:root{--navy:#0b1f33;--navy2:#173b57;--navy-deep:#071726;--navy-mid:#102b45;--navy-sub:#10283f;--teal:#0f766e;--teal2:#0d9488;--mint:#ccfbf1;--mint-soft:#e8f7f4;--gold:#f4b740;--bg:#f8fafc;--slate100:#f1f5f9;--line:#cbd5e1;--line-soft:#e2e8f0;--muted:#475569;--muted2:#64748b;--white:#fff;--danger:#b42318;--shadow:0 14px 40px #0b1f331a;--radius:16px;--font:Inter, ui-sans-serif, system-ui, -apple-system, "Segoe UI", sans-serif}*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-padding-top:16px}body{background:var(--bg);color:var(--navy);font-family:var(--font);margin:0;font-size:16px;line-height:1.55}a{color:inherit;text-decoration:none}p a,li a,td a,.prose a{color:var(--teal);text-underline-offset:2px;text-decoration:underline}img,svg{max-width:100%}:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:6px}.sr-only{clip:rect(0 0 0 0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}.skip{background:var(--gold);color:var(--navy);z-index:50;border-radius:10px;padding:10px 14px;font-weight:800;position:absolute;top:-60px;left:12px}.skip:focus{top:12px}.wrap{max-width:1240px;margin:0 auto;padding:0 24px}.top{background:var(--navy);color:#fff}.nav{align-items:center;gap:30px;max-width:1240px;height:72px;margin:auto;padding:0 24px;display:flex}.brand{letter-spacing:-.6px;white-space:nowrap;font-size:22px;font-weight:850}.brand i{color:var(--gold);font-style:normal}.links{color:#dbe7f0;gap:24px;font-size:14px;display:flex}.links a{padding:12px 0}.links a:hover{color:#fff}.spacer{flex:1}.chip-dark{color:#fff;white-space:nowrap;background:0 0;border:1px solid #ffffff38;border-radius:10px;align-items:center;gap:6px;min-height:44px;padding:10px 13px;font-size:14px;display:inline-flex}.country-switch{position:relative}.country-switch summary{cursor:pointer;background:var(--navy-mid);list-style:none}.country-switch summary::-webkit-details-marker{display:none}.country-menu{width:290px;color:var(--navy);border:1px solid var(--line-soft);box-shadow:var(--shadow);z-index:40;background:#fff;border-radius:14px;padding:8px;position:absolute;top:calc(100% + 8px);right:0}.country-menu>a,.country-menu>span{border-radius:10px;align-items:center;gap:10px;min-height:44px;padding:11px 12px;font-size:14px;display:flex}.country-menu>a:hover,.country-menu>a:focus-visible{background:var(--slate100)}.country-menu>span{color:var(--muted2)}.country-menu .cm-name{flex:1}.country-menu small{background:var(--slate100);color:var(--muted2);border-radius:999px;padding:3px 7px;font-size:11px;font-weight:750}.country-menu a small{background:var(--mint-soft);color:var(--teal)}.subnav{background:var(--navy-sub);border-top:1px solid #ffffff1f}.sub{color:#d8e3ec;scrollbar-width:none;align-items:center;gap:24px;max-width:1240px;min-height:48px;margin:auto;padding:0 24px;font-size:14px;display:flex;overflow-x:auto}.sub::-webkit-scrollbar{display:none}.sub b{color:#fff;white-space:nowrap}.sub a{white-space:nowrap;padding:13px 0}.sub a:hover,.sub a[aria-current=page]{color:#fff;box-shadow:inset 0 -2px 0 var(--gold)}.iconbtn{color:#fff;cursor:pointer;border:1px solid #fff3;border-radius:10px;place-items:center;width:44px;height:44px;font-size:18px;list-style:none;display:none}.iconbtn::-webkit-details-marker{display:none}.mobile-menu{position:relative}.mobile-menu-panel{width:min(86vw,320px);color:var(--navy);box-shadow:var(--shadow);z-index:40;border:1px solid var(--line-soft);background:#fff;border-radius:14px;padding:8px;position:absolute;top:calc(100% + 8px);right:0}.mobile-menu-panel a{border-radius:10px;align-items:center;min-height:44px;padding:0 12px;font-size:15px;font-weight:650;display:flex}.mobile-menu-panel a:hover{background:var(--slate100)}.mobile-menu-panel hr{border:0;border-top:1px solid var(--line-soft);margin:6px 0}.locale-row{gap:8px;padding:0 16px 12px;display:none}.locale-row>*{flex:1}.locale-row .chip-dark{border-color:#ffffff26;width:100%;padding:9px 10px;font-size:12px}.hero{grid-template-columns:1.05fr .95fr;align-items:start;gap:44px;max-width:1240px;margin:0 auto;padding:46px 24px 28px;display:grid}.hero>*{min-width:0}.eyebrow{background:var(--mint-soft);color:var(--teal);border-radius:999px;align-items:center;gap:8px;padding:7px 10px;font-size:13px;font-weight:750;display:inline-flex}.hero h1,.page-hero h1{letter-spacing:-2px;max-width:680px;margin:16px 0 14px;font-size:50px;line-height:1.03}.h1-kicker{letter-spacing:0;color:var(--teal);text-transform:none;margin-bottom:10px;font-size:15px;font-weight:800;line-height:1.4;display:block}.hero p.lead,.page-hero p.lead{color:var(--muted);max-width:630px;margin:0;font-size:18px;line-height:1.6}.quick{flex-wrap:wrap;gap:10px;margin-top:24px;display:flex}.pill{color:var(--navy2);background:#fff;border:1px solid #dbe3ea;border-radius:999px;align-items:center;min-height:40px;padding:10px 14px;font-size:13px;display:inline-flex}a.pill:hover{border-color:var(--teal);color:var(--teal)}.calc{border:1px solid var(--line-soft);box-shadow:var(--shadow);background:#fff;border-radius:22px;min-width:0;padding:24px}.calc-head{justify-content:space-between;align-items:flex-start;gap:12px;margin-bottom:6px;display:flex}.calc h2{margin:0;font-size:22px}.tag{color:var(--teal);white-space:nowrap;background:#eef7f6;border-radius:999px;padding:6px 9px;font-size:12px;font-weight:700}.row{grid-template-columns:1fr 1fr;gap:12px;display:grid}.row>*{min-width:0}.field{margin:14px 0 0}.field>label,.field>.label,fieldset.field>legend{margin-bottom:7px;padding:0;font-size:13px;font-weight:750;display:block}fieldset.field{border:0;min-width:0;padding:0}.input,.select{border:1px solid var(--line);width:100%;height:48px;color:var(--navy);background:#fff;border-radius:11px;padding:0 13px;font-family:inherit;font-size:16px}.input:focus,.select:focus{border-color:var(--teal);outline-offset:0;outline:3px solid #0d948840}.input[aria-invalid=true]{border-color:var(--danger)}.money{position:relative}.money:before{content:"£";pointer-events:none;font-weight:800;position:absolute;top:50%;left:13px;transform:translateY(-50%)}.money .input{padding-left:30px}.suffix{position:relative}.suffix .input{padding-right:40px}.suffix span{color:var(--muted2);pointer-events:none;font-weight:700;position:absolute;top:50%;right:13px;transform:translateY(-50%)}.seg{border:1px solid var(--line);border-radius:11px;grid-auto-columns:1fr;grid-auto-flow:column;display:grid;overflow:hidden}.seg button{min-height:46px;color:var(--muted);border:0;border-right:1px solid var(--line-soft);cursor:pointer;background:#fff;padding:0 8px;font-family:inherit;font-size:14px;font-weight:700}.seg button:last-child{border-right:0}.seg button[aria-pressed=true]{background:var(--navy);color:#fff}.check{cursor:pointer;align-items:center;gap:10px;min-height:44px;font-size:14px;font-weight:600;display:flex}.check input{width:20px;height:20px;accent-color:var(--teal)}.btn{background:var(--teal);color:#fff;cursor:pointer;border:0;border-radius:12px;width:100%;height:52px;margin-top:18px;font-family:inherit;font-size:16px;font-weight:800}.btn:hover{background:var(--teal2)}.hint{color:var(--muted2);margin-top:7px;font-size:12px}.err{color:var(--danger);margin-top:6px;font-size:13px;font-weight:600}.advanced{border-top:1px solid var(--line-soft);margin-top:14px;padding-top:4px}.advanced>summary{cursor:pointer;color:var(--teal);align-items:center;min-height:44px;font-size:14px;font-weight:750;list-style:none;display:flex}.advanced>summary:before{content:"+";background:var(--mint-soft);border-radius:6px;place-items:center;width:22px;height:22px;margin-right:8px;display:inline-grid}.advanced[open]>summary:before{content:"−"}.advanced>summary::-webkit-details-marker{display:none}.result{border-top:1px