/* Thai Savings Guide — base styles
   Palette and type taken from the brand identity brief. */

:root {
  --navy: #062B49;
  --navy-80: #2B4B66;
  --navy-60: #51687D;
  --green: #4DBF2B;
  --green-text: #2E8F14;   /* darker green for small text on white (contrast) */
  --orange: #F5A623;
  --teal: #12B8C5;
  --teal-text: #0B7F89;    /* teal for links on white (contrast) */
  --yellow: #FFE37A;
  --white: #FFFFFF;
  --paper: #FAF8F4;        /* the one off-white used to break up sections */
  --rule: #E3E6EA;
  --rule-strong: #C9CFD6;

  --f-head: "Montserrat", system-ui, sans-serif;
  --f-body: "Source Sans 3", system-ui, sans-serif;

  --wrap: 1200px;
  --gutter: clamp(16px, 4vw, 40px);
}

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

html { -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  background: var(--white);
  color: var(--navy);
  font-family: var(--f-body);
  font-size: 18px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

a { color: var(--teal-text); text-underline-offset: 3px; }
a:hover { color: var(--navy); }

h1, h2, h3, h4 {
  font-family: var(--f-head);
  color: var(--navy);
  margin: 0;
  line-height: 1.15;
  letter-spacing: -0.01em;
}

p { margin: 0 0 1em; }

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

.label {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--navy-60);
}

.label--accent::before {
  content: "";
  display: inline-block;
  width: 24px;
  height: 2px;
  background: var(--orange);
  vertical-align: middle;
  margin-right: 12px;
  transform: translateY(-2px);
}

.save { color: var(--green-text); font-weight: 600; }

/* ---------- Header ---------- */

.site-header {
  border-bottom: 1px solid var(--rule);
  background: var(--white);
}

.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  min-height: 96px;
}

.brand {
  display: block;
  width: 168px;
  flex-shrink: 0;
  padding: 6px 0;
}

/* logo-header.webp is the supplied logo trimmed to its artwork; the mark itself is unchanged. */
.brand img { width: 100%; height: auto; }

.nav {
  display: flex;
  gap: 28px;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 14px;
  letter-spacing: 0.02em;
}

.nav a {
  color: var(--navy);
  text-decoration: none;
  padding: 6px 0;
  border-bottom: 2px solid transparent;
  white-space: nowrap;
}

.nav a:hover { border-bottom-color: var(--green); color: var(--navy); }

.header-cta {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 14px;
  color: var(--navy);
  text-decoration: none;
  white-space: nowrap;
}

.header-cta span { color: var(--green-text); }

/* ---------- Buttons ---------- */

.btn {
  display: inline-block;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 15px;
  letter-spacing: 0.01em;
  padding: 15px 26px;
  border-radius: 2px;
  text-decoration: none;
  border: 2px solid var(--navy);
  background: var(--navy);
  color: var(--white);
  cursor: pointer;
  transition: background-color .15s ease, border-color .15s ease;
}

.btn:hover { background: #0B3D66; border-color: #0B3D66; color: var(--white); }

.btn--green { background: var(--green); border-color: var(--green); color: var(--navy); }
.btn--green:hover { background: #45AC26; border-color: #45AC26; color: var(--navy); }

.text-link {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 15px;
  color: var(--navy);
  text-decoration: none;
  border-bottom: 2px solid var(--green);
  padding-bottom: 2px;
}

.text-link:hover { color: var(--green-text); }

/* ---------- Photo placeholders ----------
   Swap each .photo for a real <img>. The caption is the art direction. */

.photo {
  position: relative;
  background-color: #EEF0EE;
  background-image: repeating-linear-gradient(135deg, transparent 0 14px, rgba(6, 43, 73, .035) 14px 15px);
  overflow: hidden;
}

.photo img { width: 100%; height: 100%; object-fit: cover; }

.photo__note {
  position: absolute;
  left: 16px;
  bottom: 14px;
  right: 16px;
  font-family: var(--f-head);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--navy-60);
}

figure { margin: 0; }

figcaption {
  font-size: 14px;
  color: var(--navy-60);
  margin-top: 10px;
  line-height: 1.45;
}

/* ---------- Masthead: transparent header over the hero photo ---------- */

.masthead { position: relative; }

.site-header--overlay {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  z-index: 3;
  background: transparent;
  border-bottom: 0;
}

/* ---------- Hero ---------- */

.hero {
  position: relative;
  display: flex;
  align-items: flex-end;
  min-height: clamp(560px, 74vh, 720px);
  padding: 150px 0 clamp(40px, 5vw, 72px);
  overflow: hidden;
  background: var(--white);
}

.hero__img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 35%;
}

/* Light haze at the top so the logo and nav read against the sky. */
.hero::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 220px;
  z-index: 1;
  background: linear-gradient(rgba(255, 255, 255, .9), rgba(255, 255, 255, .55) 50%, rgba(255, 255, 255, 0));
}

/* Lift the lower-left of the photo (the sand) so the headline sits on it. Leaves the boat clear. */
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: 1;
  background: linear-gradient(to right, rgba(255, 255, 255, .97) 0%, rgba(255, 255, 255, .92) 40%, rgba(255, 255, 255, 0) 64%);
  -webkit-mask-image: linear-gradient(to bottom, transparent 10%, #000 44%);
  mask-image: linear-gradient(to bottom, transparent 10%, #000 44%);
}

