/* Layout system: Monzo (refs/adjacent-monzo-2). Colour: Wealthify's own (refs/00-wealthify).
   Type: serif display (Wealthsimple Tiempos / Nutmeg Celeste -> Newsreader), geometric sans (The Future / Orla Sprig Sans -> Figtree). */
:root {
  --canvas: #fcfcfc;        /* Wealthify canvas */
  --surface: #ffffff;
  --ink: #0c1b28;           /* Wealthify navy: text, dark panels */
  --ink-2: #555555;         /* Wealthify secondary text */
  --mint: #f5f8fa;          /* Wealthify card surface */
  --mint-2: #eaeff2;        /* Wealthify border / tint */
  --night: #0c1b28;
  --night-2: rgba(255,255,255,.06);
  --teal: #32d1b9;          /* Wealthify action fill */
  --teal-ink: #006060;      /* Wealthify links */
  --sun: #fff3c6;           /* Wealthify yellow */
  --line: #eaeff2;

  --font-display: "Newsreader", Georgia, serif;
  --font-text: "Figtree", system-ui, sans-serif;

  --step-0: 1.125rem;
  --step-1: clamp(1.125rem, 1.08rem + 0.25vw, 1.25rem);
  --step-2: clamp(1.5rem, 1.4rem + 0.4vw, 1.75rem);
  --step-3: clamp(1.75rem, 1.6rem + 0.7vw, 2.25rem);
  --step-4: clamp(2.25rem, 1.9rem + 1.4vw, 3.5rem);
  --step-5: clamp(2.75rem, 2.2rem + 2.2vw, 4.25rem);

  --r-card: 32px;
  --r-panel: 64px;
  --max: 1170px;
  --gutter: 24px;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--canvas);
  color: var(--ink);
  font: 400 var(--step-0)/1.5 var(--font-text);
  letter-spacing: -0.005em;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; }
h1, h2, h3 { font-family: var(--font-display); margin: 0; font-weight: 400; letter-spacing: -0.015em; }
h1 { font-size: var(--step-5); line-height: 1.04; }
h2 { font-size: var(--step-4); line-height: 1.08; }
h3 { font-size: var(--step-2); line-height: 1.2; }
p { margin: 0; }

.wrap { width: min(100% - 2 * var(--gutter), var(--max)); margin-inline: auto; }
.section { padding-block: clamp(72px, 9vw, 128px); }
.section-head { max-width: 720px; margin-bottom: 48px; }
.section-head p { color: var(--ink-2); font-size: var(--step-1); margin-top: 16px; }
.center { text-align: center; margin-inline: auto; }

/* Buttons: pill, 48px, filled ink or outlined */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  height: 48px; padding: 0 24px; border-radius: 999px;
  font: 600 1rem/1 var(--font-text); text-decoration: none; white-space: nowrap;
  border: 2px solid var(--teal); background: var(--teal); color: var(--ink);
  transition: transform .15s ease, background .15s ease, color .15s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn--ghost { background: transparent; border-color: var(--ink); color: var(--ink); }
.btn--ghost:hover { background: var(--ink); color: #fff; }
.btn--light { background: var(--teal); border-color: var(--teal); color: var(--ink); }
.btn--ghost-light { background: transparent; border-color: #fff; color: #fff; }
.btn--ghost-light:hover { background: #fff; color: var(--ink); }
.btn--sm { height: 40px; padding: 0 18px; font-size: .9375rem; }

/* Header */
.header {
  position: sticky; top: 0; z-index: 20;
  background: rgba(252,252,252,.78);
  backdrop-filter: blur(40px); -webkit-backdrop-filter: blur(40px);
}
.header__in { display: flex; align-items: center; gap: 24px; height: 80px; padding-inline: var(--gutter); max-width: 1440px; margin: auto; }
.logo img { height: 34px; width: auto; }
.nav { display: flex; gap: 4px; background: var(--mint); border-radius: 999px; padding: 4px; }
.nav a { padding: 8px 16px; border-radius: 999px; text-decoration: none; font-weight: 600; font-size: .9375rem; }
.nav a:hover { background: #fff; }
.header__cta { margin-left: auto; display: flex; gap: 8px; align-items: center; }
.header__signin { font-weight: 600; text-decoration: none; padding: 0 12px; }
.menu-btn { display: none; }

