/* Site colours checked for contrast (see README) */
:root{
  --text:#1f2328; --muted:#3d4650; --bg:#fbf7f1; --surface:#ffffff; --soft:#f1ece3;
  --teal:#0b3b45; --teal-mid:#0e5864; --link:#0b5563; --accent:#f4b860; --accent-soft:#fdf0db;
  --border:#5d6670; --line:#ddd5c8; --focus:#f4b860; --good:#0a5c2b; --bad:#9b1c1c;
  --radius:16px; --shadow:0 2px 4px rgba(31,35,40,.06),0 8px 24px rgba(31,35,40,.08);
}
*{box-sizing:border-box}
html{font-size:125%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.6;overflow-wrap:anywhere}
.wrap{max-width:60rem;margin:0 auto;padding:0 1rem}
@media (min-width:48rem){.wrap{padding:0 1.5rem}}
a{color:var(--link);text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:.18em}
a:hover{color:var(--teal);text-decoration-thickness:3px}
:focus-visible{outline:4px solid var(--focus);outline-offset:3px;box-shadow:0 0 0 8px var(--teal);border-radius:4px}
.skip{position:absolute;left:-9999px;top:.5rem;background:var(--accent);color:var(--text);padding:.75rem 1.25rem;z-index:10;font-weight:700;border-radius:8px}
.skip:focus{left:1rem}
/* Header */
.site-header{background:linear-gradient(135deg,var(--teal) 0%,#0d4a55 100%);color:#fff;padding:.9rem 0 1rem;box-shadow:0 4px 16px rgba(11,59,69,.25)}
.site-header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.75rem}
.brand{display:inline-flex;align-items:center;gap:.6rem;color:#fff;text-decoration:none;font-size:1.3rem;font-weight:600;letter-spacing:-.01em}
.brand b{color:var(--accent);font-weight:800}
.brand:hover{color:#fff}
.nav{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.4rem}
.nav a{display:inline-flex;align-items:center;min-height:48px;padding:.4rem .9rem;color:#fff;text-decoration:none;font-weight:600;border-radius:999px;border:2px solid rgba(255,255,255,.55)}
.nav a:hover{background:#fff;color:var(--teal)}
/* Type */
h1{font-size:2rem;line-height:1.2;margin:1.5rem 0 .6rem;color:var(--teal);letter-spacing:-.02em}
h2{font-size:1.4rem;line-height:1.3;margin:2rem 0 .75rem;color:var(--teal)}
h3{font-size:1.1rem;margin:.5rem 0 .25rem}
.lead{font-size:1.15rem;color:var(--muted);max-width:40em}
main{padding-bottom:1rem}
/* Buttons */
.btn,button{display:inline-flex;align-items:center;justify-content:center;font:inherit;font-weight:700;min-height:56px;min-width:8rem;padding:.6rem 1.5rem;border-radius:999px;border:3px solid var(--teal);background:var(--teal);color:#fff;text-decoration:none;cursor:pointer;margin:.25rem .5rem .25rem 0;box-shadow:0 2px 6px rgba(11,59,69,.2)}
.btn:hover,button:hover{background:var(--teal-mid);border-color:var(--teal-mid);color:#fff}
.btn-accent{background:var(--accent);border-color:var(--accent);color:var(--text)}
.btn-accent:hover{background:#f7c983;border-color:#f7c983;color:var(--text)}
.btn-light{background:#fff;border-color:#fff;color:var(--teal)}
.btn-light:hover{background:var(--accent-soft);border-color:var(--accent-soft);color:var(--teal)}
button.secondary{background:#fff;color:var(--teal)}
button.secondary:hover{background:var(--accent-soft);color:var(--teal)}
/* Cards */
.cards{list-style:none;padding:0;margin:0;display:grid;gap:1rem}
@media (min-width:40rem){.cards{grid-template-columns:repeat(2,1fr)}}
@media (min-width:62rem){.cards{grid-template-columns:repeat(3,1fr)}}
.card{position:relative;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.25rem;box-shadow:var(--shadow)}
.card:hover{border-color:var(--teal-mid)}
.card:focus-within{outline:4px solid var(--focus);outline-offset:3px}
.card h3 a{text-decoration:none;color:var(--teal)}
.card h3 a::after{content:"";position:absolute;inset:0;border-radius:var(--radius)}
.card h3 a:focus-visible{outline:none;box-shadow:none}
.card h3 a:hover{text-decoration:underline}
.card p{margin:.25rem 0 0;color:var(--muted)}
.icon{display:block;width:52px;height:52px;padding:10px;border-radius:14px;background:var(--accent-soft);color:var(--teal)}
/* Panels and notes */