/* Blend the bottom edge into the white page. */
.hero__fade {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 110px;
  z-index: 1;
  background: linear-gradient(rgba(255, 255, 255, 0), var(--white));
}

.hero__inner { position: relative; z-index: 2; width: 100%; }

.hero__text { max-width: 620px; }

/* The eyebrow sits over the photo, so it needs more weight than labels elsewhere. */
.hero .label {
  color: var(--navy);
  font-weight: 700;
  font-size: 13px;
}

.hero h1 {
  font-weight: 800;
  font-size: clamp(38px, 5vw, 60px);
  line-height: 1.04;
  letter-spacing: -0.02em;
  text-transform: uppercase;
  margin: 20px 0 24px;
}

.hl {
  background: linear-gradient(transparent 62%, var(--green) 62%, var(--green) 92%, transparent 92%);
  padding: 0 2px;
}

.hero__deck {
  font-size: 21px;
  line-height: 1.5;
  color: var(--navy-80);
  max-width: 30em;
  margin-bottom: 32px;
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px 28px;
}

.hero-after .numbers { margin-top: 0; }

/* Quick numbers strip */

.numbers {
  margin-top: clamp(48px, 6vw, 80px);
  border-top: 1px solid var(--navy);
  border-bottom: 1px solid var(--rule);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}

.numbers > div {
  padding: 24px 24px 28px 0;
}

.numbers > div + div {
  padding-left: 24px;
  border-left: 1px solid var(--rule);
}

.numbers strong {
  display: block;
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 30px;
  line-height: 1.1;
  color: var(--navy);
  margin-bottom: 8px;
}

.numbers strong.is-green { color: var(--green-text); }

.numbers p {
  font-size: 15px;
  line-height: 1.45;
  color: var(--navy-80);
  margin: 0;
}

/* ---------- Section scaffolding ---------- */

.section { padding: clamp(64px, 9vw, 120px) 0; }
.section--paper { background: var(--paper); }

.section-head {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 40px;
  align-items: end;
  margin-bottom: 48px;
}

.section-head h2 {
  font-weight: 800;
  font-size: clamp(28px, 3.2vw, 40px);
  margin-top: 14px;
}

.section-head p {
  color: var(--navy-80);
  max-width: 36em;
  margin: 0;
}

/* ---------- Start here (lead + list) ---------- */

.start {
  display: grid;
  grid-template-columns: 7fr 5fr;
  gap: clamp(32px, 5vw, 64px);
  border-top: 1px solid var(--navy);
  padding-top: 32px;
}

.lead .photo { aspect-ratio: 3 / 2; margin-bottom: 24px; }

.kicker {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green-text);
  margin-bottom: 10px;
}

.lead h3 {
  font-weight: 800;
  font-size: clamp(26px, 2.6vw, 34px);
  line-height: 1.15;
  margin-bottom: 14px;
}

.lead h3 a, .guide-list h3 a { color: inherit; text-decoration: none; }
.lead h3 a:hover, .guide-list h3 a:hover { text-decoration: underline; text-decoration-color: var(--green); text-decoration-thickness: 2px; }

.lead p { color: var(--navy-80); font-size: 19px; max-width: 34em; }

.meta {
  font-size: 14px;
  color: var(--navy-60);
}

.guide-list { list-style: none; margin: 0; padding: 0; counter-reset: g; }

.guide-list li {
  counter-increment: g;
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 4px 12px;
  padding: 22px 0;
  border-bottom: 1px solid var(--rule);
}

.guide-list li:first-child { padding-top: 0; }

.guide-list li::before {
  content: counter(g, decimal-leading-zero);
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 14px;
  color: var(--orange);
  padding-top: 4px;
}

.guide-list h3 {
  font-weight: 700;
  font-size: 19px;
  line-height: 1.3;
  margin-bottom: 6px;
}

.guide-list p { font-size: 16px; color: var(--navy-80); margin: 0 0 6px; }
.guide-list .meta { grid-column: 2; }

/* ---------- Comparison table ---------- */

.compare-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }

.compare {
  width: 100%;
  border-collapse: collapse;
  font-size: 17px;
  min-width: 720px;
}

.compare th {
  text-align: left;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--navy-60);
  padding: 0 20px 14px 0;
  border-bottom: 1px solid var(--navy);
}

.compare td {
  padding: 22px 20px 22px 0;
  border-bottom: 1px solid var(--rule);
  vertical-align: top;
  line-height: 1.45;
}

.compare td:first-child {
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 16px;
  width: 18%;
}

.compare td small {
  display: block;
  font-size: 14px;
  color: var(--navy-60);
  margin-top: 4px;
}

.compare .tourist { color: var(--navy-80); width: 30%; }
.compare .smart { width: 32%; }

.compare .diff {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 18px;
  color: var(--green-text);
  white-space: nowrap;
}

.compare-note {
  font-size: 14px;
  color: var(--navy-60);
  margin-top: 20px;
}

/* ---------- Topics ---------- */

.topics {
  display: grid;
  grid-template-columns: 1fr 1fr;
  column-gap: clamp(32px, 6vw, 96px);
  border-top: 1px solid var(--navy);
}

.topic {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 4px 24px;
  padding: 26px 0;
  border-bottom: 1px solid var(--rule);
  text-decoration: none;
  color: var(--navy);
}

.topic h3 { font-weight: 700; font-size: 21px; }

.topic p { grid-column: 1; font-size: 16px; color: var(--navy-80); margin: 0; }

.topic .arrow {
  grid-row: 1 / span 2;
  grid-column: 2;
  align-self: center;
  font-family: var(--f-head);
  font-size: 20px;
  color: var(--navy-60);
  transition: transform .15s ease, color .15s ease;
}

