/* Miles On Money. One stylesheet, no build step. */

@font-face { font-family: "Geist"; font-style: normal; font-weight: 100 900; font-display: swap; src: url(/fonts/geist.woff2) format("woff2"); }
@font-face { font-family: "Geist Mono"; font-style: normal; font-weight: 500; font-display: swap; src: url(/fonts/geist-mono-500.woff2) format("woff2"); }
@font-face { font-family: "Fraunces"; font-style: normal; font-weight: 600; font-display: swap; src: url(/fonts/fraunces-600.woff2) format("woff2"); }

:root {
  --bg: #ffffff;
  --bg-soft: #f5f8f7;
  --surface: #ffffff;
  --ink: #0f1d2a;
  --ink-2: #3d4c5a;
  --muted: #64727f;
  --line: #e3e9ec;
  --line-strong: #cfd8dd;
  --accent: #0b7a61;
  --accent-ink: #086450;
  --accent-soft: #e5f3ee;
  --on-accent: #ffffff;
  --warm: #b4560a;
  --warm-soft: #fdf1e4;
  --renter: #d97706;
  --buyer: #0a8a6e;
  --focus: #2563eb;
  --shadow-sm: 0 1px 2px rgba(15, 29, 42, 0.06);
  --shadow: 0 1px 2px rgba(15, 29, 42, 0.05), 0 8px 24px -8px rgba(15, 29, 42, 0.12);
  --shadow-lg: 0 2px 4px rgba(15, 29, 42, 0.04), 0 24px 48px -16px rgba(15, 29, 42, 0.2);
  --radius: 16px;
  --radius-sm: 10px;
  --wrap: 1160px;
  --gutter: clamp(16px, 4vw, 32px);
  --font: "Geist", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --display: "Fraunces", Georgia, "Times New Roman", serif;
  --mono: "Geist Mono", ui-monospace, "SF Mono", Menlo, monospace;
  --hero-glow:
    radial-gradient(60% 70% at 12% 0%, #d6f1e7 0%, transparent 60%),
    radial-gradient(50% 60% at 88% 8%, #dbe9fb 0%, transparent 62%),
    radial-gradient(45% 50% at 60% 100%, #fcebd6 0%, transparent 65%);
  color-scheme: light;
}

@media (prefers-color-scheme: dark) {
  :root {
    --bg: #0c1519;
    --bg-soft: #101c21;
    --surface: #132228;
    --ink: #e7eef0;
    --ink-2: #b9c6cc;
    --muted: #8d9ca4;
    --line: #22343b;
    --line-strong: #2f454d;
    --accent: #2fb38f;
    --accent-ink: #5fd0ae;
    --accent-soft: #143a31;
    --on-accent: #06221b;
    --warm: #f0a24a;
    --warm-soft: #33230f;
    --renter: #d27a12;
    --buyer: #1fa481;
    --focus: #7aa7ff;
    --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.4);
    --shadow: 0 1px 2px rgba(0, 0, 0, 0.35), 0 10px 28px -10px rgba(0, 0, 0, 0.6);
    --shadow-lg: 0 24px 48px -16px rgba(0, 0, 0, 0.7);
    --hero-glow:
      radial-gradient(60% 70% at 12% 0%, rgba(47, 179, 143, 0.18) 0%, transparent 60%),
      radial-gradient(50% 60% at 88% 8%, rgba(80, 130, 220, 0.16) 0%, transparent 62%),
      radial-gradient(45% 50% at 60% 100%, rgba(240, 162, 74, 0.1) 0%, transparent 65%);
    color-scheme: dark;
  }
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; scroll-padding-top: 88px; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  font-feature-settings: "ss01";
  overflow-x: hidden;
}
img, svg { max-width: 100%; }
a { color: var(--accent-ink); text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 2px solid var(--focus); outline-offset: 2px; border-radius: 4px; }
h1, h2, h3 { line-height: 1.15; margin: 0 0 0.5em; letter-spacing: -0.01em; }
h1, h2 { font-family: var(--display); font-weight: 600; }
h1 { font-size: clamp(2.2rem, 5.5vw, 3.6rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.1rem); }
h3 { font-size: 1.1rem; font-weight: 600; letter-spacing: -0.005em; }
p { margin: 0 0 1em; }
.num, td.num, th.num { font-variant-numeric: tabular-nums; }
.muted { color: var(--muted); }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; margin: -1px; padding: 0; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gutter); }
.narrow { max-width: 780px; }

.skip { position: absolute; left: 12px; top: -60px; background: var(--ink); color: var(--bg); padding: 10px 14px; border-radius: 8px; z-index: 100; }
.skip:focus { top: 12px; }

