/* Wyke Financial + Wyke Business Protection — unified design system.
   Brand colours are sampled from the two live logos: lime #98c840 + black #181818 (Financial), teal #1890b8 (Business Protection). */
:root {
  --lime: #98c840;
  --lime-deep: #4f7d10;      /* text-safe green on white */
  --lime-soft: #f1f7e4;
  --ink: #181818;
  --ink-2: #2b2b2b;
  --text: #33373b;
  --muted: #666d73;
  --line: #e3e6e0;
  --paper: #ffffff;
  --mist: #f5f6f2;
  --teal: #1890b8;
  --teal-deep: #0e6d8c;
  --teal-soft: #e8f4f8;
  --accent: var(--lime);
  --accent-deep: var(--lime-deep);
  --accent-soft: var(--lime-soft);
  --on-accent: #101010;
  --warn: #b3261e;
  --warn-bg: #fdeceb;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(20, 25, 10, .08);
  --shell: 1180px;
  --head: 'Raleway', 'Segoe UI', system-ui, sans-serif;
  --body: 'Open Sans', 'Segoe UI', system-ui, sans-serif;
}
body[data-brand="bp"] {
  --accent: var(--teal);
  --accent-deep: var(--teal-deep);
  --accent-soft: var(--teal-soft);
  --on-accent: #fff;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { margin: 0; font: 400 16.5px/1.7 var(--body); color: var(--text); background: var(--paper); }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--accent-deep); text-underline-offset: 3px; }
a:hover { color: var(--ink); }
h1, h2, h3, h4, h5, h6 { font-family: var(--head); color: var(--ink); line-height: 1.18; margin: 0 0 .55em; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.2vw, 3.4rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 2.6vw, 2.15rem); font-weight: 700; }
h3 { font-size: 1.3rem; font-weight: 700; }
h4, h5, h6 { font-size: 1.08rem; font-weight: 700; }
p { margin: 0 0 1.1em; }
.shell { width: min(var(--shell), 100% - 40px); margin-inline: auto; }
.skip { position: absolute; left: -999px; top: 0; background: var(--ink); color: #fff; padding: 10px 16px; z-index: 100; }
.skip:focus { left: 8px; top: 8px; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ── buttons ─────────────────────────────── */
.btn { display: inline-flex; align-items: center; gap: .5em; font: 700 .95rem/1 var(--head); letter-spacing: .02em; text-decoration: none; padding: 15px 26px; border-radius: 999px; border: 2px solid transparent; cursor: pointer; transition: transform .15s, background .15s, color .15s, border-color .15s; }
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--accent); color: var(--on-accent); }
.btn-primary:hover { background: var(--ink); color: #fff; }
.btn-dark { background: var(--ink); color: #fff; }
.btn-dark:hover { background: var(--accent); color: var(--on-accent); }
.btn-outline { border-color: currentColor; color: var(--ink); background: transparent; }
.btn-outline:hover { background: var(--ink); color: #fff; border-color: var(--ink); }
.btn-light { border-color: rgba(255,255,255,.7); color: #fff; }
.btn-light:hover { background: #fff; color: var(--ink); border-color: #fff; }
.btn-sm { padding: 11px 20px; font-size: .85rem; }

