*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --pink:       #ff386b;
  --pink-dark:  #d4204f;
  --pink-deep:  #b81a43;
  --pink-soft:  #fff0f4;
  --charcoal:   #1a1a2e;
  --mid:        #4a4a6a;
  --light:      #f7f7fb;
  --white:      #ffffff;
  --green:      #00c27a;
  --radius:     14px;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  background: var(--white);
  color: var(--charcoal);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

:focus-visible { outline: 3px solid var(--pink-dark); outline-offset: 2px; }

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--charcoal);
  color: var(--white);
  padding: 0.6rem 1rem;
  z-index: 200;
}
.skip-link:focus { left: 0; }

.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
}

/* ── HEADER ── */
.site-header {
  background: var(--white);
  border-bottom: 1px solid #eee;
  position: sticky;
  top: 0;
  z-index: 100;
}

.site-header .bar {
  max-width: 1040px;
  margin: 0 auto;
  padding: 0.8rem 1.5rem;
  display: flex;
  align-items: center;
  gap: 0.6rem 1.5rem;
  flex-wrap: wrap;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
  color: inherit;
}

.logo-mark {
  width: 32px; height: 32px;
  background: var(--pink);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
}

.logo-text {
  font-weight: 900;
  font-size: 1.1rem;
  color: var(--charcoal);
  letter-spacing: -0.03em;
}

.logo-text span { color: var(--pink-dark); }

.main-nav {
  display: flex;
  gap: 0.4rem 1.3rem;
  margin-left: auto;
  flex-wrap: wrap;
}

.main-nav a {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--mid);
  text-decoration: none;
}

.main-nav a:hover,
.main-nav a[aria-current="page"] { color: var(--pink-dark); }

/* ── HERO ── */
.hero {
  background: linear-gradient(135deg, var(--charcoal) 0%, #2d1b4e 100%);
  color: var(--white);
  padding: 4.5rem 1.5rem 3.5rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 320px; height: 320px;
  background: radial-gradient(circle, rgba(255,56,107,0.25) 0%, transparent 70%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -60px; left: -60px;
  width: 240px; height: 240px;
  background: radial-gradient(circle, rgba(0,194,122,0.15) 0%, transparent 70%);
  pointer-events: none;
}

.hero-eyebrow {
  display: inline-block;
  background: rgba(255,56,107,0.2);
  color: #ffa3b9;
  border: 1px solid rgba(255,56,107,0.3);
  border-radius: 100px;
  padding: 0.3rem 1rem;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
  position: relative;
}

.hero h1 {
  font-size: clamp(2.1rem, 6vw, 3.6rem);
  font-weight: 900;
  letter-spacing: -0.04em;
  line-height: 1.08;
  margin-bottom: 1.2rem;
  position: relative;
}

.hero h1 .amount {
  color: var(--pink);
  display: block;
}

.hero-sub {
  font-size: clamp(1rem, 2.5vw, 1.2rem);
  color: rgba(255,255,255,0.8);
  max-width: 640px;
  text-wrap: balance;
  margin: 0 auto 2.2rem;
  position: relative;
}

.cta-btn {
  display: inline-block;
  background: var(--pink-dark);
  color: var(--white);
  font-weight: 700;
  font-size: 1.05rem;
  padding: 1rem 2.2rem;
  border-radius: 100px;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
  position: relative;
}

.cta-btn:hover {
  background: var(--pink-deep);
  transform: translateY(-2px);
}

.cta-btn:focus-visible {
  outline: 3px solid var(--white);
  box-shadow: 0 0 0 6px var(--pink-dark);
}

.cta-note {
  margin-top: 0.9rem;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.75);
  position: relative;
}

.ref-box {
  display: inline-flex;
  flex-wrap: wrap;
  gap: 0.3rem 0.7rem;
  align-items: center;
  justify-content: center;
  margin-top: 1.4rem;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 100px;
  padding: 0.5rem 1.1rem;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.85);
  position: relative;
}

.ref-box code {
  font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  color: var(--white);
  font-weight: 600;
  font-size: 0.88rem;
  word-break: break-all;
}

.hero-disclosure {
  max-width: 520px;
  margin: 1.2rem auto 0;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.75);
  position: relative;
}

/* ── TRUST BAR ── */
.trust-bar {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1.5rem 2.5rem;
  padding: 2rem 1.5rem;
  border-bottom: 1px solid #eee;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--mid);
}

.trust-item .icon { font-size: 1.1rem; }
.trust-item a { color: var(--mid); text-decoration-color: #c8c8dc; text-underline-offset: 3px; }
.trust-item a:hover { color: var(--pink-dark); }

/* ── SECTIONS (homepage) ── */
.section {
  padding: 3.5rem 1.5rem;
  max-width: 860px;
  margin: 0 auto;
}

.section-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--pink-dark);
  margin-bottom: 0.6rem;
}

.section h2 {
  font-size: clamp(1.6rem, 4vw, 2.2rem);
  font-weight: 900;
  letter-spacing: -0.03em;
  margin-bottom: 2rem;
  color: var(--charcoal);
  line-height: 1.15;
}