/* ── header ───────────────────────────────────────────── */
.site-header {
  position: sticky; top: 0; z-index: 20;
  background: color-mix(in srgb, var(--bg) 82%, transparent);
  -webkit-backdrop-filter: saturate(160%) blur(12px);
  backdrop-filter: saturate(160%) blur(12px);
  border-bottom: 1px solid color-mix(in srgb, var(--line) 70%, transparent);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 64px; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: var(--ink); text-decoration: none; font-weight: 650; letter-spacing: -0.01em; }
.brand-mark { flex: none; border-radius: 9px; box-shadow: var(--shadow-sm); }
.brand-name { font-size: 1.05rem; white-space: nowrap; }
.site-nav ul { display: flex; gap: 4px; list-style: none; margin: 0; padding: 0; }
.site-nav a {
  display: block; padding: 8px 12px; border-radius: 999px;
  color: var(--ink-2); text-decoration: none; font-size: 0.95rem; font-weight: 500; white-space: nowrap;
}
.site-nav a:hover { color: var(--ink); background: var(--bg-soft); }
.nav-short { display: none; }
.site-nav a[aria-current="page"] { color: var(--accent-ink); background: var(--accent-soft); }

@media (max-width: 860px) {
  .header-inner { flex-wrap: wrap; gap: 0; padding-top: 10px; }
  .site-nav { width: calc(100% + 2 * var(--gutter)); margin: 0 calc(-1 * var(--gutter)); overflow-x: auto; scrollbar-width: none; }
  .site-nav::-webkit-scrollbar { display: none; }
  .site-nav ul { padding: 6px var(--gutter) 10px; gap: 2px; }
  .site-nav a { padding: 6px 11px; font-size: 0.9rem; }
  .nav-long { display: none; }
  .nav-short { display: inline; }
}

/* ── buttons, chips ───────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 46px; padding: 0 20px; border-radius: 999px;
  font: inherit; font-weight: 600; font-size: 0.98rem; text-decoration: none; cursor: pointer;
  border: 1px solid transparent; transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn-primary { background: var(--accent); color: var(--on-accent); box-shadow: 0 1px 2px rgba(0,0,0,.1), 0 6px 16px -6px color-mix(in srgb, var(--accent) 70%, transparent); }
.btn-primary:hover { transform: translateY(-1px); background: var(--accent-ink); color: var(--on-accent); }
@media (prefers-color-scheme: dark) { .btn-primary:hover { background: var(--accent-ink); } }
.btn-ghost { background: var(--surface); color: var(--ink); border-color: var(--line-strong); }
.btn-ghost:hover { border-color: var(--ink-2); }
.btn-small { min-height: 36px; padding: 0 14px; font-size: 0.88rem; }
.chip { display: inline-block; font-size: 0.78rem; font-weight: 500; line-height: 1.4; padding: 2px 8px; border-radius: 999px; background: var(--bg-soft); color: var(--ink-2); border: 1px solid var(--line); margin: 4px 4px 0 0; white-space: nowrap; }

.eyebrow { font-size: 0.82rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--accent-ink); margin-bottom: 14px; }
.lead { font-size: clamp(1.05rem, 1.6vw, 1.2rem); color: var(--ink-2); max-width: 62ch; }

/* ── hero ─────────────────────────────────────────────── */
.hero { position: relative; padding: clamp(40px, 7vw, 96px) 0 clamp(48px, 7vw, 88px); background: var(--hero-glow); }
.hero::after { content: ""; position: absolute; inset: auto 0 0; height: 1px; background: linear-gradient(90deg, transparent, var(--line), transparent); }
.hero-grid { display: grid; gap: clamp(32px, 5vw, 64px); align-items: center; }
@media (min-width: 900px) { .hero-grid { grid-template-columns: 1.1fr 0.9fr; } }
.hero h1 { max-width: 15ch; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.hero-card {
  margin: 0; padding: 22px 22px 18px; background: var(--surface); border-radius: 20px;
  border: 1px solid var(--line); box-shadow: var(--shadow-lg);
}
.hero-card-head { display: flex; flex-direction: column; gap: 2px; margin-bottom: 14px; }
.kicker { font-size: 0.85rem; color: var(--muted); font-weight: 500; margin: 0; }
.hero-card .big { font-size: clamp(1.4rem, 3vw, 1.75rem); font-weight: 650; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.mini-chart { display: block; width: 100%; height: auto; }
.mini-chart .zero { stroke: var(--line-strong); stroke-width: 1; }
.mini-chart .renter, .bar.renter, .sw.renter { fill: var(--renter); background: var(--renter); }
.mini-chart .buyer, .bar.buyer, .sw.buyer { fill: var(--buyer); background: var(--buyer); }
.legend { display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: 0.82rem; color: var(--ink-2); margin-top: 10px; }
.legend span { display: inline-flex; align-items: center; gap: 6px; }
.legend-x { margin-left: auto; color: var(--muted); }
.sw { display: inline-block; width: 10px; height: 10px; border-radius: 3px; }
.hero-card figcaption { font-size: 0.85rem; color: var(--muted); margin-top: 12px; padding-top: 12px; border-top: 1px solid var(--line); line-height: 1.5; }

