/* ==========================================================================
   Silver Money — shared stylesheet (mobile-first)
   --------------------------------------------------------------------------
   1. Fonts
   2. Global CSS (agency base: variables, reset, .containerBox, .col grid, utilities, #button)
   3. Base typography & accessibility
   4. Buttons, links, badges
   5. Header & navigation
   6. Footer
   7. Page sections & heroes
   8. Cards & grids
   9. Feature components (factors, learn panel, price anatomy, steps)
   10. Tables
   11. Forms
   12. FAQ accordion
   13. Learning centre (search, filters, guides, tools)
   14. Chart component
   15. Legal / prose pages, 404
   16. Motion & print
   ========================================================================== */

/* ---------- 1. Fonts (self-hosted, SIL Open Font License) ---------- */
@font-face { font-family: "Inter"; font-style: normal; font-weight: 400; font-display: swap; src: url("../fonts/inter-latin-400-normal.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-style: normal; font-weight: 500; font-display: swap; src: url("../fonts/inter-latin-500-normal.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-style: normal; font-weight: 600; font-display: swap; src: url("../fonts/inter-latin-600-normal.woff2") format("woff2"); }
@font-face { font-family: "Inter"; font-style: normal; font-weight: 700; font-display: swap; src: url("../fonts/inter-latin-700-normal.woff2") format("woff2"); }
@font-face { font-family: "Manrope"; font-style: normal; font-weight: 600; font-display: swap; src: url("../fonts/manrope-latin-600-normal.woff2") format("woff2"); }
@font-face { font-family: "Manrope"; font-style: normal; font-weight: 700; font-display: swap; src: url("../fonts/manrope-latin-700-normal.woff2") format("woff2"); }
@font-face { font-family: "Manrope"; font-style: normal; font-weight: 800; font-display: swap; src: url("../fonts/manrope-latin-800-normal.woff2") format("woff2"); }

/* ---------- 2. Global CSS ----------
   Based on the agency global stylesheet. Changes for this project:
   - Variables: Silver Money palette; --m-gold-color replaced by --m-silver-color
   - Grid is mobile-first: columns are 100% wide by default and take their
     set widths from 768px (tablet) / 1024px (desktop)
   - Sections no longer float (keeps the sticky header and page flow reliable)
   - line-height is set once on body instead of on every element (*)
   - li keeps display:list-item so content lists show bullets
   - #button uses a CSS chevron instead of FontAwesome (no icon font needed)  */
:root {
  --font-family: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-heading: "Manrope", "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-size: 17px;
  --font-ssmall: 14px;
  --line-height: 1.65;
  --size-10: 10px;
  --size-15: 15px;
  --size-20: 20px;
  --size-25: 25px;
  --m-white-color: #FFFFFF;
  --m-black-color: #000000;
  --m-dblue-color: #14283F;   /* Deep Navy */
  --m-silver-color: #BFC6CE;  /* Silver */
  --m-charcoal-color: #292D32;/* Charcoal */
  --m-ice-color: #EAF1F6;     /* Ice Blue */
  --m-light-color: #F6F7F9;   /* Light Neutral */
  --b-lgray-color: #6B7581;   /* placeholders */
  --d-green-color: #14283F;   /* back-to-top button (name kept from global) */
}

* { margin: 0; padding: 0; -webkit-box-sizing: border-box; box-sizing: border-box; }
html { overflow-x: hidden; scroll-behavior: smooth; -webkit-text-size-adjust: 100%; text-size-adjust: 100%; }
body { font-size: var(--font-size); font-family: var(--font-family); line-height: var(--line-height); background: #fff; color: var(--m-charcoal-color); font-weight: 400; }

section { width: 100%; position: relative; }
header, .homeBanner, .innerBannerBox, footer { width: 100%; }

a { text-decoration: none; outline: none; -webkit-transition: .3s; -o-transition: .3s; transition: .3s; }
img { max-width: 100%; }
p, ul, ol { margin-bottom: 10px; color: inherit; }
small { font-size: var(--font-ssmall); }
ul { padding-left: 40px; }
strong { font-family: inherit; }
html, button, input, select, textarea { font-family: var(--font-family); font-size: var(--font-size); line-height: var(--line-height); }
div, ul, ol { display: block; }
input[type=submit], button { outline: none; cursor: pointer; -webkit-appearance: none; -moz-appearance: none; appearance: none; }

/* container & column (mobile-first) */
.containerBox { width: 100%; max-width: 1215px; margin: 0 auto; padding: 0; position: relative; display: -webkit-box; display: -ms-flexbox; display: flex; -ms-flex-wrap: wrap; flex-wrap: wrap; }
.containerFull { max-width: 100%; width: 100%; padding: 0; display: flex; }
.rowBox { width: 100%; display: -webkit-box; display: -ms-flexbox; display: flex; -ms-flex-wrap: wrap; flex-wrap: wrap; }
.col1, .col2, .col20, .col3, .col4, .col5, .col6, .col7, .col8, .col9, .col10, .col11, .col12 { width: 100%; padding: 0 15px; }
@media (min-width: 768px) {
  .col3, .col4, .col6, .col20 { width: 50%; }
}
@media (min-width: 1024px) {
  .col1 { width: 8.33333333%; } .col2 { width: 16.66666667%; } .col20 { width: 20%; } .col3 { width: 25%; }
  .col4 { width: 33.33333333%; } .col5 { width: 41.66666667%; } .col6 { width: 50%; } .col7 { width: 58.33333333%; }
  .col8 { width: 66.66666667%; } .col9 { width: 75%; } .col10 { width: 83.33333333%; } .col11 { width: 91.66666667%; }
}
/* End container & column */

/* placeholder */
::-webkit-input-placeholder { color: var(--b-lgray-color); }
::-moz-placeholder { color: var(--b-lgray-color); opacity: 1; }
:-ms-input-placeholder { color: var(--b-lgray-color); }
::placeholder { color: var(--b-lgray-color); }

/* heading */
h1, h2, h3, h4, h5, h6 { font-family: var(--font-heading); line-height: 1.2; }

/* display */
[hidden] { display: none !important; }
.dnone { display: none !important; }

/* margin */
.m0 { margin: 0 !important; } .mt0 { margin-top: 0 !important; } .mb0 { margin-bottom: 0 !important; } .ml0 { margin-left: 0 !important; } .mr0 { margin-right: 0 !important; }
.mt10 { margin-top: 10px !important; } .mt15 { margin-top: 15px !important; } .mt20 { margin-top: 20px !important; } .mt30 { margin-top: 30px !important; } .mt40 { margin-top: 40px !important; } .mt50 { margin-top: 50px !important; } .mt60 { margin-top: 60px !important; }
.mb10 { margin-bottom: 10px !important; } .mb15 { margin-bottom: 15px !important; } .mb20 { margin-bottom: 20px !important; } .mb30 { margin-bottom: 30px !important; } .mb40 { margin-bottom: 40px !important; } .mb50 { margin-bottom: 50px !important; } .mb60 { margin-bottom: 60px !important; }

