/* Pension Numbers — statement-paper design system */
@font-face{font-family:"Newsreader";src:url(/fonts/newsreader-latin-500-normal.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"Newsreader";src:url(/fonts/newsreader-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Source Sans 3";src:url(/fonts/source-sans-3-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Source Sans 3";src:url(/fonts/source-sans-3-latin-400-italic.woff2) format("woff2");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"Source Sans 3";src:url(/fonts/source-sans-3-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}

:root{
  --ink:#18262E; --muted:#4D5C62; --paper:#F3F6F5; --surface:#FFFFFF;
  --ledger:#1D6A56; --ledger-deep:#134A3C; --ledger-wash:#E3EFEA;
  --marker:#F6D44C; --rule:#C8D3D1; --alert:#9E3A28; --alert-wash:#F8E9E4;
  --serif:"Newsreader",Georgia,"Times New Roman",serif;
  --sans:"Source Sans 3",Arial,sans-serif;
  --measure:40rem; --wide:68rem;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);font-size:1.25rem;line-height:1.6}
img{max-width:100%;height:auto;display:block}
a{color:var(--ledger-deep);text-decoration-thickness:1px;text-underline-offset:.18em}
a:hover{color:var(--ink);text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--marker);outline-offset:2px;border-radius:2px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:.5rem 1rem;z-index:10}
.skip:focus{left:1rem}

h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.18;color:var(--ink);letter-spacing:-.005em}
h1{font-size:clamp(2rem,1.4rem + 2.6vw,3.1rem);margin:.2em 0 .35em}
h2{font-size:clamp(1.5rem,1.25rem + 1vw,1.95rem);margin:2.2em 0 .5em}
h3{font-size:1.3rem;margin:1.8em 0 .4em}
p{margin:0 0 1.05em}
ul,ol{padding-left:1.3em;margin:0 0 1.1em}
li{margin:.3em 0}
strong{font-weight:700}

/* Header */
.masthead{background:var(--surface);border-bottom:1px solid var(--rule)}
.masthead-inner{max-width:var(--wide);margin:0 auto;padding:.85rem 1rem;display:flex;align-items:center;gap:1.5rem;flex-wrap:wrap}
.wordmark{font-family:var(--serif);font-weight:600;font-size:1.45rem;color:var(--ink);text-decoration:none;display:flex;align-items:baseline;gap:.4rem}
.wordmark .pound{display:inline-grid;place-items:center;width:1.65rem;height:1.65rem;border-radius:50%;background:var(--ledger);color:#fff;font-size:1rem;transform:translateY(-.08em)}
.nav{flex:1 1 auto;overflow-x:auto;scrollbar-width:none}
.nav::-webkit-scrollbar{display:none}
.nav ul{list-style:none;display:flex;gap:1.15rem;margin:0;padding:0;white-space:nowrap;font-size:1rem}
.nav a{text-decoration:none;color:var(--muted);padding:.35rem 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current="page"]{color:var(--ink);border-bottom-color:var(--ledger)}

/* Layout */
main{display:block}
.wrap{max-width:var(--wide);margin:0 auto;padding:0 1rem}
.reading{max-width:var(--measure)}
.crumbs{font-size:.95rem;color:var(--muted);margin:1.6rem 0 0}
.crumbs a{color:var(--muted)}
.standfirst{font-size:1.28rem;color:var(--muted);max-width:var(--measure);margin:0 0 1.2rem}
.byline{font-size:.98rem;color:var(--muted);margin:0 0 1.4rem;line-height:1.5}
.byline strong{color:var(--ink);font-weight:700}

/* Cover photo */
.cover{margin:0 0 1.8rem;max-width:var(--wide)}
.cover img{width:100%;aspect-ratio:16/9;max-height:24rem;object-fit:cover;border-radius:4px;background:#dfe6e4}
.cover figcaption{font-size:.85rem;color:var(--muted);margin-top:.45rem}

/* Article grid: text + figures column */
.article-grid{display:grid;grid-template-columns:minmax(0,var(--measure)) minmax(0,1fr);gap:3rem;align-items:start}
.aside{position:sticky;top:1.2rem}
@media (max-width:960px){.article-grid{grid-template-columns:minmax(0,1fr)}.aside{position:static}}

