/* Everyday Sums - warm, friendly, phone-first */
:root{
  --bg:#fff8f0;          /* warm paper */
  --card:#ffffff;
  --ink:#2b2320;         /* warm near-black */
  --muted:#6f625b;
  --line:#f0e2d3;
  --brand:#e0663a;       /* sunset orange */
  --brand-dark:#b9481f;
  --sun:#ffc94d;         /* sunshine yellow */
  --sun-soft:#fff1c9;
  --peach:#ffe6d6;
  --leaf:#2f8a68;        /* friendly green for good news */
  --leaf-soft:#e3f4ec;
  --radius:20px;
  --head:'Nunito',ui-rounded,system-ui,sans-serif;
  --body:'Nunito Sans',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.55 var(--body)}
img,svg{max-width:100%}
a{color:var(--brand-dark);text-underline-offset:3px}
h1,h2,h3{font-family:var(--head);line-height:1.15;margin:1.4em 0 .45em;text-wrap:balance;font-weight:800}
h1{font-size:clamp(1.65rem,6.2vw,2.6rem);margin-top:.3em;letter-spacing:-.01em}
h2{font-size:1.35rem}
h3{font-size:1.08rem}
.wrap{max-width:760px;margin:0 auto;padding:0 16px}
:focus-visible{outline:3px solid var(--sun);outline-offset:2px}

/* header */
.site-head{background:var(--card);border-bottom:1px solid var(--line)}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:56px}
.logo{display:flex;align-items:center;gap:8px;color:var(--ink);text-decoration:none;font:800 1.15rem var(--head)}
.logo .mark{width:30px;height:30px;flex:none}
.logo small{font:700 .85rem var(--head);color:var(--brand)}
.site-head nav{display:flex;gap:16px}
.site-head nav a{color:var(--ink);text-decoration:none;font-weight:700;font-size:.95rem}
.site-head nav a:hover{color:var(--brand-dark)}

.crumbs{font-size:.82rem;color:var(--muted);margin:12px 0 0}
.crumbs a{color:var(--muted)}
.lede{font-size:1.02rem;color:var(--muted);margin-top:0}
.updated{font-size:.88rem;color:var(--muted)}

.banner{display:flex;gap:10px;align-items:flex-start;background:var(--sun-soft);border-radius:14px;padding:10px 14px;margin:14px 0;font-size:.92rem}
.banner::before{content:"";flex:none;width:16px;height:16px;margin-top:3px;border-radius:50%;background:var(--sun);box-shadow:0 0 0 5px rgba(255,201,77,.35)}

/* form */
.card{background:var(--card);border-radius:var(--radius);padding:16px 14px;box-shadow:0 2px 0 var(--line),0 10px 30px rgba(185,72,31,.06)}
fieldset{border:0;padding:0;margin:0 0 8px}
legend{display:flex;align-items:center;gap:8px;font:800 1.02rem var(--head);padding:0;margin:4px 0 10px}
legend .step{display:grid;place-items:center;width:24px;height:24px;border-radius:50%;background:var(--peach);color:var(--brand-dark);font-size:.95rem}
.field{margin:0 0 13px}
.field label,.field .label{display:block;font-weight:700;margin-bottom:4px;font-size:.95rem}
.hint{display:block;font-size:.82rem;line-height:1.4;color:var(--muted);font-weight:400;margin-top:1px}
.money-wrap{position:relative}
.money-wrap::before{content:"£";position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:700}
input[type=text],select{width:100%;font:inherit;font-size:1rem;padding:10px 13px;border:2px solid var(--line);border-radius:12px;background:#fffdfa;color:var(--ink);transition:border-color .15s}
.money-wrap input{padding-left:28px}
input:focus,select:focus{outline:0;border-color:var(--brand);background:#fff;box-shadow:0 0 0 4px var(--peach)}
.pct-wrap{position:relative;max-width:140px}
.pct-wrap::after{content:"%";position:absolute;right:15px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:700}
.choices{display:flex;flex-wrap:wrap;gap:6px}
.choices label{display:flex;align-items:center;gap:7px;border:2px solid var(--line);border-radius:999px;padding:7px 13px;font-weight:700;font-size:.92rem;cursor:pointer;background:#fffdfa;margin:0;transition:all .15s}
.choices input{accent-color:var(--brand);width:16px;height:16px;margin:0}
.choices label:has(input:checked){border-color:var(--brand);background:var(--peach)}
.check{display:flex;gap:9px;align-items:flex-start;font-weight:700;font-size:.93rem}
.check input{width:20px;height:20px;accent-color:var(--brand);margin-top:3px;flex:none}
details.more{border-top:2px dashed var(--line);margin-top:4px;padding-top:12px}
details.more summary{cursor:pointer;font-weight:800;color:var(--brand-dark);padding:4px 0}
.btn{display:inline-block;font:800 1rem var(--head);background:var(--brand);color:#fff;border:0;border-radius:999px;padding:12px 24px;cursor:pointer;text-decoration:none;box-shadow:0 4px 0 var(--brand-dark);transition:transform .1s,box-shadow .1s}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:translateY(3px);box-shadow:0 1px 0 var(--brand-dark)}
.btn.secondary{background:var(--leaf);box-shadow:0 4px 0 #1f6a4f}

