/* ============================================================================
   WiseReturn — styles.css
   Brand: navy #0f1e3d / gold #D4AF37 / white / light-navy #E8EDF5
   Headings: Georgia (serif).  Body: system sans-serif.
   Design intent: calm, legitimate, trust-first. Quiet confidence — generous
   space, soft layered depth, one bold device (the fee-contrast). No new palette.
   ========================================================================== */

:root {
  --navy:        #0f1e3d;
  --navy-soft:   #1b2f53;
  --navy-deep:   #0a1429;
  --gold:        #d4af37;
  --gold-deep:   #b8932b;
  --gold-soft:   #e6c761;
  --ink:         #18222e;
  --paper:       #ffffff;
  --mist:        #e8edf5;
  --mist-soft:   #f5f8fc;
  --line:        #dce4f0;
  --line-soft:   #e8eef7;
  --muted:       #5a6b80;
  --ok:          #1f7a4d;

  --serif: Georgia, "Times New Roman", serif;
  --sans:  -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica,
           Arial, sans-serif;

  --wrap: 1140px;
  --gap:  clamp(1.1rem, 3vw, 2rem);
  --radius:    14px;
  --radius-sm: 10px;
  --radius-lg: 22px;

  /* Layered, low-contrast shadows — depth without heaviness */
  --shadow-sm: 0 1px 2px rgba(15,30,61,.06);
  --shadow:    0 1px 2px rgba(15,30,61,.05), 0 10px 28px rgba(15,30,61,.07);
  --shadow-lg: 0 6px 18px rgba(15,30,61,.09), 0 28px 64px rgba(15,30,61,.13);
  --ring:      0 0 0 3px rgba(212,175,55,.38);
}

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

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation: none !important; transition: none !important; }
}

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

h1, h2, h3, h4 { font-family: var(--serif); color: var(--navy); line-height: 1.15;
  font-weight: 700; margin: 0 0 .5em; text-wrap: balance; }
h1 { font-size: clamp(2.15rem, 5.2vw, 3.4rem); letter-spacing: -.015em; }
h2 { font-size: clamp(1.6rem, 3.6vw, 2.4rem); letter-spacing: -.01em; }
h3 { font-size: 1.3rem; letter-spacing: -.005em; }
p  { margin: 0 0 1rem; }
a  { color: var(--navy); text-underline-offset: 2px; }
a:hover { color: var(--gold-deep); }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gap); }
.section { padding: clamp(3rem, 7.5vw, 6rem) 0; }
.section--mist { background: var(--mist-soft); border-top: 1px solid var(--line-soft);
  border-bottom: 1px solid var(--line-soft); }
.section--navy { background:
    radial-gradient(60% 120% at 85% -10%, rgba(212,175,55,.14), transparent 60%),
    linear-gradient(180deg, var(--navy), var(--navy-deep)); color: #d8e1f0; }
.section--navy h2, .section--navy h3 { color: #fff; }
.center { text-align: center; }
.lede { font-size: clamp(1.12rem, 1.6vw, 1.25rem); color: var(--muted); max-width: 62ch;
  line-height: 1.6; }
.center .lede { margin-left: auto; margin-right: auto; }
.eyebrow { font-family: var(--sans); font-size: .76rem; font-weight: 700;
  letter-spacing: .16em; text-transform: uppercase; color: var(--gold-deep);
  margin: 0 0 .9rem; display: inline-flex; align-items: center; gap: .5rem; }
.eyebrow::before { content: ""; width: 1.6rem; height: 2px; background: var(--gold);
  border-radius: 2px; opacity: .8; }
.center .eyebrow { justify-content: center; }

/* focus visibility (quality floor) */
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }

/* ---- Skip link ---- */
.skip { position: absolute; left: -999px; top: 0; background: var(--gold);
  color: var(--navy); padding: .6rem 1rem; z-index: 200; font-weight: 700;
  border-radius: 0 0 var(--radius-sm) 0; }
.skip:focus { left: 0; }

