/* Final Settlement — stylesheet.
   Serif headings, a deep slate and teal palette, a single measured column. */

:root {
  --bg: #f3f1ea;        /* warm paper the document sits on */
  --paper: #ffffff;     /* the document itself */
  --band: #0c3b34;      /* masthead and statement header */
  --gold-lt: #e0bb63;
  --surface: #faf9f5;
  --surface-2: #e7e9e6;
  --line: #dcded9;
  --line-strong: #c2c6be;
  --ink: #171a19;
  --ink-soft: #55605b;
  --accent: #0f6156;
  --accent-deep: #0a453d;
  --accent-wash: #e6f0ee;
  --gold: #8a6d1f;
  --gold-wash: #f7f1de;
  --flag: #9a2b20;
  --flag-wash: #fbeceb;
  --r: 4px;
  --maxw: 880px;
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --mono: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #101413;
    --paper: #171b1a;
    --band: #0a2925;
    --gold-lt: #d6b25f;
    --surface: #1a1e1d;
    --surface-2: #232827;
    --line: #2d3331;
    --line-strong: #414845;
    --ink: #e8eae8;
    --ink-soft: #9ba5a1;
    --accent: #4fbfae;
    --accent-deep: #7fd4c6;
    --accent-wash: #142a27;
    --gold: #d6b25f;
    --gold-wash: #2a2312;
    --flag: #e08074;
    --flag-wash: #2c1614;
  }
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }

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

body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }

a { color: var(--accent); text-underline-offset: 2px; }
a:hover { color: var(--accent-deep); }

h1, h2, h3 {
  font-family: var(--serif);
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -.005em;
  margin: 0 0 .45em;
}
h1 { font-size: clamp(1.9rem, 1.4rem + 2.2vw, 2.7rem); }
h2 { font-size: clamp(1.35rem, 1.15rem + .9vw, 1.7rem); margin-top: 2.2em; }
h3 { font-size: 1.15rem; margin-top: 1.9em; font-family: var(--sans); font-weight: 650; }
p { margin: 0 0 1.1em; }
ul, ol { margin: 0 0 1.1em; padding-left: 1.35em; }
li { margin-bottom: .45em; }
code { font-family: var(--mono); font-size: .88em; background: var(--surface-2); padding: .12em .35em; border-radius: 3px; }

/* ---------- masthead ---------- */

.masthead { background: var(--band); border-bottom: 3px solid var(--gold-lt); }
.masthead__inner { display: flex; align-items: baseline; gap: 20px; min-height: 66px; flex-wrap: wrap; padding: 10px 0; }

.wordmark {
  font-family: var(--serif);
  font-size: 1.3rem;
  font-weight: 600;
  letter-spacing: -.01em;
  color: #fff;
  text-decoration: none;
  flex: none;
}
.wordmark em { font-style: normal; color: var(--gold-lt); }
.wordmark small {
  display: block;
  font-family: var(--sans);
  font-size: .64rem;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: rgba(255,255,255,.58);
  font-weight: 600;
  margin-top: 1px;
}

.masthead nav { margin-left: auto; display: flex; gap: 22px; flex-wrap: wrap; }
.masthead nav a {
  font-size: .93rem;
  color: rgba(255,255,255,.76);
  text-decoration: none;
  padding-bottom: 2px;
  border-bottom: 2px solid transparent;
}
.masthead nav a:hover { color: #fff; }
.masthead nav a[aria-current="page"] { color: #fff; border-bottom-color: var(--gold-lt); }

@media (max-width: 640px) {
  .masthead__inner { min-height: 0; }
  .masthead nav { margin-left: 0; width: 100%; gap: 16px; }
  .masthead nav a { font-size: .88rem; }
}

main { padding: 32px 0 60px; }

.crumb { font-size: .84rem; color: var(--ink-soft); margin-bottom: 18px; }
.crumb a { color: var(--ink-soft); }

.standfirst { font-size: 1.12rem; color: var(--ink-soft); max-width: 62ch; }

/* ---------- the answer card ---------- */

/* Laid out as a statement of account rather than a calculator read-out:
   a ruled header strip, figures aligned right where money belongs, dotted
   leaders across each line, and a double rule above the total. */
.answer {
  border: 1px solid var(--line-strong);
  background: var(--paper);
  border-radius: 0;
  padding: 0;
  margin: 28px 0 32px;
  box-shadow: 0 1px 0 rgba(0,0,0,.04);
}
.answer__label {
  background: var(--band);
  color: rgba(255,255,255,.82);
  font-size: .66rem;
  letter-spacing: .2em;
  text-transform: uppercase;
  font-weight: 700;
  padding: 9px 20px;
}
.answer__figure {
  font-family: var(--serif);
  font-size: clamp(2.1rem, 1.5rem + 2.6vw, 3rem);
  line-height: 1.05;
  margin: 0;
  padding: 20px 20px 2px;
  text-align: right;
  font-variant-numeric: tabular-nums;
}
.answer__figure span { font-size: .34em; color: var(--ink-soft); font-family: var(--sans); font-weight: 600; letter-spacing: .04em; }
.answer__note {
  font-size: .86rem; color: var(--ink-soft); margin: 0;
  padding: 0 20px 16px; text-align: right; font-style: italic;
}