/* padding */
.p0 { padding: 0 !important; } .pt0 { padding-top: 0 !important; } .pb0 { padding-bottom: 0 !important; } .pl0 { padding-left: 0 !important; } .pr0 { padding-right: 0 !important; }
.pt10 { padding-top: 10px !important; } .pt20 { padding-top: 20px !important; } .pt30 { padding-top: 30px !important; } .pt40 { padding-top: 40px !important; } .pt50 { padding-top: 50px !important; } .pt60 { padding-top: 60px !important; }
.pb10 { padding-bottom: 10px !important; } .pb20 { padding-bottom: 20px !important; } .pb30 { padding-bottom: 30px !important; } .pb40 { padding-bottom: 40px !important; } .pb50 { padding-bottom: 50px !important; } .pb60 { padding-bottom: 60px !important; }

/* flex */
.dflex { display: flex; }
.fwrap { flex-wrap: wrap; }
.faistart { align-items: flex-start; }
.faicenter { align-items: center; }
.faiend { align-items: flex-end; }
.fjcstart { justify-content: flex-start; }
.fjccenter { justify-content: center; }
.fjcend { justify-content: flex-end; }
.fjcsb { justify-content: space-between; }
.rowreverse { flex-direction: row-reverse; }

/* text align */
.text-left { text-align: left; } .text-center { text-align: center; } .text-right { text-align: right; }

/* background color */
.bg-white { background: var(--m-white-color); }
.bg-dblue { background: var(--m-dblue-color); }
.bg-silver { background: var(--m-silver-color); }
.bg-ice { background: var(--m-ice-color); }
.bg-light { background: var(--m-light-color); }

/* width */
.w315 { max-width: 315px; } .w260 { max-width: 260px; } .w380 { max-width: 380px; }

/* bg img */
.bgimg { position: absolute; top: 0; left: 0; width: 100%; height: 100%; object-fit: cover; }
.opcity1 { opacity: .1; } .opcity2 { opacity: .2; } .opcity3 { opacity: .3; } .opcity4 { opacity: .4; } .opcity5 { opacity: .5; }
.opcity6 { opacity: .6; } .opcity7 { opacity: .7; } .opcity8 { opacity: .8; } .opcity9 { opacity: .9; } .opcity10 { opacity: 1; }

/* Top scroll */
#button {
  display: inline-flex; align-items: center; justify-content: center;
  background-color: var(--d-green-color); width: 46px; height: 46px; border: 1px solid rgba(255,255,255,.25); border-radius: 8px;
  position: fixed; bottom: 24px; right: 20px; z-index: 60; cursor: pointer;
  -webkit-transition: background-color .3s, opacity .4s, visibility .4s, transform .3s; transition: background-color .3s, opacity .4s, visibility .4s, transform .3s;
  opacity: 0; visibility: hidden; box-shadow: 0 6px 18px rgba(20, 40, 63, .25);
}
#button:hover { background: #24476D; -webkit-transform: scale(1.04); transform: scale(1.04); }
#button.show { opacity: 1; visibility: visible; }
#button::after { content: ""; width: 10px; height: 10px; margin-top: 5px; border-top: 2.5px solid #fff; border-left: 2.5px solid #fff; -webkit-transform: rotate(45deg); transform: rotate(45deg); }
@media (min-width: 768px) { #button { right: 30px; bottom: 40px; } }
/* End Global css */

/* ---------- 3. Base typography & accessibility ---------- */
:root {
  --navy: #14283F;
  --navy-800: #1C3653;
  --navy-700: #24466B;
  --silver: #BFC6CE;
  --silver-600: #8F99A4;
  --silver-200: #DDE2E7;
  --charcoal: #292D32;
  --muted: #4F5966;
  --ice: #EAF1F6;
  --light: #F6F7F9;
  --white: #FFFFFF;
  --warn-bg: #FBF6EA; --warn-border: #E7D6A8; --warn-text: #5C4A12;
  --error: #A8261B; --error-bg: #FCF1EF; --success: #1E6B3A; --success-bg: #EDF7F0;

  --fs-display: clamp(2.1rem, 1.45rem + 3vw, 3.6rem);
  --fs-h1: clamp(1.95rem, 1.45rem + 2.2vw, 3rem);
  --fs-h2: clamp(1.55rem, 1.25rem + 1.3vw, 2.25rem);
  --fs-h3: clamp(1.15rem, 1.07rem + .35vw, 1.35rem);
  --fs-lead: clamp(1.07rem, 1rem + .35vw, 1.25rem);

  --gutter: 15px;
  --radius: 14px;
  --radius-sm: 8px;
  --header-h: 72px;
  --section-y: clamp(56px, 4vw + 36px, 104px);
  --shadow-sm: 0 1px 2px rgba(20, 40, 63, .05), 0 2px 10px rgba(20, 40, 63, .05);
  --shadow-md: 0 10px 30px rgba(20, 40, 63, .10);
  --ease: cubic-bezier(.2, .7, .2, 1);
  --measure: 68ch;
}
@media (min-width: 1200px) { :root { --header-h: 80px; } }

html { scroll-padding-top: calc(var(--header-h) + 20px); }
body { -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; overflow-x: hidden; }
@supports (overflow: clip) { body { overflow-x: clip; } }
img, svg { display: block; height: auto; }
h1, h2, h3, h4 { color: var(--navy); font-weight: 700; letter-spacing: -0.015em; margin: 0 0 .55em; }
h1 { font-size: var(--fs-h1); font-weight: 800; letter-spacing: -0.025em; }
h2 { font-size: var(--fs-h2); }
h3 { font-size: var(--fs-h3); }
h4 { font-size: 1.05rem; }
p { margin: 0 0 1em; }
a { color: var(--navy); }
a:hover { color: var(--navy-700); }
.num, .tabular { font-variant-numeric: tabular-nums; }
::selection { background: var(--ice); color: var(--navy); }

:focus { outline: none; }
:focus-visible { outline: 3px solid var(--navy-700); outline-offset: 3px; border-radius: 4px; }
.on-dark :focus-visible, .site-header :focus-visible, .site-footer :focus-visible, .cta-band :focus-visible { outline-color: var(--silver); }

.skip-link {
  position: absolute; left: 16px; top: -120px; z-index: 1000; padding: 12px 18px; border-radius: var(--radius-sm);
  background: var(--white); color: var(--navy); font-weight: 600; box-shadow: var(--shadow-md);
}
.skip-link:focus { top: 12px; }
.sr-only { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.wrap { padding: 0 var(--gutter); width: 100%; }
.measure { max-width: var(--measure); }
.lead { font-size: var(--fs-lead); color: var(--charcoal); }
.muted { color: var(--muted); }
.small { font-size: .9rem; }

/* ---------- 4. Buttons, links, badges ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 48px; padding: 12px 24px;
  border: 2px solid transparent; border-radius: 10px; font-family: var(--font-family); font-weight: 600; font-size: 1rem; line-height: 1.2;
  text-align: center; cursor: pointer; -webkit-transition: background .2s, color .2s, border-color .2s, transform .2s, box-shadow .2s; transition: background .2s, color .2s, border-color .2s, transform .2s, box-shadow .2s;
}
.btn svg { width: 18px; height: 18px; flex: none; -webkit-transition: transform .2s var(--ease); transition: transform .2s var(--ease); }
.btn:hover svg { -webkit-transform: translateX(3px); transform: translateX(3px); }
.btn-primary { background: var(--navy); color: var(--white); }
.btn-primary:hover { background: var(--navy-700); color: var(--white); box-shadow: 0 6px 16px rgba(20, 40, 63, .18); -webkit-transform: translateY(-1px); transform: translateY(-1px); }
.btn-secondary { background: var(--white); color: var(--navy); border-color: var(--navy); }
.btn-secondary:hover { background: var(--ice); color: var(--navy); }
.btn-light { background: var(--white); color: var(--navy); }
.btn-light:hover { background: var(--ice); color: var(--navy); -webkit-transform: translateY(-1px); transform: translateY(-1px); }
.btn-outline-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,.6); }
.btn-outline-light:hover { background: rgba(255,255,255,.1); color: var(--white); border-color: var(--white); }
.btn-sm { min-height: 44px; padding: 9px 18px; font-size: .95rem; }
.btn[disabled], .btn[aria-busy="true"] { opacity: .65; cursor: progress; transform: none; box-shadow: none; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }

.text-link { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; color: var(--navy); border-bottom: 1px solid var(--silver); padding-bottom: 1px; }
.text-link svg { width: 16px; height: 16px; flex: none; -webkit-transition: transform .2s var(--ease); transition: transform .2s var(--ease); }
.text-link:hover { color: var(--navy-700); border-color: var(--navy); }
.text-link:hover svg { -webkit-transform: translateX(3px); transform: translateX(3px); }
.prose a, .guide a, .faq-answer a, .note a, .disclaimer a, .content-link { text-decoration: underline; text-decoration-color: var(--silver-600); text-underline-offset: 3px; }
.prose a:hover, .guide a:hover, .faq-answer a:hover, .note a:hover, .content-link:hover { text-decoration-color: var(--navy); }

.eyebrow {
  display: inline-flex; align-items: center; gap: 10px; margin-bottom: 14px;
  font-family: var(--font-family); font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--navy-700);
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--silver-600); }
.on-dark .eyebrow { color: var(--silver); }
.on-dark .eyebrow::before { background: var(--silver); }

.badge {
  display: inline-flex; align-items: center; gap: 6px; padding: 3px 10px; border-radius: 999px;
  font-size: .76rem; font-weight: 600; letter-spacing: .02em; line-height: 1.5; white-space: nowrap;
  background: var(--ice); color: var(--navy);
}
.badge-intro { background: #E6F1EA; color: #1E5A33; }
.badge-research { background: #FBF1DD; color: #6A4A0A; }
.badge-outline { background: transparent; border: 1px solid var(--silver); color: var(--muted); }
.badge-illustrative { background: #FBF1DD; color: #6A4A0A; text-transform: uppercase; letter-spacing: .08em; }
.placeholder { display: inline-block; padding: 0 8px; border: 1px dashed currentColor; border-radius: 6px; font-style: italic; opacity: .9; }

/* ---------- 5. Header & navigation ---------- */
.site-header { position: -webkit-sticky; position: sticky; top: 0; z-index: 100; background: var(--navy); color: var(--white); border-bottom: 1px solid rgba(191, 198, 206, .18); }
.site-header.is-scrolled { box-shadow: 0 6px 20px rgba(10, 22, 36, .25); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: var(--header-h); padding: 0 var(--gutter); max-width: 1215px; margin: 0 auto; }
.brand { display: inline-flex; align-items: center; flex: none; color: var(--white); }
.brand .logo-svg { width: auto; height: 38px; }
@media (min-width: 1200px) { .brand .logo-svg { height: 40px; } }
.brand:hover { opacity: .92; color: var(--white); }

.nav-toggle {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-width: 48px; height: 48px; padding: 0 12px;
  border: 1px solid rgba(191, 198, 206, .4); border-radius: 10px; background: transparent; color: var(--white); font-weight: 600; font-size: .95rem;
}
.nav-toggle:hover { background: rgba(255,255,255,.08); }
.nav-toggle .bars { position: relative; width: 20px; height: 14px; }
.nav-toggle .bars span { position: absolute; left: 0; width: 100%; height: 2px; border-radius: 2px; background: currentColor; -webkit-transition: transform .25s var(--ease), opacity .2s, top .25s var(--ease); transition: transform .25s var(--ease), opacity .2s, top .25s var(--ease); }
.nav-toggle .bars span:nth-child(1) { top: 0; } .nav-toggle .bars span:nth-child(2) { top: 6px; } .nav-toggle .bars span:nth-child(3) { top: 12px; }
.nav-toggle[aria-expanded="true"] .bars span:nth-child(1) { top: 6px; -webkit-transform: rotate(45deg); transform: rotate(45deg); }
.nav-toggle[aria-expanded="true"] .bars span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] .bars span:nth-child(3) { top: 6px; -webkit-transform: rotate(-45deg); transform: rotate(-45deg); }
.nav-toggle-label { display: none; }
@media (min-width: 420px) { .nav-toggle-label { display: inline; } }

/* Mobile/tablet: off-canvas panel */
.main-nav {
  position: fixed; top: var(--header-h); right: 0; left: 0; height: calc(100vh - var(--header-h)); height: calc(100dvh - var(--header-h));
  padding: 16px var(--gutter) 32px; overflow-y: auto; overscroll-behavior: contain; background: var(--navy);
  border-top: 1px solid rgba(191, 198, 206, .18);
  visibility: hidden; opacity: 0; -webkit-transform: translateY(-8px); transform: translateY(-8px);
  -webkit-transition: opacity .25s var(--ease), transform .25s var(--ease), visibility .25s; transition: opacity .25s var(--ease), transform .25s var(--ease), visibility .25s;
}
.main-nav.is-open { visibility: visible; opacity: 1; -webkit-transform: none; transform: none; }
.main-nav ul { list-style: none; padding: 0; margin: 0; }
.main-nav li { border-bottom: 1px solid rgba(191, 198, 206, .16); }
.main-nav .nav-link { display: flex; align-items: center; justify-content: space-between; min-height: 56px; padding: 12px 4px; color: var(--white); font-weight: 500; font-size: 1.1rem; }
.main-nav .nav-link::after { content: ""; width: 8px; height: 8px; border-top: 2px solid var(--silver); border-right: 2px solid var(--silver); -webkit-transform: rotate(45deg); transform: rotate(45deg); }
.main-nav .nav-link:hover { color: var(--silver); }
.main-nav .nav-link[aria-current="page"] { color: var(--white); font-weight: 700; }
.main-nav .nav-link[aria-current="page"]::before { content: ""; position: absolute; left: 0; width: 4px; height: 28px; border-radius: 2px; background: var(--silver); }
.main-nav li { position: relative; }
.main-nav .nav-cta { margin-top: 24px; width: 100%; }

@media (min-width: 1200px) {
  .nav-toggle { display: none; }
  .main-nav {
    position: static; height: auto; padding: 0; overflow: visible; background: transparent; border: 0;
    visibility: visible; opacity: 1; -webkit-transform: none; transform: none; display: flex; align-items: center; gap: 22px;
  }
  .main-nav ul { display: flex; align-items: center; gap: 2px; }
  .main-nav li { border: 0; }
  .main-nav .nav-link { position: relative; min-height: 44px; padding: 10px 12px; font-size: .95rem; color: #E3E8EE; }
  .main-nav .nav-link::after {
    content: ""; position: absolute; left: 12px; right: 12px; bottom: 4px; width: auto; height: 2px; border: 0; border-radius: 2px;
    background: var(--silver); -webkit-transform: scaleX(0); transform: scaleX(0); -webkit-transform-origin: left; transform-origin: left; -webkit-transition: transform .25s var(--ease); transition: transform .25s var(--ease);
  }
  .main-nav .nav-link:hover { color: var(--white); }
  .main-nav .nav-link:hover::after, .main-nav .nav-link[aria-current="page"]::after { -webkit-transform: scaleX(1); transform: scaleX(1); }
  .main-nav .nav-link[aria-current="page"] { color: var(--white); font-weight: 600; }
  .main-nav .nav-link[aria-current="page"]::before { display: none; }
  .main-nav .nav-cta { margin: 0; width: auto; }
}