/* ── top bar + header ────────────────────── */
.topbar { background: var(--lime); color: #101010; font: 600 .82rem/1 var(--head); }
body[data-brand="bp"] .topbar { background: var(--teal); color: #fff; }
.topbar .shell { display: flex; justify-content: space-between; align-items: center; min-height: 38px; gap: 16px; }
.topbar a { color: inherit; text-decoration: none; }
.topbar a:hover { text-decoration: underline; }
.rating-chip { display: inline-flex; align-items: center; gap: 8px; }
.stars { color: #fff59b; letter-spacing: 1px; text-shadow: 0 0 1px rgba(0,0,0,.4); }
.topbar-right { display: flex; align-items: center; gap: 14px; }
.social { display: inline-flex; gap: 8px; }
.social a { width: 24px; height: 24px; border-radius: 50%; background: #101010; color: #fff; display: grid; place-items: center; }
body[data-brand="bp"] .social a { background: #fff; color: var(--teal-deep); }
.social svg { width: 13px; height: 13px; fill: currentColor; }
.site-header { background: #fff; position: sticky; top: 0; z-index: 50; border-bottom: 1px solid var(--line); }
body[data-brand="bp"] .site-header { background: #0d1a20; border-bottom-color: #0d1a20; }
.header-row { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 84px; }
.brand img { height: 62px; width: auto; }
body[data-brand="bp"] .brand img { height: 46px; }
.navlist { list-style: none; display: flex; align-items: center; gap: 4px; margin: 0; padding: 0; }
.navlist > li { position: relative; }
.navlist > li > a { display: block; padding: 10px 13px; font: 700 .8rem/1 var(--head); letter-spacing: .07em; text-transform: uppercase; color: var(--ink); text-decoration: none; border-radius: 8px; }
body[data-brand="bp"] .navlist > li > a { color: #fff; }
.navlist > li > a:hover, .navlist > li > a[aria-current] { color: var(--accent-deep); }
body[data-brand="bp"] .navlist > li > a:hover, body[data-brand="bp"] .navlist > li > a[aria-current] { color: #7fd4ee; }
.nav-bp > a { background: var(--teal); color: #fff !important; }
.nav-bp > a:hover { background: var(--teal-deep); }
.nav-cta > a { background: var(--ink); color: #fff !important; padding-inline: 20px !important; }
body[data-brand="bp"] .nav-cta > a { background: var(--teal); }
.nav-cta > a:hover { background: var(--accent) !important; color: var(--on-accent) !important; }
.dropdown { position: absolute; left: 0; top: 100%; min-width: 250px; background: #fff; border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow); list-style: none; margin: 0; padding: 8px; opacity: 0; visibility: hidden; transform: translateY(6px); transition: .15s; }
.navlist li:hover > .dropdown, .navlist li:focus-within > .dropdown { opacity: 1; visibility: visible; transform: none; }
.dropdown a { display: block; padding: 10px 12px; border-radius: 8px; color: var(--ink); text-decoration: none; font: 600 .92rem/1.3 var(--body); }
.dropdown a:hover { background: var(--accent-soft); color: var(--accent-deep); }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; }
.nav-toggle span:not(.visually-hidden) { display: block; width: 26px; height: 3px; background: var(--ink); margin: 5px 0; border-radius: 2px; transition: .2s; }
body[data-brand="bp"] .nav-toggle span:not(.visually-hidden) { background: #fff; }