/* ── sections, cards ──────────────────────────────────── */
.section { padding: clamp(48px, 8vw, 96px) 0; }
.section-soft { background: var(--bg-soft); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 640px; margin-bottom: 32px; }
.section-head p { color: var(--ink-2); margin: 0; }
.section-foot { margin: 28px 0 0; font-weight: 500; }
.cards { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.card {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 24px; box-shadow: var(--shadow-sm);
}
.card-link { display: flex; flex-direction: column; color: inherit; text-decoration: none; transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease; }
.card-link:hover { transform: translateY(-2px); box-shadow: var(--shadow); border-color: var(--line-strong); }
.card-link p { color: var(--ink-2); font-size: 0.97rem; flex: 1; }
.card-link .more { color: var(--accent-ink); font-weight: 600; font-size: 0.95rem; }
.card-icon { display: inline-grid; place-items: center; width: 42px; height: 42px; border-radius: 12px; background: var(--accent-soft); color: var(--accent-ink); margin-bottom: 18px; }

.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.steps li { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.steps p { color: var(--ink-2); font-size: 0.95rem; margin: 0; }
.step-n { display: inline-grid; place-items: center; width: 28px; height: 28px; border-radius: 50%; background: var(--ink); color: var(--bg); font-size: 0.85rem; font-weight: 600; margin-bottom: 14px; }

.yt-band {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 24px;
  padding: clamp(28px, 5vw, 48px); border-radius: 24px;
  background:
    radial-gradient(80% 120% at 0% 0%, color-mix(in srgb, var(--accent) 22%, transparent), transparent 60%),
    radial-gradient(60% 120% at 100% 100%, color-mix(in srgb, var(--warm) 14%, transparent), transparent 60%),
    var(--surface);
  border: 1px solid var(--line); box-shadow: var(--shadow);
}
.yt-band h2 { margin-bottom: 8px; }
.yt-band p { margin: 0; color: var(--ink-2); max-width: 56ch; }

/* ── page head ────────────────────────────────────────── */
.page-head { padding: clamp(36px, 6vw, 72px) 0 clamp(28px, 4vw, 40px); background: var(--hero-glow); border-bottom: 1px solid var(--line); }
.page-head h1 { font-size: clamp(2rem, 5vw, 3rem); }
.page-head .lead { margin-bottom: 0; }
.head-links { display: flex; flex-wrap: wrap; gap: 8px 20px; margin: 18px 0 0; font-weight: 500; font-size: 0.95rem; }

/* ── rate tables ──────────────────────────────────────── */
.rates-page { padding-top: 24px; padding-bottom: clamp(48px, 8vw, 88px); }
.jump { position: sticky; top: 64px; z-index: 5; background: color-mix(in srgb, var(--bg) 90%, transparent); -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px); margin: 0 calc(-1 * var(--gutter)); padding: 10px var(--gutter); overflow-x: auto; scrollbar-width: none; }
.jump::-webkit-scrollbar { display: none; }
.jump ul { display: flex; gap: 8px; list-style: none; margin: 0; padding: 0; }
.jump a { display: block; white-space: nowrap; padding: 6px 12px; border-radius: 999px; border: 1px solid var(--line); background: var(--surface); color: var(--ink-2); text-decoration: none; font-size: 0.88rem; font-weight: 500; }
.jump a:hover { border-color: var(--accent); color: var(--accent-ink); }
@media (max-width: 860px) { .jump { top: 104px; } }

.rate-section { padding-top: 40px; }
.rate-head { display: flex; flex-wrap: wrap; align-items: baseline; justify-content: space-between; gap: 6px 20px; }
.rate-head h2 { margin: 0; }
.stamp { display: inline-flex; align-items: center; gap: 8px; margin: 0; font-size: 0.85rem; color: var(--ink-2); background: var(--accent-soft); padding: 4px 12px; border-radius: 999px; font-weight: 500; }
.stamp .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--accent); }
.rate-intro { color: var(--ink-2); margin: 12px 0 18px; max-width: 70ch; }