/* ---------- 6. Footer ---------- */
.site-footer { background: var(--navy); color: #D3DAE2; font-size: .95rem; }
.site-footer a { color: #E8EDF2; }
.site-footer a:hover { color: var(--white); text-decoration: underline; text-underline-offset: 3px; }
.footer-main { padding: 64px 0 40px; }
.footer-main .rowBox { row-gap: 40px; }
.footer-brand .logo-svg { height: 50px; width: auto; margin-bottom: 18px; }
.footer-brand p { max-width: 360px; }
.footer-tagline { color: var(--silver); font-family: var(--font-heading); font-weight: 600; }
.footer-title { font-family: var(--font-family); font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--silver); margin-bottom: 16px; }
.footer-links { list-style: none; padding: 0; margin: 0; display: grid; gap: 4px; }
.footer-links a { display: inline-block; padding: 6px 0; }
.footer-newsletter p { margin-bottom: 14px; }
.footer-newsletter .field input { background: #0E1D2E; border-color: #3A5370; color: var(--white); }
.footer-newsletter .field input::placeholder { color: #9FB0C2; }
.footer-newsletter .field label, .footer-newsletter .consent { color: #E3E8EE; }
.footer-newsletter .error-msg { color: #FFB4AA; }
.footer-newsletter .field.has-error input { border-color: #FFB4AA; }
.footer-newsletter .form-status.notice { background: rgba(255,255,255,.06); border-color: rgba(191,198,206,.35); color: #E3E8EE; }
.footer-newsletter .form-status.error { background: rgba(255,180,170,.08); border-color: #FFB4AA; color: #FFD9D3; }
.footer-newsletter .form-status.success { background: rgba(160,220,180,.1); border-color: #9AD4AE; color: #D4F0DC; }
.footer-disclaimer { margin-top: 48px; padding: 20px 22px; border: 1px solid rgba(191, 198, 206, .28); border-radius: var(--radius); background: rgba(255, 255, 255, .03); font-size: .9rem; color: #C9D2DC; }
.footer-disclaimer strong { color: var(--white); }
.footer-disclaimer a { text-decoration: underline; text-underline-offset: 3px; }
.footer-bottom { background: var(--charcoal); color: #C5CBD2; font-size: .87rem; padding: 18px 0; }
.footer-bottom .wrap { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px 24px; max-width: 1215px; margin: 0 auto; }
.footer-bottom p { margin: 0; }
.footer-bottom a { color: #E8EDF2; }
@media (min-width: 768px) and (max-width: 1023px) {
  .footer-main .footer-brand, .footer-main .footer-newsletter { width: 100%; }
}

/* ---------- 7. Page sections & heroes ---------- */
.section { padding: var(--section-y) 0; }
.section-sm { padding: calc(var(--section-y) * .6) 0; }
.section-head { max-width: 760px; margin-bottom: 44px; }
.section-head.text-center { margin-left: auto; margin-right: auto; }
.section-head.text-center .eyebrow { justify-content: center; }
.section-head p { font-size: var(--fs-lead); color: var(--muted); margin: 0; }
.on-dark { color: #D7DEE6; }
.on-dark h2, .on-dark h3 { color: var(--white); }
.on-dark .section-head p { color: #C9D2DC; }

/* Home hero */
.hero { background: var(--light); padding: clamp(40px, 5vw, 88px) 0 clamp(48px, 6vw, 100px); border-bottom: 1px solid var(--silver-200); overflow: hidden; }
.hero .rowBox { align-items: center; row-gap: 40px; }
.hero h1 { font-size: var(--fs-display); line-height: 1.08; margin-bottom: 20px; }
.hero h1 span { display: block; color: var(--navy-700); font-weight: 700; }
.hero-sub { font-size: var(--fs-lead); color: var(--charcoal); font-weight: 500; max-width: 560px; }
.hero-text p.muted { max-width: 560px; }
.hero .btn-row { margin-top: 28px; }
.hero-note { display: flex; gap: 10px; align-items: flex-start; margin-top: 26px; font-size: .9rem; color: var(--muted); max-width: 520px; }
.hero-note svg { width: 18px; height: 18px; flex: none; margin-top: 3px; color: var(--silver-600); }
.hero-figure { position: relative; margin: 0; }
.hero-figure img { width: 100%; border-radius: 24px; box-shadow: var(--shadow-md); }
.hero-figure figcaption { margin-top: 10px; font-size: .82rem; color: var(--muted); text-align: right; }
@media (min-width: 1024px) { .hero-figure { margin-left: 16px; } }

/* Inner page hero */
.page-hero { background: var(--ice); padding: clamp(40px, 5vw, 76px) 0 clamp(40px, 5vw, 64px); border-bottom: 1px solid var(--silver-200); position: relative; overflow: hidden; }
.page-hero::after {
  content: ""; position: absolute; right: -120px; top: -140px; width: 420px; height: 420px; border-radius: 50%;
  border: 56px solid rgba(191, 198, 206, .35); pointer-events: none;
}
.page-hero .col12 { position: relative; z-index: 1; }
.page-hero h1 { max-width: 860px; }
.page-hero .lead { max-width: 760px; color: var(--charcoal); margin: 0; }
.breadcrumb ol { list-style: none; padding: 0; margin: 0 0 18px; display: flex; flex-wrap: wrap; gap: 6px; font-size: .9rem; color: var(--muted); }
.breadcrumb li { display: inline-flex; align-items: center; gap: 6px; }
.breadcrumb li + li::before { content: "/"; color: var(--silver-600); }
.breadcrumb a { color: var(--muted); text-decoration: underline; text-decoration-color: var(--silver); text-underline-offset: 3px; }
.breadcrumb a:hover { color: var(--navy); }
.breadcrumb [aria-current] { color: var(--navy); font-weight: 600; }
.page-meta { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 20px; }

/* Sub navigation (jump links) */
.subnav { position: -webkit-sticky; position: sticky; top: var(--header-h); z-index: 50; background: var(--white); border-bottom: 1px solid var(--silver-200); }
.subnav ul { list-style: none; margin: 0 auto; padding: 10px var(--gutter); max-width: 1215px; display: flex; gap: 8px; overflow-x: auto; scrollbar-width: thin; -webkit-overflow-scrolling: touch; }
.subnav a { display: inline-flex; align-items: center; min-height: 40px; padding: 8px 14px; white-space: nowrap; border: 1px solid var(--silver-200); border-radius: 999px; font-size: .9rem; font-weight: 500; color: var(--charcoal); }
.subnav a:hover { border-color: var(--silver-600); color: var(--navy); }
.subnav a.is-active { background: var(--navy); border-color: var(--navy); color: var(--white); }