.topic:hover { color: var(--navy); }
.topic:hover h3 { color: var(--navy); text-decoration: underline; text-decoration-color: var(--green); text-decoration-thickness: 2px; text-underline-offset: 4px; }
.topic:hover .arrow { transform: translateX(4px); color: var(--green-text); }

/* ---------- Split feature (photo + text) ---------- */

.split {
  display: grid;
  grid-template-columns: 6fr 5fr;
  gap: clamp(32px, 6vw, 88px);
  align-items: center;
}

.split .photo { aspect-ratio: 5 / 4; }

.split h2 {
  font-weight: 800;
  font-size: clamp(28px, 3.2vw, 40px);
  margin: 14px 0 20px;
}

.split p { color: var(--navy-80); }

.checklist {
  list-style: none;
  margin: 24px 0 32px;
  padding: 0;
  border-top: 1px solid var(--rule);
}

.checklist li {
  padding: 14px 0 14px 32px;
  border-bottom: 1px solid var(--rule);
  position: relative;
  font-size: 17px;
}

.checklist li::before {
  content: "";
  position: absolute;
  left: 2px;
  top: 22px;
  width: 12px;
  height: 7px;
  border-left: 2px solid var(--green);
  border-bottom: 2px solid var(--green);
  transform: rotate(-45deg);
}

/* ---------- Principles ---------- */

.principles {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 40px;
}

.principles h2 {
  font-weight: 800;
  font-size: clamp(28px, 3.2vw, 40px);
  margin-top: 14px;
}

.principles ol {
  list-style: none;
  margin: 0;
  padding: 0;
  border-top: 1px solid var(--navy);
}

.principles li {
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 24px;
  padding: 26px 0;
  border-bottom: 1px solid var(--rule);
}

.principles li h3 { font-weight: 700; font-size: 18px; line-height: 1.35; }
.principles li p { margin: 0; color: var(--navy-80); }

/* ---------- Newsletter ---------- */

.newsletter {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(32px, 6vw, 88px);
  align-items: center;
}

.newsletter h2 {
  font-weight: 800;
  font-size: clamp(28px, 3.2vw, 40px);
  margin: 14px 0 16px;
}

.newsletter p { color: var(--navy-80); margin: 0; }

.signup { display: flex; gap: 0; border: 2px solid var(--navy); border-radius: 2px; background: var(--white); }

.signup input {
  flex: 1;
  min-width: 0;
  border: 0;
  padding: 16px 18px;
  font: inherit;
  font-size: 17px;
  color: var(--navy);
  background: transparent;
}

.signup input:focus { outline: 2px solid var(--teal); outline-offset: 2px; }

.signup .btn { border-radius: 0; border-width: 0; }

.signup-note { font-size: 14px; color: var(--navy-60); margin-top: 12px; }

/* ---------- Footer ---------- */

.site-footer {
  background: var(--navy);
  color: #C7D2DC;
  padding: 72px 0 40px;
  font-size: 16px;
}

.site-footer a { color: #E6ECF1; text-decoration: none; }
.site-footer a:hover { color: var(--white); text-decoration: underline; text-decoration-color: var(--green); }

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255, 255, 255, .14);
}

.footer-name {
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 22px;
  color: var(--white);
  line-height: 1.2;
}

.footer-name span { color: var(--green); }

.footer-tag {
  font-family: var(--f-head);
  font-weight: 500;
  font-size: 12px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: #9FB1C1;
  margin: 12px 0 20px;
}

.site-footer h4 {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: #9FB1C1;
  margin-bottom: 16px;
}

.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 10px; }

.footer-base {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  padding-top: 24px;
  font-size: 14px;
  color: #9FB1C1;
}

/* ---------- Responsive ---------- */

@media (max-width: 1080px) {
  .nav { gap: 20px; }
  .header-cta { display: none; }
}

@media (max-width: 900px) {
  .site-header .wrap { flex-wrap: wrap; gap: 0; min-height: 0; padding-top: 8px; }
  .nav {
    order: 3;
    width: calc(100% + 2 * var(--gutter));
    margin: 0 calc(-1 * var(--gutter));
    padding: 10px var(--gutter);
    overflow-x: auto;
    border-top: 1px solid var(--rule);
    scrollbar-width: none;
  }
  .nav::-webkit-scrollbar { display: none; }
  .header-cta { display: inline; }

  .start,
  .split,
  .newsletter,
  .principles,
  .section-head { grid-template-columns: 1fr; }

  .section-head { gap: 16px; }
  /* Phone and tablet: photo on top, text below on white. */
  .hero { display: block; min-height: 0; padding: 0 0 48px; }
  .hero__img { position: relative; height: auto; aspect-ratio: 4 / 3; object-position: 68% center; }
  .hero::after { display: none; }
  .hero__fade { bottom: auto; top: 0; height: 100%; max-height: calc(75vw + 1px); background: linear-gradient(rgba(255, 255, 255, 0) 70%, var(--white)); }
  .hero__inner { margin-top: -24px; }
  .numbers { grid-template-columns: 1fr 1fr; }
  .numbers > div:nth-child(3) { padding-left: 0; border-left: 0; }
  .numbers > div:nth-child(n+3) { border-top: 1px solid var(--rule); }
  .topics { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > div:first-child { grid-column: 1 / -1; }
}