.breakdown { list-style: none; margin: 0; padding: 12px 20px 18px; border-top: 1px solid var(--line); }
.breakdown li {
  display: flex; align-items: baseline;
  padding: 5px 0; font-size: .91rem; margin: 0;
}
.breakdown .lbl { color: var(--ink-soft); display: flex; align-items: baseline; flex: 1; }
.breakdown .lbl::after {
  content: ""; flex: 1; min-width: 18px;
  border-bottom: 1px dotted var(--line-strong);
  margin: 0 9px 5px;
}
.breakdown .val { font-variant-numeric: tabular-nums; font-weight: 600; text-align: right; flex: none; }
.breakdown li.sum {
  border-top: 3px double var(--ink);
  margin-top: 11px; padding-top: 12px; font-size: 1.02rem;
}
.breakdown li.sum .lbl { color: var(--ink); font-weight: 650; }
.breakdown li.sum .lbl::after { border-bottom-style: none; }

/* ---------- form ---------- */

fieldset { border: 0; padding: 0; margin: 0 0 26px; }
legend {
  font-size: .72rem; letter-spacing: .14em; text-transform: uppercase;
  color: var(--ink-soft); font-weight: 700; padding: 0; margin-bottom: 14px;
  width: 100%; border-bottom: 1px solid var(--line); padding-bottom: 8px;
}

.q { margin-bottom: 18px; }
.q > label, .q__label { display: block; font-size: .95rem; font-weight: 600; margin-bottom: 5px; }
.q__help { display: block; font-size: .85rem; color: var(--ink-soft); font-weight: 400; margin-top: 3px; }

input[type=number], input[type=text], input[type=email], input[type=date], select, textarea {
  width: 100%; padding: 10px 12px;
  font: inherit; font-size: .97rem;
  color: var(--ink); background: var(--paper);
  border: 1px solid var(--line-strong); border-radius: var(--r);
  appearance: none;
}
select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='11' height='7' viewBox='0 0 11 7'%3E%3Cpath d='M1 1l4.5 4.5L10 1' stroke='%2355605b' stroke-width='1.6' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center; padding-right: 34px;
}
input:focus, select:focus, textarea:focus, button:focus-visible {
  outline: 2px solid var(--accent); outline-offset: 1px; border-color: var(--accent);
}

.pair { display: grid; gap: 14px; grid-template-columns: 1fr 1fr; }
@media (max-width: 560px) { .pair { grid-template-columns: 1fr; } }

.suffixed { position: relative; }
.suffixed input { padding-right: 58px; }
.suffixed span {
  position: absolute; right: 12px; top: 50%; transform: translateY(-50%);
  font-size: .82rem; color: var(--ink-soft); pointer-events: none;
}

.choice { display: flex; align-items: flex-start; gap: 10px; font-size: .95rem; margin-bottom: 10px; cursor: pointer; }
.choice input { width: 16px; height: 16px; margin: 4px 0 0; flex: none; accent-color: var(--accent); }

.radios { display: grid; gap: 8px; }
.radios label {
  display: flex; gap: 10px; align-items: flex-start;
  border: 1px solid var(--line-strong); border-radius: var(--r);
  padding: 11px 13px; cursor: pointer; font-size: .95rem;
  background: var(--paper);
}
.radios label:hover { border-color: var(--accent); }
.radios input { margin: 3px 0 0; accent-color: var(--accent); flex: none; }
.radios strong { display: block; font-weight: 620; }
.radios em { font-style: normal; display: block; font-size: .85rem; color: var(--ink-soft); margin-top: 2px; }

.btn {
  font: inherit; font-size: .93rem; font-weight: 600;
  padding: 10px 18px; border-radius: var(--r);
  border: 1px solid var(--line-strong); background: var(--bg); color: var(--ink);
  cursor: pointer; text-decoration: none; display: inline-block;
}
.btn:hover { background: var(--surface-2); }
.btn--go { background: var(--accent); border-color: var(--accent); color: #fff; }
.btn--go:hover { background: var(--accent-deep); border-color: var(--accent-deep); color: #fff; }
.btn--sm { padding: 6px 12px; font-size: .86rem; }
.btns { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 20px; }