/* Notices */
.note { display: flex; gap: 14px; align-items: flex-start; padding: 16px 20px; border-radius: 12px; border: 1px solid var(--silver-200); background: var(--light); font-size: .95rem; color: var(--charcoal); }
.note svg { width: 22px; height: 22px; flex: none; margin-top: 2px; color: var(--navy-700); }
.note p:last-child { margin-bottom: 0; }
.note strong { color: var(--navy); }
.note-warn { background: var(--warn-bg); border-color: var(--warn-border); color: var(--warn-text); }
.note-warn svg { color: #8A6A12; }
.note-warn strong { color: #4A3A0A; }
.draft-banner { margin-bottom: 32px; }

/* CTA band */
.cta-band { background: var(--navy); color: #D7DEE6; padding: var(--section-y) 0; position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; left: -140px; bottom: -200px; width: 460px; height: 460px; border-radius: 50%; border: 60px solid rgba(191, 198, 206, .08); }
.cta-band .col12 { position: relative; text-align: center; }
.cta-band h2 { color: var(--white); font-size: clamp(1.8rem, 1.3rem + 2vw, 2.8rem); }
.cta-band p { max-width: 620px; margin: 0 auto 28px; font-size: var(--fs-lead); }
.cta-band .btn-row { justify-content: center; }

/* ---------- 8. Cards & grids ---------- */
.grid { display: grid; gap: 24px; grid-template-columns: 1fr; }
@media (min-width: 640px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1024px) { .grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); } .grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); } .grid { gap: 28px; } }

.card {
  position: relative; display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--silver-200); border-radius: var(--radius);
  -webkit-transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s; transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s;
}
.card:hover { -webkit-transform: translateY(-3px); transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--silver); }
.card-body { display: flex; flex-direction: column; flex: 1; padding: 26px; }
.card h3 { margin-bottom: 10px; }
.card h3 a { color: inherit; }
.card h3 a::after { content: ""; position: absolute; top: 0; right: 0; bottom: 0; left: 0; border-radius: var(--radius); } /* whole card clickable */
.card h3 a:focus-visible { outline: none; }
.card:focus-within { outline: 3px solid var(--navy-700); outline-offset: 3px; }
.card p { color: var(--muted); flex: 1; }
.card .text-link { margin-top: 6px; align-self: flex-start; }
.icon-tile { display: inline-flex; align-items: center; justify-content: center; width: 52px; height: 52px; margin-bottom: 20px; border-radius: 12px; background: var(--ice); color: var(--navy); flex: none; }
.icon-tile svg { width: 26px; height: 26px; }
.card-media { aspect-ratio: 8 / 5; overflow: hidden; border-radius: var(--radius) var(--radius) 0 0; background: var(--ice); border-bottom: 1px solid var(--silver-200); }
.card-media img { width: 100%; height: 100%; object-fit: cover; -webkit-transition: transform .5s var(--ease); transition: transform .5s var(--ease); }
.card:hover .card-media img { -webkit-transform: scale(1.03); transform: scale(1.03); }
.card-meta { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 12px; }

/* ---------- 9. Feature components ---------- */
/* Why silver matters: factor list */
.factor-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.factor { display: flex; gap: 16px; align-items: flex-start; padding: 20px 22px; background: var(--white); border: 1px solid var(--silver-200); border-radius: 12px; }
.factor .icon-tile { width: 44px; height: 44px; margin: 0; }
.factor .icon-tile svg { width: 22px; height: 22px; }
.factor h3 { font-size: 1.08rem; margin-bottom: 4px; }
.factor p { margin: 0; color: var(--muted); font-size: .97rem; }
.split .rowBox { row-gap: 36px; }
@media (min-width: 1024px) { .split .rowBox { align-items: flex-start; } .sticky-col { position: -webkit-sticky; position: sticky; top: calc(var(--header-h) + 32px); } }

/* Learn before you invest panel */
.learn-panel { background: var(--navy); color: #D7DEE6; border-radius: 22px; padding: clamp(28px, 4vw, 56px); position: relative; overflow: hidden; }
.learn-panel::after { content: ""; position: absolute; right: -90px; top: -90px; width: 300px; height: 300px; border-radius: 50%; border: 44px solid rgba(191, 198, 206, .09); pointer-events: none; }
.learn-panel h2 { color: var(--white); }
.learn-panel .rowBox { row-gap: 28px; position: relative; z-index: 1; }
.learn-links { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; grid-template-columns: 1fr; }
@media (min-width: 640px) { .learn-links { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.learn-links a {
  display: flex; align-items: center; justify-content: space-between; gap: 12px; height: 100%; min-height: 64px; padding: 16px 18px;
  border: 1px solid rgba(191, 198, 206, .3); border-radius: 12px; color: var(--white); font-weight: 600; background: rgba(255,255,255,.03);
}
.learn-links a span.num-label { font-family: var(--font-heading); color: var(--silver); font-size: .85rem; font-weight: 700; margin-right: 12px; }
.learn-links a svg { width: 18px; height: 18px; flex: none; color: var(--silver); -webkit-transition: transform .2s var(--ease); transition: transform .2s var(--ease); }
.learn-links a:hover { background: rgba(255,255,255,.08); border-color: var(--silver); color: var(--white); }
.learn-links a:hover svg { -webkit-transform: translateX(3px); transform: translateX(3px); }

/* Price anatomy diagram */
.anatomy { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; grid-template-columns: 1fr; counter-reset: anat; }
@media (min-width: 768px) { .anatomy { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1200px) { .anatomy { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
.anatomy li { position: relative; padding: 22px 22px 20px; background: var(--white); border: 1px solid var(--silver-200); border-radius: 12px; counter-increment: anat; }
.anatomy li::before { content: counter(anat); display: inline-flex; align-items: center; justify-content: center; width: 30px; height: 30px; margin-bottom: 12px; border-radius: 50%; background: var(--navy); color: var(--white); font-weight: 700; font-size: .9rem; font-family: var(--font-heading); }
.anatomy h3 { font-size: 1.05rem; margin-bottom: 6px; }
.anatomy p { margin: 0; color: var(--muted); font-size: .95rem; }
.anatomy .formula { display: block; margin-top: 10px; padding: 8px 10px; border-radius: 8px; background: var(--light); font-family: var(--font-heading); font-weight: 700; font-size: .88rem; color: var(--navy); }

.source-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.source-list li { display: flex; gap: 12px; align-items: flex-start; padding: 14px 16px; border: 1px solid var(--silver-200); border-radius: 10px; background: var(--white); }
.source-list svg { width: 18px; height: 18px; flex: none; margin-top: 4px; color: var(--silver-600); }
.source-list strong { display: block; color: var(--navy); }
.source-list span { color: var(--muted); font-size: .94rem; }

/* Values / steps */
.value-num { font-family: var(--font-heading); font-weight: 800; font-size: .9rem; color: #66717D; letter-spacing: .08em; margin-bottom: 14px; display: block; }
.check-list { list-style: none; padding: 0; margin: 0 0 1em; display: grid; gap: 10px; }
.check-list li { position: relative; padding-left: 30px; }
.check-list li::before {
  content: ""; position: absolute; left: 0; top: .32em; width: 18px; height: 18px; border-radius: 50%; background: var(--ice);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2314283F' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: center; background-size: 11px;
}
.dot-list { padding-left: 1.2em; margin-bottom: 1em; }
.dot-list li { margin-bottom: 6px; padding-left: 4px; }
.dot-list li::marker { color: var(--silver-600); }

