@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&family=Inter:wght@300;400;500;600;700&display=swap');

:root {
  --navy: #1e3a5f;
  --navy-mid: #254d7a;
  --navy-deep: #152d4a;
  --teal: #00b796;
  --teal-light: #00d4ac;
  --teal-pale: #e6f9f5;
  --cream: #f0f4f8;
  --warm-white: #f7f9fb;
  --white: #ffffff;
  --text: #1a2e45;
  --muted: #4a6070;
  --faint: #8a9faf;
  --border: #dde4ec;
  --green: #1a7f4b; --green-bg: #eaf5ef;
  --amber: #b86b00; --amber-bg: #fff4e0;
  --red: #c0392b; --red-bg: #fdecea;
  --gold: #00b796; --gold-light: #00d4ac;
}
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; background: var(--warm-white); color: var(--text); font-size: 16px; line-height: 1.6; overflow-x: hidden; }

/* ── TOPBAR ── */
.topbar { background: #152d4a; color: rgba(255,255,255,0.55); font-size: 0.75rem; text-align: center; padding: 7px 20px; letter-spacing: 0.03em; }
.topbar a { color: var(--gold); text-decoration: none; }

/* ── NAV ── */
nav { position: sticky; top: 0; z-index: 200; background: #1e3a5f; backdrop-filter: blur(12px); border-bottom: 1px solid rgba(0,183,150,0.25); }
.nav-inner { max-width: 1140px; margin: 0 auto; padding: 0 24px; display: flex; align-items: center; justify-content: space-between; height: 66px; }
.logo { font-family: 'Inter', sans-serif; font-size: 1.45rem; color: #ffffff; text-decoration: none; font-weight: 700; letter-spacing: -0.01em; }
.logo span { color: #00b796; }
.logo small { font-family: 'Inter', sans-serif; font-size: 0.62rem; font-weight: 500; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.3); display: block; margin-top: -3px; }
.nav-links { display: flex; gap: 0; list-style: none; }
.nav-links a { display: block; padding: 0 13px; height: 66px; line-height: 66px; font-size: 0.8rem; font-weight: 500; color: rgba(255,255,255,0.7); text-decoration: none; letter-spacing: 0.05em; text-transform: uppercase; transition: color 0.2s; }
.nav-links li:last-child { display: flex; align-items: center; }
.nav-links a:hover, .nav-links a.active { color: var(--gold); }
.nav-cta { background: #00b796; color: #1e3a5f !important; padding: 0 18px !important; height: 34px !important; line-height: 34px !important; border-radius: 6px; font-weight: 700 !important; margin-left: 8px; transition: background 0.2s !important; display: inline-block !important; }
.nav-cta:hover { background: #00d4ac !important; color: #1e3a5f !important; }

/* ── HERO (homepage) ── */
.hero { background: #1e3a5f; padding: 16px 24px 0; position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; top: -300px; right: -200px; width: 800px; height: 800px; background: radial-gradient(circle, rgba(0,183,150,0.08) 0%, transparent 65%); border-radius: 50%; pointer-events: none; }
.hero-inner { max-width: 1140px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; padding-bottom: 32px; }
.hero-left { animation: fadeUp 0.7s ease both; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 8px; background: rgba(0,183,150,0.12); border: 1px solid rgba(0,183,150,0.3); border-radius: 100px; padding: 5px 14px; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em; color: var(--gold); text-transform: uppercase; margin-bottom: 24px; }
.hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(2.1rem, 3.2vw, 3rem); color: #fff; line-height: 1.18; font-weight: 700; margin-bottom: 12px; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero-desc { font-size: 1rem; color: rgba(255,255,255,0.6); line-height: 1.75; font-weight: 300; max-width: 480px; margin-bottom: 18px; }
.hero-pills { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 20px; }
.pill { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); border-radius: 100px; padding: 5px 13px; font-size: 0.78rem; color: rgba(255,255,255,0.6); display: flex; align-items: center; gap: 6px; }
.pill-dot { width: 5px; height: 5px; border-radius: 50%; background: #00b796; flex-shrink: 0; }
.hero-stats { display: flex; gap: 32px; padding-top: 16px; border-top: 1px solid rgba(255,255,255,0.08); }
.stat-val { font-family: 'Inter', sans-serif; font-size: 1.8rem; color: #00b796; font-weight: 700; font-weight: 700; }
.stat-lbl { font-size: 0.7rem; color: rgba(255,255,255,0.4); text-transform: uppercase; letter-spacing: 0.06em; margin-top: 2px; }

