:root{--navy:#0a2540;--navy-dark:#061a30;--navy-soft:#e8eef5;--navy-mid:#16365c;--gold:#c9a227;--gold-dark:#a88420;--gold-soft:#fbf3dc;--soft:#f5f7fa;--ink:#16233a;--muted:#5b6b7f;--line:#e3e8ef;--green:#0e7c5b;--red:#c0392b;--radius:14px;--shadow:0 10px 30px rgba(10,37,64,.08)}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65;font-size:17px}
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{line-height:1.25;color:var(--ink)}
h1{font-size:2.1rem;margin:.4em 0 .3em}
h2{font-size:1.5rem;margin:1.6em 0 .5em}
h3{font-size:1.15rem;margin:1.2em 0 .4em}
p{margin:.6em 0}
ul,ol{margin:.5em 0 .8em 1.3em}
li{margin:.3em 0}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;gap:22px;max-width:1080px;margin:0 auto;padding:12px 20px;flex-wrap:wrap}
.logo{font-size:1.35rem;font-weight:800;color:var(--ink)}
.logo b{color:var(--navy)}
.logo .pound{display:inline-block;background:var(--navy);color:var(--gold);border-radius:8px;width:30px;height:30px;line-height:30px;text-align:center;font-size:1rem;margin-right:6px}
.nav a.navlink{color:var(--ink);font-weight:600;font-size:.95rem}
.nav a.navlink:hover{color:var(--navy)}
.nav .nav-cta{margin-left:auto}
.nav .btn{padding:8px 18px;font-size:.92rem}
/* ---- Fintech tool hero: calculator-first, full-width navy band ---- */
.tool-hero{background:linear-gradient(180deg,#061a30 0%,#0a2540 100%);color:#fff;padding:56px 0 60px}
.tool-hero .hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;max-width:1140px;margin:0 auto;padding:0 20px;align-items:start}
.tool-hero h1{color:#fff;font-size:2.5rem;line-height:1.15;margin:.35em 0 .4em;letter-spacing:-.01em}
.tool-hero .lede{color:#c3d2e4;font-size:1.12rem;max-width:520px}
.tool-hero .pill{display:inline-block;background:transparent;border:1.5px solid var(--gold);color:var(--gold);font-weight:700;font-size:.82rem;padding:5px 14px;border-radius:999px;margin-bottom:6px}
.trust-ticks{list-style:none;margin:18px 0 0;padding:0;display:flex;flex-direction:column;gap:8px}
.trust-ticks li{margin:0;color:#dbe6f2;font-size:.98rem}
.trust-ticks li::before{content:"✓ ";color:var(--gold);font-weight:800}
.hero-note{margin-top:20px;font-size:.92rem;color:#9fb2c8}
.hero-note b{color:#fff}
.hero-calc{background:#fff;color:var(--ink);border-radius:18px;padding:26px 26px 20px;box-shadow:0 24px 60px rgba(0,0,0,.35)}
.hero-calc h2{margin:0 0 4px;font-size:1.25rem;color:var(--navy)}
.hero-calc .sub{color:var(--muted);font-size:.92rem;margin:0 0 6px}
.hero-calc .calc{border:0;box-shadow:none;margin:0;grid-template-columns:1fr}
.hero-calc .calc-inputs{padding:0}
.hero-calc .calc-results{border-radius:12px;margin-top:16px}
.hero-calc .full-link{display:block;text-align:center;margin-top:14px;font-weight:700;font-size:.95rem}
@media(max-width:860px){.tool-hero .hero-grid{grid-template-columns:1fr}.tool-hero h1{font-size:2rem}}
.btn{display:inline-block;background:var(--gold);color:#061a30;font-weight:800;padding:12px 26px;border-radius:999px;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--gold-dark);color:#fff;text-decoration:none}
.btn.navy{background:var(--navy);color:#fff}
.btn.navy:hover{background:var(--navy-mid)}
/* ---- Tool directory: rows, not blog cards ---- */
.tool-list{border-top:1px solid var(--line);margin:10px 0 26px}
.tool-row{display:flex;gap:18px;align-items:flex-start;padding:18px 4px;border-bottom:1px solid var(--line)}
.tool-row:hover{background:var(--soft)}
.tool-ic{flex:0 0 46px;width:46px;height:46px;border-radius:12px;background:var(--navy-soft);color:var(--navy);font-weight:800;font-size:1.25rem;display:flex;align-items:center;justify-content:center}
.tool-row h3{margin:0 0 2px}
.tool-row h3 a{color:var(--ink)}
.tool-row h3 a:hover{color:var(--navy)}
.tool-row p{margin:0;color:var(--muted);font-size:.95rem;flex:1}
.tool-row .go{font-weight:700;white-space:nowrap;color:var(--navy)}
@media(max-width:700px){.tool-row{flex-wrap:wrap}.tool-row .go{margin-left:64px}}
.tag{display:inline-block;background:var(--navy-soft);color:var(--navy);font-size:.78rem;font-weight:700;padding:3px 10px;border-radius:999px;margin-bottom:6px}
.tag.gold{background:var(--gold-soft);color:var(--gold-dark)}
/* ---- Steps ---- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:22px 0 8px}
.step{border-top:3px solid var(--gold);padding-top:14px}
.step .n{font-size:2rem;font-weight:800;color:var(--gold);line-height:1}
.step h3{margin:.5em 0 .3em}
.step p{color:var(--muted);font-size:.95rem}
@media(max-width:700px){.steps{grid-template-columns:1fr}}
/* ---- Coming-next hubs ---- */
