/* ==========================================================================
   calcu.co.uk — Design System
   "Warm editorial fintech" — cream + ink, coral→violet accent,
   serif display headings, clean sans body. Distinctive, premium, UK.
   ========================================================================== */

:root{
  --ink:#1a1726;
  --ink-soft:#4a4458;
  --ink-faint:#7c7689;
  --cream:#fbf7f0;
  --cream-2:#f4ecdf;
  --paper:#ffffff;
  --line:#e7ddcd;
  --coral:#ff5a5f;
  --coral-deep:#e63e54;
  --violet:#6a4cff;
  --violet-deep:#4b32c9;
  --teal:#0fb5a3;
  --gold:#f6b73c;
  --good:#149a5a;
  --good-bg:#e3f6ec;
  --warn:#b9772a;
  --warn-bg:#fcefdb;
  --shadow-sm:0 1px 2px rgba(26,23,38,.06),0 2px 8px rgba(26,23,38,.05);
  --shadow-md:0 6px 24px rgba(26,23,38,.10),0 2px 8px rgba(26,23,38,.06);
  --shadow-lg:0 18px 60px rgba(74,52,201,.14),0 6px 20px rgba(26,23,38,.10);
  --r-sm:10px; --r:16px; --r-lg:24px; --r-xl:32px;
  --grad:linear-gradient(120deg,var(--coral) 0%,var(--violet) 100%);
  --grad-soft:linear-gradient(120deg,#fff1ee 0%,#efeaff 100%);
  --maxw:1120px;
  --sans:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --serif:'Fraunces','Playfair Display',Georgia,'Times New Roman',serif;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;font-family:var(--sans);color:var(--ink);
  background:var(--cream);line-height:1.65;font-size:17px;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--violet-deep);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.12;color:var(--ink);letter-spacing:-.01em;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,5.4vw,3.5rem);font-weight:600}
h2{font-size:clamp(1.5rem,3.4vw,2.25rem)}
h3{font-size:1.28rem}
p{margin:0 0 1rem}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
.narrow{max-width:760px}

/* ---------- Skip / a11y ---------- */
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;border-radius:0 0 8px 0;z-index:200}
.skip:focus{left:0}

/* ---------- Header ---------- */
.site-head{position:sticky;top:0;z-index:100;background:rgba(251,247,240,.86);backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid var(--line)}
.site-head .bar{display:flex;align-items:center;justify-content:space-between;gap:18px;height:68px}
.brand{display:flex;align-items:center;gap:11px;font-family:var(--serif);font-weight:600;font-size:1.32rem;color:var(--ink);letter-spacing:-.02em}
.brand:hover{text-decoration:none}
.brand .mark{width:38px;height:38px;border-radius:11px;background:var(--grad);display:grid;place-items:center;color:#fff;font-family:var(--sans);font-weight:800;font-size:1.05rem;box-shadow:0 4px 14px rgba(106,76,255,.35);flex:0 0 auto}
.brand .tld{color:var(--coral-deep)}
.nav{display:flex;align-items:center;gap:6px}
.nav a{color:var(--ink-soft);font-weight:600;font-size:.95rem;padding:8px 13px;border-radius:9px;transition:background .15s,color .15s}
.nav a:hover{background:var(--cream-2);color:var(--ink);text-decoration:none}
.nav a.cta{background:var(--ink);color:#fff}
.nav a.cta:hover{background:var(--violet-deep)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;align-items:center;justify-content:center;cursor:pointer}
.menu-btn span,.menu-btn span::before,.menu-btn span::after{content:"";display:block;width:20px;height:2px;background:var(--ink);position:relative;transition:.2s}
.menu-btn span::before{position:absolute;top:-6px}.menu-btn span::after{position:absolute;top:6px}

/* ---------- Hero ---------- */
.hero{position:relative;padding:64px 0 48px;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:
  radial-gradient(900px 480px at 78% -8%,rgba(106,76,255,.16),transparent 60%),
  radial-gradient(720px 420px at 6% 12%,rgba(255,90,95,.14),transparent 58%);
  z-index:0}
.hero .wrap{position:relative;z-index:1}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.82rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--violet-deep);background:#fff;border:1px solid var(--line);padding:7px 14px;border-radius:999px;box-shadow:var(--shadow-sm)}
.eyebrow .dot{width:8px;height:8px;border-radius:50%;background:var(--coral)}
.hero h1{margin:18px 0 14px;max-width:14ch}
.hero h1 .hl{background:var(--grad);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent}
.lede{font-size:1.18rem;color:var(--ink-soft);max-width:60ch;margin-bottom:22px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:46px;align-items:start}