/* ── heroes ──────────────────────────────── */
.hero { position: relative; color: #fff; background: #111; isolation: isolate; overflow: hidden; }
.hero-img { position: absolute; inset: 0; z-index: -2; }
.hero-img img { width: 100%; height: 100%; object-fit: cover; }
.hero::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(95deg, rgba(10,12,8,.86) 0%, rgba(10,12,8,.62) 48%, rgba(10,12,8,.15) 100%); }
.hero .shell { padding-block: clamp(70px, 11vw, 150px); }
/* inner-page banners: a little taller than the text needs, so a 3:2 photo keeps whole heads in a wide crop */
.page-hero { min-height: clamp(300px, 29vw, 430px); display: flex; align-items: center; }
.hero-home .shell { padding-block: clamp(90px, 13vw, 190px); }
.hero h1 { color: #fff; max-width: 15ch; margin-bottom: .35em; }
.hero-lede { font-size: clamp(1.05rem, 1.6vw, 1.3rem); max-width: 40em; color: rgba(255,255,255,.92); margin-bottom: 1.6em; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; }
.eyebrow { display: inline-block; font: 800 .78rem/1 var(--head); letter-spacing: .16em; text-transform: uppercase; color: var(--accent-deep); margin-bottom: 14px; }
.hero .eyebrow { color: var(--accent); }
.hero-badge { display: inline-flex; align-items: center; gap: 12px; margin-top: 34px; background: rgba(255,255,255,.96); color: var(--ink); text-decoration: none; padding: 12px 18px; border-radius: 12px; font: 600 .9rem/1.2 var(--body); box-shadow: 0 8px 24px rgba(0,0,0,.25); }
.hero-badge strong { font: 800 1.5rem/1 var(--head); }
.hero-badge .stars { color: #fb8e28; text-shadow: none; font-size: 1.05rem; }
.hero-badge:hover { color: var(--ink); background: #fff; }
.g-logo { font: 700 1.2rem/1 'Product Sans', Arial, sans-serif; letter-spacing: -.5px; }
.g-logo i { font-style: normal; }
.page-hero .shell { padding-block: clamp(56px, 8vw, 110px); }
.page-hero h1 { font-size: clamp(2rem, 4vw, 3.1rem); max-width: 22ch; }
.crumbs { font: 600 .82rem/1.2 var(--body); margin-bottom: 18px; color: rgba(255,255,255,.75); }
.crumbs a { color: rgba(255,255,255,.9); text-decoration: none; }
.crumbs a:hover { text-decoration: underline; color: #fff; }
.crumbs span { margin: 0 6px; opacity: .6; }
.hero-plain { background: var(--ink); }

/* ── sections ────────────────────────────── */
.section { padding-block: clamp(56px, 8vw, 104px); }
.section-tint { background: var(--mist); }
.section-dark { background: var(--ink); color: #dfe3d8; }
.section-dark h2, .section-dark h3 { color: #fff; }
.section-head { max-width: 46rem; margin-bottom: 40px; }
.section-head.center { margin-inline: auto; text-align: center; }
.split { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(30px, 6vw, 80px); align-items: center; }
.split-rev { grid-template-columns: .85fr 1.15fr; }
.split img { border-radius: var(--radius); box-shadow: var(--shadow); width: 100%; }
.lead { font-size: 1.2rem; line-height: 1.65; color: var(--ink-2); }
.lead strong { color: var(--ink); }
.warning { background: var(--warn-bg); border-left: 5px solid var(--warn); color: #6d1712; padding: 16px 20px; border-radius: 8px; font: 700 .85rem/1.5 var(--body); letter-spacing: .01em; margin: 1.6em 0; }
.warning strong { font-weight: 700; }

/* ── cards ───────────────────────────────── */
.card-grid { display: grid; gap: 24px; grid-template-columns: repeat(auto-fit, minmax(255px, 1fr)); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; text-decoration: none; color: var(--text); transition: transform .2s, box-shadow .2s; }
a.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); color: var(--text); }
.card-img { aspect-ratio: 16 / 10; overflow: hidden; background: var(--mist); }
.card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s; }
a.card:hover .card-img img { transform: scale(1.04); }
.card-body { padding: 24px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.card h3 { margin-bottom: .4em; }
.card p { font-size: .96rem; }
.card-cta { margin-top: auto; padding-top: 6px; font: 800 .82rem/1 var(--head); letter-spacing: .08em; text-transform: uppercase; color: var(--accent-deep); }
.card-bp { border-top: 5px solid var(--teal); }
.card-bp .card-cta { color: var(--teal-deep); }
.tag { display: inline-block; font: 800 .68rem/1 var(--head); letter-spacing: .1em; text-transform: uppercase; padding: 5px 9px; border-radius: 999px; background: var(--lime-soft); color: var(--lime-deep); margin-bottom: 12px; align-self: flex-start; }
.tag-bp { background: var(--teal-soft); color: var(--teal-deep); }
.card-meta { font-size: .82rem; color: var(--muted); margin-top: 12px; }