.table-wrap { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); overflow: hidden; }
table { width: 100%; border-collapse: collapse; font-size: 0.93rem; }
thead th { text-align: left; font-size: 0.75rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); background: var(--bg-soft); padding: 12px 16px; border-bottom: 1px solid var(--line); white-space: nowrap; }
tbody th, tbody td { text-align: left; vertical-align: top; padding: 16px; border-bottom: 1px solid var(--line); font-weight: 400; }
tbody tr:last-child > * { border-bottom: 0; }
tbody tr:hover > * { background: color-mix(in srgb, var(--bg-soft) 60%, transparent); }
th.num, td.num { text-align: right; }
.provider { display: block; font-weight: 600; color: var(--ink); }
.product { display: block; color: var(--ink-2); font-size: 0.9rem; }
.aer strong { font-size: 1.15rem; font-weight: 650; letter-spacing: -0.01em; color: var(--ink); }
.aer .sub { display: block; font-size: 0.78rem; line-height: 1.4; color: var(--muted); margin-top: 4px; max-width: 22ch; margin-left: auto; }
.notes { color: var(--ink-2); min-width: 180px; }
.notes > span:not(.chip) { display: block; }
.row-checked { display: block; font-size: 0.78rem; color: var(--warm); margin-top: 6px; font-weight: 500; }
.link-cell { white-space: nowrap; text-align: right; }
.see { display: inline-flex; align-items: center; gap: 4px; font-weight: 600; font-size: 0.9rem; text-decoration: none; padding: 6px 12px; border-radius: 999px; border: 1px solid var(--line-strong); color: var(--accent-ink); }
.see:hover { border-color: var(--accent); background: var(--accent-soft); }
.empty { color: var(--muted); padding: 20px; background: var(--bg-soft); border-radius: var(--radius); border: 1px dashed var(--line-strong); }

.notice { margin: 32px 0; padding: 28px; border-radius: var(--radius); background: var(--surface); border: 1px dashed var(--line-strong); max-width: 680px; }
.notice-title { font-family: var(--display); font-size: 1.4rem; margin-bottom: 6px; }
.notice p:last-child { margin: 0; color: var(--ink-2); }

.aside-note { margin-top: 48px; padding: 24px 28px; border-radius: var(--radius); background: var(--bg-soft); border: 1px solid var(--line); max-width: 820px; }
.aside-note h2 { font-size: 1.3rem; }
.aside-note dl { display: grid; grid-template-columns: max-content 1fr; gap: 8px 20px; margin: 0; font-size: 0.95rem; }
.aside-note dt { font-weight: 600; }
.aside-note dd { margin: 0; color: var(--ink-2); }
.aside-note ul { margin: 0; padding-left: 1.2em; color: var(--ink-2); font-size: 0.95rem; }
.aside-note li + li { margin-top: 6px; }
@media (max-width: 560px) { .aside-note dl { grid-template-columns: 1fr; gap: 2px; } .aside-note dd { margin-bottom: 10px; } }

/* tables become cards on narrow screens */
@media (max-width: 860px) {
  .table-wrap { background: none; border: 0; box-shadow: none; overflow: visible; }
  table.rates thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  table.rates, table.rates tbody { display: block; }
  table.rates tr {
    display: grid; grid-template-columns: 1fr auto; gap: 0 12px;
    background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
    box-shadow: var(--shadow-sm); padding: 16px 18px; margin-bottom: 12px;
  }
  table.rates tr:hover > * { background: none; }
  table.rates tbody th, table.rates tbody td { display: block; padding: 0; border: 0; text-align: left; }
  table.rates tbody th { grid-column: 1; grid-row: 1; padding-right: 8px; }
  table.rates td.aer { grid-column: 2; grid-row: 1; text-align: right; }
  table.rates td.aer .sub { margin-left: auto; }
  table.rates td:not(.aer):not(.link-cell) {
    grid-column: 1 / -1; display: flex; gap: 12px; justify-content: space-between;
    padding: 8px 0; border-top: 1px solid var(--line); font-size: 0.9rem;
  }
  table.rates td:not(.aer):not(.link-cell):nth-child(3) { margin-top: 12px; }
  table.rates td:not(.aer):not(.link-cell)::before { content: attr(data-label); color: var(--muted); font-weight: 500; flex: none; }
  table.rates td:not(.aer):not(.link-cell) > * { text-align: right; }
  table.rates td.notes { display: block !important; }
  table.rates td.notes::before { display: block; margin-bottom: 4px; }
  table.rates td.notes > * { text-align: left !important; }
  table.rates td.link-cell { grid-column: 1 / -1; padding-top: 12px; }
  table.rates td.link-cell .see { width: 100%; justify-content: center; min-height: 44px; }
}

/* ── ISA explainer ────────────────────────────────────── */
.explain-grid { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.explain-grid .card { display: flex; flex-direction: column; }
.explain-grid .card > p:not(.fact):not(.src) { color: var(--ink-2); font-size: 0.97rem; flex: 1; }
.fact { font-family: var(--display); font-size: 2rem; line-height: 1.1; color: var(--accent-ink); margin-bottom: 10px; }
.card-warn .fact { color: var(--warm); }
.src { font-size: 0.85rem; margin: 0; padding-top: 12px; border-top: 1px solid var(--line); }