/* Hero: inset, rounded, full photo, copy on the left */
.hero { padding-inline: var(--gutter); max-width: 1440px; margin: 0 auto; }
.hero__card {
  position: relative; overflow: hidden; border-radius: var(--r-card);
  min-height: clamp(560px, 52vw, 760px);
  display: flex; align-items: flex-end;
  background: var(--night);
  color: #fff;
}
.hero__img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 70% 30%; }
.hero__card::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(12,27,40,.38) 0%, rgba(12,27,40,.12) 40%, rgba(12,27,40,0) 58%);
}
.hero__copy { position: relative; z-index: 1; padding: clamp(32px, 5vw, 72px); max-width: 760px; }
.hero__copy p { font-size: var(--step-1); margin-top: 20px; max-width: 520px; }
.hero__list { list-style: none; padding: 0; margin: 24px 0 32px; display: grid; gap: 10px; }
.hero__list li { display: flex; gap: 10px; align-items: flex-start; }
.hero__list li::before { content: ""; flex: none; width: 22px; height: 22px; margin-top: 1px; border-radius: 50%; background: var(--teal) url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="%230f2524" stroke-width="3" stroke-linecap="round" stroke-linejoin="round"><path d="M6 12.5l4 4 8-9"/></svg>') center/14px no-repeat; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; }
.promo {
  position: absolute; z-index: 1; top: 24px; right: 24px; max-width: 340px;
  background: var(--sun); color: var(--ink); border-radius: 24px; padding: 16px 20px; font-size: .875rem;
}
.promo strong { display: block; font: 500 1.375rem/1.15 var(--font-display); margin-bottom: 4px; }
.promo a { font-weight: 700; }
.hero__note { padding: 12px var(--gutter) 0; max-width: 1440px; margin: auto; text-align: right; color: var(--ink-2); font-size: .8125rem; }

/* Trust strip */
.trust { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px 40px; padding-top: 40px; color: var(--ink-2); font-weight: 600; }
.trust span { display: inline-flex; gap: 8px; align-items: center; }
.trust b { color: var(--ink); }

/* Product cards */
.grid-3 { display: grid; gap: 24px; grid-template-columns: repeat(3, 1fr); }
.grid-2 { display: grid; gap: 24px; grid-template-columns: repeat(2, 1fr); }
.card { background: var(--mint); border-radius: var(--r-card); padding: 32px; display: flex; flex-direction: column; gap: 20px; }
.card__icon { width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; background: var(--teal); }
.card__icon svg { width: 28px; height: 28px; }
.ticks { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; color: var(--ink-2); }
.ticks li { display: flex; gap: 12px; }
.ticks li::before { content: ""; flex: none; width: 20px; height: 20px; margin-top: 2px; border-radius: 50%; background: var(--ink) url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24" fill="none" stroke="%2378ddd2" stroke-width="3.2" stroke-linecap="round" stroke-linejoin="round"><path d="M6 12.5l4 4 8-9"/></svg>') center/12px no-repeat; }
.card__actions { margin-top: auto; display: grid; gap: 8px; padding-top: 8px; }
.card__actions .btn { width: 100%; }

/* Dark panel: Why choose */
.panel { border-radius: var(--r-panel); padding: clamp(40px, 6vw, 64px); }
.panel--night { background: var(--night); color: #fff; }
.panel--night .section-head p { color: rgba(255,255,255,.72); }
.why { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.why__item { border-top: 1px solid rgba(255,255,255,.18); padding-top: 32px; }
.why__item h3 { margin: 20px 0 8px; }
.why__item p { color: rgba(255,255,255,.72); }

/* Awards */
.awards { display: grid; grid-template-columns: repeat(6, 1fr); gap: 16px; }
.award { background: var(--mint); border-radius: 24px; aspect-ratio: 1; display: grid; place-items: center; padding: 18px; }
.award img { width: 100%; height: 100%; object-fit: contain; }
.panel--mint { background: var(--mint); }
.split a, .fineprint a { color: var(--teal-ink); }