@media (max-width: 560px) {
  body { font-size: 17px; }
  .brand { width: 132px; }
  .hero__deck { font-size: 19px; }
  .numbers { grid-template-columns: 1fr; }
  .numbers > div, .numbers > div + div { padding: 20px 0; border-left: 0; }
  .numbers > div + div { border-top: 1px solid var(--rule); }
  .principles li { grid-template-columns: 1fr; gap: 8px; }
  .signup { flex-direction: column; }
  .signup .btn { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; }
}

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

/* ---------- Stance ---------- */

.stance { padding: clamp(56px, 7vw, 96px) 0 clamp(48px, 6vw, 80px); }

.stance__grid {
  display: grid;
  grid-template-columns: 1fr 2fr;
  gap: 40px;
  border-top: 1px solid var(--navy);
  padding-top: 32px;
}

.stance__text {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: clamp(22px, 2.3vw, 29px);
  line-height: 1.4;
  letter-spacing: -0.01em;
  color: var(--navy);
  max-width: 34em;
  margin-bottom: 28px;
  text-wrap: pretty;
}

.ask-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 12px 36px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 16px;
  color: var(--navy);
}

.ask-list span {
  display: block;
  font-weight: 600;
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--green-text);
  margin-bottom: 2px;
}

@media (max-width: 900px) {
  .stance__grid { grid-template-columns: 1fr; gap: 16px; }
}

.stance__note {
  margin: 28px 0 0;
  padding-top: 20px;
  border-top: 1px solid var(--rule);
  font-size: 17px;
  color: var(--navy-80);
  max-width: 40em;
}

/* ---------- The guide (product) ---------- */

.guide {
  display: grid;
  grid-template-columns: 5fr 7fr;
  gap: clamp(32px, 6vw, 88px);
  align-items: start;
}

.guide__cover img { width: 100%; height: auto; }
.guide__cover figcaption { text-align: center; }

.guide__body h2 {
  font-weight: 800;
  font-size: clamp(30px, 3.6vw, 46px);
  margin: 14px 0 18px;
}

.guide__lede { font-size: 20px; color: var(--navy-80); max-width: 34em; }

.chapters {
  list-style: none;
  margin: 32px 0;
  padding: 0;
  counter-reset: ch;
  border-top: 1px solid var(--navy);
}

.chapters li {
  counter-increment: ch;
  display: grid;
  grid-template-columns: 40px 1fr;
  column-gap: 12px;
  padding: 16px 0;
  border-bottom: 1px solid var(--rule);
}

.chapters li::before {
  content: counter(ch);
  grid-row: 1 / span 2;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 14px;
  color: var(--orange);
  padding-top: 3px;
}

.chapters h3 { font-weight: 700; font-size: 18px; }
.chapters p { margin: 2px 0 0; font-size: 16px; color: var(--navy-80); }

.buy {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 16px 32px;
}

.buy__price strong {
  display: block;
  font-family: var(--f-head);
  font-weight: 800;
  font-size: 34px;
  line-height: 1;
  color: var(--navy);
}

.buy__price span { font-size: 15px; color: var(--navy-60); }

.buy__btn { font-size: 16px; padding: 17px 34px; }

.buy__note { font-size: 14px; color: var(--navy-60); margin: 14px 0 0; }

.in-guide {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 15px;
  color: var(--teal-text);
  text-decoration: none;
  border-bottom: 1px solid currentColor;
}

.in-guide:hover { color: var(--navy); }

@media (max-width: 900px) {
  .guide { grid-template-columns: 1fr; }
  .guide__cover { max-width: 360px; }
}

/* ---------- Savings: chart + table ---------- */

.savings-head { display: grid; gap: 20px; justify-items: start; }

.savings-total {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: clamp(19px, 1.8vw, 23px);
  line-height: 1.45;
  color: var(--navy);
  margin: 0;
  max-width: 34em;
}

.savings-total strong { font-weight: 800; }
.save-big { font-weight: 800; color: var(--green-text); }

.currency {
  display: inline-flex;
  border: 1px solid var(--rule-strong);
  border-radius: 2px;
  background: var(--white);
}

.currency button {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 14px;
  color: var(--navy-60);
  background: transparent;
  border: 0;
  padding: 9px 14px;
  cursor: pointer;
}

.currency button + button { border-left: 1px solid var(--rule); }
.currency button[aria-pressed="true"] { background: var(--navy); color: var(--white); }
.currency button:focus-visible { outline: 2px solid var(--teal); outline-offset: 2px; }

.savings-chart { position: relative; margin-bottom: 40px; }

.chart-legend {
  display: flex;
  gap: 24px;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 14px;
  color: var(--navy-80);
  margin-bottom: 8px;
}

.chart-legend span, .chart-tip span { display: inline-flex; align-items: center; gap: 8px; }

.sw { display: inline-block; width: 12px; height: 12px; border-radius: 2px; }
.sw--regular { background: var(--navy); }
.sw--insider { background: var(--green); }

.chart-box { width: 100%; min-width: 0; }
.chart-svg { display: block; }
.chart-svg .grid { stroke: var(--rule); stroke-width: 1; }
.chart-svg .grid.base { stroke: var(--rule-strong); }
.chart-svg .tick { font-family: var(--f-body); font-size: 13px; fill: var(--navy-60); font-variant-numeric: tabular-nums; }
.chart-svg .bar--regular { fill: var(--navy); }
.chart-svg .bar--insider { fill: var(--green); }
.chart-svg .pct { font-family: var(--f-head); font-weight: 800; font-size: 14px; fill: var(--green-text); }
.chart-svg .hit { fill: transparent; }
.chart-svg .hit:hover { fill: rgba(6, 43, 73, .04); }