/* ── prose ────────────────────────────────────────────── */
.prose { padding-top: 32px; padding-bottom: clamp(48px, 8vw, 88px); }
.prose h2 { margin-top: 1.6em; font-size: 1.6rem; }
.prose h2:first-child { margin-top: 0; }
.prose p, .prose li { color: var(--ink-2); }
.prose strong { color: var(--ink); }
.checks { list-style: none; padding: 0; margin: 0 0 1em; }
.checks li { position: relative; padding: 14px 0 14px 34px; border-bottom: 1px solid var(--line); }
.checks li::before { content: ""; position: absolute; left: 2px; top: 19px; width: 18px; height: 18px; border-radius: 50%; background: var(--accent-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='m4.5 8.2 2.3 2.3 4.7-4.9' fill='none' stroke='%230b7a61' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 14px no-repeat; }

/* ── calculator ───────────────────────────────────────── */
.rb { display: grid; gap: 20px; padding-top: 28px; padding-bottom: 20px; }
@media (min-width: 980px) {
  .rb { grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr); align-items: start; gap: 28px; }
  .rb-results { grid-column: 2; grid-row: 1; position: sticky; top: 84px; }
  .rb-inputs { grid-column: 1; grid-row: 1; }
}
.rb-results { display: grid; gap: 14px; }
.rb-results .card { padding: 20px 22px; }
.horizon-top { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin-bottom: 10px; }
.horizon-top label { font-weight: 600; }
.horizon-top output { font-size: 1.25rem; font-weight: 650; color: var(--accent-ink); font-variant-numeric: tabular-nums; }
.horizon-scale { display: flex; justify-content: space-between; font-size: 0.8rem; color: var(--muted); margin-top: 4px; }

.verdict { position: relative; overflow: hidden; }
.verdict::before { content: ""; position: absolute; inset: 0 auto 0 0; width: 4px; background: var(--buyer); }
.verdict[data-who="renter"]::before { background: var(--renter); }
.verdict.stale { opacity: 0.55; }
.verdict-big { font-size: clamp(1.5rem, 3.6vw, 2.05rem); font-weight: 650; letter-spacing: -0.02em; line-height: 1.2; margin: 4px 0 10px; }
.verdict-big #r-amount { white-space: nowrap; }
.verdict[data-who="buyer"] #r-amount { color: var(--accent-ink); }
.verdict[data-who="renter"] #r-amount { color: var(--warm); }
.verdict-line { color: var(--ink-2); margin-bottom: 16px; }
.stats { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1px; margin: 0; background: var(--line); border: 1px solid var(--line); border-radius: var(--radius-sm); overflow: hidden; }
.stats div { background: var(--surface); padding: 10px 14px; }
.stats dt { font-size: 0.78rem; color: var(--muted); font-weight: 500; }
.stats dd { margin: 0; font-weight: 600; font-variant-numeric: tabular-nums; font-size: 0.98rem; }

.chart-card { margin: 0; position: relative; }
.chart-card figcaption { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: baseline; gap: 4px 16px; margin-bottom: 8px; }
.chart-card .legend { margin: 0; }
.chart-title { font-weight: 600; font-size: 0.95rem; }
.chart svg { display: block; width: 100%; height: auto; overflow: visible; }
.chart .grid { stroke: var(--line); stroke-width: 1; }
.chart .zero { stroke: var(--line-strong); stroke-width: 1.5; }
.chart .ylabel, .chart .xlabel { fill: var(--muted); font-size: 12px; font-family: var(--font); font-variant-numeric: tabular-nums; }
.chart .band { fill: var(--accent-soft); }
.chart .bar { transition: opacity 0.15s; }
.chart .hit { fill: transparent; cursor: pointer; }
.chart-note { font-size: 0.8rem; color: var(--muted); margin: 8px 0 0; }
.tooltip { position: absolute; transform: translate(-50%, calc(-100% - 10px)); background: var(--ink); color: var(--bg); padding: 8px 12px; border-radius: 10px; font-size: 0.82rem; line-height: 1.35; pointer-events: none; box-shadow: var(--shadow); white-space: nowrap; z-index: 3; }
.tooltip strong { display: block; font-weight: 600; }

.rb-inputs { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); padding: 22px; }
.inputs-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.inputs-head h2 { margin: 0; font-size: 1.5rem; }
.scenarios { display: flex; flex-wrap: wrap; gap: 8px; margin: 16px 0 6px; }
.scenarios-label { width: 100%; margin: 0; font-size: 0.8rem; color: var(--muted); font-weight: 500; }
.chip-btn { font: inherit; font-size: 0.86rem; font-weight: 500; padding: 7px 12px; min-height: 36px; border-radius: 999px; border: 1px solid var(--line-strong); background: var(--surface); color: var(--ink-2); cursor: pointer; }
.chip-btn:hover { border-color: var(--accent); color: var(--accent-ink); }
.chip-btn[aria-pressed="true"] { background: var(--accent-soft); border-color: var(--accent); color: var(--accent-ink); }