/* ── PAGE HERO (inner pages) ── */
.page-hero { background: #1e3a5f; padding: 72px 24px 56px; position: relative; overflow: hidden; }
.page-hero::before { content: ''; position: absolute; top: -200px; right: -200px; width: 600px; height: 600px; background: radial-gradient(circle, rgba(0,183,150,0.08) 0%, transparent 65%); border-radius: 50%; pointer-events: none; }
.page-hero-inner { max-width: 1140px; margin: 0 auto; position: relative; animation: fadeUp 0.7s ease both; }
.page-hero-eyebrow { display: inline-flex; align-items: center; gap: 8px; background: rgba(0,183,150,0.1); border: 1px solid rgba(0,183,150,0.25); border-radius: 100px; padding: 5px 14px; font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em; color: var(--gold); text-transform: uppercase; margin-bottom: 18px; }
.page-hero h1 { font-family: 'Playfair Display', serif; font-size: clamp(1.9rem, 3vw, 2.8rem); color: #fff; line-height: 1.2; font-weight: 700; margin-bottom: 16px; max-width: 720px; }
.page-hero h1 em { font-style: normal; color: var(--gold); }
.page-hero p { color: rgba(255,255,255,0.6); font-size: 1rem; line-height: 1.75; max-width: 620px; font-weight: 300; }

/* ── BREADCRUMB ── */
.breadcrumb { background: var(--cream); border-bottom: 1px solid var(--border); padding: 10px 24px; }
.breadcrumb-inner { max-width: 1140px; margin: 0 auto; display: flex; align-items: center; gap: 6px; font-size: 0.75rem; color: var(--faint); }
.breadcrumb a { color: var(--teal); text-decoration: none; }
.breadcrumb a:hover { color: var(--navy); }

/* ── LEAD CARD ── */
.hero-right { animation: fadeUp 0.7s 0.15s ease both; }
.lead-card { background: var(--warm-white); border-radius: 18px; padding: 30px; box-shadow: 0 40px 80px rgba(0,0,0,0.45); border: 1px solid rgba(0,183,150,0.15); }
.lead-card-header { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 5px; }
.lead-card h3 { font-family: 'Playfair Display', serif; font-size: 1.25rem; color: var(--navy); }
.free-badge { background: #e6f9f5; color: #007a63; font-size: 0.68rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; padding: 3px 10px; border-radius: 100px; }
.lead-card > p { font-size: 0.82rem; color: var(--muted); margin-bottom: 18px; line-height: 1.55; }

/* ── FORMS ── */
.fg { margin-bottom: 11px; }
.fg label { display: block; font-size: 0.7rem; font-weight: 700; color: var(--text); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 4px; }
.fg input, .fg select, .fg textarea { width: 100%; padding: 9px 13px; border: 1.5px solid var(--border); border-radius: 8px; font-family: 'Inter', sans-serif; font-size: 0.92rem; color: var(--text); background: var(--white); transition: border-color 0.2s, box-shadow 0.2s; outline: none; appearance: none; }
.fg input:focus, .fg select:focus, .fg textarea:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(0,183,150,0.12); }
.fg-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.submit-btn { width: 100%; padding: 12px; background: #1e3a5f; color: #fff; border: none; border-radius: 8px; font-family: 'Inter', sans-serif; font-size: 0.95rem; font-weight: 700; cursor: pointer; margin-top: 4px; transition: background 0.2s, transform 0.1s; letter-spacing: 0.02em; position: relative; overflow: hidden; }
.submit-btn::after { content: ''; position: absolute; inset: 0; background: linear-gradient(135deg, transparent 50%, rgba(0,183,150,0.12)); pointer-events: none; }
.submit-btn:hover { background: var(--navy-mid); }
.submit-btn:active { transform: scale(0.99); }
.form-note { display: flex; align-items: center; gap: 6px; font-size: 0.7rem; color: var(--faint); justify-content: center; margin-top: 9px; }
.success-state { display: none; text-align: center; padding: 20px 0; }
.success-state.show { display: block; }
.success-icon { font-size: 2.6rem; margin-bottom: 10px; }
.success-state h4 { font-family: 'Playfair Display', serif; font-size: 1.15rem; color: var(--navy); margin-bottom: 5px; }
.success-state p { font-size: 0.83rem; color: var(--muted); }

/* ── TRUST STRIP ── */
.trust-strip { background: var(--cream); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 13px 24px; }
.trust-strip-inner { max-width: 1140px; margin: 0 auto; display: flex; justify-content: center; flex-wrap: wrap; gap: 24px; }
.trust-item { display: flex; align-items: center; gap: 7px; font-size: 0.77rem; font-weight: 500; color: var(--muted); }
.trust-item svg { color: var(--gold); flex-shrink: 0; }