/* Aviva */
.split { display: grid; grid-template-columns: 1.2fr 1fr; gap: clamp(32px, 6vw, 96px); align-items: center; }
.split p + p { margin-top: 16px; }
.split .lead { font-size: var(--step-1); color: var(--ink); }
.split p { color: var(--ink-2); }
.aviva { background: #ffd900; border-radius: var(--r-card); aspect-ratio: 4/3; display: grid; place-items: center; }
.aviva img { width: 56%; }

/* App */
.app { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 64px); align-items: center; }
.app__lede { margin-top: 16px; font-size: var(--step-1); color: rgba(255,255,255,.72); max-width: 440px; }
.app__get { display: flex; align-items: center; gap: 24px; margin-top: 40px; }
.app__qr { flex: none; width: 128px; height: 128px; padding: 10px; background: #fff; border-radius: 20px; }
.app__qr img { width: 100%; height: 100%; image-rendering: pixelated; }
.app__scan { font-weight: 600; color: #fff; margin-bottom: 12px; }
.stores { display: flex; gap: 12px; flex-wrap: wrap; }
.stores img { height: 44px; width: auto; border-radius: 8px; }
.app__img { width: 100%; height: auto; }

/* Savings */
.rate { font: 400 var(--step-5)/1 var(--font-display); letter-spacing: -0.02em; }
.rate small { font-size: var(--step-1); font-weight: 600; letter-spacing: 0; color: var(--ink-2); margin-left: 6px; }
.badge { align-self: flex-start; background: #fff; border-radius: 999px; padding: 6px 14px; font-weight: 600; font-size: .875rem; }
.fineprint { color: var(--ink-2); font-size: .875rem; margin-top: 24px; }

/* Risk */
.risk { border: 1px solid var(--line); background: var(--surface); border-radius: var(--r-card); padding: 24px 32px; display: flex; gap: 16px; align-items: center; font-weight: 600; }

/* Footer */
.footer { background: var(--night); color: rgba(255,255,255,.75); margin-top: clamp(72px, 9vw, 128px); padding: 72px 0 48px; font-size: .9375rem; }
.footer a { text-decoration: none; }
.footer a:hover { color: #fff; text-decoration: underline; }
.footer__top { display: grid; grid-template-columns: 1.4fr repeat(3, 1fr); gap: 40px; }
.footer h4 { color: #fff; font: 600 1rem/1.4 var(--font-text); margin: 0 0 16px; }
.footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer__contact a.phone { color: var(--teal); font: 400 1.75rem/1.2 var(--font-display); }
.footer__legal { border-top: 1px solid rgba(255,255,255,.12); margin-top: 56px; padding-top: 32px; display: grid; grid-template-columns: 1fr 1fr; gap: 32px; font-size: .8125rem; line-height: 1.6; }
.footer__legal p + p { margin-top: 12px; }
.footer__legal strong { color: #fff; }

/* Responsive */
@media (max-width: 1080px) {
  .nav { display: none; }
  .awards { grid-template-columns: repeat(3, 1fr); }
  .footer__top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 860px) {
  .grid-3, .grid-2, .why, .split, .app, .footer__legal { grid-template-columns: 1fr; }
  .hero__card { flex-direction: column; align-items: stretch; min-height: 0; }
  .hero__card::after { display: none; }
  .hero__img { position: relative; order: 0; height: 360px; object-position: 76% 30%; }
  .hero__copy { order: 1; max-width: none; padding: 32px 24px 24px; }
  .promo { position: relative; order: 2; top: auto; right: auto; margin: 0 16px 16px; max-width: none; }
  .header__signin { display: none; }
  .app__qr, .app__scan { display: none; }
  .app__get { margin-top: 28px; }
}
@media (max-width: 400px) {
  .stores { gap: 8px; }
  .stores img { height: 38px; }
}
@media (max-width: 520px) {
  :root { --gutter: 16px; --r-panel: 32px; }
  .awards { grid-template-columns: repeat(2, 1fr); }
  .footer__top { grid-template-columns: 1fr; }
  .card { padding: 24px; }
  .header__in { height: 64px; }
  .logo img { height: 28px; }
  .hero__actions .btn { width: 100%; }
}