/* ---------- callouts ---------- */

/* The tag sits astride the top rule like a legend on a fieldset — a
   different silhouette from a tinted panel with a coloured left edge. */
.box {
  position: relative;
  border: 1px solid var(--accent);
  background: var(--paper);
  padding: 20px 18px 14px;
  border-radius: 0;
  font-size: .95rem;
  margin: 28px 0;
}
.box--law { border-color: var(--gold); }
.box--warn { border-color: var(--flag); }
.box p:last-child { margin-bottom: 0; }
/* Straddles the top rule, so the callout reads as a labelled clause in a
   document rather than a tinted aside. */
.box__tag {
  position: absolute; top: -.62em; left: 15px;
  background: var(--bg); padding: 0 9px;
  font-size: .68rem; letter-spacing: .15em; text-transform: uppercase;
  font-weight: 700; color: var(--accent);
}
.box--law .box__tag { color: var(--gold); }
.box--warn .box__tag { color: var(--flag); }

/* ---------- tables ---------- */

.scroll { overflow-x: auto; margin: 22px 0; }
table {
  width: 100%; border-collapse: collapse; font-size: .93rem; min-width: 440px;
  border-top: 2px solid var(--ink); border-bottom: 2px solid var(--ink);
  background: var(--paper);
}
caption { text-align: left; font-size: .86rem; color: var(--ink-soft); padding-bottom: 9px; }
th, td { text-align: left; padding: 10px 13px; border-bottom: 1px solid var(--line); vertical-align: top; }
th {
  font-size: .74rem; letter-spacing: .08em; text-transform: uppercase;
  color: var(--ink-soft); font-weight: 700; border-bottom: 1px solid var(--line-strong); white-space: nowrap;
}
tbody tr:nth-child(even) { background: var(--surface); }
td.n, th.n { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }

/* ---------- index list ---------- */

.stack { list-style: none; padding: 0; margin: 24px 0; }
.stack li { margin: 0; border-bottom: 1px solid var(--line); }
.stack a { display: block; padding: 16px 0; text-decoration: none; color: var(--ink); }
.stack a:hover { color: var(--accent); }
.stack strong { display: block; font-family: var(--serif); font-size: 1.12rem; font-weight: 600; margin-bottom: 3px; }
.stack span { font-size: .92rem; color: var(--ink-soft); }

/* ---------- faq ---------- */

.qa details { border-bottom: 1px solid var(--line); }
.qa summary {
  cursor: pointer; font-weight: 620; padding: 14px 0; list-style: none;
  display: flex; justify-content: space-between; gap: 14px; align-items: baseline;
}
.qa summary::-webkit-details-marker { display: none; }
.qa summary::after { content: "+"; color: var(--accent); font-size: 1.25rem; font-weight: 400; flex: none; }
.qa details[open] summary::after { content: "\2212"; }
.qa details > *:not(summary) { color: var(--ink-soft); font-size: .96rem; padding-bottom: 6px; }

/* ---------- footer ---------- */

.foot {
  border-top: 1px solid var(--line);
  background: var(--surface);
  padding: 34px 0 40px;
  font-size: .9rem;
  color: var(--ink-soft);
  margin-top: 48px;
}
.foot__cols { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 26px; }
.foot h4 { font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; color: var(--ink); margin: 0 0 10px; font-family: var(--sans); font-weight: 700; }
.foot ul { list-style: none; padding: 0; margin: 0; }
.foot li { margin-bottom: 7px; }
.foot a { color: var(--ink-soft); text-decoration: none; }
.foot a:hover { color: var(--accent); text-decoration: underline; }
.foot__base { border-top: 1px solid var(--line); margin-top: 28px; padding-top: 18px; font-size: .85rem; }

.revised { font-size: .84rem; color: var(--ink-soft); margin-top: 36px; padding-top: 15px; border-top: 1px solid var(--line); }

/* An aside about the paragraph above it — set quieter and indented so it
   reads as a footnote rather than as part of the policy itself. */
p.note { font-size: .86rem; color: var(--ink-soft); border-left: 2px solid var(--line-strong);
         padding-left: 14px; margin-top: -6px; }

.skip { position: absolute; left: -9999px; background: var(--accent); color: #fff; padding: 10px 16px; }
.skip:focus { left: 0; top: 0; }

@media print {
  .masthead, .foot, .btns, .consent { display: none !important; }
  body { font-size: 11pt; }
}

/* ---------- consent ---------- */

.consent {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  max-width: none; margin: 0;
  background: var(--band); color: rgba(255,255,255,.88);
  border: 0; border-top: 3px solid var(--gold-lt); border-radius: 0;
  box-shadow: 0 -4px 22px rgba(0,0,0,.2);
  padding: 13px 20px; font-size: .85rem;
  display: flex; align-items: center; justify-content: center;
  gap: 22px; flex-wrap: wrap;
}
.consent p { margin: 0; max-width: 68ch; }
.consent a { color: var(--gold-lt); }
.consent .btns { margin: 0; flex: none; }
.consent .btn { background: transparent; color: #fff; border-color: rgba(255,255,255,.4); }
.consent .btn:hover { background: rgba(255,255,255,.13); }
.consent .btn--go { background: var(--gold-lt); color: #171204; border-color: var(--gold-lt); }
.consent .btn--go:hover { background: #ecca7c; }