/* trust row */
.trust{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:8px}
.trust li{list-style:none;display:flex;align-items:center;gap:7px;font-size:.9rem;color:var(--ink-soft);font-weight:600}
.trust svg{width:17px;height:17px;color:var(--good);flex:0 0 auto}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:9px;font-weight:700;font-size:1rem;padding:14px 24px;border-radius:13px;border:1px solid transparent;cursor:pointer;transition:transform .12s,box-shadow .2s,background .2s;font-family:var(--sans);text-decoration:none}
.btn:hover{text-decoration:none}
.btn-primary{background:var(--grad);color:#fff;box-shadow:0 8px 24px rgba(106,76,255,.30)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 34px rgba(106,76,255,.38)}
.btn-ghost{background:#fff;color:var(--ink);border-color:var(--line);box-shadow:var(--shadow-sm)}
.btn-ghost:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.btn-block{width:100%;justify-content:center}
.btn-lg{padding:16px 30px;font-size:1.06rem}

/* ---------- Calculator card ---------- */
.calc-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);padding:26px;position:relative}
.calc-card::after{content:"";position:absolute;left:26px;right:26px;top:0;height:4px;background:var(--grad);border-radius:0 0 6px 6px;transform:translateY(-1px)}
.calc-card .ct{display:flex;align-items:center;gap:10px;margin-bottom:6px}
.calc-card .ct h2,.calc-card .ct h3{margin:0;font-size:1.25rem}
.calc-card .ct .ico{width:34px;height:34px;border-radius:10px;background:var(--grad-soft);display:grid;place-items:center;font-size:1.1rem;flex:0 0 auto}
.calc-sub{color:var(--ink-faint);font-size:.92rem;margin:0 0 18px}

.field{margin-bottom:16px}
.field>label{display:block;font-weight:700;font-size:.92rem;margin-bottom:7px;color:var(--ink)}
.field .hint{font-weight:500;color:var(--ink-faint);font-size:.82rem}
.input-wrap{position:relative;display:flex;align-items:center}
.input-wrap .pre{position:absolute;left:14px;color:var(--ink-faint);font-weight:700;pointer-events:none}
.input-wrap.has-pre input,.input-wrap.has-pre select{padding-left:30px}
input[type=number],input[type=text],input[type=date],select{
  width:100%;font-family:var(--sans);font-size:1.02rem;color:var(--ink);
  background:var(--cream);border:1.5px solid var(--line);border-radius:12px;
  padding:13px 14px;transition:border-color .15s,box-shadow .15s,background .15s;-webkit-appearance:none;appearance:none}
select{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%237c7689' stroke-width='3'><path d='M6 9l6 6 6-6'/></svg>");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
input:focus,select:focus{outline:none;border-color:var(--violet);background:#fff;box-shadow:0 0 0 4px rgba(106,76,255,.13)}
.row-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.row-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}

/* segmented / chips */
.seg{display:flex;background:var(--cream-2);border:1px solid var(--line);border-radius:12px;padding:4px;gap:4px}
.seg button{flex:1;border:none;background:transparent;font-family:var(--sans);font-weight:700;font-size:.92rem;color:var(--ink-soft);padding:9px 8px;border-radius:9px;cursor:pointer;transition:.15s}
.seg button[aria-pressed=true]{background:#fff;color:var(--violet-deep);box-shadow:var(--shadow-sm)}