solid var(--line-soft);grid-template-columns:1fr 1fr;gap:16px;margin-top:18px;padding-top:18px;display:grid}.net{background:linear-gradient(135deg, var(--teal), var(--teal2));color:#fff;border-radius:16px;min-width:0;padding:18px}.net small{opacity:.88;font-size:13px}.net strong{letter-spacing:-1px;overflow-wrap:anywhere;margin-top:5px;font-size:34px;line-height:1.15;display:block}.mini{grid-template-columns:1fr 1fr;gap:8px;min-width:0;display:grid}.mini div{background:var(--bg);border:1px solid var(--line-soft);border-radius:12px;min-width:0;padding:12px}.mini small{color:var(--muted2);font-size:12px}.mini b{overflow-wrap:anywhere;margin-top:3px;display:block}.page-hero{max-width:1240px;margin:0 auto;padding:26px 24px 8px}.page-hero h1{max-width:900px;margin:14px 0 12px;font-size:46px}.crumbs{color:var(--muted2);flex-wrap:wrap;gap:6px;margin:0;padding:0;font-size:13px;list-style:none;display:flex}.crumbs li+li:before{content:"›";color:var(--line);margin-right:6px}.crumbs a:hover{color:var(--teal)}.badges{flex-wrap:wrap;gap:8px;margin-top:14px;display:flex}.badge{border:1px solid var(--line-soft);color:var(--navy2);background:#fff;border-radius:999px;align-items:center;gap:6px;padding:7px 11px;font-size:13px;font-weight:700;display:inline-flex}.badge.year{background:var(--mint-soft);color:var(--teal);border-color:#0000}.calc-grid{grid-template-columns:minmax(0,.92fr) minmax(0,1.08fr);align-items:start;gap:28px;max-width:1240px;margin:0 auto;padding:22px 24px 8px;display:grid}.calc-grid>.calc{position:sticky;top:16px}.results{gap:16px;min-width:0;display:grid}.panel{border:1px solid var(--line-soft);border-radius:var(--radius);background:#fff;min-width:0;padding:20px}.panel h2,.panel h3{letter-spacing:-.3px;margin:0 0 12px;font-size:18px}.result-hero{background:linear-gradient(135deg, var(--teal), var(--teal2));color:#fff;box-shadow:var(--shadow);border-radius:20px;padding:22px 24px}.result-hero .label{opacity:.9;font-size:14px;font-weight:650}.result-hero .value{letter-spacing:-1.5px;overflow-wrap:anywhere;margin:6px 0 2px;font-size:52px;font-weight:850;line-height:1.1;display:block}.result-hero .per{opacity:.92;font-size:15px}.result-hero .formula{opacity:.95;border-top:1px solid #ffffff40;margin:12px 0 0;padding-top:12px;font-size:14px;line-height:1.5}.result-hero .gold{color:var(--gold)}.freq{background:#ffffff24;border-radius:12px;grid-auto-flow:column;gap:4px;margin-top:14px;padding:4px;display:inline-grid}.freq button{color:#fff;cursor:pointer;background:0 0;border:0;border-radius:9px;min-height:40px;padding:0 12px;font-family:inherit;font-size:13px;font-weight:750}.freq button[aria-pressed=true]{color:var(--teal);background:#fff}.stats{grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;display:grid}.stats.three{grid-template-columns:repeat(3,minmax(0,1fr))}.stat{border:1px solid var(--line-soft);background:#fff;border-radius:14px;min-width:0;padding:13px 14px}.stat small{color:var(--muted2);font-size:12px;font-weight:600;display:block}.stat b{overflow-wrap:anywhere;margin-top:4px;font-size:18px;display:block}.table-scroll{-webkit-overflow-scrolling:touch;overflow-x:auto}.breakdown{border-collapse:collapse;width:100%;font-size:14px}.breakdown th,.breakdown td{text-align:left;vertical-align:top;border-bottom:1px solid #edf1f4;padding:11px 6px}.breakdown th{color:var(--muted2);text-transform:uppercase;letter-spacing:.3px;font-size:12px;font-weight:700}.breakdown td.num,.breakdown th.num{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}.breakdown tr.subtotal td{background:var(--bg);font-weight:750}.breakdown tr.total td{border-bottom:0;border-top:2px solid var(--navy);font-size:15px;font-weight:850}.breakdown tr.info td{color:var(--muted2);font-size:13px}.breakdown .rate{color:var(--muted2);font-size:12px;display:block}.bandbar{background:var(--slate100);border-radius:8px;height:26px;display:flex;overflow:hidden}.bandbar span{min-width:2px;height:100%;display:block}.legend{grid-template-columns:repeat(2,minmax(0,1fr));gap:8px 16px;margin:12px 0 0;padding:0;font-size:13px;list-style:none;display:grid}.legend li{align-items:center;gap:8px;min-width:0;display:flex}.legend i{border-radius:3px;flex:none;width:12px;height:12px}.legend b{font-variant-numeric:tabular-nums;margin-left:auto}.rates2{grid-template-columns:1fr 1fr;gap:10px;display:grid}.rates2 .stat b{font-size:26px}.rates2 .stat p{color:var(--muted2);margin:4px 0 0;font-size:12px;line-height:1.45}.assumptions{color:var(--muted);margin:0;padding-left:18px;font-size:14px}.assumptions li+li{margin-top:6px}.notice{color:#5b4300;background:#fff8e6;border:1px solid #f6d58a;border-radius:14px;padding:14px 16px;font-size:14px}.notice.error{color:var(--danger);background:#fef3f2;border-color:#fecdca}.secondary{background:var(--bg)}.section{max-width:1240px;margin:0 auto;padding:22px 24px 44px}.section-head{flex-wrap:wrap;justify-content:space-between;align-items:end;gap:16px;display:flex}.section h2{letter-spacing:-1px;margin:0;font-size:30px}.section-head p{color:var(--muted2);margin:4px 0 0}.section-head a{color:var(--teal);font-weight:700}.cards{grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;margin-top:18px;display:grid}.card{border:1px solid var(--line-soft);background:#fff;border-radius:16px;min-height:145px;padding:18px;transition:border-color .15s,box-shadow .15s;display:block}a.card:hover{border-color:var(--teal2);box-shadow:0 8px 24px #0b1f3314}.icon{width:38px;height:38px;color:var(--teal);background:#e7f6f4;border-radius:11px;place-items:center;font-size:14px;font-weight:900;display:grid}.card h3{margin:16px 0 6px;font-size:16px}.card p{color:var(--muted2);margin:0;font-size:13px;line-height:1.5}.card .status{background:var(--slate100);color:var(--muted2);border-radius:999px;margin-top:10px;padding:4px 8px;font-size:11px;font-weight:800;display:inline-block}.card .status.live{background:var(--mint-soft);color:var(--teal)}.trust{grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;max-width:1240px;margin:6px auto 22px;padding:0 24px;display:grid}.trust div{border:1px solid var(--line-soft);background:#fff;border-radius:14px;padding:15px}.trust b{font-size:14px}.trust span{color:var(--muted2);margin-top:4px;font-size:12px;display:block}.ad{border:1px dashed var(--line);color:#94a3b8;background:#fff;border-radius:12px;place-items:center;max-width:1192px;margin:0 auto 22px;font-size:12px;display:grid}.prose{max-width:820px}.prose h2{letter-spacing:-.6px;margin:34px 0 10px;font-size:26px}.prose h3{margin:24px 0 8px;font-size:19px}.prose p,.prose li{color:var(--muted);font-size:16.5px;line-height:1.7}.prose code,.formula-box{font-family:ui-monospace,SFMono-Regular,Consolas,monospace;font-size:14px}.formula-box{background:var(--navy);color:#e2f3f1;white-space:pre-wrap;overflow-wrap:anywhere;border-radius:12px;padding:14px 16px;line-height:1.6}.data-table{border-collapse:collapse;border:1px solid var(--line-soft);background:#fff;border-radius:12px;width:100%;font-size:15px;overflow:hidden}.data-table th,.data-table td{text-align:left;border-bottom:1px solid #edf1f4;padding:11px 14px}.data-table th{background:var(--slate100);font-size:13px}.data-table td:last-child,.data-table th:last-child{text-align:right;white-space:nowrap}.faq details{border:1px solid var(--line-soft);background:#fff;border-radius:14px;margin-top:10px}.faq summary{cursor:pointer;justify-content:space-between;gap:14px;min-height:44px;padding:16px 18px;font-weight:750;list-style:none;display:flex}.faq summary:after{content:"+";color:var(--teal);font-weight:900}.faq details[open] summary:after{content:"−"}.faq