.note{background:var(--accent-soft);border:1px solid #ecd3a8;border-left:8px solid var(--accent);border-radius:12px;padding:.85rem 1.1rem}
/* Forms */
form.calc{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:.5rem 1.25rem 1.25rem;box-shadow:var(--shadow)}
fieldset{border:1px solid var(--line);border-radius:12px;margin:1rem 0;padding:.5rem 1rem 1rem;min-width:0;background:#fffdfa}
legend{font-weight:700;font-size:1.1rem;padding:0 .4rem;color:var(--teal)}
.cols{display:grid;gap:0 1rem}
@media (min-width:50rem){.cols{grid-template-columns:1fr 1fr}}
.field{margin:.75rem 0}
label{display:block;font-weight:700}
.hint{display:block;font-size:.9rem;color:var(--muted)}
input[type=number],select{font:inherit;width:100%;max-width:100%;min-height:56px;padding:.4rem .75rem;border:2px solid var(--border);border-radius:10px;background:#fff;color:var(--text)}
input[type=number]:hover,select:hover{border-color:var(--teal)}
.buttons{margin-top:.5rem}
/* Results */
.result{background:var(--surface);border:1px solid var(--line);border-top:8px solid var(--teal);border-radius:var(--radius);padding:.25rem 1.25rem 1rem;margin:1.5rem 0;box-shadow:var(--shadow)}
.result h2{margin-top:1rem}
.result table{border-collapse:collapse;width:100%;margin-top:.5rem}
.result th,.result td{text-align:left;padding:.6rem .25rem;border-bottom:1px solid var(--line);vertical-align:top}
.result tr:last-child th,.result tr:last-child td{border-bottom:0;font-weight:700}
.result td.num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}
.big{font-size:1.3rem;font-weight:700;background:var(--soft);border-radius:12px;padding:.75rem 1rem;margin:.75rem 0}
.big.good{color:var(--good);background:#e8f3ec}
.big.bad{color:var(--bad);background:#fbeaea}
.good{color:var(--good)}.bad{color:var(--bad)}
/* Ads */
.ad-slot{border:2px dashed #b9b0a2;background:var(--soft);border-radius:12px;min-height:90px;display:flex;align-items:center;justify-content:center;margin:1.25rem 0;text-align:center;padding:.5rem;color:var(--muted)}
.ad-slot p{margin:0;font-size:.85rem}
.ad-label{display:inline-block;font-weight:700;text-transform:uppercase;letter-spacing:.06em;font-size:.75rem;border:1px solid var(--border);border-radius:4px;padding:0 .35rem;margin-right:.35rem;color:var(--text)}
/* Checklist */
.checklist{list-style:none;padding:0;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden}
.checklist li{display:flex;gap:.9rem;align-items:flex-start;padding:.85rem 1rem;border-bottom:1px solid var(--line)}
.checklist li:last-child{border-bottom:0}
.checklist li:has(input:checked){background:#e8f3ec}
.checklist input{width:32px;height:32px;flex:0 0 32px;margin-top:.1rem;accent-color:var(--teal)}
.checklist label{font-weight:400}
#progress{font-weight:700;font-size:1.1rem;color:var(--teal)}
/* Guides */
.topic{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:.25rem 1.25rem .75rem;margin:1rem 0;box-shadow:var(--shadow)}
.status{display:inline-block;font-weight:700;padding:.1rem .7rem;border:2px solid var(--bad);color:var(--bad);border-radius:999px;background:#fff}
.status.ok{border-color:var(--good);color:var(--good)}
nav[aria-label="Topics in this guide"] ul{columns:2 14rem}
.country-select{background:var(--surface);border:1px solid var(--line);border-left:8px solid var(--accent);border-radius:var(--radius);padding:1.1rem 1.25rem;margin:1.25rem 0;box-shadow:var(--shadow)}
.country-select label{font-size:1.15rem;color:var(--teal)}
.pick-row{display:flex;flex-wrap:wrap;gap:.5rem;align-items:center;margin-top:.5rem}
.pick-row select{flex:1 1 14rem;font-size:1.1rem}
.pick-row button{margin:0}
/* Footer */
.site-footer{background:var(--teal);color:#fff;margin-top:2.5rem;padding:1.75rem 0 1.25rem}
.site-footer a{color:#fff}
.site-footer a:hover{color:var(--accent)}
.disclaimer{background:rgba(255,255,255,.08);border-radius:12px;padding:1rem 1.1rem;margin-top:0}
.foot-links{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.25rem 1.5rem}
.foot-links a{display:inline-flex;min-height:48px;align-items:center}