.hub-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:20px 0}
.hub-panel{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.hub-panel h3{margin-top:0}
.hub-panel p{color:var(--muted);font-size:.95rem}
@media(max-width:700px){.hub-grid{grid-template-columns:1fr}}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:18px;margin:26px 0}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:22px;background:#fff;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card h3{margin-top:0}
.card h3 a{color:var(--ink)}
.card h3 a:hover{color:var(--navy)}
.card p{color:var(--muted);font-size:.95rem;flex:1}
.calc{display:grid;grid-template-columns:1.05fr .95fr;background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin:22px 0;overflow:hidden;box-shadow:var(--shadow)}
.calc-inputs{padding:26px 26px 10px}
.calc-results{background:linear-gradient(160deg,#061a30,#0a2540 60%,#16365c);color:#fff;padding:26px;display:flex;flex-direction:column;justify-content:center}
.calc-results .results{background:transparent;border:0;padding:0;margin-top:0}
.calc-results .big{color:#fff}
.calc-results .big small{color:#c3d2e4;display:block;font-size:1rem;margin-top:4px}
.calc-results .resrow{border-bottom-color:rgba(255,255,255,.22);color:#fff}
.calc-results .resrow span:last-child{color:#fff}
.calc-results .legend{color:#c3d2e4}
.calc-results a{color:#f2d98c}
.calc>p{grid-column:1/-1;padding:0 26px 22px}
.calc>#yeartable{grid-column:1/-1;padding:0 26px 22px}
@media(max-width:760px){.calc{grid-template-columns:1fr}.calc-results{padding:22px}}
.calc label{display:block;font-weight:700;margin:14px 0 6px}
.calc input[type=number],.calc input[type=text],.calc select{width:100%;padding:12px;border:2px solid #dbe2ea;border-radius:10px;font-size:1.05rem;background:#fff}
.calc input[type=range]{width:100%;accent-color:var(--navy)}
.calc input:focus,.calc select:focus{outline:2px solid var(--navy);border-color:var(--navy)}
.results{background:#fff;border:2px solid var(--navy);border-radius:var(--radius);padding:22px;margin-top:20px}
.big{font-size:2.3rem;font-weight:800;color:var(--navy)}
.big small{font-size:1rem;color:var(--muted);font-weight:600}
.resrow{display:flex;justify-content:space-between;padding:9px 0;border-bottom:1px dashed var(--line)}
.resrow:last-child{border-bottom:0}
.resrow span:last-child{font-weight:700}
.bar{display:flex;height:26px;border-radius:999px;overflow:hidden;margin:14px 0 6px}
.bar div{height:100%}
.legend{font-size:.85rem;color:var(--muted);display:flex;flex-wrap:wrap;gap:14px}
.legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:5px}
table{width:100%;border-collapse:collapse;margin:14px 0;font-size:.97rem}
th,td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left}
th{background:var(--navy-soft);color:var(--navy)}
tr:hover td{background:var(--soft)}
.tldr{background:var(--gold-soft);border-left:5px solid var(--gold);border-radius:10px;padding:16px 20px;margin:20px 0}
.note{background:#eff6ff;border-left:5px solid #2563eb;border-radius:10px;padding:16px 20px;margin:20px 0}
.warn{background:#fef2f2;border-left:5px solid var(--red);border-radius:10px;padding:16px 20px;margin:20px 0}
.disclaimer{background:#f9fafb;border:1px solid var(--line);border-radius:10px;padding:16px 20px;margin:24px 0;font-size:.92rem;color:var(--muted)}
.faq h3{margin:1em 0 .2em}
.faq p{color:#374151}
.sources{font-size:.88rem;color:var(--muted);border-top:1px solid var(--line);margin-top:30px;padding-top:14px}
footer.site{background:#061a30;color:#c3d2e4;margin-top:50px;padding:36px 0 26px;font-size:.93rem}
footer.site a{color:#f2d98c}
footer.site h4{color:#fff;margin-bottom:8px}
.footgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px;max-width:1080px;margin:0 auto;padding:0 20px}
footer.site ul{list-style:none;margin:0}
footer.site li{margin:.35em 0}
.badge{display:inline-block;background:var(--navy-soft);color:var(--navy);border-radius:999px;padding:4px 12px;font-size:.82rem;font-weight:700;margin:3px 4px 3px 0}
.example-btns{display:flex;gap:8px;flex-wrap:wrap;margin:10px 0}
.example-btns button{background:#fff;border:2px solid var(--gold);color:var(--gold-dark);border-radius:999px;padding:6px 14px;font-weight:700;cursor:pointer}
.example-btns button:hover{background:var(--gold);color:#fff}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:700px){.grid2{grid-template-columns:1fr}h1{font-size:1.7rem}.tool-hero h1{font-size:1.9rem}.big{font-size:1.9rem}.nav{gap:12px}.nav a.navlink{display:none}.nav .nav-cta{margin-left:auto}}