/* ── reviews ─────────────────────────────── */
.rating-summary { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; margin-bottom: 30px; }
.rating-summary .big { font: 800 3.4rem/1 var(--head); color: var(--ink); }
.rating-summary .stars { color: #fb8e28; font-size: 1.5rem; text-shadow: none; }
.reviews { display: grid; grid-auto-flow: column; grid-auto-columns: min(320px, 86%); gap: 18px; align-items: start; overflow-x: auto; scroll-snap-type: x mandatory; padding: 6px 2px 22px; scrollbar-width: thin; }
.review { margin: 0; scroll-snap-align: start; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; display: flex; flex-direction: column; }
.review .stars { color: #fb8e28; text-shadow: none; margin-bottom: 10px; }
.review blockquote { margin: 0 0 16px; font-size: .96rem; flex: 1; }
.review .who { font: 700 .92rem/1.2 var(--head); color: var(--ink); }
.review .src { font-size: .78rem; color: var(--muted); }

/* ── calculators band ───────────────────── */
.calc-links { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 14px; }
.prose .calc-links { margin: 1.4em 0 2em; }
.calc-link { display: flex; align-items: center; justify-content: space-between; gap: 10px; background: var(--lime); color: #101010; text-decoration: none; font: 700 1rem/1.2 var(--head); padding: 18px 20px; border-radius: 12px; transition: transform .15s, background .15s; }
.calc-link:hover { background: #fff; color: #101010; transform: translateY(-2px); }
.calc-link svg { width: 26px; height: 26px; flex: none; }

/* ── lenders: scrolling banner above the footer (WF pages) ── */
.lender-marquee { background: #fff; border-top: 4px solid var(--line); overflow: hidden; padding: 22px 0; }
.lender-track { display: flex; width: max-content; animation: lender-scroll var(--dur, 160s) linear infinite; }
.lender-marquee:hover .lender-track, .lender-marquee:focus-within .lender-track { animation-play-state: paused; }
.lender-row { display: flex; align-items: center; gap: 56px; margin: 0; padding: 0 28px; list-style: none; }
.lender-row li { flex: none; height: 56px; display: flex; align-items: center; }
.lender-row img { height: 48px; width: auto; max-width: 150px; object-fit: contain; }
@keyframes lender-scroll { to { transform: translateX(-50%); } }
@media (max-width: 640px) { .lender-marquee { padding: 16px 0; } .lender-row { gap: 36px; padding: 0 18px; } .lender-row li { height: 44px; } .lender-row img { height: 36px; max-width: 110px; } }
@media (prefers-reduced-motion: reduce) {
  .lender-marquee { overflow-x: auto; }
  .lender-track { animation: none; }
  .lender-row[aria-hidden] { display: none; }
}

/* ── prose ───────────────────────────────── */
.layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: clamp(30px, 5vw, 70px); align-items: start; }
.layout.no-aside { grid-template-columns: minmax(0, 820px); justify-content: center; }
.prose { font-size: 1.04rem; }
.prose > *:first-child { margin-top: 0; }
.prose h2 { margin-top: 1.9em; padding-bottom: .35em; border-bottom: 3px solid var(--accent); display: inline-block; }
.prose h3 { margin-top: 1.7em; }
.prose h4, .prose h5, .prose h6 { margin-top: 1.5em; color: var(--accent-deep); }
.prose ul, .prose ol { padding-left: 1.3em; margin: 0 0 1.3em; }
.prose li { margin-bottom: .55em; }
.prose li::marker { color: var(--accent-deep); font-weight: 700; }
.prose figure { margin: 1.8em 0; }
.prose figure img { border-radius: var(--radius); width: auto; max-width: 100%; height: auto; }
.prose figure.thumb { float: left; width: 150px; margin: .2em 26px 12px 0; }
.prose figure.thumb img { border-radius: 50%; aspect-ratio: 1; object-fit: cover; box-shadow: var(--shadow); }
.prose blockquote { margin: 1.8em 0; padding: 22px 28px; background: var(--accent-soft); border-left: 5px solid var(--accent); border-radius: 0 var(--radius) var(--radius) 0; font: 600 1.15rem/1.6 var(--head); color: var(--ink); }
.prose .table-wrap { overflow-x: auto; margin: 1.5em 0; }
.prose table { border-collapse: collapse; width: 100%; font-size: .94rem; }
.prose th, .prose td { border: 1px solid var(--line); padding: 10px 14px; text-align: left; vertical-align: top; }
.prose th { background: var(--mist); font-family: var(--head); }
.prose::after { content: ""; display: block; clear: both; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin: 1.6em 0; }
.aside { position: sticky; top: 108px; display: grid; gap: 18px; }
.aside-card { background: var(--mist); border-radius: var(--radius); padding: 26px; }
.aside-card h3 { font-size: 1.12rem; }
.aside-card .btn { width: 100%; justify-content: center; }
.aside-card p { font-size: .94rem; }
.aside-links { list-style: none; margin: 0; padding: 0; }
.aside-links a { display: block; padding: 9px 0; border-bottom: 1px solid var(--line); text-decoration: none; font-weight: 600; color: var(--ink); }
.aside-links a:hover, .aside-links a[aria-current] { color: var(--accent-deep); }
.aside-links li:last-child a { border: 0; }