.quick-answer {
  background: var(--pink-soft);
  border: 1px solid #ffd6e0;
  border-left: 4px solid var(--pink-dark);
  border-radius: var(--radius);
  padding: 1.4rem 1.5rem;
}

.quick-answer h2 {
  font-size: clamp(1.25rem, 3vw, 1.6rem);
  margin-bottom: 0.7rem;
}

.quick-answer p { font-size: 1rem; color: #2c2c44; line-height: 1.7; }
.quick-answer p + p { margin-top: 0.8rem; }
.quick-answer code,
.prose code {
  font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  background: rgba(26,26,46,0.07);
  border-radius: 6px;
  padding: 0.1rem 0.4rem;
  font-size: 0.92em;
  word-break: break-all;
}

.steps {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
}

.step {
  background: var(--light);
  border-radius: var(--radius);
  padding: 1.8rem 1.5rem;
  position: relative;
}

.step-num {
  font-size: 2.5rem;
  font-weight: 900;
  color: var(--pink);
  opacity: 0.25;
  line-height: 1;
  margin-bottom: 0.8rem;
  letter-spacing: -0.04em;
}

.step h3 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
  color: var(--charcoal);
}

.step p {
  font-size: 0.9rem;
  color: var(--mid);
  line-height: 1.55;
}

.step a { color: var(--pink-dark); }

/* ── CREDIT BREAKDOWN ── */
.credit-strip {
  background: var(--pink-soft);
  border-top: 1px solid #ffd6e0;
  border-bottom: 1px solid #ffd6e0;
  padding: 3rem 1.5rem;
}

.credit-inner {
  max-width: 860px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  align-items: center;
}

.credit-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 2rem;
  text-align: center;
  border: 2px solid #ffd6e0;
}

.credit-card .big {
  font-size: 3rem;
  font-weight: 900;
  color: var(--pink-dark);
  letter-spacing: -0.04em;
  line-height: 1;
}

.credit-card .label {
  font-size: 0.85rem;
  color: var(--mid);
  margin-top: 0.4rem;
}

.credit-text h2 {
  font-size: clamp(1.4rem, 3vw, 1.9rem);
  font-weight: 900;
  letter-spacing: -0.03em;
  margin-bottom: 0.8rem;
}

.credit-text p {
  font-size: 0.95rem;
  color: var(--mid);
  line-height: 1.6;
}

/* ── GUIDE CARDS ── */
.guide-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.2rem;
  list-style: none;
}

.guide-card {
  display: block;
  height: 100%;
  background: var(--light);
  border: 1px solid transparent;
  border-radius: var(--radius);
  padding: 1.4rem 1.3rem;
  text-decoration: none;
  color: inherit;
  transition: border-color 0.2s, transform 0.15s;
}

.guide-card:hover { border-color: #ffd6e0; transform: translateY(-2px); }
.guide-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 0.35rem; color: var(--charcoal); }
.guide-card p { font-size: 0.88rem; color: var(--mid); line-height: 1.5; }

/* ── FAQ ── */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.faq-item {
  border: 1px solid #e8e8f0;
  border-radius: var(--radius);
  overflow: hidden;
}

.faq-item summary {
  position: relative;
  list-style: none;
  cursor: pointer;
  padding: 1.2rem 3.2rem 1.2rem 1.5rem;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--charcoal);
}

.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover { background: var(--light); }

.faq-icon {
  position: absolute;
  right: 1.5rem;
  top: 1.05rem;
  font-size: 1.3rem;
  line-height: 1.2;
  color: var(--pink-dark);
  transition: transform 0.2s;
}

.faq-item[open] .faq-icon { transform: rotate(45deg); }

.faq-a {
  padding: 0 1.5rem 1.2rem;
  font-size: 0.92rem;
  color: var(--mid);
  line-height: 1.7;
}

.faq-a a { color: var(--pink-dark); }

/* ── BOTTOM CTA ── */
.bottom-cta {
  background: linear-gradient(135deg, var(--charcoal) 0%, #2d1b4e 100%);
  color: var(--white);
  text-align: center;
  padding: 4rem 1.5rem;
}

.bottom-cta h2 {
  font-size: clamp(1.8rem, 5vw, 2.8rem);
  font-weight: 900;
  letter-spacing: -0.04em;
  margin-bottom: 0.8rem;
}

.bottom-cta p {
  color: rgba(255,255,255,0.78);
  margin: 0 auto 2rem;
  max-width: 520px;
  font-size: 1rem;
}

.bottom-cta .cta-note { margin-top: 1rem; margin-bottom: 0; }

/* ── SOURCES ── */
.sources {
  font-size: 0.85rem;
  color: var(--mid);
  border-top: 1px solid #eee;
  margin-top: 2.5rem;
  padding-top: 1.2rem;
}

.sources h2 { font-size: 0.95rem; font-weight: 700; margin: 0 0 0.5rem; letter-spacing: 0; color: var(--charcoal); }
.sources ul { margin-left: 1.1rem; }
.sources li { margin-bottom: 0.3rem; }
.sources a { color: var(--pink-dark); }