/* ── SECTION ── */
.section { padding: 72px 24px; }
.section-inner { max-width: 1140px; margin: 0 auto; }
.section-label { font-size: 0.7rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: #00916e; margin-bottom: 10px; }
.section-title { font-family: 'Playfair Display', serif; font-size: clamp(1.7rem, 2.5vw, 2.3rem); color: #111827; margin-bottom: 12px; }
.section-sub { font-size: 0.95rem; color: var(--muted); max-width: 540px; line-height: 1.7; }

/* ── CALCULATOR ── */
.calc-section { background: var(--white); }
.calc-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: start; margin-top: 44px; }
.calc-box { background: var(--warm-white); border: 1px solid var(--border); border-radius: 16px; padding: 30px; }
.calc-box h3 { font-family: 'Playfair Display', serif; font-size: 1.1rem; color: var(--navy); margin-bottom: 5px; }
.calc-box > p { font-size: 0.82rem; color: var(--muted); margin-bottom: 22px; }
.calc-field { margin-bottom: 18px; }
.calc-field label { display: flex; justify-content: space-between; font-size: 0.76rem; font-weight: 600; color: var(--text); text-transform: uppercase; letter-spacing: 0.04em; margin-bottom: 7px; }
.calc-field label span { color: var(--gold); font-family: 'Playfair Display', serif; font-size: 0.95rem; font-weight: 700; text-transform: none; letter-spacing: 0; }
.calc-field input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 4px; background: var(--border); border-radius: 4px; outline: none; cursor: pointer; }
.calc-field input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%; background: var(--navy); border: 3px solid var(--gold); cursor: pointer; }
.calc-field select { width: 100%; padding: 10px 13px; border: 1.5px solid var(--border); border-radius: 8px; font-family: 'Inter', sans-serif; font-size: 0.92rem; color: var(--text); background: var(--white); outline: none; appearance: none; }
.calc-result { background: #1e3a5f; border-radius: 12px; padding: 22px; margin-top: 18px; }
.calc-result-label { font-size: 0.7rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255,255,255,0.4); margin-bottom: 5px; }
.calc-result-amount { font-family: 'Inter', sans-serif; font-size: 2.5rem; color: #00b796; font-weight: 700; font-weight: 700; line-height: 1; }
.calc-result-sub { font-size: 0.78rem; color: rgba(255,255,255,0.4); margin-top: 5px; }
.calc-breakdown { margin-top: 18px; }
.calc-row { display: flex; justify-content: space-between; padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,0.06); font-size: 0.84rem; }
.calc-row:last-child { border-bottom: none; }
.calc-row span:first-child { color: rgba(255,255,255,0.55); }
.calc-row span:last-child { color: #fff; font-weight: 600; }
.calc-row.hl span:last-child { color: var(--gold); }
.calc-cta { background: #00b796; color: #1e3a5f; border: none; border-radius: 8px; padding: 11px 20px; width: 100%; margin-top: 14px; font-family: 'Inter', sans-serif; font-size: 0.88rem; font-weight: 700; cursor: pointer; transition: background 0.2s; }
.calc-cta:hover { background: var(--gold-light); }
.calc-info h3 { font-family: 'Playfair Display', serif; font-size: 1.2rem; color: var(--navy); margin-bottom: 14px; padding-top: 4px; }
.calc-tip { background: var(--cream); border-left: 3px solid var(--gold); border-radius: 0 8px 8px 0; padding: 13px 16px; margin-bottom: 13px; }
.calc-tip h4 { font-size: 0.83rem; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.calc-tip p { font-size: 0.81rem; color: var(--muted); line-height: 1.6; }