/* The statement: key figures as lines on a pension statement */
.statement{background:var(--surface);border:1px solid var(--rule);border-top:4px solid var(--ledger);padding:1.1rem 1.2rem 1rem;margin:0 0 1.6rem}
.statement h2,.statement .statement-title{font-family:var(--serif);font-size:1.15rem;margin:0 0 .6rem;font-weight:600}
.line{display:flex;align-items:baseline;gap:.5rem;padding:.42rem 0;border-bottom:1px dotted var(--rule);font-size:1rem}
.line:last-of-type{border-bottom:0}
.line .label{flex:1 1 auto}
.line .fig{font-weight:700;white-space:nowrap;font-variant-numeric:tabular-nums;background:linear-gradient(transparent 55%,var(--marker) 55%,var(--marker) 92%,transparent 92%);padding:0 .15em}
.statement .note{font-size:.88rem;color:var(--muted);margin:.7rem 0 0}

/* Boxes */
.quick{background:var(--ledger-wash);border-left:4px solid var(--ledger);padding:1rem 1.2rem;margin:0 0 1.6rem}
.quick p:last-child,.quick ul:last-child{margin-bottom:0}
.quick .quick-title{font-family:var(--serif);font-weight:600;font-size:1.15rem;margin:0 0 .3rem}
.alert{background:var(--alert-wash);border-left:4px solid var(--alert);padding:.85rem 1.1rem;margin:0 0 1.6rem;font-size:1rem}
.alert p:last-child{margin:0}
.toc{border-top:1px solid var(--rule);border-bottom:1px solid var(--rule);padding:.9rem 0;margin:0 0 1.8rem;font-size:1rem}
.toc ol{margin:.3rem 0 0}
.toc .toc-title{font-weight:700;margin:0}
.cta{display:flex;gap:1rem;align-items:center;justify-content:space-between;flex-wrap:wrap;background:var(--ink);color:#fff;padding:1.1rem 1.25rem;border-radius:4px;margin:2rem 0}
.cta p{margin:0;max-width:30rem}
.cta strong{font-family:var(--serif);font-size:1.2rem;font-weight:600;display:block}
.btn{display:inline-block;background:var(--marker);color:var(--ink);font-weight:700;text-decoration:none;padding:.65rem 1.1rem;border-radius:3px;border:0;font:inherit;font-weight:700;cursor:pointer}
.btn:hover{background:#ffe27a;color:var(--ink)}
.btn.secondary{background:var(--surface);border:1px solid var(--rule)}

/* Tables */
.table-wrap{overflow-x:auto;margin:0 0 1.4rem;border:1px solid var(--rule);background:var(--surface)}
table{border-collapse:collapse;width:100%;min-width:30rem;font-size:1rem;font-variant-numeric:tabular-nums}
caption{text-align:left;font-size:.9rem;color:var(--muted);padding:.6rem .8rem;caption-side:bottom}
th,td{padding:.6rem .8rem;border-bottom:1px solid var(--rule);text-align:left;vertical-align:top}
thead th{background:var(--ledger-wash);font-weight:700}
td.num,th.num{text-align:right}
tbody tr:last-child td{border-bottom:0}

/* FAQ */
.faq details{border-bottom:1px solid var(--rule);padding:.75rem 0}
.faq summary{cursor:pointer;font-weight:700;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--ledger);font-weight:700}
.faq details[open] summary::after{content:"−"}
.faq details p{margin:.6rem 0 0}

.sources{font-size:.95rem}
.sources li{margin:.25rem 0}
.disclaimer{font-size:.93rem;color:var(--muted);border-top:1px solid var(--rule);padding-top:1rem;margin-top:2rem}
.author{display:flex;gap:1rem;align-items:flex-start;background:var(--surface);border:1px solid var(--rule);padding:1rem 1.1rem;margin:2rem 0;font-size:1rem}
.author .mono{flex:0 0 3rem;height:3rem;border-radius:50%;background:var(--ledger);color:#fff;display:grid;place-items:center;font-family:var(--serif);font-size:1.3rem}
.author p{margin:.2rem 0 0}