.chart-tip {
  position: absolute;
  z-index: 2;
  pointer-events: none;
  background: var(--white);
  border: 1px solid var(--rule-strong);
  border-radius: 2px;
  padding: 10px 14px;
  display: grid;
  gap: 4px;
  font-size: 14px;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}

.chart-tip strong { font-family: var(--f-head); }
.chart-tip em { font-style: normal; font-weight: 600; color: var(--green-text); }

.savings-table { width: 100%; border-collapse: collapse; font-size: 17px; min-width: 560px; background: var(--white); }

.savings-table th, .savings-table td {
  text-align: left;
  padding: 14px 16px;
  border-bottom: 1px solid var(--rule);
}

.savings-table thead th {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--navy-60);
  border-bottom: 1px solid var(--navy);
}

.savings-table .num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
.savings-table td.insider { font-weight: 600; }
.savings-table .save-cell { font-family: var(--f-head); font-weight: 800; color: var(--green-text); }
.savings-table .save-cell small { font-weight: 600; font-size: 13px; color: var(--navy-60); margin-left: 4px; }

.savings-table tfoot th, .savings-table tfoot td {
  font-family: var(--f-head);
  font-weight: 800;
  border-top: 2px solid var(--navy);
  border-bottom: 0;
}

.svc { display: flex; align-items: center; gap: 14px; font-family: var(--f-head); font-weight: 700; font-size: 16px; }
.svc small { display: block; font-family: var(--f-body); font-weight: 400; font-size: 13px; color: var(--navy-60); }
.svc-icon { width: 26px; height: 26px; flex-shrink: 0; }
.chart-tip[hidden] { display: none; }

@media (max-width: 600px) {
  .savings-table { min-width: 0; font-size: 15px; }
  .savings-table th, .savings-table td { padding: 12px 6px; }
  .savings-table thead th, .savings-table thead th.num { font-size: 10px; letter-spacing: 0.06em; white-space: normal; }
  .savings-table tfoot th, .savings-table tfoot td { font-size: 14px; }
  .savings-table .save-cell small { display: block; margin: 0; }
  .svc { gap: 8px; font-size: 14px; }
  .svc-icon { width: 20px; height: 20px; }
  .chart-svg .pct { font-size: 11px; }
}


.savings-controls { display: flex; flex-wrap: wrap; gap: 12px; }

.buy__payback {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 16px;
  color: var(--green-text);
  margin: 16px 0 0;
}

.savings-controls { display: flex; flex-wrap: wrap; gap: 12px; }

.buy__payback {
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 16px;
  color: var(--green-text);
  margin: 16px 0 0;
}

/* ---------- FAQ ---------- */

.faq { display: grid; grid-template-columns: 1fr 2fr; gap: 40px; }
.faq h2 { font-weight: 800; font-size: clamp(28px, 3.2vw, 40px); margin-top: 14px; }
.faq__list { border-top: 1px solid var(--navy); }
.faq__item { border-bottom: 1px solid var(--rule); }

.faq__item summary {
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  gap: 24px;
  padding: 20px 0;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 18px;
  color: var(--navy);
}

.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary::after { content: "+"; font-weight: 600; color: var(--green-text); }
.faq__item[open] summary::after { content: "\2212"; }
.faq__item summary:focus-visible { outline: 2px solid var(--teal); outline-offset: 2px; }
.faq__item p { margin: 0 0 20px; color: var(--navy-80); max-width: 40em; }

/* ---------- Inner pages (about, contact, legal) ---------- */

.page { padding: clamp(48px, 7vw, 96px) 0 clamp(64px, 9vw, 120px); }
.page__head { border-bottom: 1px solid var(--navy); padding-bottom: 28px; margin-bottom: 40px; }
.page__head h1 { font-weight: 800; font-size: clamp(32px, 4vw, 48px); margin: 14px 0 0; }
.page__meta { margin: 12px 0 0; font-size: 15px; color: var(--navy-60); }

.prose { max-width: 42em; }
.prose h2 { font-weight: 800; font-size: 24px; margin: 40px 0 12px; }
.prose h3 { font-weight: 700; font-size: 19px; margin: 28px 0 8px; }
.prose p, .prose li { color: var(--navy-80); }
.prose ul { padding-left: 22px; margin: 0 0 1em; }
.prose li { margin-bottom: 6px; }
.prose a { color: var(--teal-text); }

/* Visible placeholders for details still to be filled in. Remove the class once replaced. */
.todo { background: var(--yellow); color: var(--navy); padding: 0 4px; border-radius: 2px; font-weight: 600; }

.notfound { text-align: left; max-width: 34em; }
.notfound h1 { font-weight: 800; font-size: clamp(32px, 4vw, 48px); margin: 14px 0 16px; }
.notfound .hero__actions { margin-top: 28px; }

.footer-base a { color: inherit; text-decoration: underline; text-decoration-color: rgba(255,255,255,.3); }

@media (max-width: 900px) {
  .faq { grid-template-columns: 1fr; gap: 16px; }
}

/* ---------- Articles ---------- */

.article .prose { max-width: 44em; }
.article .page__meta { max-width: 44em; }
.prose h2 { scroll-margin-top: 24px; }
.prose em { font-style: italic; }