/* ── COMPARISON TABLE ── */
.compare-section { background: var(--cream); }
.compare-table-wrap { margin-top: 40px; border-radius: 16px; overflow: hidden; border: 1px solid var(--border); box-shadow: 0 4px 24px rgba(0,0,0,0.06); }
table { width: 100%; border-collapse: collapse; background: var(--white); }
thead tr { background: var(--navy); }
th { padding: 15px 18px; text-align: left; font-size: 0.73rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: rgba(255,255,255,0.5); }
th:first-child { color: rgba(255,255,255,0.8); }
tbody tr { border-bottom: 1px solid var(--border); transition: background 0.15s; }
tbody tr:last-child { border-bottom: none; }
tbody tr:hover { background: var(--cream); }
td { padding: 17px 18px; font-size: 0.87rem; vertical-align: middle; }
.provider-name { font-weight: 700; color: var(--navy); font-size: 0.93rem; display: block; margin-bottom: 2px; }
.provider-type { font-size: 0.7rem; color: var(--muted); }
.score-pill { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 50%; font-weight: 700; font-size: 0.88rem; }
.s-high { background: #d4f0e3; color: #156b38; }
.s-mid  { background: #d9f0fb; color: #0a6897; }
.s-low  { background: #fff0cc; color: #8a5c00; }
.price-from { font-size: 0.68rem; color: var(--faint); display: block; }
.price-val  { font-weight: 700; color: var(--navy); font-size: 0.93rem; }
.badge { display: inline-block; padding: 2px 8px; border-radius: 100px; font-size: 0.66rem; font-weight: 700; letter-spacing: 0.05em; text-transform: uppercase; margin-top: 4px; }
.badge-best  { background: var(--green-bg); color: var(--green); }
.badge-value { background: var(--amber-bg); color: var(--amber); }
.badge-ltd   { background: var(--teal-bg); color: var(--teal); }
.check { color: var(--green); }
.cross { color: var(--red); }
.table-cta { display: inline-block; padding: 7px 14px; background: var(--navy); color: #fff; border-radius: 6px; font-size: 0.76rem; font-weight: 600; text-decoration: none; white-space: nowrap; transition: background 0.2s; }
.table-cta:hover { background: var(--navy-mid); }
.table-cta.gold { background: #00b796; color: #1e3a5f; }
.table-cta.gold:hover { background: #00d4ac; }
.table-note { font-size: 0.76rem; color: var(--muted); margin-top: 12px; padding: 0 4px; }
.table-note a { color: var(--teal); }

/* ── CTA BANNER ── */
.cta-banner { background: #1e3a5f; padding: 56px 24px; text-align: center; position: relative; overflow: hidden; }
.cta-banner::before { content: ''; position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%); width: 600px; height: 300px; background: radial-gradient(ellipse, rgba(0,183,150,0.1) 0%, transparent 70%); pointer-events: none; }
.cta-banner-inner { max-width: 580px; margin: 0 auto; position: relative; }
.cta-banner h2 { font-family: 'Playfair Display', serif; font-size: clamp(1.5rem, 2.5vw, 2rem); color: #fff; margin-bottom: 10px; }
.cta-banner p { color: rgba(255,255,255,0.5); font-size: 0.93rem; margin-bottom: 26px; line-height: 1.65; }
.cta-banner-btn { display: inline-block; background: var(--gold); color: var(--navy); padding: 12px 30px; border-radius: 8px; font-weight: 700; font-size: 0.95rem; text-decoration: none; transition: background 0.2s, transform 0.1s; }
.cta-banner-btn:hover { background: var(--gold-light); transform: translateY(-2px); }

/* ── NEWS ── */
.news-section { background: var(--white); }
.news-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 40px; }
.news-card { background: var(--warm-white); border: 1px solid var(--border); border-radius: 12px; padding: 22px; transition: box-shadow 0.25s, transform 0.25s; }
.news-card:hover { box-shadow: 0 8px 30px rgba(0,0,0,0.09); transform: translateY(-3px); }
.news-meta { display: flex; align-items: center; gap: 8px; margin-bottom: 10px; flex-wrap: wrap; }
.news-tag { font-size: 0.66rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; padding: 3px 8px; border-radius: 100px; }
.news-tag-hmrc { background: var(--amber-bg); color: var(--amber); }
.news-tag-mtd  { background: var(--teal-bg); color: var(--teal); }
.news-tag-sa   { background: var(--green-bg); color: var(--green); }
.news-tag-budget { background: #f0eafa; color: #6b3fa0; }
.news-date { font-size: 0.72rem; color: var(--faint); }
.news-card h4 { font-family: 'Playfair Display', serif; font-size: 0.97rem; color: var(--navy); line-height: 1.4; margin-bottom: 8px; }
.news-card p { font-size: 0.81rem; color: var(--muted); line-height: 1.65; }
.news-link { display: inline-flex; align-items: center; gap: 4px; font-size: 0.76rem; font-weight: 600; color: var(--teal); text-decoration: none; margin-top: 12px; }
.news-link:hover { color: var(--navy); }
.news-link svg { transition: transform 0.2s; }
.news-link:hover svg { transform: translateX(3px); }

