/* Nov 6, 2026: "premium publisher" layer, loaded last on every page.
   Patterns studied on the big US comparison sites (deep green bands with a faint grid, soft
   borderless cards that lift on hover, a byline bar with an updated date and a fact-check badge,
   a sticky "On this page" list, section titles with a short accent bar, an editorial-integrity
   note, a phone menu drawer). All code, words and drawings are our own. */
:root {
  --nw-deep: #063d2c; --nw-deep-2: #0a5f45; --nw-green: #00785a; --nw-green-2: #005f47;
  --nw-mint: #6ef2b4; --nw-soft: #eef7f2; --nw-ink: #14201a; --nw-ink-2: #34423b; --nw-mute: #56645c;
  --nw-line: #e1e7e3; --nw-gold: #ffd75e;
  --nw-sh: 0 4px 16px rgba(40, 56, 48, .06), 0 16px 40px rgba(40, 56, 48, .06);
  --nw-sh-hover: 0 8px 22px rgba(40, 56, 48, .09), 0 24px 52px rgba(40, 56, 48, .10);
  --nw-r: 16px;
  --nw-ease: cubic-bezier(.2, .7, .2, 1);
}

/* ---------- Header: calm white bar, green underline on hover, phone menu ---------- */
.site-header { background: rgba(255, 255, 255, .94); }
@media (min-width: 1100px) {
  .nav a:not(.btn):not(.nav-account) { position: relative; border-radius: 0; background: none !important; color: var(--nw-ink-2); }
  .nav a:not(.btn):not(.nav-account)::after {
    content: ""; position: absolute; left: 10px; right: 10px; bottom: 2px; height: 2.5px; border-radius: 2px;
    background: var(--nw-green); transform: scaleX(0); transform-origin: left; transition: transform .22s var(--nw-ease);
  }
  .nav a:not(.btn):not(.nav-account):hover { color: var(--nw-ink); }
  .nav a:not(.btn):not(.nav-account):hover::after, .nav a[aria-current="page"]::after { transform: scaleX(1); }
  .nav a[aria-current="page"] { color: var(--nw-green-2) !important; }
}
.nav-burger { display: none; }
@media (max-width: 1099px) {
  .nav-burger {
    display: inline-flex; align-items: center; justify-content: center; flex: none; width: 42px; height: 42px; padding: 0;
    border: 1.5px solid var(--nw-line); border-radius: 50%; background: #fff; color: var(--nw-ink); cursor: pointer;
  }
  .nav-burger svg { width: 20px; height: 20px; }
  .nav-burger:focus-visible { outline: 3px solid #7cc4ad; outline-offset: 2px; }
}
.nav-drawer {
  position: fixed; inset: 0; z-index: 60; display: flex; justify-content: flex-end;
  background: rgba(6, 30, 22, .42); opacity: 0; visibility: hidden; transition: opacity .22s ease, visibility 0s linear .22s;
}
.nav-drawer.is-open { opacity: 1; visibility: visible; transition: opacity .22s ease; }
.nav-drawer-in {
  display: flex; flex-direction: column; width: min(86vw, 360px); height: 100%; overflow-y: auto; background: #fff;
  box-shadow: -20px 0 50px rgba(0, 0, 0, .18); transform: translateX(100%); transition: transform .28s var(--nw-ease);
}
.nav-drawer.is-open .nav-drawer-in { transform: none; }
.nav-drawer-top { display: flex; align-items: center; justify-content: space-between; padding: 14px 16px; border-bottom: 1px solid var(--nw-line); }
.nav-drawer-top b { font-size: 15px; }
.nav-drawer-x { width: 42px; height: 42px; border: 0; border-radius: 50%; background: var(--nw-soft); color: var(--nw-ink); font-size: 24px; line-height: 1; cursor: pointer; }
.nav-drawer-links { display: grid; padding: 8px 8px 0; }
.nav-drawer-links a {
  display: flex; align-items: center; justify-content: space-between; min-height: 54px; padding: 0 14px; border-radius: 12px;
  color: var(--nw-ink) !important; font-size: 17px; font-weight: 700; text-decoration: none !important;
}
.nav-drawer-links a::after { content: ""; width: 9px; height: 9px; border-right: 2.5px solid var(--nw-green); border-top: 2.5px solid var(--nw-green); transform: rotate(45deg); }
.nav-drawer-links a:hover, .nav-drawer-links a[aria-current="page"] { background: var(--nw-soft); }
.nav-drawer-sub { display: grid; gap: 2px; margin: 10px 16px 0; padding-top: 12px; border-top: 1px solid var(--nw-line); }
.nav-drawer-sub a { padding: 9px 6px; color: var(--nw-ink-2) !important; font-size: 15px; font-weight: 600; text-decoration: none !important; }
.nav-drawer-cta { margin: auto 16px 20px; padding-top: 18px; }
.nav-drawer-cta .btn { width: 100%; }
.nav-drawer-cta p { margin: 8px 0 0; font-size: 13px; color: var(--nw-mute); text-align: center; }
html.nav-locked, html.nav-locked body { overflow: hidden; }
@media (prefers-reduced-motion: reduce) { .nav-drawer, .nav-drawer-in { transition: none; } }