/* ── team ────────────────────────────────── */
.team-grid { display: grid; gap: 28px; grid-template-columns: repeat(auto-fill, minmax(290px, 1fr)); }
.person { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; }
.person-photo { aspect-ratio: 4 / 4.2; background: var(--ink); overflow: hidden; }
.person-photo img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }
.person-body { padding: 22px 24px 24px; display: flex; flex-direction: column; gap: 8px; flex: 1; }
.person h3 { margin: 0; font-size: 1.2rem; }
.person .role { font: 700 .78rem/1.3 var(--head); letter-spacing: .09em; text-transform: uppercase; color: var(--accent-deep); }
.person .mail { font-size: .9rem; word-break: break-all; }
.person details { margin-top: 6px; }
.person summary { cursor: pointer; font: 800 .8rem/1 var(--head); letter-spacing: .08em; text-transform: uppercase; color: var(--ink); padding: 8px 0; }
.person details p { font-size: .93rem; margin-top: .8em; }
.person .btn { align-self: flex-start; margin-top: auto; }

/* ── article ─────────────────────────────── */
.article-head { max-width: 820px; }
.article-meta { color: rgba(255,255,255,.8); font-size: .92rem; margin-top: 8px; }
.post-grid { display: grid; gap: 26px; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); }
.filters { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 30px; }
.filters button { font: 700 .82rem/1 var(--head); letter-spacing: .06em; text-transform: uppercase; background: #fff; border: 2px solid var(--line); padding: 11px 18px; border-radius: 999px; cursor: pointer; color: var(--ink); }
.filters button[aria-pressed="true"] { background: var(--ink); border-color: var(--ink); color: #fff; }

/* ── contact + forms ─────────────────────── */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 5vw, 64px); }
.office { border-top: 4px solid var(--lime); background: var(--mist); border-radius: 0 0 var(--radius) var(--radius); padding: 22px 24px; margin-bottom: 18px; }
.office h3 { margin-bottom: .3em; }
.office p { margin: 0 0 .4em; }
.form { display: grid; gap: 14px; }
.form label { font: 700 .86rem/1.2 var(--head); color: var(--ink); display: grid; gap: 6px; }
.form input, .form textarea, .form select { font: 400 1rem/1.4 var(--body); padding: 13px 15px; border: 1.5px solid #cfd4c9; border-radius: 10px; background: #fff; color: var(--ink); width: 100%; }
.form input:focus, .form textarea:focus { outline: 3px solid var(--accent-soft); border-color: var(--accent-deep); }
.form .hp { position: absolute; left: -9999px; }
.form-note { font-size: .82rem; color: var(--muted); }