/* ── BLOG / GUIDES ── */
.blog-section { background: var(--cream); }
.blog-layout { display: grid; grid-template-columns: 2fr 1fr; gap: 52px; margin-top: 44px; align-items: start; }
.blog-posts { display: flex; flex-direction: column; gap: 20px; }
.blog-card { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 24px; display: flex; gap: 20px; transition: box-shadow 0.25s, transform 0.25s; text-decoration: none; color: inherit; }
.blog-card:hover { box-shadow: 0 8px 28px rgba(0,0,0,0.08); transform: translateY(-2px); }
.blog-icon { width: 52px; height: 52px; border-radius: 10px; background: var(--navy); display: flex; align-items: center; justify-content: center; font-size: 1.4rem; flex-shrink: 0; }
.blog-tag { font-size: 0.66rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: #00916e; margin-bottom: 5px; }
.blog-card h4 { font-family: 'Playfair Display', serif; font-size: 1rem; color: var(--navy); line-height: 1.4; margin-bottom: 5px; }
.blog-card p { font-size: 0.81rem; color: var(--muted); line-height: 1.65; }
.blog-footer { display: flex; align-items: center; justify-content: space-between; margin-top: 10px; }
.blog-date { font-size: 0.72rem; color: var(--faint); }
.blog-read { font-size: 0.76rem; font-weight: 600; color: var(--teal); }

/* ── FAQ ── */
.faq-sidebar h3 { font-family: 'Playfair Display', serif; font-size: 1.15rem; color: var(--navy); margin-bottom: 16px; }
.faq-item { background: var(--white); border: 1px solid var(--border); border-radius: 10px; overflow: hidden; margin-bottom: 10px; }
.faq-q { width: 100%; padding: 14px 16px; display: flex; justify-content: space-between; align-items: center; background: none; border: none; cursor: pointer; font-family: 'Inter', sans-serif; font-size: 0.84rem; font-weight: 600; color: var(--navy); text-align: left; gap: 10px; }
.faq-q svg { flex-shrink: 0; transition: transform 0.25s; color: var(--gold); }
.faq-item.open .faq-q svg { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.3s ease, padding 0.3s; font-size: 0.82rem; color: var(--muted); line-height: 1.7; padding: 0 16px; }
.faq-item.open .faq-a { max-height: 250px; padding: 0 16px 14px; }

/* ── TESTIMONIALS ── */
.testimonials-section { background: #1e3a5f; padding: 72px 24px; }
.testimonials-section .section-title { color: #fff; }
.testimonials-section .section-sub { color: rgba(255,255,255,0.45); }
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 44px; }
.testi-card { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.08); border-radius: 14px; padding: 22px; transition: border-color 0.3s; }
.testi-card:hover { border-color: rgba(0,183,150,0.3); }
.testi-stars { color: #00b796; font-size: 0.78rem; margin-bottom: 10px; }
.testi-quote { font-size: 0.88rem; color: rgba(255,255,255,0.7); line-height: 1.75; font-weight: 300; margin-bottom: 18px; }
.testi-author { display: flex; align-items: center; gap: 10px; }
.testi-avatar { width: 36px; height: 36px; border-radius: 50%; flex-shrink: 0; background: linear-gradient(135deg, var(--gold), var(--navy-mid)); display: flex; align-items: center; justify-content: center; font-family: 'Playfair Display', serif; color: #fff; font-size: 0.85rem; font-weight: 700; }
.testi-name { font-size: 0.83rem; font-weight: 600; color: #fff; }
.testi-role { font-size: 0.7rem; color: rgba(255,255,255,0.35); margin-top: 1px; }

/* ── BOTTOM LEAD ── */
.bottom-lead { background: var(--warm-white); padding: 72px 24px; }
.bottom-lead-inner { max-width: 1140px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.bottom-lead-left h2 { font-family: 'Playfair Display', serif; font-size: clamp(1.5rem, 2.2vw, 2rem); color: var(--navy); margin-bottom: 12px; }
.bottom-lead-left p { color: var(--muted); font-size: 0.93rem; line-height: 1.7; margin-bottom: 22px; }
.check-list { list-style: none; display: flex; flex-direction: column; gap: 9px; }
.check-list li { display: flex; align-items: flex-start; gap: 9px; font-size: 0.86rem; color: var(--muted); }
.check-list li::before { content: '✓'; width: 19px; height: 19px; border-radius: 50%; background: var(--green-bg); color: var(--green); display: flex; align-items: center; justify-content: center; font-size: 0.68rem; font-weight: 700; flex-shrink: 0; margin-top: 1px; }
.bottom-card { background: var(--white); border-radius: 16px; padding: 30px; border: 1px solid var(--border); box-shadow: 0 8px 40px rgba(0,0,0,0.07); }
.bottom-card h3 { font-family: 'Playfair Display', serif; font-size: 1.15rem; color: var(--navy); margin-bottom: 5px; }
.bottom-card > p { font-size: 0.8rem; color: var(--muted); margin-bottom: 18px; }