/* ---------------------------------------------------------------- Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .4rem;
  font-family: var(--sans); font-weight: 700; font-size: 1rem; line-height: 1;
  padding: .9rem 1.7rem; border-radius: 999px; border: 2px solid transparent;
  cursor: pointer; text-decoration: none; white-space: nowrap;
  transition: transform .14s ease, background .18s ease, box-shadow .18s ease,
              color .18s ease, border-color .18s ease; }
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn--gold { background: linear-gradient(180deg, var(--gold-soft), var(--gold));
  color: var(--navy); box-shadow: inset 0 1px 0 rgba(255,255,255,.45), var(--shadow-sm); }
.btn--gold:hover { background: linear-gradient(180deg, var(--gold), var(--gold-deep));
  color: var(--navy); box-shadow: var(--shadow); }
.btn--navy { background: var(--navy); color: #fff; box-shadow: var(--shadow-sm); }
.btn--navy:hover { background: var(--navy-soft); color: #fff; box-shadow: var(--shadow); }
.btn--ghost { background: transparent; border-color: var(--navy); color: var(--navy); }
.btn--ghost:hover { background: var(--navy); color: #fff; }
.btn--lg { padding: 1.05rem 2.1rem; font-size: 1.08rem; }
.btn--block { display: flex; width: 100%; text-align: center; }

/* ---------------------------------------------------------------- Header */
.site-header { position: sticky; top: 0; z-index: 100; background: rgba(15,30,61,.92);
  backdrop-filter: saturate(140%) blur(8px); border-bottom: 1px solid rgba(212,175,55,.55);
  box-shadow: 0 1px 0 rgba(212,175,55,.25), 0 6px 24px rgba(10,20,41,.18); }
.nav { display: flex; align-items: center; justify-content: space-between;
  gap: 1rem; padding: .65rem var(--gap); max-width: var(--wrap); margin: 0 auto; }
.brand { display: flex; align-items: center; gap: .65rem; text-decoration: none; }
.brand__mark { width: 40px; height: 40px; flex: 0 0 40px;
  filter: drop-shadow(0 2px 6px rgba(0,0,0,.35)); }
.brand__name { font-family: var(--serif); font-weight: 700; font-size: 1.35rem;
  color: #fff; line-height: 1; letter-spacing: .01em; }
.brand__name b { color: var(--gold); font-weight: 700; }
.brand__tag { display: block; font-family: var(--sans); font-size: .6rem;
  letter-spacing: .18em; text-transform: uppercase; color: #9fb0c9;
  margin-top: 4px; font-weight: 600; }

.nav__toggle { display: none; background: none; border: 0; cursor: pointer;
  padding: .4rem; }
.nav__toggle span, .nav__toggle span::before, .nav__toggle span::after {
  content: ""; display: block; width: 24px; height: 2px; background: #fff;
  border-radius: 2px; position: relative; transition: .2s; }
.nav__toggle span::before { position: absolute; top: -7px; }
.nav__toggle span::after  { position: absolute; top: 7px; }

.nav__links { display: flex; align-items: center; gap: 1.4rem; list-style: none;
  margin: 0; padding: 0; }
.nav__links a { color: #cdd8ea; text-decoration: none; font-size: .95rem;
  font-weight: 600; padding: .3rem 0; position: relative; }
.nav__links a:not(.btn)::after { content: ""; position: absolute; left: 0; right: 0;
  bottom: -2px; height: 2px; background: var(--gold); border-radius: 2px;
  transform: scaleX(0); transform-origin: left; transition: transform .2s ease; }
.nav__links a:not(.btn):hover, .nav__links a[aria-current="page"]:not(.btn) { color: var(--gold); }
.nav__links a:not(.btn):hover::after,
.nav__links a[aria-current="page"]:not(.btn)::after { transform: scaleX(1); }
.nav__links .btn { color: var(--navy); padding: .55rem 1.2rem; }
.nav__links .btn:hover { color: var(--navy); }

@media (max-width: 860px) {
  .nav__toggle { display: block; }
  .nav__links { position: absolute; top: 100%; left: 0; right: 0; flex-direction: column;
    align-items: stretch; background: var(--navy); padding: 1rem var(--gap) 1.5rem;
    gap: .2rem; border-bottom: 2px solid var(--gold); display: none;
    box-shadow: var(--shadow-lg); }
  .nav__links.is-open { display: flex; }
  .nav__links a { padding: .8rem .2rem; border-bottom: 1px solid rgba(255,255,255,.08); }
  .nav__links a:not(.btn)::after { display: none; }
  .nav__links .btn { margin-top: .7rem; text-align: center; }
}