.section .sources { margin-top: 0; }

/* ── ARTICLE PAGES ── */
.page {
  max-width: 780px;
  margin: 0 auto;
  padding: 2.5rem 1.5rem 3.5rem;
}

.breadcrumb { font-size: 0.82rem; color: var(--mid); margin-bottom: 1.2rem; }
.breadcrumb a { color: var(--mid); }
.breadcrumb a:hover { color: var(--pink-dark); }

.page h1 {
  font-size: clamp(1.9rem, 5vw, 2.8rem);
  font-weight: 900;
  letter-spacing: -0.04em;
  line-height: 1.1;
  margin-bottom: 0.9rem;
}

.meta-line { font-size: 0.82rem; color: var(--mid); margin-bottom: 0.4rem; }

.disclosure {
  font-size: 0.82rem;
  color: var(--mid);
  background: var(--light);
  border-radius: 10px;
  padding: 0.6rem 0.9rem;
  margin: 0.8rem 0 1.6rem;
}

.prose h2 {
  font-size: clamp(1.35rem, 3vw, 1.7rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.2;
  margin: 2.4rem 0 0.8rem;
}

.prose h3 { font-size: 1.05rem; font-weight: 700; margin: 1.4rem 0 0.4rem; }
.prose p, .prose li { font-size: 1rem; color: #2c2c44; line-height: 1.7; }
.prose p { margin-bottom: 1rem; }
.prose ul, .prose ol { margin: 0 0 1.2rem 1.3rem; }
.prose li { margin-bottom: 0.45rem; }
.prose a { color: var(--pink-dark); text-underline-offset: 2px; }
.prose a:hover { color: var(--pink-deep); }

.page .quick-answer { margin: 0 0 1.5rem; }

.callout {
  background: var(--light);
  border-radius: var(--radius);
  padding: 1rem 1.2rem;
  margin: 1.2rem 0;
  font-size: 0.92rem;
  color: var(--mid);
}

.table-wrap {
  overflow-x: auto;
  margin: 1rem 0 1.5rem;
  border: 1px solid #e8e8f0;
  border-radius: var(--radius);
}

.table-wrap table {
  border-collapse: collapse;
  width: 100%;
  min-width: 600px;
  font-size: 0.9rem;
}

.table-wrap th,
.table-wrap td {
  padding: 0.75rem 0.9rem;
  text-align: left;
  vertical-align: top;
  border-bottom: 1px solid #eee;
  color: #2c2c44;
  line-height: 1.5;
}

.table-wrap thead th { background: var(--light); font-weight: 700; }
.table-wrap tbody th { font-weight: 600; background: #fcfcfe; }
.table-wrap tr:last-child th,
.table-wrap tr:last-child td { border-bottom: 0; }

.cta-box {
  background: linear-gradient(135deg, var(--charcoal) 0%, #2d1b4e 100%);
  color: var(--white);
  border-radius: var(--radius);
  padding: 2rem 1.6rem;
  text-align: center;
  margin: 2.5rem 0;
}

.cta-box h2 { font-size: 1.5rem; font-weight: 900; letter-spacing: -0.03em; margin-bottom: 0.5rem; }
.cta-box p { color: rgba(255,255,255,0.8); margin: 0 auto 1.4rem; max-width: 480px; font-size: 0.95rem; }
.cta-box .cta-note { margin-top: 1rem; margin-bottom: 0; }

.related h2 { font-size: 1.3rem; font-weight: 800; letter-spacing: -0.02em; margin: 2.5rem 0 1rem; }

/* ── FOOTER ── */
.site-footer {
  background: var(--light);
  border-top: 1px solid #e8e8f0;
  padding: 1.5rem;
  text-align: center;
  font-size: 0.78rem;
  color: var(--mid);
  line-height: 1.7;
}

.site-footer a { color: var(--pink-dark); }

.footer-nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.3rem 1.3rem;
  margin-bottom: 0.9rem;
  font-size: 0.85rem;
  font-weight: 600;
}

.site-footer p + p { margin-top: 0.4rem; }

/* ── RESPONSIVE ── */
@media (max-width: 700px) {
  .site-header { position: static; }
  .main-nav { margin-left: 0; width: 100%; flex-wrap: nowrap; overflow-x: auto; gap: 1rem; padding-bottom: 0.2rem; }
  .main-nav a { white-space: nowrap; }
}

@media (max-width: 560px) {
  .credit-inner { grid-template-columns: 1fr; }
  .credit-card { padding: 1.5rem; }
  .hero { padding: 3.5rem 1.2rem 3rem; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .cta-btn, .guide-card, .faq-icon { transition: none; }
}

/* ── NON-UK MESSAGE ── */
#non-uk-message {
  display: none;
  min-height: 100vh;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 2rem 1.5rem;
  font-size: clamp(1.2rem, 4vw, 1.8rem);
  font-weight: 700;
  color: var(--charcoal);
}

body.non-uk #non-uk-message { display: flex; }
body.non-uk > *:not(#non-uk-message):not(script) { display: none !important; }