.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 8px 0 24px; }

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 16px;
  font-variant-numeric: tabular-nums;
}

.data-table th {
  text-align: left;
  font-family: var(--f-head);
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy-60);
  padding: 0 14px 10px 0;
  border-bottom: 1px solid var(--navy);
  vertical-align: bottom;
}

.data-table td {
  padding: 12px 14px 12px 0;
  border-bottom: 1px solid var(--rule);
  color: var(--navy-80);
  vertical-align: top;
}

.data-table td:first-child { font-weight: 600; color: var(--navy); }

.article-cta {
  max-width: 44em;
  margin: 48px 0 0;
  padding: 24px 0;
  border-top: 2px solid var(--navy);
  border-bottom: 1px solid var(--rule);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px 32px;
}

.article-cta__text { margin: 10px 0 0; font-family: var(--f-head); font-weight: 600; font-size: 18px; color: var(--navy); max-width: 26em; }

.related { margin-top: 56px; }
.related h2 { font-weight: 800; font-size: 22px; margin-bottom: 16px; }
.related ul { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 0 32px; border-top: 1px solid var(--navy); }
.related a { display: block; padding: 18px 0; border-bottom: 1px solid var(--rule); font-family: var(--f-head); font-weight: 700; font-size: 17px; line-height: 1.3; color: var(--navy); text-decoration: none; }
.related a:hover { text-decoration: underline; text-decoration-color: var(--green); text-decoration-thickness: 2px; }
.related .kicker { display: block; margin-bottom: 6px; }

.label a { color: inherit; text-decoration: none; }
.label a:hover { color: var(--navy); }

/* Article listings (homepage and articles index) */

.article-grid {
  list-style: none;
  margin: 0 0 32px;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  column-gap: clamp(24px, 4vw, 56px);
  border-top: 1px solid var(--navy);
}

.article-group { margin-bottom: 48px; }
.article-group h2 { font-weight: 800; font-size: 24px; margin-bottom: 4px; }
.article-group ul { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; column-gap: clamp(24px, 5vw, 72px); border-top: 1px solid var(--navy); margin-top: 12px; }

.article-link { display: block; height: 100%; padding: 22px 0 24px; border-bottom: 1px solid var(--rule); text-decoration: none; color: var(--navy); }
.article-link h3 { font-weight: 700; font-size: 19px; line-height: 1.3; margin: 6px 0 8px; }
.article-link p { margin: 0; font-size: 16px; color: var(--navy-80); }
.article-link .kicker { margin: 0; }
.article-link:hover h3 { text-decoration: underline; text-decoration-color: var(--green); text-decoration-thickness: 2px; text-underline-offset: 3px; }

@media (max-width: 900px) {
  .article-grid, .related ul { grid-template-columns: 1fr; }
  .article-group ul { grid-template-columns: 1fr; }
}

/* ---------- Articles menu ---------- */

.site-header .wrap { position: relative; }
.nav { align-items: center; }
.nav-menu { position: static; }

.nav-menu summary {
  list-style: none;
  cursor: pointer;
  padding: 6px 0;
  border-bottom: 2px solid transparent;
  white-space: nowrap;
  color: var(--navy);
}

.nav-menu summary::-webkit-details-marker { display: none; }
.nav-menu summary::after { content: ""; display: inline-block; width: 6px; height: 6px; margin-left: 8px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: translateY(-3px) rotate(45deg); }
.nav-menu[open] summary::after { transform: translateY(0) rotate(-135deg); }
.nav-menu summary:hover, .nav-menu[open] summary { border-bottom-color: var(--green); }
.nav-menu summary:focus-visible { outline: 2px solid var(--teal); outline-offset: 2px; }

.nav-menu__panel {
  position: absolute;
  z-index: 10;
  top: calc(100% - 8px);
  right: var(--gutter);
  width: min(760px, calc(100% - 2 * var(--gutter)));
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px 32px;
  padding: 24px 28px 26px;
  background: var(--white);
  border: 1px solid var(--rule-strong);
  border-top: 2px solid var(--navy);
  border-radius: 2px;
}

.nav .nav-menu__panel a {
  display: block;
  padding: 7px 0;
  border: 0;
  font-family: var(--f-body);
  font-weight: 600;
  font-size: 15px;
  letter-spacing: 0;
  white-space: normal;
  line-height: 1.35;
  color: var(--navy);
}

.nav .nav-menu__panel a:hover { color: var(--green-text); }

.nav-menu__group {
  margin: 12px 0 4px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--navy-60);
}

.nav-menu__panel > div > .nav-menu__group:first-child { margin-top: 0; }
.nav .nav-menu__panel .nav-menu__all { margin-top: 10px; color: var(--teal-text); }

@media (max-width: 900px) {
  /* Let the menu row wrap instead of scrolling, so the dropdown isn't clipped. */
  .nav { overflow: visible; flex-wrap: wrap; row-gap: 4px; column-gap: 18px; }
  .nav-menu__panel { left: var(--gutter); right: var(--gutter); width: auto; top: 100%; grid-template-columns: 1fr; padding: 18px 20px; }
}

/* ---------- Offer: "Only in the full guide" ---------- */

.price-local { font-weight: 600; font-size: .8em; opacity: .85; }
.price-local::before { content: "("; }
.price-local::after { content: ")"; }

.offer {
  max-width: 44em;
  margin: 40px 0;
  padding: 28px 28px 24px;
  background: var(--navy);
  color: #E6ECF1;
  border-radius: 2px;
}

