/* ============================================================
   DESIGN SYSTEM — shared stylesheet for all page templates
   Every prototype links to this file. Edit tokens here only.
   ============================================================ */

:root{
  --paper:#FBFAF7;
  --ink:#16211C;
  --muted:#5F6B62;
  --rule:#DCD9D0;
  --rule-strong:#B6BDB2;
  --green:#14503C;
  --green-dark:#0E3F2E;
  --green-soft:#E7EEE8;
  --flag:#9B3B2F;
  --done:#8A9690;
  --footer:#F5F3EE;
  --measure:68ch;
}

*{box-sizing:border-box;}
html{-webkit-text-size-adjust:100%;}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:"Public Sans",system-ui,sans-serif;
  font-size:17px;line-height:1.62;-webkit-font-smoothing:antialiased;
}
.wrap{max-width:1080px;margin:0 auto;padding:0 28px;}
.wrap-narrow{max-width:780px;margin:0 auto;padding:0 28px;}
a{color:var(--green);text-underline-offset:3px;text-decoration-thickness:1px;}
a:hover{text-decoration-thickness:2px;}
:focus-visible{outline:2px solid var(--green);outline-offset:3px;}
p{max-width:var(--measure);}
hr{border:none;border-top:1px solid var(--rule);margin:44px 0;}

/* ---------- TYPE ---------- */
h1{font-size:clamp(1.95rem,3.6vw,2.75rem);line-height:1.1;letter-spacing:-.03em;font-weight:800;margin:0 0 14px;max-width:20ch;}
h2{font-size:clamp(1.5rem,2.6vw,1.95rem);line-height:1.15;letter-spacing:-.024em;font-weight:800;margin:46px 0 12px;max-width:24ch;}
h3{font-size:1.08rem;font-weight:700;letter-spacing:-.015em;margin:30px 0 6px;}
.standfirst{font-size:1.115rem;line-height:1.6;color:var(--muted);max-width:52ch;margin:0 0 30px;}
.caption{font-size:14px;color:var(--muted);}
.figure-xl{font-size:clamp(2.4rem,6vw,4rem);font-weight:800;letter-spacing:-.045em;line-height:1;font-variant-numeric:tabular-nums;}
.num{font-variant-numeric:tabular-nums;}

/* ---------- MASTHEAD / FOOTER ---------- */
.masthead{border-bottom:1px solid var(--rule);}
.masthead .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:18px;padding-bottom:18px;}
.mark{font-weight:800;letter-spacing:-.025em;font-size:19px;text-decoration:none;color:var(--ink);}
.mark span{color:var(--green);}
.nav{display:flex;gap:26px;font-size:15px;font-weight:500;}
.nav a{color:var(--ink);text-decoration:none;}
.nav a:hover{color:var(--green);text-decoration:underline;text-underline-offset:4px;}
@media(max-width:820px){.nav{display:none;}}

.site-footer{border-top:1px solid var(--rule);background:var(--footer);margin-top:70px;}
.site-footer .wrap{padding-top:44px;padding-bottom:52px;display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px;}
@media(max-width:760px){.site-footer .wrap{grid-template-columns:1fr 1fr;}}
.site-footer h4{font-size:14px;font-weight:700;margin:0 0 12px;}
.site-footer ul{list-style:none;margin:0;padding:0;font-size:14.5px;}
.site-footer li{padding:4px 0;}
.site-footer a{color:var(--muted);text-decoration:none;}
.site-footer a:hover{color:var(--green);text-decoration:underline;}
.fine{font-size:13.5px;color:var(--muted);max-width:40ch;line-height:1.5;}

/* ---------- BUTTONS ---------- */
.btn{display:inline-block;background:var(--green);color:#fff;text-decoration:none;font-weight:700;font-size:16px;padding:14px 24px;border-radius:2px;border:1px solid var(--green);cursor:pointer;}
.btn:hover{background:var(--green-dark);border-color:var(--green-dark);}
.btn-quiet{background:none;color:var(--ink);border:1px solid var(--rule-strong);}
.btn-quiet:hover{background:#fff;border-color:var(--ink);color:var(--ink);}
.btn-sm{font-size:14.5px;padding:10px 18px;}