/* ---------- Green bands: a faint grid that fades out, like graph paper ---------- */
.lp-band, .h4-hero, .ov-hero, .ar-hero { position: relative; overflow: hidden; isolation: isolate; }
.lp-band::before, .h4-hero::before, .ov-hero::before, .ar-hero::before {
  content: ""; position: absolute; inset: 0; z-index: -1; pointer-events: none;
  background-image: linear-gradient(rgba(255, 255, 255, .07) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .07) 1px, transparent 1px);
  background-size: 44px 44px; background-position: -1px -1px;
  -webkit-mask-image: radial-gradient(120% 100% at 80% 0%, #000 20%, transparent 75%); mask-image: radial-gradient(120% 100% at 80% 0%, #000 20%, transparent 75%);
}
.lp-band > .wrap, .h4-hero > .wrap { position: relative; z-index: 1; }
.lp-band h1, .h4-hero h1 { animation: nw-rise .6s var(--nw-ease) both; }
.lp-band .lp-lede, .h4-hero .h4-sub { animation: nw-rise .6s var(--nw-ease) .08s both; }
@keyframes nw-rise { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: none; } }

/* ---------- Cards: borderless, soft double shadow, lift on hover ---------- */
.dr-card, .hl-card, .h4 main .hl-card, .mt-card, .guide-card, .ov-alt, .rc-card, .lp-card, .h4-door, .ar-more .guide-card {
  border-color: var(--nw-line) !important; border-radius: var(--nw-r) !important; box-shadow: var(--nw-sh) !important;
  transition: transform .22s var(--nw-ease), box-shadow .22s var(--nw-ease), border-color .22s ease !important;
}
a.dr-card:hover, a.hl-card:hover, a.mt-card:hover, a.guide-card:hover, .ov-alt:hover, a.h4-door:hover, .lp-card:hover {
  transform: translateY(-3px); box-shadow: var(--nw-sh-hover) !important; border-color: #b9d8ca !important;
}
a.h4-door:hover { transform: translateY(-3px); }
.dr-card:active, .hl-card:active, .guide-card:active, .h4-door:active { transform: translateY(-1px) scale(.995); }
/* Buttons with an arrow nudge it forward on hover. */
.h4-btn svg, .btn svg { transition: transform .2s var(--nw-ease); }
.h4-btn:hover svg, .btn:hover svg { transform: translateX(3px); }

/* Section titles get a short green bar, so long pages scan easily. */
.ov-sec > h2, .ar-body h2, .dr-head h2 { position: relative; }
.ov-sec:not(.ov-pc) > h2, .ar-body h2 { padding-left: 16px; }
.ov-sec:not(.ov-pc) > h2::before, .ar-body h2::before {
  content: ""; position: absolute; left: 0; top: .18em; bottom: .18em; width: 4px; border-radius: 4px; background: var(--nw-green);
}