/* ---------------------------------------------------------------- Hero */
.hero { position: relative; isolation: isolate; color: #e7edf6;
  padding: clamp(3.5rem, 9vw, 6.5rem) 0; overflow: hidden;
  background:
    radial-gradient(42% 60% at 86% 6%, rgba(212,175,55,.20), transparent 62%),
    radial-gradient(40% 55% at 8% 104%, rgba(212,175,55,.10), transparent 60%),
    linear-gradient(180deg, var(--navy), var(--navy-deep)); }
.hero::after { content: ""; position: absolute; inset: auto 0 0 0; height: 1px;
  background: linear-gradient(90deg, transparent, rgba(212,175,55,.5), transparent); }
.hero h1 { color: #fff; max-width: 17ch; }
.hero .lede { color: #c6d2e6; max-width: 54ch; }
.hero__cta { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 1.8rem; }
.hero__trust { margin-top: 2rem; display: flex; flex-wrap: wrap; gap: .7rem;
  font-size: .9rem; color: #cdd8ea; }
.hero__trust span { display: inline-flex; align-items: center; gap: .45rem;
  background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.14);
  padding: .42rem .85rem; border-radius: 999px; }
.hero__trust b { color: var(--gold); font-size: 1rem; line-height: 1; }

/* ---------------------------------------------------------------- Fee contrast (signature) */
.feecontrast { display: grid; grid-template-columns: 1fr 1fr; gap: 1px;
  background: var(--line); border: 1px solid var(--line); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow-lg); max-width: 640px; width: 100%; }
.feecontrast__cell { background: #fff; padding: 1.9rem 1.5rem; text-align: center; }
.feecontrast__cell--win { background:
    radial-gradient(80% 120% at 50% -20%, rgba(212,175,55,.16), transparent 60%),
    var(--navy); color: #fff; position: relative; }
.feecontrast__cell--win::after { content: "You keep more"; position: absolute;
  top: 12px; right: 12px; background: linear-gradient(180deg, var(--gold-soft), var(--gold));
  color: var(--navy); font-size: .6rem; font-weight: 800; letter-spacing: .08em;
  text-transform: uppercase; padding: .26rem .6rem; border-radius: 999px;
  box-shadow: var(--shadow-sm); }
.feecontrast__name { font-family: var(--sans); font-weight: 700; font-size: .82rem;
  letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin: 0 0 .5rem; }
.feecontrast__cell--win .feecontrast__name { color: var(--gold); }
.feecontrast__big { font-family: var(--serif); font-size: clamp(2.6rem, 7vw, 3.6rem);
  font-weight: 700; line-height: 1; color: var(--navy); letter-spacing: -.02em; }
.feecontrast__cell--win .feecontrast__big { color: #fff; }
.feecontrast__sub { font-size: .85rem; color: var(--muted); margin: .6rem 0 0; }
.feecontrast__cell--win .feecontrast__sub { color: #b6c4dc; }

/* ---------------------------------------------------------------- Cards / steps */
.grid { display: grid; gap: 1.3rem; }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 760px) { .grid--3, .grid--2 { grid-template-columns: 1fr; } }

.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.6rem; box-shadow: var(--shadow);
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease; }
.card h3 { margin-top: 0; }
a.card { display: block; color: inherit; }
a.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg);
  border-color: #c9d4e6; }

.step { background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.7rem 1.6rem 1.5rem; position: relative; box-shadow: var(--shadow);
  overflow: hidden; }
.step::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-soft)); }
.step__num { display: inline-grid; place-items: center; width: 2.7rem; height: 2.7rem;
  border-radius: 50%; background: var(--mist-soft); border: 1px solid var(--line);
  font-family: var(--serif); font-size: 1.5rem; color: var(--gold-deep); font-weight: 700;
  line-height: 1; }
.step h3 { margin: .9rem 0 .3rem; }

/* ---------------------------------------------------------------- Tables */
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--line);
  box-shadow: var(--shadow); }
table.data { width: 100%; border-collapse: collapse; background: #fff; min-width: 460px; }
.data th, .data td { padding: .95rem 1.1rem; text-align: left; border-bottom: 1px solid var(--line); }
.data thead th { background: var(--navy); color: #fff; font-family: var(--sans);
  font-size: .82rem; letter-spacing: .05em; text-transform: uppercase; }
.data tbody tr:nth-child(even) td { background: var(--mist-soft); }
.data tbody tr:last-child td { border-bottom: 0; }
.data td:first-child { font-weight: 600; color: var(--navy); }
.data .win { color: var(--ok); font-weight: 700; }