/* ---------- SHELLS ---------- */
/* A — article + rail */
.shell-a{display:grid;grid-template-columns:minmax(0,1fr) 290px;gap:64px;padding-top:44px;padding-bottom:20px;align-items:start;}
@media(max-width:920px){.shell-a{grid-template-columns:1fr;gap:40px;}}
/* B — data dense */
.shell-b{padding-top:44px;padding-bottom:20px;}
.shell-b .prose{max-width:var(--measure);}
/* C — index */
.shell-c{padding-top:44px;padding-bottom:20px;}
/* D — tool */
.shell-d{display:grid;grid-template-columns:380px minmax(0,1fr);gap:56px;padding-top:44px;align-items:start;}
@media(max-width:880px){.shell-d{grid-template-columns:1fr;gap:32px;}}
/* E — document */
.shell-e{padding-top:44px;padding-bottom:20px;}
.shell-e p,.shell-e li{max-width:62ch;}
/* F — front page sections */
.section{border-top:1px solid var(--rule);}
.section .wrap{padding-top:66px;padding-bottom:66px;}
.section h2{margin-top:0;}

/* ---------- 6.1 BREADCRUMB ---------- */
.crumb{font-size:14px;color:var(--muted);margin:0 0 18px;}
.crumb a{color:var(--muted);}

/* ---------- 6.2 BYLINE ---------- */
.byline{font-size:14px;color:var(--muted);border-bottom:1px solid var(--rule);padding-bottom:18px;margin-bottom:30px;}
.byline a{color:var(--muted);}

/* ---------- 6.3 DIRECT ANSWER ---------- */
.answer{background:#fff;border:1px solid var(--rule-strong);border-left:3px solid var(--green);padding:22px 24px;margin-bottom:38px;}
.answer p{margin:0;max-width:60ch;font-size:17.5px;}
.answer strong{font-weight:800;font-variant-numeric:tabular-nums;}

/* ---------- 6.4 DATA TABLE ---------- */
table.data{width:100%;border-collapse:collapse;font-size:15.5px;font-variant-numeric:tabular-nums;background:#fff;border:1px solid var(--rule-strong);margin:22px 0 10px;}
table.data caption{text-align:left;font-size:14px;color:var(--muted);padding-bottom:8px;}
table.data th{text-align:left;font-weight:700;font-size:13.5px;color:var(--muted);padding:11px 16px;border-bottom:1px solid var(--rule-strong);}
table.data td{padding:10px 16px;border-bottom:1px solid var(--rule);}
table.data tbody tr:last-child td{border-bottom:none;}
table.data td.n,table.data th.n{text-align:right;}
table.data td.n{font-weight:600;}
table.data tr.total td{font-weight:800;background:var(--green-soft);border-top:1px solid var(--rule-strong);}

/* ---------- 6.5 FLAGGED ROW ---------- */
tr.flagged td:first-child::after{content:" ●";color:var(--flag);font-size:11px;vertical-align:middle;}
.legend{font-size:13.5px;color:var(--muted);margin:0 0 30px;}
.legend b{color:var(--flag);}

/* ---------- 6.6 READOUT PANEL ---------- */
.readout{border:1px solid var(--rule-strong);background:#fff;padding:26px;}
.readout-label{font-size:14px;font-weight:700;color:var(--muted);margin-bottom:2px;}
.readout-note{font-size:14px;color:var(--muted);margin:6px 0 0;}
.gauge{margin:26px 0 8px;position:relative;height:10px;background:#EDEBE4;}
.gauge>span{display:block;height:100%;background:var(--green);}
.gauge .threshold{position:absolute;top:-7px;bottom:-7px;width:2px;background:var(--flag);}
.gauge-labels{display:flex;justify-content:space-between;font-size:13px;color:var(--muted);font-variant-numeric:tabular-nums;}
.ledger{width:100%;border-collapse:collapse;margin-top:18px;font-size:15px;font-variant-numeric:tabular-nums;}
.ledger th{text-align:left;font-weight:500;color:var(--muted);padding:7px 0;border-bottom:1px solid var(--rule);}
.ledger td{text-align:right;font-weight:600;padding:7px 0;border-bottom:1px solid var(--rule);}
.ledger tr:last-child th,.ledger tr:last-child td{border-bottom:none;}

/* ---------- 6.7 STAT ROW ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--rule-strong);background:#fff;margin:0 0 34px;}
@media(max-width:700px){.stats{grid-template-columns:repeat(2,1fr);}}
.stats div{padding:20px 22px;border-right:1px solid var(--rule);}
.stats div:last-child{border-right:none;}
@media(max-width:700px){.stats div:nth-child(2){border-right:none;}.stats div:nth-child(-n+2){border-bottom:1px solid var(--rule);}}
.stats b{display:block;font-size:1.75rem;font-weight:800;letter-spacing:-.03em;font-variant-numeric:tabular-nums;line-height:1.1;}
.stats span{display:block;font-size:13.5px;color:var(--muted);margin-top:4px;}