/* FAQ: smooth open, rotating chevron. */
.h4-faq details > summary { transition: color .15s; }
.h4-faq details[open] > *:not(summary) { animation: nw-rise .3s var(--nw-ease) both; }

/* ---------- Byline bar + "updated / fact checked" strip (reviews and guides) ---------- */
.nw-byline {
  display: flex; flex-wrap: wrap; align-items: center; gap: 12px 18px; padding: 12px 16px; border-radius: 14px;
  background: rgba(255, 255, 255, .1); border: 1px solid rgba(255, 255, 255, .16); color: #e4f6ee;
}
.nw-by { display: flex; align-items: center; gap: 10px; min-width: 0; }
.nw-av { flex: none; display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: #e9f8f0; box-shadow: 0 0 0 2px rgba(255, 255, 255, .35); }
.nw-av svg { width: 32px; height: 27px; }
.nw-by small { display: block; font-size: 12px; color: #b9e2cf; line-height: 1.2; }
.nw-by b { display: block; font-size: 14.5px; color: #fff; line-height: 1.3; }
.nw-by a { color: #fff !important; }
.nw-strip { display: flex; flex-wrap: wrap; align-items: center; gap: 8px 14px; margin-top: 14px; font-size: 13.5px; color: #cfeee0; }
.nw-fc {
  display: inline-flex; align-items: center; gap: 6px; padding: 4px 10px 4px 7px; border-radius: 999px; background: var(--nw-gold); color: #3d2e00 !important;
  font-size: 11.5px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; text-decoration: none !important;
}
.nw-fc svg { width: 15px; height: 15px; }
.nw-fc:hover { background: #ffe58f; }
.nw-crumbs { font-size: 13.5px; color: #bfe3d3; }
.nw-crumbs a { color: #e4f6ee !important; text-decoration: underline; text-underline-offset: 3px; text-decoration-thickness: 1px !important; font-weight: 500 !important; }

/* Editorial-integrity note: grey box with a green accent line. */
.nw-integrity { position: relative; padding: 16px 18px 16px 22px; border-radius: 14px; background: #f4f6f5; font-size: 14.5px; line-height: 1.55; color: var(--nw-ink-2); }
.nw-integrity::before { content: ""; position: absolute; left: 0; top: 14px; bottom: 14px; width: 4px; border-radius: 0 4px 4px 0; background: var(--nw-green); }
.nw-integrity b { color: var(--nw-ink); }
.nw-integrity p { margin: 4px 0 0; }

/* ---------- Offer review page ---------- */
.ov-hero { padding: 18px 0 92px; color: #fff; background: radial-gradient(90% 120% at 90% 0%, #12855f 0%, rgba(18, 133, 95, 0) 60%), linear-gradient(115deg, var(--nw-deep) 0%, var(--nw-deep-2) 60%, #0d7354 100%); }
.ov-hero .ov-kicker { margin-top: 14px; color: var(--nw-mint); }
.ov main .ov-hero h1 { color: #fff; animation: nw-rise .6s var(--nw-ease) both; }
.ov-hero .ov-sub { color: #d7f1e5; max-width: 60ch; }
.ov-hero .nw-byline { margin-top: 18px; max-width: 760px; }
.ov .ov-grid { margin-top: -72px; position: relative; z-index: 2; }
.ov .ov-bottom { border: 0; border-top: 0; box-shadow: var(--nw-sh-hover); border-radius: 20px; padding: 22px; animation: nw-rise .6s var(--nw-ease) .1s both; }
.ov .ov-bottom { background: linear-gradient(90deg, var(--nw-green), #34c38f, var(--nw-mint)) top / 100% 5px no-repeat, #fff; }
.ov .ov-side { top: 84px; }
@media (min-width: 980px) {
  .ov .ov-side { margin-top: 0; }
  .ov .ov-cta { border: 0; border-radius: 20px; box-shadow: var(--nw-sh-hover); }
  .ov .ov-toc { order: 2; padding: 16px 18px; border: 0; border-radius: 16px; background: #f4f6f5; }
  .ov .ov-cta { order: 1; }
  .ov .ov-back { order: 3; }
}
.ov .ov-toc a.is-active { border-left-color: var(--nw-green); color: var(--nw-green-2) !important; font-weight: 700; }
.ov .ov-pc > div { border: 0; box-shadow: none; }
.ov .ov-trust { display: none; }
.ov-logo { background: linear-gradient(145deg, #f1faf5, #dff2e8); border-color: #d2e9dd; }