/* ---------------------------------------------------------------- Callout / notes */
.callout { border-left: 4px solid var(--gold); background: #fff;
  padding: 1.3rem 1.5rem; border-radius: 0 var(--radius) var(--radius) 0; margin: 1.5rem 0;
  box-shadow: var(--shadow); border-top: 1px solid var(--line-soft);
  border-right: 1px solid var(--line-soft); border-bottom: 1px solid var(--line-soft); }
.callout--navy { background:
    radial-gradient(70% 140% at 0% 0%, rgba(212,175,55,.12), transparent 55%), var(--navy);
  color: #d8e1f0; border-left-color: var(--gold); border-top-color: transparent;
  border-right-color: transparent; border-bottom-color: transparent; }
.callout--navy strong { color: #fff; }
.note { font-size: .85rem; color: var(--muted); }
.disclaimer { font-size: .78rem; color: var(--muted); font-style: italic;
  border-top: 1px solid var(--line); padding-top: 1rem; margin-top: 1.5rem; }

/* preauth banner (pre-HMRC-codes honesty) — kept prominent on purpose */
.preauth { background: #fff7e0; border: 1px solid #e8d48a; color: #6b5410;
  padding: .8rem 1.1rem; border-radius: var(--radius-sm); font-size: .88rem; margin: 1rem 0;
  display: flex; gap: .6rem; align-items: flex-start; }
.preauth::before { content: "ⓘ"; font-weight: 700; color: var(--gold-deep); flex: 0 0 auto; }
.preauth.center { display: block; }
.preauth.center::before { content: none; }

/* ---------------------------------------------------------------- Calculator */
.calc { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: clamp(1.4rem, 4vw, 2.2rem); }
.calc__grid { display: grid; gap: 1.15rem; grid-template-columns: 1fr 1fr; }
@media (max-width: 620px) { .calc__grid { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; gap: .4rem; }
.field label { font-weight: 600; font-size: .92rem; color: var(--navy); }
.field input, .field select, .field textarea { font: inherit; padding: .75rem .85rem;
  border: 1px solid var(--line); border-radius: var(--radius-sm); background: #fff;
  color: var(--ink); transition: border-color .15s ease, box-shadow .15s ease; }
.field textarea { resize: vertical; min-height: 4.5rem; }
.field input::placeholder, .field textarea::placeholder { color: #9aa7b8; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--gold);
  outline: none; box-shadow: var(--ring); }
.field .hint { font-size: .79rem; color: var(--muted); }
.calc__result { margin-top: 1.5rem; background:
    radial-gradient(80% 130% at 100% 0%, rgba(212,175,55,.14), transparent 60%), var(--navy);
  color: #fff; border-radius: var(--radius); padding: 1.5rem 1.7rem; box-shadow: var(--shadow); }
.calc__result .row { display: flex; justify-content: space-between; align-items: baseline;
  padding: .5rem 0; border-bottom: 1px solid rgba(255,255,255,.12); gap: 1rem; }
.calc__result .row span { color: #c6d2e6; }
.calc__result .row:last-of-type { border-bottom: 0; padding-bottom: 0; }
.calc__result .row strong { font-size: 1.05rem; }
.calc__result .payout { font-family: var(--serif); font-size: 2.1rem; color: var(--gold);
  line-height: 1.1; }
.calc__checks { display: flex; flex-wrap: wrap; gap: .55rem .9rem; margin: .3rem 0 0; }
.calc__checks label { font-weight: 500; font-size: .92rem; display: inline-flex; gap: .5rem;
  align-items: center; background: var(--mist-soft); border: 1px solid var(--line);
  padding: .45rem .8rem; border-radius: 999px; cursor: pointer; transition: border-color .15s ease; }
.calc__checks label:hover { border-color: var(--gold); }

/* ---------------------------------------------------------------- Claim form */
.cform { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: clamp(1.4rem, 4vw, 2.4rem); }

/* Progress bar → numbered stepper (decorative; aria-hidden in markup) */
.cform__bar { display: flex; align-items: center; gap: 0; margin-bottom: 2rem;
  counter-reset: step; }
.cform__bar span { flex: 1; display: flex; align-items: center; }
.cform__bar span::before { counter-increment: step; content: counter(step);
  flex: 0 0 auto; width: 2.1rem; height: 2.1rem; display: grid; place-items: center;
  border-radius: 50%; background: #fff; color: var(--muted);
  border: 2px solid var(--line); font: 700 .85rem/1 var(--sans); z-index: 1;
  transition: background .2s ease, border-color .2s ease, color .2s ease; }
.cform__bar span::after { content: ""; flex: 1; height: 2px; background: var(--line);
  transition: background .2s ease; }
.cform__bar span:last-child::after { display: none; }
.cform__bar span.done::before { background: linear-gradient(180deg, var(--gold-soft), var(--gold));
  border-color: var(--gold); color: var(--navy); }
.cform__bar span.done::after { background: var(--gold); }