/* results */
.results{margin-top:18px;scroll-margin-top:12px}
.headline{background:var(--sun-soft);border-radius:var(--radius);padding:16px 14px;position:relative;overflow:hidden}
.headline::after{content:"";position:absolute;right:-50px;bottom:-60px;width:170px;height:170px;border-radius:50%;background:var(--sun);opacity:.3}
.headline>*{position:relative;z-index:1}
.headline .label{font-weight:700;color:var(--muted);font-size:.9rem;line-height:1.35}
.headline .big{font:900 clamp(2rem,9.5vw,3rem)/1.05 var(--head);margin:4px 0 12px;color:var(--brand-dark)}
.answer{font:800 clamp(1.3rem,5.4vw,1.75rem)/1.22 var(--head);margin:4px 0 12px;text-wrap:balance}
.answer strong{color:var(--brand-dark);font-weight:900}
.answer small{display:block;font:700 .8rem var(--body);color:var(--muted);margin-top:4px}
.next{background:var(--card);border-radius:var(--radius);margin-top:10px;padding:12px 14px 6px;box-shadow:0 2px 0 var(--line)}
.next h3{margin:0 0 8px;font-size:1.05rem}
.next ol{list-style:none;counter-reset:step;margin:0;padding:0}
.next li{counter-increment:step;position:relative;padding:0 0 10px 34px;font-size:.93rem;line-height:1.45}
.next li::before{content:counter(step);position:absolute;left:0;top:0;width:24px;height:24px;border-radius:50%;background:var(--sun);color:var(--ink);font:900 .82rem/24px var(--head);text-align:center}
.next li strong{font-weight:800}
.partner{scroll-margin-top:12px}
details.workings{background:var(--card);border-radius:var(--radius);margin-top:10px;padding:10px 14px;box-shadow:0 2px 0 var(--line)}
details.workings>summary{cursor:pointer;font:800 .98rem var(--head);color:var(--brand-dark);padding:2px 0}
details.workings[open]>summary{margin-bottom:6px}
details.workings h3{margin:14px 0 4px;font-size:1rem}
details.workings ul.notes{margin:10px 0 2px}
details.more>summary{font-size:.95rem}
details.more{margin-bottom:14px}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.compare div{background:var(--card);border-radius:12px;padding:8px 11px}
.compare span{display:block;font-size:.78rem;line-height:1.3;color:var(--muted)}
.compare strong{font:800 1.15rem var(--head)}
.compare .up{color:var(--brand-dark)}
.compare .good{color:var(--leaf)}
.breakdown.three td{width:28%}
.breakdown.three tr:first-child td{font-weight:800;font-size:.85rem;color:var(--muted);border-bottom:2px solid var(--line)}
.why{margin:10px 0 0;font-size:.93rem}
table.breakdown{width:100%;border-collapse:collapse;margin:6px 0;font-size:.92rem}
.breakdown th,.breakdown td{padding:7px 4px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.breakdown th{font-weight:400}
.breakdown td{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums;font-weight:700}
.breakdown small{display:block;font-weight:400;color:var(--muted);white-space:normal}
.breakdown tr.total th,.breakdown tr.total td{border-bottom:0;border-top:2px solid var(--ink);font-weight:800;font-size:1.06rem}
.panel{background:var(--card);border-radius:var(--radius);padding:4px 14px 10px;margin-top:10px;box-shadow:0 2px 0 var(--line)}
.panel h3{margin-top:12px}
.note{font-size:.94rem;color:var(--muted)}
ul.notes{background:var(--leaf-soft);border-radius:var(--radius);padding:10px 14px 10px 30px;margin:10px 0;font-size:.9rem}
ul.notes li{margin:4px 0}