/* ---------- 6.8 ITEMISED LIST WITH FIGURES ---------- */
.itemised{border-top:1px solid var(--rule);margin-top:24px;}
.itemised>div{border-bottom:1px solid var(--rule);padding:16px 0;display:grid;grid-template-columns:1fr auto;gap:20px;align-items:baseline;}
.itemised h3{margin:0 0 4px;font-size:16px;}
.itemised p{margin:0;font-size:15px;color:var(--muted);}
.itemised b{font-weight:800;font-variant-numeric:tabular-nums;white-space:nowrap;}

/* ---------- 6.9 LENDER CALLOUT ---------- */
.callout-lender{background:var(--green-soft);padding:26px 28px;margin:40px 0;}
.callout-lender h2{margin-top:0;}
.callout-lender p{max-width:60ch;}

/* ---------- 6.10 CAUTION CALLOUT ---------- */
.callout-caution{background:#fff;border-left:3px solid var(--flag);padding:18px 22px;margin:32px 0;}
.callout-caution p{margin:0;font-size:15.5px;}

/* ---------- 6.11 CHART ---------- */
.chart{border:1px solid var(--rule-strong);background:#fff;padding:22px 24px;margin:24px 0;}
.chart h3{margin:0 0 2px;font-size:15px;}
.chart .src{font-size:13px;color:var(--muted);margin:14px 0 0;}
.bars{display:flex;align-items:flex-end;gap:6px;height:180px;margin-top:20px;}
.bars>div{flex:1;background:var(--green);position:relative;min-width:0;}
.bars>div.dim{background:#C6D2C8;}
.bars>div i{position:absolute;bottom:-22px;left:0;right:0;text-align:center;font-size:12px;color:var(--muted);font-style:normal;font-variant-numeric:tabular-nums;}
.bars-axis{margin-top:28px;}

/* ---------- 6.12 SOURCE LIST ---------- */
.sources{border-top:2px solid var(--ink);margin-top:52px;padding-top:20px;}
.sources ul{font-size:15px;color:var(--muted);max-width:var(--measure);padding-left:18px;margin:0;}
.sources li{margin-bottom:6px;}

/* ---------- 6.13 FRESHNESS STAMP ---------- */
.freshness{display:inline-block;font-size:13px;color:var(--muted);border:1px solid var(--rule);padding:3px 9px;border-radius:2px;font-variant-numeric:tabular-nums;}
.freshness.stale{color:var(--flag);border-color:var(--flag);}

/* ---------- 6.14 RAIL / TOC / CLUSTER NAV ---------- */
.rail{position:sticky;top:28px;font-size:15px;}
@media(max-width:920px){.rail{position:static;}}
.rail h4{font-size:13.5px;font-weight:700;margin:0 0 10px;padding-bottom:8px;border-bottom:2px solid var(--ink);}
.rail ul{list-style:none;margin:0 0 30px;padding:0;}
.rail li{padding:7px 0;border-bottom:1px solid var(--rule);}
.rail a{color:var(--ink);text-decoration:none;}
.rail a:hover{color:var(--green);text-decoration:underline;}
.rail .now{font-weight:700;color:var(--green);}

/* ---------- 6.15 CONVERSION BLOCK ---------- */
.convert{border:1px solid var(--rule-strong);background:#fff;padding:26px 28px;margin:44px 0;}
.convert h3{margin:0 0 8px;font-size:1.25rem;letter-spacing:-.015em;}
.convert p{margin:0 0 18px;color:var(--muted);max-width:52ch;}
.convert-rail{border:1px solid var(--rule-strong);background:#fff;padding:18px;}
.convert-rail p{font-size:14.5px;color:var(--muted);margin:0 0 14px;}
.convert-rail .btn{width:100%;text-align:center;font-size:15px;padding:12px 16px;}

/* ---------- 6.16 RELATED LINKS ---------- */
.related{margin-top:44px;border-top:1px solid var(--rule);}
.related a{display:block;padding:14px 0;border-bottom:1px solid var(--rule);text-decoration:none;color:var(--ink);}
.related a:hover{color:var(--green);}
.related span{display:block;font-size:14.5px;color:var(--muted);margin-top:2px;}

/* ---------- 6.18 COMPARISON TABLE ---------- */
table.compare{width:100%;border-collapse:collapse;font-size:15px;background:#fff;border:1px solid var(--rule-strong);margin:24px 0;}
table.compare th{text-align:left;font-size:13.5px;font-weight:700;color:var(--muted);padding:12px 16px;border-bottom:1px solid var(--rule-strong);vertical-align:bottom;}
table.compare th.us{color:var(--green);}
table.compare td{padding:12px 16px;border-bottom:1px solid var(--rule);vertical-align:top;}
table.compare td:first-child,table.compare th:first-child{font-weight:600;background:#FCFBF8;}
table.compare tbody tr:last-child td{border-bottom:none;}