/* ---------- Result panel ---------- */
.result{margin-top:20px;border-radius:var(--r);overflow:hidden;border:1px solid var(--line);display:none}
.result.show{display:block;animation:pop .35s ease}
@keyframes pop{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.result .head{background:var(--ink);color:#fff;padding:18px 22px}
.result .head .big{font-family:var(--serif);font-size:2.1rem;font-weight:600;line-height:1.05;letter-spacing:-.02em}
.result .head .big small{font-size:1rem;opacity:.7;font-family:var(--sans);font-weight:600}
.result .head .lab{font-size:.85rem;text-transform:uppercase;letter-spacing:.06em;opacity:.72;font-weight:700;margin-bottom:4px}
.result .body{background:#fff;padding:18px 22px}
.breakdown{list-style:none;margin:0;padding:0}
.breakdown li{display:flex;justify-content:space-between;gap:14px;padding:9px 0;border-bottom:1px dashed var(--line);font-size:.97rem}
.breakdown li:last-child{border-bottom:none}
.breakdown li .v{font-weight:700;font-variant-numeric:tabular-nums}
.breakdown li.tot{font-weight:800;border-top:2px solid var(--ink);margin-top:4px;padding-top:12px;border-bottom:none}
.breakdown li.tot .v{color:var(--violet-deep)}
.pill{display:inline-block;font-size:.78rem;font-weight:700;padding:3px 10px;border-radius:999px}
.pill.good{background:var(--good-bg);color:var(--good)}
.pill.warn{background:var(--warn-bg);color:var(--warn)}

.note{font-size:.86rem;color:var(--ink-faint);margin-top:14px;display:flex;gap:8px;align-items:flex-start}
.note svg{width:16px;height:16px;flex:0 0 auto;margin-top:2px;color:var(--warn)}

/* ---------- Sections ---------- */
section{padding:54px 0}
.sec-head{text-align:center;max-width:640px;margin:0 auto 38px}
.sec-head .eyebrow{margin-bottom:14px}
.sec-head p{color:var(--ink-soft);font-size:1.06rem}

/* category grid */
.cat-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(255px,1fr));gap:18px}
.cat{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--shadow-sm);transition:transform .15s,box-shadow .2s,border-color .2s;position:relative;overflow:hidden}
.cat:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:#dccfb8;text-decoration:none}
.cat .ico{width:46px;height:46px;border-radius:13px;background:var(--grad-soft);display:grid;place-items:center;font-size:1.45rem;margin-bottom:13px}
.cat h3{font-size:1.12rem;margin-bottom:5px;color:var(--ink)}
.cat p{font-size:.92rem;color:var(--ink-soft);margin:0}
.cat .go{margin-top:12px;font-weight:700;font-size:.9rem;color:var(--violet-deep);display:inline-flex;align-items:center;gap:5px}
.cat .tag{position:absolute;top:16px;right:16px;font-size:.68rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;color:var(--coral-deep);background:#fff1ee;padding:3px 8px;border-radius:6px}

/* ---------- Content prose ---------- */
.prose{font-size:1.05rem;color:var(--ink-soft)}
.prose h2{margin-top:1.6em;color:var(--ink)}
.prose h3{margin-top:1.3em;color:var(--ink)}
.prose p,.prose li{color:var(--ink-soft)}
.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.2em}
.prose li{margin-bottom:.5em}
.prose strong{color:var(--ink)}
.prose a{font-weight:600;border-bottom:1px solid rgba(106,76,255,.3)}
.prose blockquote{border-left:4px solid var(--coral);background:#fff;padding:14px 20px;border-radius:0 12px 12px 0;margin:1.4em 0;box-shadow:var(--shadow-sm)}
.prose blockquote p:last-child{margin:0}

/* data table */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-sm);margin:1.4em 0;background:#fff}
table{width:100%;border-collapse:collapse;font-size:.96rem;min-width:420px}
thead th{background:var(--cream-2);text-align:left;font-weight:700;padding:13px 16px;color:var(--ink);font-size:.88rem;text-transform:uppercase;letter-spacing:.03em}
tbody td{padding:12px 16px;border-top:1px solid var(--line);color:var(--ink-soft)}
tbody tr:nth-child(even){background:#fdfaf4}
tbody td:first-child{font-weight:600;color:var(--ink)}

/* callout */
.callout{background:var(--grad-soft);border:1px solid #e3dafc;border-radius:var(--r);padding:20px 22px;margin:1.5em 0}
.callout .t{font-weight:800;color:var(--violet-deep);margin-bottom:6px;display:flex;align-items:center;gap:8px}
.callout p:last-child{margin:0}

/* ---------- FAQ ---------- */
.faq{max-width:780px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin-bottom:12px;box-shadow:var(--shadow-sm);overflow:hidden}
.faq summary{cursor:pointer;padding:18px 22px;font-weight:700;font-size:1.04rem;color:var(--ink);list-style:none;display:flex;justify-content:space-between;align-items:center;gap:14px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--violet);font-weight:400;transition:transform .2s;flex:0 0 auto}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .a{padding:0 22px 20px;color:var(--ink-soft);font-size:1rem}
.faq .a p:last-child{margin:0}