.group { border: 0; padding: 0; margin: 22px 0 0; padding-top: 18px; border-top: 1px solid var(--line); min-width: 0; }
.group legend { float: left; width: 100%; padding: 0; margin-bottom: 12px; font-size: 0.78rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); }
.group legend + * { clear: both; }
.group { display: grid; gap: 14px 20px; grid-template-columns: 1fr; }
@media (min-width: 560px) { .group { grid-template-columns: 1fr 1fr; } .group legend { grid-column: 1 / -1; } }
.field { min-width: 0; }
.field > label { display: block; font-weight: 500; font-size: 0.92rem; margin-bottom: 6px; }
.input-wrap { display: flex; align-items: center; min-height: 44px; border: 1px solid var(--line-strong); border-radius: var(--radius-sm); background: var(--bg); transition: border-color 0.15s, box-shadow 0.15s; }
.input-wrap:focus-within { border-color: var(--accent); box-shadow: 0 0 0 3px color-mix(in srgb, var(--accent) 22%, transparent); }
.input-wrap input { flex: 1; min-width: 0; width: 100%; border: 0; background: transparent; color: var(--ink); font: inherit; font-size: 1rem; font-weight: 500; font-variant-numeric: tabular-nums; padding: 9px 12px; }
.input-wrap input:focus { outline: none; }
.affix { padding-left: 12px; color: var(--muted); font-size: 0.95rem; }
.affix + input { padding-left: 4px; }
.affix-post { padding: 0 12px 0 0; white-space: nowrap; font-size: 0.85rem; }
.field.invalid .input-wrap { border-color: #c2410c; box-shadow: 0 0 0 3px rgba(194, 65, 12, 0.15); }
.hint { font-size: 0.8rem; color: var(--muted); margin: 6px 0 0; line-height: 1.45; }
.field-check { grid-column: 1 / -1; }
.check { display: flex; align-items: center; gap: 10px; font-weight: 500; font-size: 0.95rem; cursor: pointer; min-height: 32px; }
.check input { width: 20px; height: 20px; accent-color: var(--accent); margin: 0; }

.slider { -webkit-appearance: none; appearance: none; width: 100%; height: 22px; background: transparent; margin: 8px 0 0; cursor: pointer; }
.slider::-webkit-slider-runnable-track { height: 4px; border-radius: 4px; background: var(--line-strong); }
.slider::-moz-range-track { height: 4px; border-radius: 4px; background: var(--line-strong); }
.slider::-moz-range-progress { height: 4px; border-radius: 4px; background: var(--accent); }
.slider::-webkit-slider-thumb { -webkit-appearance: none; width: 18px; height: 18px; margin-top: -7px; border-radius: 50%; background: var(--surface); border: 2px solid var(--accent); box-shadow: var(--shadow-sm); }
.slider::-moz-range-thumb { width: 14px; height: 14px; border-radius: 50%; background: var(--surface); border: 2px solid var(--accent); }
.slider-big { height: 32px; }
.slider-big::-webkit-slider-runnable-track { height: 6px; }
.slider-big::-webkit-slider-thumb { width: 26px; height: 26px; margin-top: -10px; background: var(--accent); border: 3px solid var(--surface); box-shadow: 0 0 0 1px var(--accent), var(--shadow); }
.slider-big::-moz-range-thumb { width: 22px; height: 22px; background: var(--accent); border: 3px solid var(--surface); }

.rb-more { padding-bottom: clamp(48px, 8vw, 88px); display: grid; gap: 14px; }
.disclosure { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); }
.disclosure > summary { cursor: pointer; padding: 18px 22px; font-weight: 600; list-style: none; display: flex; justify-content: space-between; align-items: center; }
.disclosure > summary::-webkit-details-marker { display: none; }
.disclosure > summary::after { content: ""; width: 10px; height: 10px; border-right: 2px solid var(--muted); border-bottom: 2px solid var(--muted); transform: rotate(45deg); transition: transform 0.2s; margin-right: 4px; }
.disclosure[open] > summary::after { transform: rotate(225deg); }
.disclosure > .prose { padding: 0 22px 22px; max-width: 820px; }
.disclosure > .table-wrap { margin: 0 12px 12px; overflow-x: auto; box-shadow: none; }
.assumptions li { margin-bottom: 8px; }
.prose h3 { margin-top: 1.4em; }
table.years { font-size: 0.85rem; }
table.years th, table.years td { padding: 10px 12px; white-space: nowrap; }
table.years tr.on > * { background: var(--accent-soft); }