/* ── INLINE LEAD (guide pages) ── */
.inline-lead { background: #1e3a5f; border-radius: 16px; padding: 28px 32px; margin: 40px 0; }
.inline-lead h3 { font-family: 'Playfair Display', serif; font-size: 1.15rem; color: #fff; margin-bottom: 6px; }
.inline-lead p { color: rgba(255,255,255,0.55); font-size: 0.85rem; margin-bottom: 20px; }
.inline-lead .fg label { color: rgba(255,255,255,0.6); }
.inline-lead .fg input, .inline-lead .fg select { background: rgba(255,255,255,0.08); border-color: rgba(255,255,255,0.15); color: #fff; }
.inline-lead .fg input::placeholder { color: rgba(255,255,255,0.3); }
.inline-lead .fg input:focus, .inline-lead .fg select:focus { border-color: var(--gold); }
.inline-lead .submit-btn { background: var(--gold); color: var(--navy); }
.inline-lead .submit-btn:hover { background: var(--gold-light); }
.inline-lead .form-note { color: rgba(255,255,255,0.3); }

/* ── TAGS / BADGES ── */
.tag { display: inline-block; font-size: 0.66rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; padding: 3px 8px; border-radius: 100px; }
.tag-hmrc    { background: var(--amber-bg); color: var(--amber); }
.tag-mtd     { background: var(--teal-bg); color: var(--teal); }
.tag-sa      { background: var(--green-bg); color: var(--green); }
.tag-guide   { background: #e8eeff; color: #3355cc; }
.tag-budget  { background: #f0eafa; color: #6b3fa0; }

/* ── GUIDE LAYOUT ── */
.guide-layout { display: grid; grid-template-columns: 1fr 280px; gap: 52px; align-items: start; max-width: 1140px; margin: 0 auto; padding: 60px 24px; }
.guide-sidebar { position: sticky; top: 86px; }
.sidebar-box { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 22px; margin-bottom: 18px; }
.sidebar-box h4 { font-family: 'Playfair Display', serif; font-size: 0.95rem; color: var(--navy); margin-bottom: 14px; }
.sidebar-toc { list-style: none; }
.sidebar-toc li { border-bottom: 1px solid var(--border); }
.sidebar-toc li:last-child { border-bottom: none; }
.sidebar-toc a { display: block; padding: 8px 0; font-size: 0.82rem; color: var(--muted); text-decoration: none; transition: color 0.2s; }
.sidebar-toc a:hover { color: var(--teal); }

/* ── PROSE ── */
.prose { max-width: 100%; }
.prose h2 { font-family: 'Playfair Display', serif; font-size: 1.5rem; color: var(--navy); margin: 36px 0 12px; }
.prose h3 { font-family: 'Playfair Display', serif; font-size: 1.15rem; color: var(--navy); margin: 28px 0 10px; }
.prose p { font-size: 0.95rem; color: var(--muted); line-height: 1.8; margin-bottom: 16px; }
.prose ul, .prose ol { padding-left: 20px; margin-bottom: 16px; }
.prose li { font-size: 0.95rem; color: var(--muted); line-height: 1.8; margin-bottom: 6px; }
.prose strong { color: var(--text); font-weight: 600; }
.prose a { color: var(--teal); text-decoration: none; }
.prose a:hover { text-decoration: underline; }
.prose .callout { background: var(--cream); border-left: 3px solid var(--gold); border-radius: 0 8px 8px 0; padding: 16px 20px; margin: 24px 0; }
.prose .callout p { margin: 0; font-size: 0.88rem; }
.prose hr { border: none; border-top: 1px solid var(--border); margin: 36px 0; }

/* ── GUIDES GRID ── */
.guides-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 20px; margin-top: 44px; }
.guide-card { background: var(--white); border: 1px solid var(--border); border-radius: 14px; padding: 26px; text-decoration: none; color: inherit; display: flex; flex-direction: column; gap: 10px; transition: box-shadow 0.25s, transform 0.25s, border-color 0.25s; position: relative; overflow: hidden; }
.guide-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--gold), var(--gold-light)); opacity: 0; transition: opacity 0.25s; }
.guide-card:hover { box-shadow: 0 10px 36px rgba(0,0,0,0.1); transform: translateY(-4px); border-color: rgba(0,183,150,0.3); }
.guide-card:hover::before { opacity: 1; }
.guide-icon { font-size: 2rem; }
.guide-card h3 { font-family: 'Playfair Display', serif; font-size: 1.05rem; color: var(--navy); line-height: 1.4; }
.guide-card p { font-size: 0.83rem; color: var(--muted); line-height: 1.65; flex: 1; }
.guide-card-footer { display: flex; align-items: center; justify-content: space-between; padding-top: 12px; border-top: 1px solid var(--border); margin-top: auto; }
.guide-date { font-size: 0.7rem; color: var(--faint); }
.guide-read { font-size: 0.78rem; font-weight: 700; color: var(--teal); }