/* Publisher info / definition boxes */
.info-box { padding: 24px 26px; border-radius: var(--radius); border: 1px solid var(--silver-200); background: var(--white); }
.info-box h3 { font-size: 1.1rem; }
.def-list { display: grid; gap: 0; margin: 0; }
.def-list div { display: grid; grid-template-columns: 1fr; gap: 2px; padding: 12px 0; border-bottom: 1px solid var(--silver-200); }
.def-list div:last-child { border-bottom: 0; }
@media (min-width: 640px) { .def-list div { grid-template-columns: 200px 1fr; gap: 16px; } }
.def-list dt { font-weight: 600; color: var(--navy); }
.def-list dd { margin: 0; color: var(--charcoal); }

/* Investing page topic blocks */
.topic { padding: var(--section-y) 0; border-bottom: 1px solid var(--silver-200); }
.topic:nth-of-type(even) { background: var(--light); }
.topic-head { display: flex; flex-wrap: wrap; align-items: baseline; gap: 6px 14px; margin-bottom: 8px; }
.topic-num { font-family: var(--font-heading); font-weight: 800; color: #66717D; font-size: 1rem; letter-spacing: .06em; }
.topic .intro { font-size: var(--fs-lead); max-width: 820px; color: var(--charcoal); margin-bottom: 32px; }
.mini-grid { display: grid; gap: 16px; grid-template-columns: 1fr; }
@media (min-width: 640px) { .mini-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1024px) { .mini-grid.cols-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.mini { padding: 20px 22px; background: var(--white); border: 1px solid var(--silver-200); border-radius: 12px; }
.topic:nth-of-type(even) .mini { border-color: #E3E7EB; }
.mini h3 { font-size: 1.04rem; margin-bottom: 6px; }
.mini p { margin: 0; color: var(--muted); font-size: .96rem; }
.ask-box { margin-top: 28px; padding: 22px 24px; border-left: 4px solid var(--navy); background: var(--white); border-radius: 0 12px 12px 0; box-shadow: var(--shadow-sm); }
.ask-box h3 { font-size: 1.05rem; }
.ask-box ul { margin-bottom: 0; }

/* ---------- 10. Tables ---------- */
.table-wrap { width: 100%; }
.compare-table { width: 100%; border-collapse: separate; border-spacing: 0; font-size: .95rem; }
.compare-table caption { text-align: left; font-size: .9rem; color: var(--muted); padding-bottom: 12px; caption-side: top; }
.compare-table th, .compare-table td { text-align: left; vertical-align: top; padding: 16px 18px; }
.compare-table thead th { background: var(--navy); color: var(--white); font-family: var(--font-family); font-weight: 600; font-size: .9rem; letter-spacing: .02em; }
.compare-table thead th:first-child { border-radius: 12px 0 0 0; }
.compare-table thead th:last-child { border-radius: 0 12px 0 0; }
.compare-table tbody th { font-family: var(--font-heading); color: var(--navy); font-weight: 700; background: var(--light); width: 18%; }
.compare-table tbody td, .compare-table tbody th { border-bottom: 1px solid var(--silver-200); }
.compare-table tbody td { background: var(--white); color: var(--charcoal); }
.compare-table tbody tr td:last-child { border-right: 1px solid var(--silver-200); }
.compare-table tbody tr th { border-left: 1px solid var(--silver-200); }
/* Small screens: each row becomes a card */
@media (max-width: 899px) {
  .compare-table thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .compare-table, .compare-table tbody, .compare-table tr, .compare-table th, .compare-table td, .compare-table caption { display: block; width: 100%; }
  .compare-table tr { margin-bottom: 18px; border: 1px solid var(--silver-200); border-radius: 12px; overflow: hidden; }
  .compare-table tbody th { width: 100%; background: var(--navy); color: var(--white); border: 0; font-size: 1.08rem; }
  .compare-table tbody td { border-right: 0 !important; padding: 14px 18px; }
  .compare-table tbody tr td:last-child { border-bottom: 0; }
  .compare-table td::before { content: attr(data-label); display: block; margin-bottom: 4px; font-size: .76rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--navy-700); }
}

/* ---------- 11. Forms ---------- */
.form-card { padding: clamp(22px, 4vw, 40px); background: var(--white); border: 1px solid var(--silver-200); border-radius: 18px; box-shadow: var(--shadow-sm); }
.form-grid { display: grid; grid-template-columns: 1fr; gap: 20px; }
@media (min-width: 640px) { .form-grid.two { grid-template-columns: repeat(2, minmax(0, 1fr)); } .form-grid .full { grid-column: 1 / -1; } }
.field { display: flex; flex-direction: column; gap: 7px; min-width: 0; }
.field label, .field legend { font-weight: 600; color: var(--navy); font-size: .96rem; }
.field .req { color: var(--error); margin-left: 3px; }
.field .opt { color: var(--muted); font-weight: 400; font-size: .86rem; margin-left: 4px; }
.field .hint { font-size: .86rem; color: var(--muted); }
.field input, .field select, .field textarea {
  width: 100%; min-height: 50px; padding: 12px 14px; border: 1.5px solid #B9C1CA; border-radius: 10px; background: var(--white); color: var(--charcoal);
  font-size: 1rem; -webkit-transition: border-color .2s, box-shadow .2s; transition: border-color .2s, box-shadow .2s;
}
.field textarea { min-height: 150px; resize: vertical; }
.field select {
  -webkit-appearance: none; -moz-appearance: none; appearance: none; padding-right: 42px;
  background: var(--white) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2314283F' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") no-repeat right 14px center / 18px;
}
.field input:hover, .field select:hover, .field textarea:hover { border-color: var(--silver-600); }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 4px rgba(20, 40, 63, .14); }
.error-msg { display: none; font-size: .88rem; font-weight: 600; color: var(--error); }
.field.has-error .error-msg, .consent-wrap.has-error .error-msg { display: block; }
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: var(--error); }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: .94rem; cursor: pointer; }
.consent input { width: 22px; height: 22px; margin-top: 2px; flex: none; accent-color: var(--navy); cursor: pointer; }
.consent-wrap { display: flex; flex-direction: column; gap: 6px; }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 18px; margin-top: 6px; }
.form-actions small { color: var(--muted); }
.spinner { display: none; width: 18px; height: 18px; border-radius: 50%; border: 2.5px solid rgba(255,255,255,.35); border-top-color: var(--white); -webkit-animation: spin .8s linear infinite; animation: spin .8s linear infinite; }
.btn[aria-busy="true"] .spinner { display: inline-block; }
@-webkit-keyframes spin { to { -webkit-transform: rotate(360deg); } }
@keyframes spin { to { transform: rotate(360deg); } }
.form-status { display: none; gap: 12px; align-items: flex-start; padding: 14px 16px; border-radius: 10px; border: 1px solid; font-size: .95rem; }
.form-status.is-visible { display: flex; }
.form-status svg { width: 20px; height: 20px; flex: none; margin-top: 2px; }
.form-status strong { display: block; }
.form-status p { margin: 0; }
.form-status.notice { background: var(--warn-bg); border-color: var(--warn-border); color: var(--warn-text); }
.form-status.error { background: var(--error-bg); border-color: #F0C2BC; color: #7E1D14; }
.form-status.success { background: var(--success-bg); border-color: #B6DEC3; color: #17502C; }
.form-setup-note { margin-bottom: 22px; }