/* partner / ad slots */
.partner{display:flex;gap:12px;align-items:flex-start;background:var(--leaf-soft);border-radius:var(--radius);padding:14px;margin:20px 0}
.partner .ic{flex:none;width:42px;height:42px}
.partner h3{margin:0 0 6px}
.partner p{margin:0 0 10px;font-size:.93rem}
.ad-slot{margin:26px 0}

/* content */
.content{margin-top:10px}
.content ul{padding-left:22px}
.content li{margin:6px 0}
.content .breakdown td{white-space:normal}
.example{background:var(--card);border-radius:var(--radius);padding:4px 14px 8px;box-shadow:0 2px 0 var(--line)}
.example .who{display:flex;align-items:center;gap:12px;margin-top:12px}
.example .who svg{flex:none;width:38px;height:38px}
.faq details{background:var(--card);border-radius:14px;padding:11px 14px;margin:8px 0;box-shadow:0 2px 0 var(--line)}
.faq summary{font-weight:800;cursor:pointer;font-family:var(--head)}
.faq details[open] summary{color:var(--brand-dark)}
.sources li{margin:4px 0}
.disclaimer{font-size:.9rem;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:30px}

/* home */
.hero{display:grid;gap:10px;align-items:center;padding:18px 0 4px}
.hero h1{margin:0 0 .3em}
.hero .lede{margin-bottom:14px}
.hero-art{width:100%;max-width:190px;justify-self:center}
.promises{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}
.promises li{background:var(--card);border-radius:999px;padding:5px 11px;font-weight:700;font-size:.82rem;box-shadow:0 2px 0 var(--line)}
.promises li::before{content:"✓ ";color:var(--leaf);font-weight:900}
.tiles{display:grid;gap:10px;margin:12px 0}
.tile{display:flex;gap:12px;align-items:flex-start;background:var(--card);border-radius:16px;padding:13px 14px;text-decoration:none;color:var(--ink);box-shadow:0 2px 0 var(--line);transition:transform .15s,box-shadow .15s}
.tile:hover{transform:translateY(-2px);box-shadow:0 2px 0 var(--line),0 12px 28px rgba(185,72,31,.1)}
.tile .ic{flex:none;width:44px;height:44px}
.tile h3{margin:0 0 4px}
.tile p{margin:0;color:var(--muted);font-size:.88rem;line-height:1.45}
.tile .tag{display:inline-block;font-size:.7rem;font-weight:800;background:var(--peach);color:var(--brand-dark);padding:1px 8px;border-radius:999px;margin-bottom:3px}
.tile.soon{opacity:.75}
.tile.soon .tag{background:var(--line);color:var(--muted)}
.tile.soon:hover{transform:none;box-shadow:0 2px 0 var(--line)}
.why-us{display:grid;gap:12px;margin:14px 0;padding:0;list-style:none}
.why-us li{background:var(--card);border-radius:14px;padding:11px 14px;font-size:.93rem;box-shadow:0 2px 0 var(--line)}
.sister{background:var(--sun-soft);border-radius:var(--radius);padding:16px 18px}

.site-foot{margin-top:40px;background:var(--ink);color:#e9ded6;padding:28px 0;font-size:.92rem}
.site-foot a{color:#fff;margin-right:16px}