/* ── third-party embeds ──────────────────── */
.embed { margin-block: 1.5em; }
.calc-section { padding-block: 40px; border-top: 1px solid var(--line); }
.calc-section:nth-of-type(even) { background: var(--mist); }
.calc-section > .shell > h2 { font-size: .9rem; letter-spacing: .12em; text-transform: uppercase; background: var(--ink); color: #fff; display: inline-block; padding: 9px 16px; border-radius: 6px; }
.mq-embed :where(input, select) { font-family: var(--body); }

/* ── footer ──────────────────────────────── */
.site-footer { background: var(--ink); color: #c9cec2; margin-top: 0; }
.footer-top { padding-block: 60px 36px; display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 40px; }
.footer-top img { height: 70px; width: auto; margin-bottom: 18px; }
.footer-top .footer-h { color: #fff; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 14px; }
.site-footer a { color: #dfe6cf; text-decoration: none; }
.site-footer a:hover { color: var(--lime); text-decoration: underline; }
body[data-brand="bp"] .site-footer a:hover { color: #7fd4ee; }
.footer-top ul { list-style: none; margin: 0; padding: 0; font-size: .95rem; }
.footer-top li { margin-bottom: 8px; }
.footer-top p { font-size: .95rem; margin-bottom: .5em; }
.footer-social { margin-top: 16px; }
.footer-social .social a { background: #2b2b2b; width: 32px; height: 32px; }
.footer-social .social svg { width: 16px; height: 16px; }
.footer-legal { border-top: 1px solid #333; padding-block: 34px 90px; font-size: .78rem; line-height: 1.75; color: #9aa094; }
.footer-legal .cols { display: grid; grid-template-columns: 1fr 1fr; gap: 34px; }
.footer-legal p { margin-bottom: .8em; }
.footer-legal .rep { font-weight: 700; color: #e6b8b4; letter-spacing: .02em; }
.footer-legal .bp-legal { margin-top: 22px; padding-top: 22px; border-top: 1px solid #2c2c2c; }
.footer-copy { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px; margin-top: 22px; color: #b9bfae; }
/* floating pill on desktop, full-width bar on phones (below) */
.float-book { position: fixed; right: 24px; bottom: 24px; z-index: 60; background: var(--lime); color: #101010; font: 700 1rem/1 var(--head); padding: 16px 26px; border-radius: 999px; text-decoration: none; box-shadow: 0 8px 24px rgba(0,0,0,.22); }
body[data-brand="bp"] .float-book { background: var(--teal); color: #fff; }
.float-book:hover { background: #fff; color: #101010; }

/* ── responsive ──────────────────────────── */
@media (max-width: 1080px) {
  .nav-toggle { display: block; }
  .navlist { position: absolute; left: 0; right: 0; top: 100%; background: #fff; flex-direction: column; align-items: stretch; padding: 12px 20px 24px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); display: none; max-height: calc(100vh - 120px); overflow: auto; }
  body[data-brand="bp"] .navlist { background: #0d1a20; }
  .navlist.open { display: flex; }
  .navlist > li > a { padding: 14px 8px; }
  .dropdown { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 0 0 6px 14px; }
  body[data-brand="bp"] .dropdown { background: transparent; }
  body[data-brand="bp"] .dropdown a { color: #dbeef5; }
  .layout, .split, .split-rev, .contact-grid { grid-template-columns: 1fr; }
  .aside { position: static; }
  .footer-top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .topbar .social, .topbar .cl { display: none; }
  .header-row { min-height: 70px; }
  .brand img { height: 50px; }
  .hero::after { background: linear-gradient(180deg, rgba(10,12,8,.8), rgba(10,12,8,.72)); }
  .footer-top, .footer-legal .cols { grid-template-columns: 1fr; }
  .prose figure.thumb { float: none; margin: 0 0 16px; width: 120px; }
  .float-book { left: 0; right: 0; bottom: 0; text-align: center; border-radius: 0; padding: 16px 16px calc(16px + env(safe-area-inset-bottom)); box-shadow: 0 -4px 18px rgba(0,0,0,.18); }
  body { padding-bottom: calc(52px + env(safe-area-inset-bottom)); }   /* so the bar never covers the end of the footer */
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; scroll-behavior: auto !important; } }