.foot-brand{display:flex;align-items:center;gap:.6rem;font-size:.95rem}

/* Full-width bands */
.band{padding:2.25rem 0}
@media (min-width:48rem){.band{padding:3.25rem 0}}
.band h2:first-child{margin-top:0}
.band-page{padding-top:.5rem}
.band-cream{background:var(--soft)}
.band-white{background:var(--surface)}
.band-accent{background:var(--accent-soft);border-top:1px solid #ecd3a8;border-bottom:1px solid #ecd3a8}
.band-teal{background:var(--teal);color:#fff}
.band-teal h2{color:#fff}
.band-teal .country-select{color:var(--text);margin:0}
.band-hero{background:radial-gradient(circle at 85% 20%,#14707e 0,transparent 50%),linear-gradient(135deg,var(--teal) 0%,#0e5160 100%);color:#fff}
.band-hero h1{color:#fff;font-size:2.1rem;margin-top:0}
.band-hero .lead{color:#fff;max-width:32em}
.hero-grid{display:grid;gap:1.5rem;align-items:center}
.hero-art{width:100%;max-width:220px;height:auto;justify-self:center}
.hero-pic{display:block;justify-self:center;width:100%;max-width:280px}.hero-pic .hero-photo{display:block;max-width:100%;height:auto;border-radius:1rem}
.cta{display:flex;flex-wrap:wrap;gap:.75rem;margin:1.5rem 0 0}
@media (min-width:48rem){.band-hero{padding:4rem 0}.hero-grid{grid-template-columns:3fr 2fr}.hero-art{max-width:400px}.hero-pic{max-width:440px}.band-hero h1{font-size:2.5rem}}
@media (min-width:75rem){.band-hero h1{font-size:2.9rem}}
.steps{list-style:none;padding:0;margin:0;display:grid;gap:1rem;counter-reset:none}
@media (min-width:48rem){.steps{grid-template-columns:repeat(3,1fr)}}
.step{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.25rem;box-shadow:var(--shadow)}
.step-num{display:inline-flex;align-items:center;justify-content:center;width:52px;height:52px;border-radius:50%;background:var(--teal);color:#fff;font-weight:800;font-size:1.3rem}
.step p{margin:.25rem 0 0;color:var(--muted)}
.picker-grid,.split{display:grid;gap:1.25rem;align-items:center}
@media (min-width:48rem){.picker-grid{grid-template-columns:2fr 3fr}.split{grid-template-columns:2fr 1fr}.split p:last-child{justify-self:end}}
.trust{list-style:none;padding:0;margin:0;display:grid;gap:1rem}
@media (min-width:40rem){.trust{grid-template-columns:repeat(2,1fr)}}
@media (min-width:62rem){.trust{grid-template-columns:repeat(4,1fr)}}
.trust li{border-top:6px solid var(--accent);background:var(--soft);border-radius:12px;padding:.75rem 1rem}
.trust h3{color:var(--teal);margin-top:.25rem}
.trust p{margin:.25rem 0 0}
/* Inner pages */
@media (min-width:64rem){
 .calc-layout{display:grid;grid-template-columns:minmax(0,3fr) minmax(0,2fr);gap:1.5rem;align-items:start}
 .calc-side{position:sticky;top:1rem}
 .calc-side .result{margin-top:0}
 .checklist{display:grid;grid-template-columns:1fr 1fr}
 .checklist li:nth-last-child(2){border-bottom:0}
 #guide{display:grid;grid-template-columns:1fr 1fr;gap:0 1.25rem;align-items:start}
 #guide>nav{grid-column:1/-1}
 .legal-layout{display:grid;grid-template-columns:minmax(0,2fr) minmax(0,1fr);gap:2rem;align-items:start}
}
@media (min-width:48rem) and (max-width:63.99rem){.calc-layout .cols{grid-template-columns:1fr 1fr}}
.prose{max-width:42em}
.side-box{background:var(--surface);border:1px solid var(--line);border-top:6px solid var(--teal);border-radius:var(--radius);padding:.25rem 1.25rem 1rem;box-shadow:var(--shadow)}
.privacy-note{color:var(--muted)}
.band-tight{padding:1.75rem 0}
.home-currency{margin:0;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1rem 1.25rem;box-shadow:var(--shadow)}
#site-currency-status{margin:.4rem 0 0;font-weight:700;color:var(--teal)}
#site-currency-status:empty{display:none}
.currency-pair{display:grid;gap:0 1rem;background:var(--accent-soft);border:1px solid #ecd3a8;border-radius:12px;padding:0 1rem;margin:1rem 0}
@media (min-width:40rem){.currency-pair{grid-template-columns:1fr 1fr}}
.band-ad{padding:.25rem 0}

.unofficial{color:#7a4b00;background:#fff3d6;padding:0 .25em;border-radius:3px}
.flag{color:#7a1f00;background:#ffe4d6;padding:0 .25em;border-radius:3px}