/* ---------- Guide (article) pages ---------- */
.ar main#main { padding: 0; }
.ar-hero { padding: 18px 0 30px; color: #fff; background: radial-gradient(90% 120% at 90% 0%, #12855f 0%, rgba(18, 133, 95, 0) 60%), linear-gradient(115deg, var(--nw-deep) 0%, var(--nw-deep-2) 60%, #0d7354 100%); }
@media (min-width: 900px) { .ar-hero { padding: 26px 0 40px; } }
.ar-hero .ar-k { margin: 16px 0 0; font-size: 12px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--nw-mint); }
html body .ar-hero h1 { margin: 8px 0 0; max-width: 22ch; color: #fff; font-size: clamp(2rem, 6.4vw, 3.1rem); animation: nw-rise .6s var(--nw-ease) both; }
.ar-dek { margin: 12px 0 0; max-width: 62ch; font-size: 1.12rem; line-height: 1.55; color: #d7f1e5; }
.ar-hero .nw-byline { margin-top: 20px; max-width: 760px; }
.ar-grid { display: grid; gap: 28px; padding-top: 28px; padding-bottom: 48px; }
@media (min-width: 1000px) { .ar-grid { grid-template-columns: minmax(0, 1fr) 280px; gap: 56px; align-items: start; } }
.ar-main { min-width: 0; max-width: 720px; }
.ar-body { font-size: 17.5px; line-height: 1.72; color: var(--nw-ink-2); }
.ar-body > p:first-child { font-size: 19px; color: var(--nw-ink); }
.ar-body h2 { margin: 36px 0 10px; font-size: clamp(1.35rem, 4vw, 1.65rem); color: var(--nw-ink); scroll-margin-top: 84px; }
.ar-body h3 { margin: 24px 0 6px; font-size: 1.15rem; color: var(--nw-ink); }
.ar-body ul, .ar-body ol { padding-left: 1.2em; }
.ar-body li { margin: 6px 0; }
.ar-body li::marker { color: var(--nw-green); font-weight: 700; }
.ar-side { display: none; }
@media (min-width: 1000px) { .ar-side { display: grid; gap: 16px; position: sticky; top: 84px; } }
.ar-toc { padding: 16px 18px; border-radius: 16px; background: #f4f6f5; }
.ar-toc p { margin: 0 0 8px; font-size: 12px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--nw-mute); }
.ar-toc a { display: block; padding: 7px 0 7px 12px; border-left: 2px solid var(--nw-line); color: var(--nw-ink-2) !important; font-size: 14.5px; line-height: 1.35; text-decoration: none !important; font-weight: 500 !important; }
.ar-toc a:hover, .ar-toc a.is-active { border-left-color: var(--nw-green); color: var(--nw-green-2) !important; }
.ar-toc a.is-active { font-weight: 700 !important; }
.ar-toc-m { margin: 0 0 22px; border-radius: 14px; background: #f4f6f5; }
.ar-toc-m summary { display: flex; align-items: center; justify-content: space-between; min-height: 50px; padding: 0 16px; cursor: pointer; font-weight: 700; list-style: none; }
.ar-toc-m summary::-webkit-details-marker { display: none; }
.ar-toc-m summary::after { content: ""; width: 8px; height: 8px; border-right: 2.5px solid var(--nw-green); border-bottom: 2.5px solid var(--nw-green); transform: rotate(45deg); transition: transform .2s; }
.ar-toc-m[open] summary::after { transform: rotate(-135deg); }
.ar-toc-m nav { padding: 0 16px 14px; }
.ar-toc-m a { display: block; padding: 8px 0; color: var(--nw-ink-2) !important; text-decoration: none !important; font-weight: 500 !important; border-top: 1px solid var(--nw-line); }
@media (min-width: 1000px) { .ar-toc-m { display: none; } }
.ar-side-join { padding: 18px; border-radius: 16px; background: #fff; box-shadow: var(--nw-sh); }
.ar-side-join b { display: block; font-size: 16px; color: var(--nw-ink); }
.ar-side-join p { margin: 6px 0 12px; font-size: 14px; line-height: 1.5; color: var(--nw-mute); }
.ar-side-join .h4-btn, .ar-side-join .btn { width: 100%; min-height: 46px; font-size: 15px; }
/* Mid-article weekly email callout */
.ar-callout {
  display: grid; grid-template-columns: auto 1fr; gap: 6px 14px; align-items: center; margin: 30px 0; padding: 18px 20px;
  border-radius: 18px; background: linear-gradient(135deg, #effaf4, #e2f4ea); border: 1px solid #cfe9db;
}
.ar-callout .nw-av { width: 52px; height: 52px; grid-row: span 2; box-shadow: none; background: #fff; }
.ar-callout .nw-av svg { width: 42px; height: 35px; }
.ar-callout b { font-size: 17px; color: var(--nw-ink); }
.ar-callout p { margin: 0; font-size: 15px; line-height: 1.5; color: var(--nw-ink-2); }
.ar-callout .h4-btn, .ar-callout .btn { grid-column: 1 / -1; justify-self: start; min-height: 46px; margin-top: 8px; font-size: 15px; }
@media (min-width: 640px) { .ar-callout { grid-template-columns: auto 1fr auto; } .ar-callout .h4-btn, .ar-callout .btn { grid-column: 3; grid-row: 1 / span 2; margin: 0; } }
.ar-end { display: grid; gap: 16px; margin-top: 32px; }
.ar-more { padding: 40px 0 48px; background: #f6f8f7; }
.ar-more h2 { margin: 0 0 16px; font-size: clamp(1.35rem, 4vw, 1.7rem); }
.ar .guide-grid { display: grid; gap: 16px; }
@media (min-width: 700px) { .ar .guide-grid { grid-template-columns: repeat(3, 1fr); } }
.ar .guide-card { background: #fff; }
.ar-progress { position: fixed; left: 0; top: 0; z-index: 70; height: 3px; width: 100%; background: var(--nw-green); transform: scaleX(0); transform-origin: left; pointer-events: none; }

