/* =========================================================
   FinancialAdvisor.co.uk — design system
   ========================================================= */

:root {
  --navy-900: #0a1f2d;
  --navy-800: #0e2a3a;
  --navy-700: #143548;
  --navy-100: #e3ecf1;
  --teal-600: #0d8f8f;
  --teal-500: #11a3a3;
  --teal-100: #dcf3f3;
  --amber-500: #e8a13d;
  --amber-100: #fbf0dd;
  --ink: #1f2d38;
  --ink-muted: #546571;
  --line: #dde6eb;
  --bg: #f6f9fa;
  --card: #ffffff;
  --danger: #c0452c;
  --good: #1d7a4f;
  --radius: 12px;
  --radius-lg: 18px;
  --shadow: 0 1px 2px rgba(10, 31, 45, 0.06), 0 8px 24px rgba(10, 31, 45, 0.07);
  --shadow-sm: 0 1px 3px rgba(10, 31, 45, 0.08);
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue",
    Arial, sans-serif;
  --max: 1120px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; }

a { color: var(--teal-600); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 {
  color: var(--navy-800);
  line-height: 1.22;
  letter-spacing: -0.015em;
  margin: 0 0 0.5em;
}
h1 { font-size: clamp(2rem, 4.5vw, 2.9rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 750; }
h3 { font-size: 1.22rem; font-weight: 700; }

p { margin: 0 0 1.1em; }

.container {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 22px;
}

.narrow { max-width: 780px; }

/* ---------- compliance notice bar ---------- */

.notice-bar {
  background: var(--navy-900);
  color: #cfdde6;
  font-size: 0.84rem;
  text-align: center;
  padding: 8px 16px;
  line-height: 1.45;
}
.notice-bar strong { color: #fff; font-weight: 650; }
.notice-bar a { color: #7fd6d6; text-decoration: underline; }

/* ---------- header / nav ---------- */

.site-header {
  background: #fff;
  border-bottom: 1px solid var(--line);
  position: sticky;
  top: 0;
  z-index: 50;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  height: 68px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.13rem;
  color: var(--navy-800);
  text-decoration: none;
  letter-spacing: -0.01em;
  white-space: nowrap;
}
.brand:hover { text-decoration: none; }
.brand .logo-mark {
  width: 34px; height: 34px; flex: none;
  display: inline-flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, var(--navy-800), var(--teal-600));
  color: #fff; border-radius: 9px; font-size: 1rem; font-weight: 800;
}
.brand .tld { color: var(--teal-600); }

.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav a {
  color: var(--ink);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 9px 13px;
  border-radius: 8px;
}
.main-nav a:hover { background: var(--navy-100); text-decoration: none; }
.main-nav a.active { color: var(--teal-600); }
.main-nav a.nav-cta {
  background: var(--navy-800);
  color: #fff;
  margin-left: 6px;
}
.main-nav a.nav-cta:hover { background: var(--navy-700); }

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 8px 10px;
  cursor: pointer;
  color: var(--navy-800);
}

@media (max-width: 900px) {
  .nav-toggle { display: inline-flex; }
  .main-nav {
    display: none;
    position: absolute;
    top: 68px; left: 0; right: 0;
    background: #fff;
    border-bottom: 1px solid var(--line);
    flex-direction: column;
    align-items: stretch;
    padding: 10px 16px 16px;
    box-shadow: var(--shadow);
  }
  .main-nav.open { display: flex; }
  .main-nav a { padding: 12px 10px; }
  .main-nav a.nav-cta { margin: 8px 0 0; text-align: center; }
}

/* ---------- hero ---------- */

.hero {
  background:
    radial-gradient(900px 420px at 85% -10%, rgba(17, 163, 163, 0.22), transparent 60%),
    radial-gradient(700px 380px at -10% 110%, rgba(232, 161, 61, 0.13), transparent 55%),
    var(--navy-800);
  color: #e8f0f4;
  padding: 78px 0 84px;
}
.hero h1 { color: #fff; max-width: 720px; }
.hero .lede {
  font-size: 1.18rem;
  color: #c4d4dd;
  max-width: 640px;
  margin-bottom: 1.8em;
}
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
.hero-badge {
  font-size: 0.82rem;
  font-weight: 600;
  color: #bfe9e9;
  border: 1px solid rgba(127, 214, 214, 0.4);
  border-radius: 999px;
  padding: 6px 14px;
}

/* ---------- buttons ---------- */

.btn {
  display: inline-block;
  font-weight: 700;
  font-size: 0.98rem;
  padding: 13px 24px;
  border-radius: 10px;
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: transform 0.06s ease, background 0.15s ease;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: var(--teal-500); color: #fff; }
.btn-primary:hover { background: var(--teal-600); }
.btn-ghost {
  background: transparent;
  color: #fff;
  border: 1.5px solid rgba(255, 255, 255, 0.45);
}
.btn-ghost:hover { border-color: #fff; }
.btn-navy { background: var(--navy-800); color: #fff; }
.btn-navy:hover { background: var(--navy-700); }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; }