/* ---------- 6.19 DEFINITION ---------- */
.definition{background:#fff;border:1px solid var(--rule-strong);border-left:3px solid var(--green);padding:20px 22px;margin-bottom:30px;}
.definition dt{font-weight:800;font-size:1.1rem;margin-bottom:4px;}
.definition dd{margin:0;max-width:60ch;}

/* ---------- 6.20 AFFILIATE DISCLOSURE ---------- */
.disclose{font-size:14px;color:var(--muted);background:var(--green-soft);border-left:3px solid var(--green);padding:14px 18px;margin:30px 0;max-width:none;}
.disclose b{color:var(--ink);font-weight:700;}

/* ---------- 6.21 NEWSLETTER ---------- */
.newsletter{border:1px solid var(--rule-strong);background:#fff;padding:22px 24px;margin:44px 0;}
.newsletter form{display:flex;gap:10px;margin-top:14px;flex-wrap:wrap;}
input[type=email],input[type=text],input[type=number],select{
  font:inherit;font-size:16px;padding:12px 14px;border:1px solid var(--rule-strong);
  border-radius:2px;background:#fff;color:var(--ink);min-width:0;
}
input:focus,select:focus{border-color:var(--green);}

/* ---------- 6.22 PAGINATION ---------- */
.pagination{display:flex;gap:8px;margin:40px 0;font-variant-numeric:tabular-nums;}
.pagination a,.pagination span{padding:9px 14px;border:1px solid var(--rule-strong);text-decoration:none;color:var(--ink);font-size:15px;border-radius:2px;}
.pagination .current{background:var(--green);color:#fff;border-color:var(--green);}

/* ---------- INDEX LIST (Shell C) ---------- */
.index-list{border-top:1px solid var(--rule);}
.index-list a{display:grid;grid-template-columns:1fr auto auto;gap:24px;align-items:baseline;
  padding:14px 0;border-bottom:1px solid var(--rule);text-decoration:none;color:var(--ink);}
.index-list a:hover{color:var(--green);}
.index-list b{font-weight:600;}
.index-list .meta{font-size:14.5px;color:var(--muted);font-variant-numeric:tabular-nums;white-space:nowrap;}
@media(max-width:620px){.index-list a{grid-template-columns:1fr auto;}.index-list .hide-sm{display:none;}}

.filters{display:flex;gap:12px;flex-wrap:wrap;padding:18px 0 22px;border-bottom:1px solid var(--rule);margin-bottom:0;}

/* ---------- DIRECTORY COLUMNS ---------- */
.dir{columns:3;column-gap:44px;font-size:15.5px;}
@media(max-width:820px){.dir{columns:2;}}
@media(max-width:520px){.dir{columns:1;}}
.dir a{display:block;padding:7px 0;border-bottom:1px solid var(--rule);text-decoration:none;color:var(--ink);break-inside:avoid;}
.dir a:hover{color:var(--green);}
.dir a b{font-weight:400;color:var(--muted);float:right;font-variant-numeric:tabular-nums;font-size:14px;}

/* ---------- TWO-UP GRIDS ---------- */
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:0 56px;}
@media(max-width:760px){.grid-2{grid-template-columns:1fr;}}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;}
@media(max-width:800px){.grid-3{grid-template-columns:1fr;gap:26px;}}
.tile{border-top:1px solid var(--rule);padding:20px 0;}
.tile p{font-size:15px;color:var(--muted);margin:0;}
.tile-strong{border-top:2px solid var(--ink);padding-top:16px;}
.tile-strong p{font-size:15.5px;color:var(--muted);margin:0;}

/* ---------- MOBILE STICKY CTA ---------- */
.sticky-cta{display:none;}
@media(max-width:720px){
  .sticky-cta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:20;
    background:#fff;border-top:1px solid var(--rule-strong);padding:10px 16px;
    align-items:center;justify-content:space-between;gap:12px;}
  .sticky-cta p{margin:0;font-size:14px;font-weight:600;}
  body{padding-bottom:70px;}
}

/* ---------- SCROLLABLE TABLES ON MOBILE ---------- */
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;}
@media(max-width:620px){
  .table-scroll table{min-width:560px;}
}

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

/* ---------- PRINT ---------- */
@media print{
  .masthead,.rail,.convert,.convert-rail,.site-footer,.sticky-cta,.newsletter,.pagination{display:none!important;}
  body{background:#fff;font-size:11pt;}
  .shell-a,.shell-d{display:block;}
  table.data,table.compare{page-break-inside:avoid;}
  .answer,.readout,.chart{border:1px solid #999;}
  a[href]::after{content:" (" attr(href) ")";font-size:9pt;color:#555;}
}