/* Phone header: logo, Ask Hoppy and the menu button only (Log in lives in the menu). */
@media (max-width: 599px) {
  .nav a.nav-account { display: none !important; }
  .header-inner { gap: 8px; }
  .nav { gap: 8px; }
}
@media (max-width: 359px) { .brand .wm { font-size: 1.05rem; } }

/* Inline weekly-email box (guides and reviews): sign up where you read, no trip to the homepage. */
.nw-join { grid-template-columns: auto 1fr !important; align-items: start !important; }
.nw-join .nj-copy { min-width: 0; }
.nw-join .nj-copy b { display: block; }
.nw-join .nj-copy p { margin-top: 4px; }
.nw-join .nj-form, .nw-join .nj-done { grid-column: 1 / -1; }
.nj-row { display: flex; gap: 8px; margin-top: 4px; }
.nj-row input { flex: 1; min-width: 0; min-height: 50px; padding: 0 14px; border: 1.5px solid #bfd9cb; border-radius: 12px; background: #fff; font: inherit; font-size: 16px; }
.nj-row input:focus { outline: none; border-color: var(--nw-green); box-shadow: 0 0 0 3px rgba(0, 120, 90, .18); }
.nj-row .h4-btn { flex: none; min-height: 50px; padding: 0 18px; font-size: 15px; margin: 0 !important; grid-column: auto !important; grid-row: auto !important; }
@media (max-width: 520px) { .nj-row { flex-direction: column; } .nj-row .h4-btn { width: 100%; } }
.nw-join .consent { display: flex; gap: 10px; align-items: flex-start; margin-top: 10px; }
.nw-join .consent input { flex: none; width: 20px; height: 20px; margin-top: 2px; accent-color: var(--nw-green); }
.nw-join .consent label { font-size: 13px !important; line-height: 1.45; }
.nw-join .form-error { margin: 6px 0 0; font-size: 14px; color: #b42318; font-weight: 600; }
.nw-join .form-error:empty { display: none; }
.nw-join .nj-done { padding: 12px 14px; border-radius: 12px; background: #fff; font-size: 15px; line-height: 1.5; color: var(--nw-ink-2); animation: nw-rise .4s var(--nw-ease) both; }
.nw-join .nj-done b { color: var(--nw-green-2); }
.ov-main > .nw-join { margin: 0; }