.offer__kicker {
  margin: 0 0 8px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--green);
}

.prose .offer__title, .offer__title {
  margin: 0 0 20px;
  font-family: var(--f-head);
  font-weight: 800;
  font-size: clamp(21px, 2.4vw, 26px);
  line-height: 1.2;
  color: var(--white);
}

.offer__rows { display: grid; gap: 22px; }
.offer__row { display: grid; gap: 8px; }

.prose .offer__name, .offer__name {
  display: flex;
  align-items: center;
  gap: 12px;
  margin: 0 0 4px;
  color: var(--white);
}

.offer__name strong { display: block; font-family: var(--f-head); font-size: 17px; }
.offer__name small { display: block; font-size: 14px; color: #9FB1C1; }
.offer__name em { margin-left: auto; font-style: normal; font-family: var(--f-head); font-weight: 800; font-size: 15px; color: var(--navy); background: var(--green); padding: 3px 8px; border-radius: 2px; white-space: nowrap; }
.offer__icon { width: 28px; height: 28px; flex-shrink: 0; background: var(--white); border-radius: 50%; padding: 3px; }

.offer__line { display: grid; grid-template-columns: 112px 1fr 76px; align-items: center; gap: 12px; font-size: 14px; }
.offer__label { color: #C7D2DC; }
.offer__track { height: 12px; background: rgba(255, 255, 255, .08); border-radius: 2px; overflow: hidden; }
.offer__bar { display: block; height: 100%; background: #6F8597; border-radius: 0 2px 2px 0; }
.offer__bar--insider { background: var(--green); }
.offer__val { text-align: right; font-family: var(--f-head); font-weight: 700; color: #C7D2DC; font-variant-numeric: tabular-nums; }
.offer__val--insider { color: var(--green); font-size: 16px; }

.offer__foot {
  margin-top: 22px;
  padding-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, .14);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 14px 24px;
}

.prose .offer__foot p, .offer__foot p { margin: 0; color: #C7D2DC; font-size: 15px; max-width: 24em; }
.prose .offer a.btn, .offer a.btn { color: var(--navy); text-decoration: none; }

/* Slide-in on free guide pages */

.offer-slide {
  position: fixed;
  z-index: 20;
  right: 20px;
  bottom: calc(20px + env(safe-area-inset-bottom, 0px));
  width: min(360px, calc(100vw - 32px));
  padding: 20px 20px 18px;
  background: var(--navy);
  color: #E6ECF1;
  border-radius: 2px;
  box-shadow: 0 10px 30px rgba(6, 43, 73, .25);
  transform: translateY(16px);
  opacity: 0;
  transition: transform .3s ease, opacity .3s ease;
}

.offer-slide.is-in { transform: none; opacity: 1; }

.offer-slide__close {
  position: absolute;
  top: 6px;
  right: 8px;
  width: 36px;
  height: 36px;
  border: 0;
  background: transparent;
  color: #C7D2DC;
  font-size: 24px;
  line-height: 1;
  cursor: pointer;
}

.offer-slide__close:hover { color: var(--white); }
.offer-slide__close:focus-visible { outline: 2px solid var(--teal); }

.offer-slide__line {
  display: grid;
  grid-template-columns: 26px 1fr auto;
  grid-template-rows: auto auto;
  column-gap: 10px;
  align-items: center;
  margin: 0 0 12px;
  font-size: 14px;
  color: #E6ECF1;
}

.offer-slide__line .offer__icon { grid-row: 1 / span 2; width: 26px; height: 26px; }
.offer-slide__line strong { font-family: var(--f-head); font-weight: 800; font-size: 18px; color: var(--green); text-align: right; }
.offer-slide__line s { grid-column: 3; text-align: right; font-size: 13px; color: #9FB1C1; }
.offer-slide .btn { width: 100%; text-align: center; margin-top: 4px; }

@media (max-width: 560px) {
  .offer { padding: 22px 18px 20px; margin-left: calc(-1 * var(--gutter) + 8px); margin-right: calc(-1 * var(--gutter) + 8px); }
  .offer__line { grid-template-columns: 92px 1fr 64px; gap: 8px; font-size: 13px; }
  .offer__name em { font-size: 13px; }
  .offer-slide { right: 16px; left: 16px; width: auto; }
}

@media (prefers-reduced-motion: reduce) {
  .offer-slide { transition: none; transform: none; }
}

/* Quick facts strip, now further down the page */
.facts { padding: clamp(56px, 7vw, 96px) 0 0; }
.facts .numbers { margin-top: 0; }
.offer-slide:not(.is-in) { pointer-events: none; }

/* Guide section: on desktop the product image stays in view while the chapter list scrolls. */
@media (min-width: 901px) {
  .guide__cover { position: sticky; top: 32px; align-self: start; }
}

/* Guide chapters: the two biggest savings */
.chapters li.chapters__star { background: #F2FAEE; margin: 0 -12px; padding-left: 12px; padding-right: 12px; }
.chapters .tag { display: inline-block; margin-left: 8px; padding: 2px 7px; border-radius: 2px; background: var(--green); color: var(--navy); font-size: 11px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; vertical-align: 2px; }

.split__img { width: 100%; height: auto; aspect-ratio: 5 / 4; object-fit: cover; object-position: 60% center; border-radius: 2px; }

