub { background:var(--mist); border-radius:22px; padding:26px; margin:32px 0; }
.series-hub > p { margin:4px 0 6px; color:var(--grey); font-size:16px; }
.sc-group { margin-top:22px; }
.sc-group h3 { font-size:17px !important; margin:0 0 12px !important; letter-spacing:-.01em; }
.sc-grid { display:grid; grid-template-columns:repeat(auto-fill, minmax(210px, 1fr)); gap:14px; }
.prose .sc-grid { grid-template-columns:repeat(2, minmax(0,1fr)); }
.sc-card { display:flex; flex-direction:column; background:#fff; border-radius:16px; overflow:hidden; text-decoration:none !important; color:var(--ink) !important; box-shadow:0 1px 2px rgba(20,33,61,.05), 0 8px 22px rgba(20,33,61,.06); transition:transform .25s, box-shadow .25s; }
a.sc-card:hover { transform:translateY(-3px); box-shadow:0 2px 4px rgba(20,33,61,.06), 0 16px 34px rgba(20,33,61,.12); }
.sc-card .ph img { width:100%; aspect-ratio:16/9; object-fit:cover; display:block; margin:0 !important; border-radius:0 !important; }
.sc-card .sc-n { font:700 11px var(--body); letter-spacing:.08em; text-transform:uppercase; color:var(--orange-ink, #BE4814); padding:12px 14px 0; }
.sc-card b { font:700 16px/1.25 var(--display); padding:4px 14px 0; }
.sc-card small { color:var(--grey); font-size:13.5px; line-height:1.45; padding:4px 14px 14px; }
.sc-card.here { outline:2px solid var(--ink); }
.sc-card.here .sc-n { color:var(--ink); }
.series .section-head { margin-top:8px; }
.sc-pillar { display:block; background:var(--ink); color:#fff; border-radius:20px; padding:22px 24px; text-decoration:none; margin-bottom:8px; }
.sc-pillar .label { color:var(--yellow); }
.sc-pillar b { display:block; font:700 22px/1.2 var(--display); margin:6px 0 4px; color:#fff; }
.sc-pillar small { color:var(--soft); font-size:15px; }
.sc-pillar .go { display:inline-block; margin-top:10px; font-weight:600; border-bottom:2px solid var(--yellow); }
.sc-nav { display:grid; grid-template-columns:1fr 1fr; gap:14px; margin-bottom:40px; }
.sc-nav a { display:block; background:#fff; border-radius:16px; padding:16px 20px; text-decoration:none; color:var(--ink); box-shadow:0 1px 2px rgba(20,33,61,.05), 0 8px 22px rgba(20,33,61,.06); }
.sc-nav a:hover { box-shadow:0 2px 4px rgba(20,33,61,.06), 0 16px 34px rgba(20,33,61,.12); }
.sc-nav .next { text-align:right; }
.sc-nav small { display:block; color:var(--grey); font-size:13px; margin-bottom:4px; }
.sc-nav b { font:700 16px/1.3 var(--display); }
@media (max-width:820px) {
  .sc-nav { grid-template-columns:1fr; }
  .sc-nav .next { text-align:left; }
  .prose .sc-grid, .sc-grid { grid-template-columns:1fr 1fr; gap:10px; }
  .sc-card small { display:none; }
  .sc-card b { font-size:14px; padding-bottom:12px; }
  .series-hub { padding:20px 16px; }
}

/* touch-friendly controls on phones and tablets */
@media (max-width:1024px) {
  input[type="range"] { height:36px; }
  .lib-sort select { min-height:44px; }
}
.lib-sort select { -webkit-appearance:none; appearance:none; min-height:44px; background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none' stroke='%2314213D' stroke-width='2'%3E%3Cpath d='m1 1 5 5 5-5'/%3E%3C/svg%3E") right 14px center no-repeat; padding-right:36px; }

/* cookie choice */
.ck { position:fixed; left:20px; bottom:20px; z-index:60; max-width:430px; background:#fff; color:var(--ink); border-radius:20px; padding:20px 22px; box-shadow:0 2px 6px rgba(20,33,61,.08), 0 24px 60px rgba(20,33,61,.22); opacity:0; transform:translateY(12px); transition:opacity .3s, transform .3s cubic-bezier(.2,.7,.2,1); }
.ck.in { opacity:1; transform:none; }
.ck p { margin:0; font-size:15px; line-height:1.55; color:var(--grey); }
.ck p b { display:block; color:var(--ink); font-size:16px; margin-bottom:4px; }
.ck p a { color:var(--ink); }
.ck-btns { display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-top:16px; }
.ck-btns .btn { justify-content:center; width:100%; min-height:46px; background:var(--ink); color:#fff; border-color:var(--ink); }
.ck-open { background:none; border:0; padding:0; font:inherit; color:inherit; text-decoration:underline; cursor:pointer; }
@media (max-width:600px) { .ck { left:10px; right:10px; bottom:10px; max-width:none; padding:18px; } }
@media (prefers-reduced-motion:reduce) { .ck { transition:none; } }