.card-icon { background: #fff; padding: 22px; aspect-ratio: 16 / 9; }
.card-icon img { object-fit: contain !important; }
.embed:has([id^="mq-"]) + .embed-note { display: none; }
.hero-plain h1 { max-width: 30ch; }
.prose h3 { font-size: 1.15rem; }

.prose figure.thumb { clear: left; }
.prose h2, .prose h3 { clear: both; }

.prose figure.thumb img { width: 100%; height: auto; }
img { height: auto; }

.prose figure.icon { margin: 1.4em 0 .4em; }
.prose figure.icon img { width: 88px; height: auto; border-radius: 0; }

.pillars { background: #101619; color: #dfe6e8; border-radius: var(--radius); padding: 40px clamp(20px, 4vw, 44px) 24px; margin: 2.2em 0; }
.pillars h2 { color: #fff; border: 0; display: block; text-align: center; margin: 0 0 1em; }
.pillar-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; text-align: center; margin-bottom: 1.6em; }
.pillar img { width: 84px; height: 84px; margin: 0 auto 10px; }
.pillar h3 { color: #fff; margin: 0; font-size: 1.2rem; }
@media (max-width: 640px) { .pillar-row { grid-template-columns: 1fr; } }

.related-block { margin-top: 2.4em; padding: 22px 26px; background: var(--mist); border-radius: var(--radius); }
.related-block h2 { font-size: 1.15rem; border: 0; margin: 0 0 .6em; display: block; padding: 0; }
.related-block ul { margin: 0; padding-left: 1.2em; }
:focus-visible { outline: 3px solid var(--accent-deep); outline-offset: 3px; border-radius: 4px; }
.btn:focus-visible { outline-color: var(--ink); }

.footer-top .footer-h { font: 800 .8rem/1.2 var(--head); margin: 0 0 14px; }

/* ── form status + Turnstile ──────────────── */
.cf-turnstile { min-height: 65px; }
.form-status { margin: 0; padding: 12px 15px; border-radius: 10px; font-weight: 600; }
.form-status.ok { background: var(--lime-soft); color: var(--ink); }
.form-status.err { background: #fdecea; color: #8a1c12; }
.form [hidden] { display: none !important; }