/* ── NEWS PAGE SPECIFIC ── */
.news-layout { display: grid; grid-template-columns: 1fr 300px; gap: 48px; align-items: start; max-width: 1140px; margin: 0 auto; padding: 56px 24px; }
.news-list { display: flex; flex-direction: column; gap: 20px; }
.news-article { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 24px; transition: box-shadow 0.25s, transform 0.2s; }
.news-article:hover { box-shadow: 0 8px 28px rgba(0,0,0,0.08); transform: translateY(-2px); }
.news-article-meta { display: flex; align-items: center; gap: 10px; margin-bottom: 10px; flex-wrap: wrap; }
.news-date-pill { font-size: 0.72rem; color: var(--faint); }
.news-source { font-size: 0.7rem; font-weight: 600; color: var(--muted); background: var(--cream); padding: 2px 8px; border-radius: 100px; }
.news-article h3 { font-family: 'Playfair Display', serif; font-size: 1.05rem; color: var(--navy); line-height: 1.4; margin-bottom: 8px; }
.news-article p { font-size: 0.85rem; color: var(--muted); line-height: 1.7; margin-bottom: 14px; }
.read-more { font-size: 0.78rem; font-weight: 600; color: var(--teal); text-decoration: none; display: inline-flex; align-items: center; gap: 4px; }
.read-more:hover { color: var(--navy); }
.live-feed-box { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 22px; margin-bottom: 32px; }
.live-feed-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 16px; }
.live-feed-header h4 { font-family: 'Playfair Display', serif; font-size: 1rem; color: var(--navy); }
.live-dot { display: inline-flex; align-items: center; gap: 5px; font-size: 0.68rem; font-weight: 700; color: var(--green); text-transform: uppercase; letter-spacing: 0.06em; }
.live-dot::before { content: ''; width: 7px; height: 7px; border-radius: 50%; background: var(--green); animation: pulse 1.8s infinite; }
@keyframes pulse { 0%,100%{opacity:1} 50%{opacity:0.4} }
.feed-item { padding: 11px 0; border-bottom: 1px solid var(--border); }
.feed-item:last-child { border-bottom: none; padding-bottom: 0; }
.feed-item-date { font-size: 0.68rem; color: var(--faint); margin-bottom: 3px; }
.feed-item a { font-size: 0.83rem; color: var(--navy); text-decoration: none; line-height: 1.45; display: block; font-weight: 500; }
.feed-item a:hover { color: var(--teal); }
.feed-loading { font-size: 0.82rem; color: var(--faint); text-align: center; padding: 16px 0; }
.feed-error { font-size: 0.8rem; color: var(--muted); text-align: center; padding: 12px; background: var(--cream); border-radius: 8px; }

/* ── NEWS / CONTACT SIDEBAR ── */
.news-sidebar .sidebar-box { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 22px; margin-bottom: 18px; }
.news-sidebar .sidebar-box h4 { font-family: 'Playfair Display', serif; font-size: 0.95rem; color: var(--navy); margin-bottom: 12px; }
.deadline-item { display: flex; justify-content: space-between; align-items: flex-start; padding: 9px 0; border-bottom: 1px solid var(--border); gap: 10px; }
.deadline-item:last-child { border-bottom: none; }
.deadline-label { font-size: 0.82rem; color: var(--muted); line-height: 1.4; }
.deadline-date { font-size: 0.78rem; font-weight: 700; white-space: nowrap; }
.deadline-date.urgent { color: var(--red); }
.deadline-date.upcoming { color: #00916e; }
.deadline-date.future { color: var(--green); }
.sidebar-cta { background: #1e3a5f; border-radius: 12px; padding: 22px; }
.sidebar-cta p { font-size: 0.82rem; color: rgba(255,255,255,0.55); margin-bottom: 14px; line-height: 1.6; }
.sidebar-cta a { display: block; background: var(--gold); color: var(--navy); text-align: center; padding: 11px; border-radius: 8px; font-weight: 700; font-size: 0.88rem; text-decoration: none; transition: background 0.2s; }
.sidebar-cta a:hover { background: var(--gold-light); }