summary::-webkit-details-marker{display:none}.faq details>div{color:var(--muted);padding:0 18px 16px;line-height:1.65}.sources{grid-template-columns:1.3fr 1fr;gap:16px;display:grid}.sources ul{margin:0;padding-left:18px}.sources li{margin:6px 0;font-size:14px}.meta-list{grid-template-columns:auto 1fr;gap:8px 14px;margin:0;font-size:14px;display:grid}.meta-list dt{color:var(--muted2)}.meta-list dd{margin:0;font-weight:650}.disclaimer{color:var(--muted2);margin-top:14px;font-size:13px;line-height:1.6}.footer{background:var(--navy-deep);color:#c7d5e0;padding:38px 24px}.foot{grid-template-columns:1.4fr repeat(3,1fr);gap:30px;max-width:1240px;margin:auto;display:grid}.foot strong{color:#fff}.foot p,.foot a{color:#a9bdcc;font-size:13px;line-height:1.8;display:block}.foot a:hover{color:#fff}.foot-bottom{color:#8aa1b3;border-top:1px solid #ffffff1a;flex-wrap:wrap;justify-content:space-between;gap:12px;max-width:1240px;margin:26px auto 0;padding-top:18px;font-size:12px;display:flex}.sticky{display:none}@media (max-width:1080px){.links{display:none}.stats{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:900px){.hero,.calc-grid{grid-template-columns:1fr}.calc-grid>.calc{position:static}.cards,.trust{grid-template-columns:1fr 1fr}.sources{grid-template-columns:1fr}.foot{grid-template-columns:1fr 1fr}}@media (max-width:640px){body{font-size:15px}.nav{gap:8px;height:62px;padding:0 16px}.brand{font-size:20px}.nav .chip-dark{display:none}.iconbtn{display:grid}.locale-row{display:flex}.subnav{display:none}.wrap{padding:0 16px}.hero{gap:18px;padding:24px 16px 12px}.hero h1,.page-hero h1{letter-spacing:-1.5px;margin:12px 0 10px;font-size:36px}.hero p.lead,.page-hero p.lead{font-size:15px}.page-hero{padding:18px 16px 4px}.badges{gap:6px;margin-top:10px}.badge{padding:5px 9px;font-size:11.5px}.hide-sm,.hero .badges,.hero .quick,.hero .crumbs{display:none}.calc-grid{gap:16px;padding:14px 12px 8px}.calc{border-radius:20px;padding:17px;box-shadow:0 12px 30px #0b1f3314}.calc h2{font-size:19px}.field>label,.field>.label,fieldset.field>legend{font-size:12px;font-weight:800}.seg button{min-height:44px;padding:0 4px;font-size:12px}.btn{height:50px;font-size:15px}.row{grid-template-columns:1fr;gap:0}.result{grid-template-columns:1fr}.net strong{font-size:38px}.result-hero{border-radius:16px;padding:18px}.result-hero .value{font-size:40px}.freq{grid-template-columns:repeat(4,1fr);width:100%;display:grid}.freq button{padding:0 4px}.stats,.stats.three{grid-template-columns:1fr 1fr}.rates2 .stat b{font-size:22px}.legend{grid-template-columns:1fr}.panel{padding:16px}.section{padding:10px 16px 26px}.section h2{letter-spacing:-.7px;font-size:23px}.cards{gap:10px}.card{border-radius:14px;min-height:120px;padding:14px}.card h3{margin:11px 0 5px;font-size:14px}.card p{font-size:12px}.icon{border-radius:9px;width:32px;height:32px;font-size:11px}.trust{gap:8px;padding:0 16px}.trust div{padding:12px}.ad{margin:0 12px 20px}.prose h2{font-size:22px}.prose p,.prose li{font-size:15.5px}.data-table{font-size:14px}.data-table th,.data-table td{padding:10px}.footer{padding:25px 16px 90px}.foot{grid-template-columns:1fr;gap:18px}.sticky{-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);padding:9px 12px calc(9px + env(safe-area-inset-bottom));z-index:30;background:#fffffff5;border-top:1px solid #dbe3ea;display:block;position:fixed;bottom:0;left:0;right:0}.sticky a{background:var(--teal);color:#fff;border-radius:11px;place-items:center;height:46px;font-weight:850;display:grid}.chips{scrollbar-width:none;gap:7px;padding:4px 16px 17px;display:flex;overflow-x:auto}.chips::-webkit-scrollbar{display:none}.chips a{white-space:nowrap;background:#fff;border:1px solid #dbe3ea;border-radius:999px;padding:10px 12px;font-size:12px}}@media (min-width:641px){.chips{display:none}}@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}