/* Cards / lists of guides */
.guide-list{list-style:none;padding:0;margin:0;display:grid;gap:1.4rem}
.guide{display:grid;grid-template-columns:9.5rem 1fr;gap:1rem;align-items:start}
.guide img{width:100%;aspect-ratio:3/2;object-fit:cover;border-radius:3px}
.guide h3{margin:0 0 .25rem;font-size:1.2rem}
.guide h3 a{text-decoration:none;color:var(--ink)}
.guide h3 a:hover{color:var(--ledger-deep);text-decoration:underline}
.guide p{margin:0;font-size:1rem;color:var(--muted)}
@media (max-width:560px){.guide{grid-template-columns:6.5rem 1fr}.guide h3{font-size:1.08rem}}
.related{border-top:2px solid var(--ink);margin-top:2.5rem;padding-top:1rem}

/* Home */
.hero{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);gap:3rem;align-items:center;padding:2.6rem 0 2.2rem}
.hero h1{font-size:clamp(2.4rem,1.6rem + 3.4vw,4rem);margin:0 0 .35em;max-width:12ch}
.hero .standfirst{font-size:1.3rem}
@media (max-width:880px){.hero{grid-template-columns:1fr;gap:1.6rem;padding-top:1.6rem}}
.tool-card{background:var(--surface);border:1px solid var(--rule);border-top:4px solid var(--ledger);padding:1.2rem 1.3rem}
.tool-card h2{font-size:1.3rem;margin:0 0 .6rem}
.field{display:flex;flex-direction:column;gap:.3rem;margin:0 0 .9rem}
.field label{font-weight:700;font-size:1rem}
.field .hint{font-size:.9rem;color:var(--muted);margin:0}
input[type=date],input[type=number],input[type=text],input[type=email],select,textarea{font:inherit;font-size:1.05rem;padding:.55rem .65rem;border:1px solid #9AA9A8;border-radius:3px;background:#fff;color:var(--ink);width:100%;max-width:22rem}
textarea{max-width:100%;min-height:9rem}
.choice{display:flex;gap:.5rem;align-items:center;font-size:1rem;margin:.2rem 0}
.choice input{width:1.15rem;height:1.15rem;accent-color:var(--ledger)}
.result{margin-top:1rem}
.result[hidden]{display:none}
.result .big{font-family:var(--serif);font-size:1.8rem;font-weight:600;line-height:1.2;margin:.2rem 0 .5rem}
.error{color:var(--alert);font-weight:700;font-size:1rem}
.band{padding:2.4rem 0;border-top:1px solid var(--rule)}
.band h2{margin-top:0}
.two-col{display:grid;grid-template-columns:repeat(auto-fit,minmax(18rem,1fr));gap:2.5rem}
.cat-head{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;flex-wrap:wrap}
.cat-head h2{margin:0 0 1rem}
.trust{display:grid;grid-template-columns:repeat(auto-fit,minmax(15rem,1fr));gap:1.5rem;font-size:1rem}
.trust h3{margin:0 0 .3rem;font-size:1.15rem}

/* Footer */
.footer{background:var(--ink);color:#DCE5E3;margin-top:4rem;padding:2.4rem 0 2rem;font-size:.98rem}
.footer a{color:#fff}
.footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(13rem,1fr));gap:1.8rem}
.footer h2{color:#fff;font-size:1.1rem;margin:0 0 .5rem}
.footer ul{list-style:none;padding:0;margin:0}
.footer .small{margin-top:2rem;font-size:.9rem;color:#B9C6C3;max-width:48rem}

@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
@media print{.masthead,.footer,.cta,.nav{display:none}body{background:#fff}}

.cat-more{display:inline-block;margin-top:1rem;font-size:1rem}
@media (max-width:600px){table{min-width:20rem;font-size:.95rem}th,td{padding:.5rem .55rem}.table-wrap{margin-left:-.25rem;margin-right:-.25rem}}

/* Cards */
.cards{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(16.5rem,1fr));gap:1.5rem}
.cards-page{margin-top:2rem}
.card{margin:0}
.card a{display:flex;flex-direction:column;height:100%;background:var(--surface);border:1px solid var(--rule);border-radius:4px;overflow:hidden;text-decoration:none;color:var(--ink)}
.card a:hover{border-color:var(--ledger)}
.card a:hover .card-title{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:.15em}
.card img{width:100%;aspect-ratio:16/9;object-fit:cover;background:#dfe6e4}
.card-body{padding:.9rem 1rem 1.15rem;display:flex;flex-direction:column;gap:.35rem}
.card-cat{font-size:.88rem;color:var(--ledger-deep);font-weight:700}
.card-title{font-family:var(--serif);font-size:1.22rem;font-weight:600;line-height:1.25}
.card-sum{font-size:1rem;color:var(--muted);line-height:1.5}
.related .cards{margin-top:.5rem}