/* ── CONTACT PAGE ── */
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start; max-width: 1140px; margin: 0 auto; padding: 60px 24px; }
.contact-card { background: var(--white); border: 1px solid var(--border); border-radius: 16px; padding: 36px; box-shadow: 0 8px 40px rgba(0,0,0,0.07); }
.contact-card h2 { font-family: 'Playfair Display', serif; font-size: 1.4rem; color: var(--navy); margin-bottom: 6px; }
.contact-card > p { font-size: 0.85rem; color: var(--muted); margin-bottom: 24px; line-height: 1.6; }
.step-row { display: flex; gap: 16px; margin-bottom: 20px; }
.step-num { width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: #fff; display: flex; align-items: center; justify-content: center; font-family: 'Playfair Display', serif; font-weight: 700; flex-shrink: 0; font-size: 1rem; }
.step-text h4 { font-size: 0.9rem; font-weight: 700; color: var(--navy); margin-bottom: 3px; }
.step-text p { font-size: 0.82rem; color: var(--muted); line-height: 1.6; }

/* ── ABOUT PAGE ── */
.about-layout { display: grid; grid-template-columns: 2fr 1fr; gap: 52px; max-width: 1140px; margin: 0 auto; padding: 60px 24px; align-items: start; }
.values-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 20px; }
.value-card { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 20px; }
.value-icon { font-size: 1.6rem; margin-bottom: 10px; }
.value-card h4 { font-family: 'Playfair Display', serif; font-size: 0.95rem; color: var(--navy); margin-bottom: 6px; }
.value-card p { font-size: 0.8rem; color: var(--muted); line-height: 1.6; }
.stats-sidebar { background: var(--white); border: 1px solid var(--border); border-radius: 12px; padding: 22px; margin-bottom: 18px; }
.stats-sidebar h4 { font-family: 'Playfair Display', serif; font-size: 0.95rem; color: var(--navy); margin-bottom: 16px; }
.stat-row { margin-bottom: 16px; }
.stat-row:last-child { margin-bottom: 0; }
.stat-big { font-family: 'Playfair Display', serif; font-size: 1.6rem; color: var(--navy); font-weight: 700; display: block; }
.stat-desc { font-size: 0.8rem; color: var(--muted); }

/* ── FOOTER ── */
footer { background: #152d4a; padding: 40px 24px 24px; }
.footer-inner { max-width: 1140px; margin: 0 auto; }
.footer-top { display: flex; justify-content: space-between; align-items: flex-start; padding-bottom: 24px; border-bottom: 1px solid rgba(255,255,255,0.06); flex-wrap: wrap; gap: 24px; }
.footer-logo { font-family: 'Inter', sans-serif; font-size: 1.35rem; color: #ffffff; text-decoration: none; font-weight: 700; letter-spacing: -0.01em; }
.footer-logo span { color: #00b796; }
.footer-tagline { font-size: 0.73rem; color: rgba(255,255,255,0.25); margin-top: 4px; }
.footer-disclaimer { font-size: 0.7rem; color: rgba(255,255,255,0.2); max-width: 460px; line-height: 1.65; }
.footer-links { display: flex; gap: 18px; flex-wrap: wrap; align-items: flex-start; }
.footer-links a { color: rgba(255,255,255,0.3); font-size: 0.77rem; text-decoration: none; transition: color 0.2s; }
.footer-links a:hover { color: var(--gold); }
.footer-bottom { margin-top: 18px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; font-size: 0.7rem; color: rgba(255,255,255,0.2); }

/* ── ANIMATIONS ── */
@keyframes fadeUp { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }
.reveal { opacity: 0; transform: translateY(18px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ── RESPONSIVE ── */
@media (max-width: 960px) {
  .hero-inner, .calc-layout, .bottom-lead-inner, .contact-layout, .about-layout { grid-template-columns: 1fr; gap: 36px; }
  .blog-layout, .news-layout, .guide-layout { grid-template-columns: 1fr; }
  .guide-sidebar { position: static; }
  .testi-grid, .news-grid { grid-template-columns: 1fr 1fr; }
  .values-grid { grid-template-columns: 1fr 1fr; }
  .compare-table-wrap { overflow-x: auto; }
  table { min-width: 700px; }
}
@media (max-width: 600px) {
  .nav-links { display: none; }
  .testi-grid, .news-grid, .values-grid, .guides-grid { grid-template-columns: 1fr; }
  .fg-row { grid-template-columns: 1fr; }
  .hero-stats { gap: 20px; flex-wrap: wrap; }
}