/* ---------- Author / E-E-A-T ---------- */
.author{display:flex;gap:18px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px 22px;box-shadow:var(--shadow-sm);margin:1.5em 0}
.author .pfp{width:64px;height:64px;border-radius:50%;background:var(--grad);display:grid;place-items:center;color:#fff;font-family:var(--serif);font-size:1.5rem;font-weight:600;flex:0 0 auto}
.author .n{font-weight:800;color:var(--ink)}
.author .r{font-size:.9rem;color:var(--ink-faint);margin:2px 0 6px}
.author p{font-size:.92rem;margin:0;color:var(--ink-soft)}

/* breadcrumb */
.crumbs{font-size:.86rem;color:var(--ink-faint);padding:18px 0 0}
.crumbs a{color:var(--ink-faint);font-weight:600}
.crumbs a:hover{color:var(--violet-deep)}
.crumbs span{margin:0 7px;opacity:.5}

/* page hero (interior) */
.page-hero{position:relative;padding:26px 0 30px;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(640px 320px at 88% -20%,rgba(106,76,255,.12),transparent 60%),radial-gradient(520px 300px at -4% 0%,rgba(255,90,95,.10),transparent 60%);z-index:0}
.page-hero .wrap{position:relative;z-index:1}
.page-hero h1{margin:10px 0 12px;max-width:18ch}
.page-hero .lede{margin-bottom:0;font-size:1.1rem}

/* layout: calc + sidebar */
.layout{display:grid;grid-template-columns:1.55fr 1fr;gap:36px;align-items:start}
.aside-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px 22px;box-shadow:var(--shadow-sm);margin-bottom:18px}
.aside-card h3{font-size:1.05rem;margin-bottom:10px}
.aside-card ul{list-style:none;padding:0;margin:0}
.aside-card li{padding:7px 0;border-bottom:1px dashed var(--line);font-size:.95rem}
.aside-card li:last-child{border-bottom:none}
.aside-card .key{display:flex;justify-content:space-between;gap:10px}
.aside-card .key .v{font-weight:700;color:var(--ink)}
.related a{display:block;padding:9px 0;border-bottom:1px dashed var(--line);font-weight:600;color:var(--ink-soft)}
.related a:last-child{border-bottom:none}
.related a:hover{color:var(--violet-deep);text-decoration:none}

/* ad slot wrapper (visual placeholder spacing only — no real ads) */
.ad-rail{margin:18px 0}

/* ---------- Footer ---------- */
.site-foot{background:var(--ink);color:#cdc7d8;padding:54px 0 28px;margin-top:40px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;margin-bottom:34px}
.site-foot h4{color:#fff;font-family:var(--sans);font-size:.82rem;text-transform:uppercase;letter-spacing:.08em;margin:0 0 14px}
.site-foot a{color:#cdc7d8;display:block;padding:5px 0;font-size:.94rem}
.site-foot a:hover{color:#fff;text-decoration:none}
.foot-brand .brand{color:#fff}
.foot-brand p{font-size:.92rem;color:#9d96ad;max-width:34ch;margin-top:12px}
.foot-bot{border-top:1px solid #322c44;padding-top:22px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.86rem;color:#9d96ad}
.foot-disc{font-size:.82rem;color:#827b94;margin-top:14px;line-height:1.6}

/* ---------- Responsive ---------- */
@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:34px}
  .layout{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:680px){
  body{font-size:16px}
  .nav{display:none;position:absolute;top:68px;left:0;right:0;background:var(--cream);flex-direction:column;align-items:stretch;padding:12px 18px 18px;border-bottom:1px solid var(--line);box-shadow:var(--shadow-md)}
  .nav.open{display:flex}
  .nav a{padding:12px 14px}
  .menu-btn{display:flex}
  .row-2,.row-3{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr;gap:24px}
  section{padding:42px 0}
  .hero{padding:42px 0 36px}
  .calc-card{padding:20px}
  .calc-card::after{left:20px;right:20px}
}
@media (max-width:430px){.foot-grid{grid-template-columns:1fr}}

/* print + reduced motion */
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}