.cform__step { display: none; }
.cform__step.active { display: block; }
.cform__step h3 { margin-top: 0; }
.cform__nav { display: flex; justify-content: space-between; gap: 1rem; margin-top: 1.7rem; }
.cform fieldset { border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: 1.1rem 1.2rem; margin: 0 0 1.1rem; background: var(--mist-soft); }
.cform legend { font-weight: 700; padding: 0 .45rem; color: var(--navy); }
.cform .field + .field { margin-top: .2rem; }
.cform .field label { font-weight: 500; }
.repeatable { border-left: 3px solid var(--gold); padding-left: 1.1rem; margin-bottom: 1rem;
  background: #fff; }

/* ---------------------------------------------------------------- Footer */
.site-footer { background:
    radial-gradient(60% 120% at 100% 0%, rgba(212,175,55,.08), transparent 55%),
    linear-gradient(180deg, var(--navy), var(--navy-deep));
  color: #aebed6; padding: 3rem 0 1.6rem; border-top: 2px solid var(--gold); font-size: .9rem; }
.site-footer a { color: #cdd8ea; text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.footer__grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 2.4rem; }
@media (max-width: 760px) { .footer__grid { grid-template-columns: 1fr; gap: 1.6rem; } }
.footer__grid h4 { color: #fff; font-family: var(--sans); font-size: .78rem;
  letter-spacing: .12em; text-transform: uppercase; margin: 0 0 .9rem; }
.footer__grid ul { list-style: none; margin: 0; padding: 0; }
.footer__grid li { margin-bottom: .5rem; }
.footer__legal { border-top: 1px solid rgba(255,255,255,.12); margin-top: 2rem;
  padding-top: 1.3rem; font-size: .78rem; color: #8294af; line-height: 1.6; }
.config-missing { background: #ffe2e2; color: #a40000; padding: 0 .3em; border-radius: 3px;
  font-weight: 700; }

/* ---------------------------------------------------------------- Cookie */
.cookie { position: fixed; left: 1rem; right: 1rem; bottom: 1rem; z-index: 150;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow-lg); padding: 1.2rem 1.4rem;
  max-width: 660px; margin: 0 auto; }
.cookie p { margin: 0 0 .9rem; font-size: .9rem; }
.cookie__btns { display: flex; flex-wrap: wrap; gap: .6rem; }

/* ---------------------------------------------------------------- Misc */
.faq-item { border: 1px solid var(--line); border-radius: var(--radius-sm); background: #fff;
  padding: .2rem 1.2rem; margin-bottom: .7rem; box-shadow: var(--shadow-sm);
  transition: border-color .15s ease, box-shadow .15s ease; }
.faq-item[open] { border-color: #c9d4e6; box-shadow: var(--shadow); }
.faq-item summary { font-weight: 700; cursor: pointer; font-family: var(--serif);
  font-size: 1.1rem; color: var(--navy); list-style: none; padding: .95rem 0;
  display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: "+"; font-family: var(--sans); font-weight: 400;
  font-size: 1.5rem; color: var(--gold-deep); line-height: 1; transition: transform .2s ease; }
.faq-item[open] summary { color: var(--gold-deep); }
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item p { margin: 0 0 1rem; }
.post-meta { color: var(--muted); font-size: .85rem; margin-bottom: 1.5rem; }
.post-body { max-width: 70ch; }
.post-body h2 { margin-top: 2.2rem; }
.tag { display: inline-block; background: var(--navy); color: var(--gold);
  font-size: .7rem; font-weight: 700; padding: .3rem .7rem; border-radius: 999px;
  letter-spacing: .06em; text-transform: uppercase; }
.cta-band { text-align: center; }
.cta-band .btn { margin-top: 1rem; }
hr.rule { border: 0; border-top: 1px solid var(--line); margin: 2.2rem 0; }
ul.ticks { list-style: none; padding: 0; }
ul.ticks li { padding-left: 2rem; position: relative; margin-bottom: .7rem; }
ul.ticks li::before { content: "✓"; position: absolute; left: 0; top: -1px;
  width: 1.4rem; height: 1.4rem; display: grid; place-items: center;
  background: rgba(212,175,55,.16); color: var(--gold-deep); border-radius: 50%;
  font-size: .8rem; font-weight: 700; }