/* Topic index on home */
.topics{display:grid;grid-template-columns:repeat(auto-fill,minmax(15rem,1fr));gap:1.6rem 2.2rem}
.topics h3{font-size:1.2rem;margin:0 0 .5rem;padding-bottom:.4rem;border-bottom:2px solid var(--ledger)}
.topics h3 a{color:var(--ink);text-decoration:none}
.topics ul{list-style:none;padding:0;margin:0;font-size:1rem}
.topics li{margin:0;padding:.45rem 0;border-bottom:1px dotted var(--rule);line-height:1.4}

/* Timeline: vertical by default */
.timeline{list-style:none;margin:0;padding:0;position:relative}
.tl-item{position:relative;margin:0;padding:0 0 1.7rem 2.3rem;display:flex;flex-direction:column;gap:.2rem}
.tl-item::before{content:"";position:absolute;left:.55rem;top:.4rem;bottom:-.4rem;width:2px;background:var(--rule)}
.tl-item:last-child::before{display:none}
.tl-dot{position:absolute;left:.1rem;top:.3rem;width:1.1rem;height:1.1rem;border-radius:50%;background:var(--surface);border:3px solid var(--ledger);box-sizing:border-box;z-index:1}
.tl-date{font-family:var(--serif);font-weight:600;font-size:1.25rem;line-height:1.2}
.tl-rel{align-self:flex-start;font-size:.85rem;font-weight:700;color:var(--ledger-deep);background:var(--ledger-wash);padding:.05rem .5rem;border-radius:2rem}
.tl-title{font-weight:700;font-size:1.05rem;line-height:1.35;margin-top:.15rem}
.tl-title a{color:var(--ink)}
.tl-desc{font-size:1rem;color:var(--muted);line-height:1.5}
.tl-next .tl-dot{background:var(--marker);border-color:var(--ink);width:1.3rem;height:1.3rem;left:0;top:.2rem}
.tl-next .tl-rel{background:var(--marker);color:var(--ink)}
.tl-past .tl-dot{border-color:var(--rule)}
.tl-past .tl-date,.tl-past .tl-title,.tl-past .tl-title a{color:var(--muted)}
.tl-past .tl-rel{background:#e7ecea;color:var(--muted)}

/* Compact timeline goes horizontal on wide screens */
@media (min-width:860px){
  .timeline-compact{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(0,1fr);gap:0}
  .timeline-compact .tl-item{padding:2.3rem 1.4rem 0 0}
  .timeline-compact .tl-item::before{left:0;right:0;top:.55rem;bottom:auto;width:auto;height:2px}
  .timeline-compact .tl-item:last-child::before{display:block;right:50%}
  .timeline-compact .tl-dot{left:0;top:0}
  .timeline-compact .tl-next .tl-dot{top:-.1rem}
}
.timeline-band{background:var(--surface);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.band-head{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;flex-wrap:wrap;margin-bottom:1.6rem}
.band-head h2{margin:0}
.band-head p{margin:0;color:var(--muted);font-size:1rem}

/* Article: figures and contents in the side column on desktop, inline on mobile */
.aside .toc{border-bottom:0;font-size:.98rem;padding-top:.6rem}
.aside .toc ol{padding-left:1.2rem}
.aside .toc li{margin:.35rem 0;line-height:1.35}
@media (min-width:961px){.only-mobile{display:none}}
@media (max-width:960px){.only-desktop{display:none}}
.aside{max-height:calc(100vh - 2.4rem);overflow-y:auto}

/* Analytics consent banner */
#pn-consent{position:fixed;left:0;right:0;bottom:0;z-index:50;background:var(--surface);border-top:3px solid var(--ledger);box-shadow:0 -6px 18px rgba(24,38,46,.12)}
#pn-consent .consent-inner{max-width:var(--wide);margin:0 auto;padding:1rem;display:flex;gap:1rem 2rem;align-items:center;justify-content:space-between;flex-wrap:wrap;font-size:1rem}
#pn-consent p{margin:0;max-width:44rem}
#pn-consent .consent-btns{display:flex;gap:.6rem;flex-wrap:wrap}