/* ---------- sections ---------- */

.section { padding: 64px 0; }
.section.alt { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 700px; margin-bottom: 38px; }
.section-head .kicker {
  text-transform: uppercase;
  letter-spacing: 0.09em;
  font-size: 0.78rem;
  font-weight: 750;
  color: var(--teal-600);
  margin-bottom: 8px;
}
.section-head p { color: var(--ink-muted); }

/* ---------- cards ---------- */

.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 22px;
}

.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}
a.card { color: var(--ink); transition: box-shadow 0.15s ease, transform 0.1s ease; }
a.card:hover { text-decoration: none; box-shadow: var(--shadow); transform: translateY(-2px); }
.card h3 { margin-bottom: 8px; }
.card p { color: var(--ink-muted); font-size: 0.95rem; margin-bottom: 0; }
.card .card-cta {
  margin-top: auto;
  padding-top: 16px;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--teal-600);
}

.card-icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: var(--teal-100);
  color: var(--teal-600);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 16px;
}

.tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 750;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--teal-600);
  background: var(--teal-100);
  border-radius: 6px;
  padding: 3px 9px;
  margin-bottom: 12px;
  align-self: flex-start;
}
.tag.amber { color: #9a6314; background: var(--amber-100); }

/* ---------- info / warning boxes ---------- */

.box {
  border-radius: var(--radius);
  padding: 20px 24px;
  margin: 26px 0;
  font-size: 0.95rem;
}
.box p:last-child, .box ul:last-child { margin-bottom: 0; }
.box-info { background: var(--teal-100); border: 1px solid #b8e4e4; }
.box-warn { background: var(--amber-100); border: 1px solid #efd5a8; }
.box-rule { background: var(--navy-100); border: 1px solid #c8d8e1; }
.box h3, .box h4 { margin-top: 0; }

/* ---------- article / guide layout ---------- */

.article-header {
  background: #fff;
  border-bottom: 1px solid var(--line);
  padding: 52px 0 40px;
}
.article-header .crumbs {
  font-size: 0.85rem;
  color: var(--ink-muted);
  margin-bottom: 14px;
}
.article-header .meta { color: var(--ink-muted); font-size: 0.9rem; }
.article-header h1 { max-width: 820px; }
.article-header .standfirst {
  font-size: 1.15rem;
  color: var(--ink-muted);
  max-width: 760px;
  margin-top: 10px;
}

.article-body { padding: 48px 0 30px; }
.article-body .container { max-width: 780px; }
.article-body h2 { margin-top: 1.8em; }
.article-body h3 { margin-top: 1.5em; }
.article-body ul, .article-body ol { padding-left: 24px; margin: 0 0 1.2em; }
.article-body li { margin-bottom: 0.45em; }
.article-body table { width: 100%; border-collapse: collapse; margin: 1.4em 0; font-size: 0.93rem; }
.article-body th, .article-body td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--line); }
.article-body th { background: var(--navy-100); color: var(--navy-800); font-weight: 700; }

/* ---------- calculators ---------- */

.calc-layout {
  display: grid;
  grid-template-columns: minmax(300px, 420px) 1fr;
  gap: 30px;
  align-items: start;
}
@media (max-width: 860px) { .calc-layout { grid-template-columns: 1fr; } }

.calc-panel {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}

.calc-panel h2 { font-size: 1.15rem; margin-bottom: 18px; }

.field { margin-bottom: 18px; }
.field label {
  display: block;
  font-weight: 650;
  font-size: 0.88rem;
  margin-bottom: 6px;
  color: var(--navy-800);
}
.field .hint { font-weight: 400; color: var(--ink-muted); }
.field input[type="number"], .field select {
  width: 100%;
  font: inherit;
  font-size: 1rem;
  padding: 11px 13px;
  border: 1.5px solid var(--line);
  border-radius: 9px;
  background: #fbfdfe;
  color: var(--ink);
}
.field input:focus, .field select:focus {
  outline: none;
  border-color: var(--teal-500);
  background: #fff;
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }

.results-panel {
  background: var(--navy-800);
  color: #dbe7ee;
  border-radius: var(--radius-lg);
  padding: 30px;
}
.results-panel h2 { color: #fff; font-size: 1.15rem; margin-bottom: 20px; }

.result-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 18px; margin-bottom: 22px; }
.result-stat .stat-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #8fa8b6; margin-bottom: 4px; }
.result-stat .stat-value { font-size: 1.65rem; font-weight: 800; color: #fff; letter-spacing: -0.02em; }
.result-stat .stat-value.accent { color: #7fd6d6; }
.result-stat .stat-value.warn { color: #f2c068; }
.result-note { font-size: 0.85rem; color: #9db3bf; border-top: 1px solid rgba(255,255,255,0.14); padding-top: 16px; margin-bottom: 0; }

.calc-chart { width: 100%; height: 220px; margin: 4px 0 18px; }

.assumptions { font-size: 0.9rem; color: var(--ink-muted); }
.assumptions ul { padding-left: 22px; }