/* Newsletter band */
.newsletter-band { background: var(--ice); border-top: 1px solid var(--silver-200); border-bottom: 1px solid var(--silver-200); }
.newsletter-band .rowBox { row-gap: 28px; align-items: center; }
.newsletter-form .inline { display: grid; gap: 12px; grid-template-columns: 1fr; align-items: end; }
@media (min-width: 640px) { .newsletter-form .inline { grid-template-columns: 1fr auto; } }
.newsletter-form { display: grid; gap: 16px; }

/* ---------- 12. FAQ accordion ---------- */
.faq-list { display: grid; gap: 12px; max-width: 880px; }
.faq-list.center { margin: 0 auto; }
.faq-item { border: 1px solid var(--silver-200); border-radius: 12px; background: var(--white); overflow: hidden; }
.faq-item summary {
  list-style: none; display: flex; align-items: center; justify-content: space-between; gap: 18px; min-height: 60px; padding: 16px 20px;
  cursor: pointer; font-family: var(--font-heading); font-weight: 700; font-size: 1.04rem; color: var(--navy);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: ""; flex: none; width: 30px; height: 30px; border-radius: 50%; background: var(--ice) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2314283F' stroke-width='2.6' stroke-linecap='round'%3E%3Cpath d='M12 5v14M5 12h14'/%3E%3C/svg%3E") center / 14px no-repeat;
  -webkit-transition: transform .25s var(--ease); transition: transform .25s var(--ease);
}
.faq-item[open] summary::after { -webkit-transform: rotate(45deg); transform: rotate(45deg); }
.faq-item summary:hover { background: var(--light); }
.faq-item summary:focus-visible { outline-offset: -3px; }
.faq-answer { padding: 0 20px 20px; color: var(--charcoal); }
.faq-answer p:last-child { margin-bottom: 0; }

/* ---------- 13. Learning centre ---------- */
.learn-toolbar { padding: 22px; border: 1px solid var(--silver-200); border-radius: 16px; background: var(--white); box-shadow: var(--shadow-sm); margin-bottom: 28px; }
.search-field { position: relative; }
.search-field svg { position: absolute; left: 14px; top: 50%; width: 20px; height: 20px; -webkit-transform: translateY(-50%); transform: translateY(-50%); color: var(--silver-600); pointer-events: none; }
.search-field input { padding-left: 44px; }
.search-field input::-webkit-search-cancel-button { cursor: pointer; }
.filter-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 16px; }
.chip {
  display: inline-flex; align-items: center; gap: 8px; min-height: 44px; padding: 8px 16px; border-radius: 999px; border: 1.5px solid var(--silver-200);
  background: var(--white); color: var(--charcoal); font-size: .93rem; font-weight: 500; cursor: pointer; -webkit-transition: background .2s, border-color .2s, color .2s; transition: background .2s, border-color .2s, color .2s;
}
.chip:hover { border-color: var(--silver-600); color: var(--navy); }
.chip[aria-pressed="true"] { background: var(--navy); border-color: var(--navy); color: var(--white); }
.chip .count { font-variant-numeric: tabular-nums; font-size: .8rem; opacity: .75; }
.results-bar { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 10px; margin-bottom: 18px; font-size: .95rem; color: var(--muted); }
.results-bar button { background: none; border: 0; color: var(--navy); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; min-height: 44px; padding: 0 4px; }
.guide-card .card-body { padding: 22px; }
.guide-card h3 { font-size: 1.12rem; }
.guide-card[hidden] { display: none; }
.no-results { padding: 36px; text-align: center; border: 1px dashed var(--silver); border-radius: 14px; color: var(--muted); }
.no-results[hidden] { display: none; }

.guides-section { padding-top: 24px; }
.guide-group { margin-top: 56px; }
.guide-group > h2 { padding-bottom: 14px; border-bottom: 2px solid var(--navy); }
.guide { padding: 36px 0; border-bottom: 1px solid var(--silver-200); }
.guide:last-child { border-bottom: 0; }
.guide h3 { font-size: clamp(1.3rem, 1.15rem + .6vw, 1.65rem); margin-bottom: 12px; }
.guide .guide-meta { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 18px; }
.guide-body { max-width: var(--measure); }
.guide-body p, .guide-body li { color: var(--charcoal); }
.guide-body h4 { margin-top: 1.4em; color: var(--navy); }
.key-points { margin: 22px 0 0; padding: 18px 22px; border-radius: 12px; background: var(--light); border: 1px solid var(--silver-200); max-width: var(--measure); }
.key-points h4 { margin: 0 0 8px; font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; color: var(--navy-700); font-family: var(--font-family); }
.key-points ul { margin: 0; }
.back-link { display: inline-flex; margin-top: 18px; font-size: .9rem; font-weight: 600; min-height: 44px; align-items: center; }

/* In-guide tools */
.tool { margin: 24px 0 8px; padding: 22px; border-radius: 14px; border: 1px solid var(--silver); background: var(--white); box-shadow: var(--shadow-sm); max-width: var(--measure); }
.tool h4 { margin: 0 0 4px; font-size: 1.05rem; }
.tool .tool-desc { font-size: .92rem; color: var(--muted); margin-bottom: 16px; }
.tool-grid { display: grid; gap: 14px; grid-template-columns: 1fr; }
@media (min-width: 560px) { .tool-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.tool output, .tool-result { display: block; padding: 14px 16px; border-radius: 10px; background: var(--ice); color: var(--navy); font-weight: 600; font-variant-numeric: tabular-nums; }
.tool-result p { margin: 0; }
.tool-result p + p { margin-top: 4px; }
.input-affix { position: relative; }
.input-affix span { position: absolute; right: 14px; top: 50%; -webkit-transform: translateY(-50%); transform: translateY(-50%); color: var(--muted); font-size: .9rem; pointer-events: none; }
.input-affix input { padding-right: 70px; font-variant-numeric: tabular-nums; }