/* Homepage "Find what you need": tabbed section with the four doors, then the trust row. */
.is-hub #main > #find { order: 1; }
.ft-sec { padding: 40px 0 44px; }
@media (min-width: 900px) { .ft-sec { padding: 56px 0 60px; } }
.ft-sec h2 { margin: 0 0 16px; font-size: clamp(1.5rem, 4.6vw, 2.1rem); }
.ft-tabs { display: none; }
.ft-js .ft-tabs {
  display: flex; gap: 10px; margin: 0 -16px 20px; padding: 2px 16px 6px; overflow-x: auto; scrollbar-width: none; scroll-snap-type: x proximity;
}
.ft-js .ft-tabs::-webkit-scrollbar { display: none; }
@media (min-width: 640px) { .ft-js .ft-tabs { margin: 0 0 22px; padding: 2px 0 6px; flex-wrap: wrap; } }
.ft-tabs button {
  flex: none; display: inline-flex; align-items: center; gap: 10px; min-height: 52px; padding: 0 18px 0 10px; scroll-snap-align: start;
  border: 1.5px solid var(--nw-line); border-radius: 14px; background: #fff; color: var(--nw-ink); font: inherit; font-size: 16px; font-weight: 700; cursor: pointer;
  transition: background .2s, border-color .2s, box-shadow .2s, color .2s;
}
.ft-tabs button svg { width: 34px; height: 34px; }
.ft-tabs button:hover { background: #f7f9f8; border-color: #c8d8cf; }
.ft-tabs button[aria-selected="true"] { background: var(--nw-soft); border-color: var(--nw-green); color: var(--nw-green-2); box-shadow: 0 6px 16px -10px rgba(0, 95, 71, .6); }
.ft-tabs button:focus-visible { outline: 3px solid #7cc4ad; outline-offset: 2px; }
.ft-panel { margin-bottom: 28px; }
.ft-js .ft-panel { margin-bottom: 0; animation: nw-rise .35s var(--nw-ease) both; }
.ft-js .ft-panel[data-off] { display: none; }
.ft-sec:not(.ft-js) .ft-panel::before { content: attr(aria-labelledby); display: none; }
.ft-lede { margin: 0 0 14px; color: var(--nw-mute); font-size: 16px; }
.ft-sec .dr-grid { display: grid; gap: 14px; }
@media (min-width: 760px) { .ft-sec .dr-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.ft-sec .dr-all { display: inline-block; margin-top: 16px; }
.nw-trust-h { margin-top: 44px !important; font-size: clamp(1.25rem, 3.8vw, 1.6rem) !important; }
.nw-trust { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
@media (min-width: 900px) { .nw-trust { grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; } }
.nw-trust > div { display: grid; gap: 4px; align-content: start; padding: 18px; border-radius: 16px; background: linear-gradient(160deg, #f2faf6, #e8f5ee); }
.nw-trust b { font-size: clamp(1.7rem, 5vw, 2.3rem); font-weight: 800; letter-spacing: -.02em; line-height: 1.05; color: var(--nw-green-2); font-variant-numeric: tabular-nums; }
.nw-trust span { font-size: 14px; line-height: 1.4; color: var(--nw-ink-2); }