/* ── footer ───────────────────────────────────────────── */
.site-footer { border-top: 1px solid var(--line); background: var(--bg-soft); padding: 48px 0 28px; font-size: 0.92rem; }
.footer-grid { display: grid; gap: 28px; }
@media (min-width: 860px) { .footer-grid { grid-template-columns: 1.1fr 1.4fr 0.8fr; gap: 48px; } }
.footer-brand p { color: var(--ink-2); margin: 12px 0 0; }
.footer-small p { margin: 0 0 8px; color: var(--ink-2); }
.footer-small strong { color: var(--ink); }
.footer-nav ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.footer-nav a { color: var(--ink-2); text-decoration: none; }
.footer-nav a:hover { color: var(--accent-ink); text-decoration: underline; }
.copyright { margin: 36px 0 0; color: var(--muted); font-size: 0.85rem; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; scroll-behavior: auto !important; }
}
.aer strong.no-rate { font-size: 0.95rem; color: var(--ink-2); white-space: nowrap; }
td.notes { font-size: 0.86rem; line-height: 1.5; }
.chart .xlabel.on { fill: var(--accent-ink); font-weight: 600; }
.chart svg { height: auto; }
.mini-chart rect { opacity: 0.5; }
.mini-chart rect.on { opacity: 1; }

@media (min-width: 861px) {
  table.rates { table-layout: fixed; }
  table.rates thead th { white-space: normal; }
  table.rates thead th:nth-child(1) { width: 20%; }
  table.rates thead th:nth-child(2) { width: 13%; }
  table.rates thead th:nth-child(3) { width: 10%; }
  table.rates thead th:nth-child(4) { width: 18%; }
  table.rates thead th:nth-child(5) { width: auto; }
  table.rates thead th:nth-child(6) { width: 140px; }
}
td .sub { display: block; font-size: 0.82rem; color: var(--muted); }

/* current accounts as cards */
.ca-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 14px; }
.ca-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); padding: 20px 22px; }
.ca-top { display: grid; grid-template-columns: 1fr auto; gap: 14px 24px; align-items: center; }
.ca-name { margin: 0; font-family: var(--font); font-size: 1.05rem; }
.ca-name .product { font-weight: 400; margin-top: 2px; }
.ca-figs { display: flex; gap: 28px; margin: 0; }
.ca-figs dt, .ca-details dt { font-size: 0.75rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted); }
.ca-figs dd { margin: 2px 0 0; font-weight: 600; }
.ca-figs .ca-bonus { font-size: 1.5rem; letter-spacing: -0.02em; line-height: 1.2; }
.ca-details { display: grid; gap: 14px 28px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); margin: 16px 0 0; padding-top: 16px; border-top: 1px solid var(--line); }
.ca-details dd { margin: 4px 0 0; color: var(--ink-2); font-size: 0.92rem; line-height: 1.55; }
.ca-details .row-checked { display: inline; }
@media (min-width: 861px) { .ca-top { grid-template-columns: 1fr auto auto; } }
@media (max-width: 860px) {
  .ca-top { grid-template-columns: 1fr; }
  .ca-figs { justify-content: space-between; }
  .ca-link .see { width: 100%; justify-content: center; min-height: 44px; }
}
.field > label.check { display: flex; margin: 0; }
@media (max-width: 860px) {
  table.rates td:not(.aer):not(.link-cell) { text-align: right; }
  table.rates td.notes { text-align: left; }
}
@media (max-width: 420px) { .site-nav a { padding: 6px 9px; } .site-nav ul { gap: 0; } }
.disclosure > .table-wrap, .disclosure > .table-wrap:is(div) { overflow-x: auto; background: var(--surface); border: 1px solid var(--line); }
.rb-more > *, .rb > * { min-width: 0; }
@media (min-width: 980px) {
  .explain-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .explain-grid .card-warn { grid-column: span 2; }
}
@media (min-width: 640px) and (max-width: 979px) {
  .explain-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .explain-grid .card-warn { grid-column: span 2; }
}

/* ── newsletter ───────────────────────────────────────── */
.section-tight { padding-bottom: 0; }
.newsletter {
  display: grid; gap: 18px 32px; align-items: center;
  padding: clamp(24px, 4vw, 36px); border-radius: var(--radius);
  background: var(--accent-soft); border: 1px solid color-mix(in srgb, var(--accent) 25%, var(--line));
}
@media (min-width: 900px) { .newsletter { grid-template-columns: 1fr 1fr; } }
.newsletter h2 { font-size: clamp(1.4rem, 2.6vw, 1.75rem); margin-bottom: 8px; }
.newsletter-copy p { margin: 0; color: var(--ink-2); max-width: 52ch; }
.newsletter-row { display: flex; flex-wrap: wrap; gap: 10px; }
.newsletter-row .input-wrap { flex: 1 1 220px; min-height: 46px; background: var(--surface); }
.newsletter-row .btn { flex: none; }
@media (max-width: 480px) { .newsletter-row .btn { width: 100%; } }
.newsletter-msg { margin: 10px 0 0; min-height: 1.5em; font-size: 0.92rem; font-weight: 500; color: var(--ink-2); }
.newsletter-msg[data-state="ok"] { color: var(--accent-ink); }
.newsletter-msg[data-state="error"] { color: var(--warm); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.prose .newsletter { margin-bottom: 8px; }
.prose .newsletter h2 { margin-top: 0; }