/* ---------- 14. Chart component ---------- */
.chart-card { padding: clamp(18px, 3vw, 32px); border: 1px solid var(--silver-200); border-radius: 18px; background: var(--white); box-shadow: var(--shadow-sm); }
.chart-head { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px 24px; margin-bottom: 14px; }
.chart-head h3 { margin: 6px 0 4px; }
.chart-head p { margin: 0; color: var(--muted); font-size: .94rem; max-width: 640px; }
.chart-legend { display: flex; flex-wrap: wrap; gap: 8px; align-items: flex-start; }
.legend-btn { display: inline-flex; align-items: center; gap: 8px; min-height: 44px; padding: 8px 14px; border: 1.5px solid var(--silver-200); border-radius: 999px; background: var(--white); font-size: .9rem; font-weight: 500; color: var(--charcoal); cursor: pointer; }
.legend-btn .swatch { width: 18px; height: 4px; border-radius: 2px; }
.legend-btn[aria-pressed="false"] { opacity: .55; text-decoration: line-through; }
.chart-area { position: relative; }
.chart-svg { width: 100%; height: auto; overflow: visible; touch-action: pan-y; }
.chart-svg:focus-visible { outline: 3px solid var(--navy-700); outline-offset: 4px; border-radius: 8px; }
.chart-svg .axis text { font-size: 12px; fill: var(--muted); font-family: var(--font-family); font-variant-numeric: tabular-nums; }
.chart-svg .gridline { stroke: var(--silver-200); }
.chart-svg .watermark { font-family: var(--font-heading); font-weight: 800; font-size: 26px; letter-spacing: .14em; fill: var(--silver); opacity: .4; }
.chart-tooltip {
  position: absolute; pointer-events: none; min-width: 180px; padding: 10px 12px; border-radius: 10px; background: var(--navy); color: var(--white);
  font-size: .85rem; line-height: 1.45; box-shadow: var(--shadow-md); font-variant-numeric: tabular-nums; opacity: 0; -webkit-transition: opacity .15s; transition: opacity .15s;
}
.chart-tooltip.is-visible { opacity: 1; }
.chart-tooltip strong { display: block; margin-bottom: 2px; }
.chart-foot { display: flex; flex-wrap: wrap; gap: 8px 18px; justify-content: space-between; margin-top: 10px; font-size: .86rem; color: var(--muted); }
.chart-data { margin-top: 14px; }
.chart-data summary { display: inline-flex; align-items: center; min-height: 44px; cursor: pointer; font-weight: 600; color: var(--navy); }
.data-table-wrap { max-height: 320px; overflow: auto; border: 1px solid var(--silver-200); border-radius: 10px; margin-top: 8px; }
.data-table { width: 100%; border-collapse: collapse; font-size: .9rem; font-variant-numeric: tabular-nums; }
.data-table th, .data-table td { padding: 8px 12px; text-align: right; border-bottom: 1px solid var(--silver-200); }
.data-table th:first-child, .data-table td:first-child { text-align: left; }
.data-table thead th { position: -webkit-sticky; position: sticky; top: 0; background: var(--light); color: var(--navy); }

/* Empty state (market updates) */
.empty-state { display: grid; gap: 20px; grid-template-columns: 1fr; padding: clamp(24px, 4vw, 40px); border: 1px dashed var(--silver-600); border-radius: 18px; background: var(--white); }
@media (min-width: 900px) { .empty-state { grid-template-columns: 1.1fr 1fr; gap: 40px; } }
.empty-state h3 { margin-bottom: 8px; }

/* Flow diagram (supply / demand) */
.flow { display: grid; gap: 16px; grid-template-columns: 1fr; align-items: stretch; }
@media (min-width: 900px) { .flow { grid-template-columns: 1fr auto 1fr; } }
.flow-col { padding: 22px; border-radius: 14px; background: var(--white); border: 1px solid var(--silver-200); }
.flow-col h3 { font-size: 1.1rem; }
.flow-col ul { margin: 0; }
.flow-mid { display: flex; align-items: center; justify-content: center; padding: 8px; }
.flow-mid .market-node { display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; width: 150px; height: 150px; border-radius: 50%; background: var(--navy); color: var(--white); font-family: var(--font-heading); font-weight: 700; line-height: 1.3; box-shadow: 0 0 0 10px var(--ice); }
.flow-mid .market-node small { font-family: var(--font-family); font-weight: 500; color: var(--silver); font-size: .78rem; margin-top: 4px; }

/* ---------- 15. Legal / prose pages, 404 ---------- */
.prose { max-width: 780px; }
.prose h2 { font-size: 1.45rem; margin-top: 2em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 1.12rem; margin-top: 1.6em; }
.prose ul { padding-left: 1.3em; }
.prose li { margin-bottom: 6px; }
.prose .placeholder { font-size: .95em; }
.toc { padding: 20px 22px; border-radius: 12px; border: 1px solid var(--silver-200); background: var(--light); margin-bottom: 32px; }
.toc h2 { font-size: .82rem !important; letter-spacing: .12em; text-transform: uppercase; font-family: var(--font-family); color: var(--navy-700); margin: 0 0 10px !important; }
.toc ol { margin: 0; padding-left: 1.3em; columns: 1; }
@media (min-width: 640px) { .toc ol { columns: 2; column-gap: 32px; } }
.toc li { margin-bottom: 6px; break-inside: avoid; }
.notfound { text-align: center; padding: clamp(64px, 10vw, 140px) 0; }
.notfound .code { font-family: var(--font-heading); font-weight: 800; font-size: clamp(4.5rem, 14vw, 8rem); line-height: 1; color: #7A8591; letter-spacing: -.04em; margin-bottom: 16px; }
.notfound .btn-row { justify-content: center; margin-top: 28px; }

/* ---------- 16. Motion & print ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { -webkit-animation-duration: .01ms !important; animation-duration: .01ms !important; -webkit-animation-iteration-count: 1 !important; animation-iteration-count: 1 !important; -webkit-transition-duration: .01ms !important; transition-duration: .01ms !important; }
  .card:hover, .btn:hover { -webkit-transform: none; transform: none; }
}
@media print {
  .site-header, .subnav, #button, .newsletter-band, .footer-newsletter, .cta-band .btn-row, .learn-toolbar { display: none !important; }
  body { font-size: 12pt; color: #000; }
  .page-hero, .hero { background: none; border: 0; }
  a { color: #000; }
}

/* Footer link columns: side by side on phones/tablets */
@media (max-width: 1023px) { .footer-main .footer-col { width: 50%; } }
.newsletter-form .inline .btn { min-height: 52px; }
.cta-band + footer .footer-main, .site-footer { border-top: 1px solid rgba(191, 198, 206, .22); }
.source-list a { color: var(--navy); font-weight: 700; text-decoration: underline; text-decoration-color: var(--silver); text-underline-offset: 3px; }
.source-list a:hover { text-decoration-color: var(--navy); }
.link-btn { background: none; border: 0; padding: 0; font: inherit; font-weight: 600; color: var(--navy); text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }
.guide-figure { width: 100%; max-width: 420px; border-radius: 12px; border: 1px solid var(--silver-200); }
.rowBox.nested { margin: 0 -15px; width: calc(100% + 30px); row-gap: 8px; }
.req { color: var(--error); margin-left: 3px; }

/* Learning centre: level legend + sidebar */
.level-legend { list-style: none; padding: 0; margin: 20px 0 0; display: flex; flex-wrap: wrap; gap: 8px 24px; font-size: .92rem; color: var(--muted); }
.level-legend li { display: inline-flex; align-items: center; gap: 8px; }
.guide-aside { margin-top: 56px; padding: 24px; border: 1px solid var(--silver-200); border-radius: 14px; background: var(--white); }
@media (min-width: 1024px) { .guide-aside { position: -webkit-sticky; position: sticky; top: calc(var(--header-h) + 24px); } }
@media (max-width: 1023px) { .guide-aside { display: none; } }
.aside-title { font-family: var(--font-family); font-size: .78rem !important; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--navy-700); margin-bottom: 10px; }
.aside-links { list-style: none; padding: 0; margin: 0; display: grid; gap: 2px; }
.aside-links a { display: flex; align-items: center; min-height: 40px; padding: 6px 10px; border-radius: 8px; color: var(--charcoal); font-weight: 500; }
.aside-links a:hover { background: var(--light); color: var(--navy); }