/* ── our calculators ──────────────────────── */
.calc-nav { display: flex; flex-wrap: wrap; gap: 10px; padding-block: 28px 8px; }
.calc-nav a { font: 700 .82rem/1 var(--head); letter-spacing: .06em; text-transform: uppercase; text-decoration: none; color: var(--ink); background: #fff; border: 2px solid var(--line); padding: 11px 18px; border-radius: 999px; }
.calc-nav a:hover { border-color: var(--accent-deep); }
.calc { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr); gap: clamp(20px, 4vw, 48px); margin-top: 22px; align-items: start; }
.calc-fields { display: grid; gap: 14px; }
.calc-intro { margin: 0; color: var(--muted); }
.calc label { font: 700 .86rem/1.2 var(--head); color: var(--ink); display: grid; gap: 6px; }
.calc [hidden] { display: none !important; }
.calc select, .calc input:not([type=checkbox]) { font: 400 1rem/1.4 var(--body); padding: 13px 15px; border: 1.5px solid #cfd4c9; border-radius: 10px; background: #fff; color: var(--ink); width: 100%; }
.calc select:focus, .calc input:focus { outline: 3px solid var(--accent-soft); border-color: var(--accent-deep); }
.calc-in { position: relative; display: block; }
.calc-gbp input { padding-left: 30px !important; }
.calc-gbp::before { content: "£"; position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; }
.calc-in[data-unit] input { padding-right: 64px !important; }
.calc-in[data-unit]::after { content: attr(data-unit); position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font: 600 .85rem/1 var(--body); }
.calc-check { display: flex !important; align-items: center; gap: 10px; font-weight: 600 !important; }
.calc-check input { width: 20px; height: 20px; accent-color: var(--accent-deep); }
.calc-out { background: var(--ink); color: #fff; border-radius: var(--radius); padding: 24px 26px; position: sticky; top: 100px; }
.calc-out-row { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; padding: 9px 0; border-bottom: 1px solid rgba(255,255,255,.14); font-size: .95rem; }
.calc-out-row strong { font: 700 1.05rem/1.2 var(--head); white-space: nowrap; }
.calc-out-row.big { flex-direction: column; align-items: flex-start; gap: 6px; padding-top: 0; }
.calc-out-row.big span { font: 700 .78rem/1 var(--head); letter-spacing: .1em; text-transform: uppercase; color: var(--lime); }
.calc-out-row.big strong { font-size: clamp(1.9rem, 4vw, 2.5rem); }
.calc-bands { list-style: none; margin: 12px 0 0; padding: 0; font-size: .86rem; color: rgba(255,255,255,.8); }
.calc-bands li { display: flex; justify-content: space-between; gap: 10px; padding: 4px 0; }
.calc-hint { font-size: .84rem; color: rgba(255,255,255,.72); margin: 14px 0 0; }
@media (max-width: 760px) { .calc { grid-template-columns: 1fr; } .calc-out { position: static; } }

/* ── market snapshot ──────────────────────── */
.mkt { margin-bottom: 44px; }
.mkt-band { padding-block: 44px 4px; }
.mkt-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: baseline; gap: 8px 24px; margin-bottom: 18px; }
.mkt-head h2 { margin: 0; color: #fff; font-size: clamp(1.3rem, 2.4vw, 1.7rem); }
.mkt-mpc { margin: 0; color: rgba(255,255,255,.75); font-size: .92rem; }
.mkt-mpc strong { color: var(--lime); }
.mkt-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 12px; }
.mkt-item { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: 12px; padding: 16px 18px; display: grid; gap: 6px; align-content: start; }
.mkt-label { font: 700 .74rem/1.25 var(--head); letter-spacing: .06em; text-transform: uppercase; color: rgba(255,255,255,.7); }
.mkt-val { font: 800 1.9rem/1 var(--head); color: #fff; }
.mkt-chg { font-size: .84rem; color: var(--lime); }
.mkt-spark { width: 96px; height: 26px; }
.mkt-spark polyline { fill: none; stroke: var(--lime); stroke-width: 2; vector-effect: non-scaling-stroke; stroke-linejoin: round; stroke-linecap: round; }
.mkt-src { font-size: .74rem; color: rgba(255,255,255,.5); }
.mkt-note { margin: 14px 0 0; font-size: .8rem; color: rgba(255,255,255,.6); }
.mkt-note a { color: var(--lime); }
@media (max-width: 640px) {
  .mkt-grid { grid-template-columns: 1fr 1fr; gap: 8px; }
  .mkt-item { padding: 12px 12px; gap: 4px; }
  .mkt-label { font-size: .66rem; }
  .mkt-val { font-size: 1.45rem; }
  .mkt-spark { width: 100%; height: 20px; }
  .mkt-src, .mkt-chg { font-size: .7rem; }
}

/* ── feature cards (image + heading + line) ─ */
.feature-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 16px; margin: 18px 0 28px; clear: both; }
.feature { background: var(--mist); border-radius: var(--radius); padding: 20px; text-align: center; }
.feature img { width: 120px; height: 120px; border-radius: 50%; object-fit: cover; margin: 0 auto 12px; display: block; box-shadow: var(--shadow); }
.feature h3 { font-size: 1rem; margin: 0 0 6px; }
.feature p { margin: 0; font-size: .92rem; }