/* ---------- checklist ---------- */

.check-list { list-style: none; padding: 0; margin: 0 0 1.4em; }
.check-list li {
  padding: 14px 16px 14px 46px;
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
  margin-bottom: 10px;
}
.check-list li::before {
  content: "✓";
  position: absolute;
  left: 15px; top: 13px;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--teal-100);
  color: var(--teal-600);
  font-weight: 800;
  font-size: 0.8rem;
  display: flex; align-items: center; justify-content: center;
}
.check-list.flags li::before { content: "!"; background: #f8e3dc; color: var(--danger); }

.step-list { counter-reset: step; list-style: none; padding: 0; margin: 0 0 1.4em; }
.step-list li {
  counter-increment: step;
  padding: 18px 20px 18px 64px;
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  margin-bottom: 12px;
}
.step-list li::before {
  content: counter(step);
  position: absolute;
  left: 18px; top: 18px;
  width: 30px; height: 30px;
  border-radius: 50%;
  background: var(--navy-800);
  color: #fff;
  font-weight: 800;
  font-size: 0.9rem;
  display: flex; align-items: center; justify-content: center;
}
.step-list li strong:first-child { display: block; color: var(--navy-800); margin-bottom: 2px; }

/* ---------- video cards ---------- */

.video-card .thumb {
  aspect-ratio: 16 / 9;
  border-radius: 9px;
  background: linear-gradient(135deg, var(--navy-800), var(--navy-700) 55%, var(--teal-600));
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
  color: rgba(255, 255, 255, 0.92);
}
.video-card .thumb .play {
  width: 52px; height: 52px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.16);
  border: 1.5px solid rgba(255, 255, 255, 0.55);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.15rem;
  padding-left: 4px;
}

/* ---------- newsletter ---------- */

.newsletter {
  background: var(--navy-800);
  border-radius: var(--radius-lg);
  color: #d6e3ea;
  padding: 44px;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 36px;
  align-items: center;
}
@media (max-width: 760px) { .newsletter { grid-template-columns: 1fr; padding: 32px 26px; } }
.newsletter h2 { color: #fff; }
.newsletter p { margin-bottom: 0; font-size: 0.96rem; }
.newsletter form { display: flex; gap: 10px; flex-wrap: wrap; }
.newsletter input[type="email"] {
  flex: 1 1 220px;
  font: inherit;
  padding: 13px 15px;
  border-radius: 10px;
  border: none;
}
.newsletter .form-note { font-size: 0.78rem; color: #8fa8b6; margin-top: 10px; }
.newsletter .form-success { color: #7fd6d6; font-weight: 700; }

/* ---------- footer ---------- */

.site-footer {
  background: var(--navy-900);
  color: #9db3bf;
  margin-top: 70px;
  padding: 56px 0 36px;
  font-size: 0.9rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 36px;
  margin-bottom: 40px;
}
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer h4 {
  color: #fff;
  font-size: 0.86rem;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  margin-bottom: 14px;
}
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 9px; }
.site-footer a { color: #b9cad4; }
.site-footer a:hover { color: #fff; }
.footer-brand { color: #fff; font-weight: 800; font-size: 1.05rem; margin-bottom: 12px; }
.footer-brand .tld { color: #7fd6d6; }

.footer-disclaimer {
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--radius);
  padding: 22px 26px;
  font-size: 0.82rem;
  line-height: 1.6;
  color: #8fa3b0;
  margin-bottom: 28px;
}
.footer-disclaimer strong { color: #d6e3ea; }
.footer-disclaimer a { text-decoration: underline; }

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  justify-content: space-between;
  font-size: 0.8rem;
  color: #71889a;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 22px;
}

/* ---------- misc ---------- */

.page-header {
  background: #fff;
  border-bottom: 1px solid var(--line);
  padding: 54px 0 44px;
}
.page-header p { color: var(--ink-muted); max-width: 700px; margin-bottom: 0; font-size: 1.1rem; }

.inline-disclaimer {
  font-size: 0.84rem;
  color: var(--ink-muted);
  background: #fff;
  border: 1px dashed var(--line);
  border-radius: 10px;
  padding: 14px 18px;
  margin: 30px 0 0;
}

.faq-item {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
}
.faq-item summary {
  cursor: pointer;
  font-weight: 700;
  padding: 18px 22px;
  color: var(--navy-800);
  list-style: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; float: right; color: var(--teal-600); font-size: 1.2rem; }
.faq-item[open] summary::after { content: "–"; }
.faq-item .faq-body { padding: 0 22px 18px; color: var(--ink-muted); font-size: 0.95rem; }

.stat-band { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 22px; }
.stat-band .band-stat { text-align: center; padding: 10px; }
.stat-band .n { font-size: 2.1rem; font-weight: 800; color: var(--navy-800); letter-spacing: -0.02em; }
.stat-band .l { font-size: 0.88rem; color: var(--ink-muted); }