@media (min-width:640px){
  body{font-size:17px}
  .card{padding:24px 26px}
  .headline{padding:20px 22px}
  .panel{padding:6px 22px 12px}
  .hero-art{max-width:280px}
  .tile .ic{width:52px;height:52px}
  .row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
  .hero{grid-template-columns:1.3fr 1fr}
  .why-us{grid-template-columns:repeat(3,1fr)}
}
@media (max-width:420px){.logo small{display:none}.site-head nav{gap:12px}.site-head nav a{font-size:.9rem}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}

/* ---- What to do now: stand-out box ---- */
.next{background:#246f53;color:#fff;padding:16px 16px 8px;box-shadow:0 8px 22px rgba(47,138,104,.28);border-radius:var(--radius)}
.next h3{display:flex;align-items:center;gap:10px;color:#fff;font-size:1.25rem;margin:0 0 12px}
.next-ic{width:36px;height:36px;flex:none}
.next li{font-size:.96rem;color:#eafaf3}
.next li strong{color:#fff}
.next li::before{background:var(--sun);color:var(--ink)}
.next a{color:var(--sun);font-weight:700}
.next .tick{stroke-dasharray:30;stroke-dashoffset:0}
.next.go .tick{animation:draw .7s .15s ease-out both}
.next.go .next-ic{animation:wiggle .9s .6s ease-in-out}
.next.go li{animation:rise .4s ease-out both}
.next.go li:nth-child(2){animation-delay:.08s}
.next.go li:nth-child(3){animation-delay:.16s}
.next.go li:nth-child(4){animation-delay:.24s}
@keyframes draw{from{stroke-dashoffset:30}to{stroke-dashoffset:0}}
@keyframes wiggle{0%,100%{transform:rotate(0)}25%{transform:rotate(-10deg) scale(1.08)}55%{transform:rotate(8deg) scale(1.08)}80%{transform:rotate(-3deg)}}
@keyframes rise{from{transform:translateY(6px);opacity:.35}to{transform:none;opacity:1}}
@media (prefers-reduced-motion:reduce){.next.go .tick,.next.go .next-ic,.next.go li{animation:none}}

/* ---- Bars ---- */
.bars{background:var(--card);border-radius:var(--radius);margin-top:10px;padding:14px 14px 8px;box-shadow:0 2px 0 var(--line)}
.bar+.bar{margin-top:14px}
.bar-title{font:800 .98rem var(--head);margin-bottom:8px}
.bar-track{display:flex;gap:2px;height:22px;border-radius:6px;overflow:visible}
.bar-track .seg:first-child{border-radius:6px 0 0 6px}
.bar-track .seg:last-child{border-radius:0 6px 6px 0}
.bar-track .seg:only-child{border-radius:6px}
.seg{position:relative;display:block;min-width:3px;height:100%;cursor:default;outline:none}
.seg:focus-visible{box-shadow:0 0 0 2px var(--card),0 0 0 4px var(--ink)}
.bar-legend li{transition:opacity .15s}
.bar.hl .bar-legend li{opacity:.35}
.bar.hl .bar-legend li.on{opacity:1;font-weight:700}
.bar.hl .seg{opacity:.4}
.bar.hl .seg.on{opacity:1}
.bar-legend{list-style:none;margin:10px 0 0;padding:0;display:grid;gap:4px 14px;grid-template-columns:1fr}
.bar-legend li{display:flex;align-items:center;gap:7px;font-size:.88rem;color:var(--ink)}
.bar-legend i{width:12px;height:12px;border-radius:3px;flex:none}
.bar-legend b{margin-left:auto;font-variant-numeric:tabular-nums}
.bar-legend span{color:var(--muted);font-size:.8rem;min-width:34px;text-align:right;font-variant-numeric:tabular-nums}
.cmp{margin:8px 0}
.cmp-head{display:flex;justify-content:space-between;font-size:.88rem;margin-bottom:4px}
.cmp-head b{font-variant-numeric:tabular-nums}
.cmp-track{height:18px;background:var(--bg);border-radius:5px}
.cmp-track .seg{border-radius:5px}
@media (min-width:640px){.bar-legend{grid-template-columns:1fr 1fr}}

.bar-legend a.open-more{font-size:.8rem;margin-left:4px}
.why a.open-more{white-space:nowrap}