/* ── guides ───────────────────────────────────────────── */
.guides-page { padding-top: 32px; padding-bottom: clamp(48px, 8vw, 88px); }
.guide-cards { list-style: none; margin: 0; padding: 0; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); }
.guide-cards li { display: flex; }
.guide-cards .card-link { width: 100%; }
.guide-cards .kicker { margin-bottom: 10px; font-size: 0.8rem; }
.card-title { font-family: var(--font); font-size: 1.15rem; font-weight: 600; letter-spacing: -0.005em; line-height: 1.25; margin: 0 0 8px; }
.page-head .eyebrow a { color: inherit; text-decoration: none; }
.page-head .eyebrow a:hover { text-decoration: underline; }
.guide-meta { margin: 18px 0 0; }
.guide { font-size: 1.04rem; }
.guide h2 { font-size: clamp(1.4rem, 2.6vw, 1.65rem); }
.guide h3 { font-size: 1.12rem; }
.guide p, .guide li { line-height: 1.7; }
.guide li + li { margin-top: 6px; }
.summary-box { margin: 0 0 32px; padding: 20px 24px; border-radius: var(--radius); background: var(--accent-soft); border: 1px solid color-mix(in srgb, var(--accent) 25%, var(--line)); }
.prose .summary-box h2 { font-family: var(--font); font-size: 0.8rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--accent-ink); margin: 0 0 10px; }
.summary-box ul { margin: 0; padding-left: 1.2em; }
.prose .summary-box li { color: var(--ink); }
.guide .callout { margin: 24px 0; padding: 18px 22px; border-radius: var(--radius-sm); background: var(--bg-soft); border: 1px solid var(--line); }
.guide .callout p:last-child { margin: 0; }
.guide .callout-warn { background: var(--warm-soft); border-color: color-mix(in srgb, var(--warm) 30%, var(--line)); }
.guide table { margin: 8px 0 24px; font-size: 0.95rem; border: 1px solid var(--line); border-radius: var(--radius-sm); overflow: hidden; display: table; }
.guide table th, .guide table td { padding: 10px 14px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.guide table thead th { white-space: normal; }
.not-advice { margin: 40px 0 0; padding: 18px 22px; border-radius: var(--radius-sm); border: 1px dashed var(--line-strong); font-size: 0.95rem; }
.not-advice p { margin: 0; }
.related { margin: 32px 0 0; }
.prose .related h2, .prose .sources h2 { font-size: 1.25rem; margin: 0 0 10px; }
.related ul { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.related li + li { margin: 0; }
.related a { display: inline-block; padding: 7px 14px; border-radius: 999px; border: 1px solid var(--line-strong); background: var(--surface); text-decoration: none; font-weight: 500; font-size: 0.92rem; }
.related a:hover { border-color: var(--accent); background: var(--accent-soft); }
.sources { margin: 36px 0 40px; padding-top: 24px; border-top: 1px solid var(--line); }
.sources ol { margin: 0; padding-left: 1.4em; font-size: 0.92rem; }
.sources li { overflow-wrap: anywhere; }
@media (max-width: 560px) { .guide table { font-size: 0.88rem; } .guide table th, .guide table td { padding: 8px 10px; } }

/* compound interest calculator */
.calc { margin: 28px 0 32px; padding: 22px; }
.prose .calc h2 { margin-top: 0; font-size: 1.35rem; }
.calc-form { display: grid; gap: 14px 20px; grid-template-columns: 1fr 1fr; margin: 6px 0 18px; }
@media (max-width: 480px) { .calc-form { grid-template-columns: 1fr; } }
.calc .stats { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 480px) { .calc .stats { grid-template-columns: 1fr; } }
.calc .stats dd.big { font-size: 1.2rem; color: var(--accent-ink); }
.calc-results.stale { opacity: 0.55; }
.prose .calc-line { margin: 12px 0 14px; color: var(--ink-2); font-size: 0.95rem; }
.calc .chart-card figcaption { margin-bottom: 6px; }
.calc .chart svg { overflow: visible; }
.seg-paid, .sw.paid { fill: var(--line-strong); background: var(--line-strong); }
.seg-growth, .sw.growth { fill: var(--accent); background: var(--accent); }
@media (min-width: 900px) { .narrow .newsletter { grid-template-columns: 1fr; } }