/* Articles menu: locked items from the paid guide */
.nav-menu__panel { grid-template-columns: repeat(3, 1fr) 1.1fr; width: min(1000px, calc(100% - 2 * var(--gutter))); }
.nav-menu__paid { background: #F2FAEE; margin: -24px -28px -26px 0; padding: 24px 22px 26px; border-left: 1px solid #DCEFD3; }
.nav-menu__locked {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 7px 0;
  font-family: var(--f-body);
  font-weight: 600;
  font-size: 15px;
  line-height: 1.35;
  letter-spacing: 0;
  white-space: normal;
  color: var(--navy-60);
  cursor: not-allowed;
  user-select: none;
}
.nav-menu__locked .lock { width: 14px; height: 14px; flex-shrink: 0; color: var(--green-text); }
.nav .nav-menu__panel .nav-menu__unlock {
  margin-top: 12px;
  display: inline-block;
  padding: 8px 12px;
  background: var(--green);
  color: var(--navy);
  border-radius: 2px;
  font-family: var(--f-head);
  font-weight: 700;
  font-size: 13px;
}
.nav .nav-menu__panel .nav-menu__unlock:hover { background: #45AC26; color: var(--navy); }

@media (max-width: 900px) {
  .nav-menu__panel { grid-template-columns: 1fr; width: auto; }
  .nav-menu__paid { margin: 8px -20px -18px; padding: 16px 20px 18px; border-left: 0; border-top: 1px solid #DCEFD3; }
}

/* ---------- Phone and tablet menu ---------- */
/* tsg.js adds .has-toggle and the Menu button; without JS the menu row simply wraps. */

.nav-toggle { display: none; }

@media (max-width: 900px) {
  .site-header.has-toggle .wrap { flex-wrap: nowrap; gap: 16px; padding-top: 0; min-height: 72px; }
  .site-header.has-toggle .header-cta { order: 2; margin-left: auto; }
  .site-header.has-toggle .nav-toggle { order: 3; }

  .nav-toggle {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 0 10px 4px;
    background: none;
    border: 0;
    font-family: var(--f-head);
    font-weight: 600;
    font-size: 14px;
    color: var(--navy);
    cursor: pointer;
  }
  .nav-toggle:focus-visible { outline: 2px solid var(--teal); outline-offset: 2px; }
  .nav-toggle__bars,
  .nav-toggle__bars::before,
  .nav-toggle__bars::after { display: block; width: 18px; height: 2px; background: currentColor; transition: transform .2s; }
  .nav-toggle__bars { position: relative; }
  .nav-toggle__bars::before,
  .nav-toggle__bars::after { content: ""; position: absolute; left: 0; }
  .nav-toggle__bars::before { top: -6px; }
  .nav-toggle__bars::after { top: 6px; }
  .is-open .nav-toggle__bars { background: transparent; }
  .is-open .nav-toggle__bars::before { transform: translateY(6px) rotate(45deg); }
  .is-open .nav-toggle__bars::after { transform: translateY(-6px) rotate(-45deg); }

  .site-header.has-toggle .nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    z-index: 20;
    width: auto;
    margin: 0;
    padding: 4px var(--gutter) 20px;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--white);
    border-top: 1px solid var(--rule);
    border-bottom: 1px solid var(--rule-strong);
    box-shadow: 0 18px 30px -18px rgba(6, 43, 73, 0.25);
    max-height: calc(100vh - 72px);
    overflow-y: auto;
    font-size: 16px;
  }
  .site-header.has-toggle.is-open .nav { display: flex; }
  .site-header.has-toggle .nav { flex-wrap: nowrap; }
  .site-header.has-toggle .nav > * { flex-shrink: 0; }
  .site-header.has-toggle .nav > a,
  .site-header.has-toggle .nav-menu summary {
    display: block;
    padding: 14px 0;
    border-bottom: 1px solid var(--rule);
  }
  .site-header.has-toggle .nav-menu summary { display: flex; align-items: center; justify-content: space-between; }
  .site-header.has-toggle .nav-menu[open] summary { border-bottom-color: var(--rule); }
  .site-header.has-toggle .nav-menu__panel {
    position: static;
    width: auto;
    padding: 4px 0 12px;
    border: 0;
    border-bottom: 1px solid var(--rule);
  }
  .site-header.has-toggle .nav-menu__paid { margin: 8px 0 0; padding: 16px; border: 1px solid #DCEFD3; }
  .site-header--overlay.is-open { background: var(--white); }
}

@media (max-width: 560px) {
  .site-header.has-toggle .brand { width: 108px; }
  .site-header.has-toggle .wrap { min-height: 64px; gap: 14px; }
  .site-header.has-toggle .nav { max-height: calc(100vh - 64px); }
}

/* ---------- Comparison table on phones: one card per situation ---------- */

@media (max-width: 640px) {
  .compare { min-width: 0; font-size: 16px; }
  .compare thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .compare tbody tr { display: block; padding: 20px 0; border-bottom: 1px solid var(--rule); }
  .compare tbody tr:first-child { border-top: 1px solid var(--navy); }
  .compare td { display: block; width: auto !important; padding: 0; border: 0; }
  .compare td:first-child { font-size: 18px; margin-bottom: 12px; }
  .compare td + td { margin-top: 10px; }
  .compare td:nth-child(n+2)::before {
    display: block;
    margin-bottom: 2px;
    font-family: var(--f-head);
    font-weight: 600;
    font-size: 11px;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--navy-60);
  }
  .compare td:nth-child(2)::before { content: "What most people do"; }
  .compare td:nth-child(3)::before { content: "The fix"; }
  .compare td:nth-child(4)::before { content: "Typical overpay"; }
}