/* =====================================================
   NORWIC FINANCE — SHARED CONTENT-PAGE STYLESHEET
   Used by: terms · privacy · refund · consumer-rights ·
            disclaimer · method · about
   Tokens mirror the landing page (index.html) so these
   pages read as native parts of the site.
   ===================================================== */

*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}

:root{
  --bg:oklch(0.105 0.012 72);
  --bg-2:oklch(0.13 0.011 72);
  --surface:oklch(0.16 0.012 72);
  --surface-2:oklch(0.19 0.012 72);
  --ink:oklch(0.96 0.005 70);
  --ink-2:oklch(0.78 0.008 70);
  --ink-3:oklch(0.66 0.010 70);
  --line:oklch(1 0 0 / 0.08);
  --line-2:oklch(1 0 0 / 0.14);
  --warm:oklch(0.72 0.155 65);
  --warm-2:oklch(0.78 0.16 68);
  --warm-soft:oklch(0.72 0.155 65 / 0.12);
  --petrol:oklch(0.62 0.09 220);
  --petrol-soft:oklch(0.62 0.09 220 / 0.14);
  --good:oklch(0.74 0.14 145);
  --bad:oklch(0.70 0.18 28);
  --display:'Libre Caslon Text',Georgia,serif;
  --sans:'Bricolage Grotesque',-apple-system,system-ui,sans-serif;
  --mono:'JetBrains Mono',ui-monospace,monospace;
  --shell:1180px;
  --doc:760px;
}

html,body{min-height:100%}
body{
  background:var(--bg);
  color:var(--ink);
  font-family:var(--sans);
  font-size:15px;
  line-height:1.5;
  font-feature-settings:"ss01","tnum";
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  overflow-x:hidden;
  position:relative;
}

/* Ambient wash — same family as the landing page, lighter weight */
body::before{
  content:"";position:fixed;inset:0;z-index:-1;pointer-events:none;
  background:
    radial-gradient(1000px 620px at 82% -8%, oklch(0.72 0.155 65 / 0.06), transparent 58%),
    radial-gradient(800px 560px at 4% 8%, oklch(0.62 0.09 220 / 0.05), transparent 55%);
}

a{color:inherit;text-decoration:none}
em{font-style:italic}
*{-webkit-tap-highlight-color:transparent}
::selection{background:oklch(0.72 0.16 65);color:oklch(0.12 0.012 70)}

a:focus-visible,button:focus-visible,summary:focus-visible{
  outline:2px solid var(--warm);outline-offset:3px;border-radius:6px}

html{scrollbar-width:thin;scrollbar-color:oklch(1 0 0 / 0.16) transparent}
::-webkit-scrollbar{width:11px;height:11px}
::-webkit-scrollbar-track{background:transparent}
::-webkit-scrollbar-thumb{background:oklch(1 0 0 / 0.13);border-radius:8px;border:3px solid transparent;background-clip:padding-box}
::-webkit-scrollbar-thumb:hover{background:oklch(0.72 0.155 65 / 0.45);background-clip:padding-box}

[id]{scroll-margin-top:96px}

.skip-link{position:absolute;left:-9999px;top:0;background:var(--warm);color:#15110a;
  padding:12px 20px;z-index:999;font-family:var(--mono);font-size:12px}
.skip-link:focus{left:12px;top:12px}

/* =====================================================
   HEADER (solid variant of the landing nav)
   ===================================================== */
.pg-nav{position:sticky;top:0;z-index:100;
  background:oklch(0.115 0.012 72 / 0.86);
  backdrop-filter:blur(18px) saturate(160%);
  -webkit-backdrop-filter:blur(18px) saturate(160%);
  border-bottom:1px solid var(--line)}
.pg-nav-in{max-width:var(--shell);margin:0 auto;padding:15px 32px;
  display:flex;align-items:center;justify-content:space-between;gap:18px}
.pg-mark{display:flex;align-items:center;gap:10px;color:var(--ink);flex:none}
.pg-mark svg{width:22px;height:22px;fill:currentColor}
.pg-mark span{font-family:var(--display);font-style:italic;font-size:20px;letter-spacing:-0.01em}
.pg-links{display:none;gap:26px}
.pg-links a{font-family:var(--mono);font-size:11.5px;letter-spacing:0.06em;
  text-transform:uppercase;color:var(--ink-2);transition:color .3s}
.pg-links a:hover{color:var(--ink)}
.pg-links a[aria-current="page"]{color:var(--warm)}
.pg-actions{display:flex;align-items:center;gap:16px;flex:none}
.pg-signin{font-family:var(--mono);font-size:11.5px;letter-spacing:0.06em;
  text-transform:uppercase;color:var(--ink-3);transition:color .3s}
.pg-signin:hover{color:var(--ink)}
.pg-cta{font-family:var(--mono);font-size:11.5px;letter-spacing:0.06em;text-transform:uppercase;
  padding:10px 18px;border:1px solid var(--line-2);border-radius:100px;
  transition:border-color .3s,color .3s,background .3s;white-space:nowrap}
.pg-cta:hover{border-color:var(--warm);color:var(--warm);background:var(--warm-soft)}
@media(min-width:960px){.pg-links{display:flex}}
@media(max-width:560px){
  .pg-nav-in{padding:13px 20px}
  .pg-signin{display:none}
  .pg-mark span{font-size:18px}
}

/* =====================================================
   PAGE SHELL + DOCUMENT LAYOUT
   ===================================================== */
.pg-main{max-width:var(--shell);margin:0 auto;padding:0 32px 24px}
.pg-head{padding:40px 0 0;border-bottom:1px solid var(--line);margin-bottom:38px}

.crumbs{font-family:var(--mono);font-size:10.5px;letter-spacing:0.1em;
  text-transform:uppercase;color:var(--ink-3);margin-bottom:22px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.crumbs a{color:var(--ink-3);transition:color .3s}
.crumbs a:hover{color:var(--warm)}
.crumbs li+li::before{content:"/";margin-right:8px;color:var(--line-2)}
.crumbs [aria-current="page"]{color:var(--ink-2)}

.pg-kicker{font-family:var(--mono);font-size:11px;letter-spacing:0.14em;text-transform:uppercase;
  color:var(--warm);margin-bottom:14px;display:flex;align-items:center;gap:12px}
.pg-kicker::before{content:"";width:22px;height:1px;background:var(--warm);flex:none}

h1{font-family:var(--display);font-weight:400;font-size:clamp(30px,4.2vw,46px);
  line-height:1.12;letter-spacing:-0.015em;max-width:22ch}
h1 em{font-style:italic;color:var(--warm)}

.pg-lead{color:var(--ink-2);font-size:16.5px;line-height:1.7;max-width:64ch;margin-top:18px}
.pg-meta{display:flex;flex-wrap:wrap;gap:10px 22px;margin:24px 0 30px;
  font-family:var(--mono);font-size:10.5px;letter-spacing:0.08em;
  text-transform:uppercase;color:var(--ink-3)}
.pg-meta b{color:var(--ink-2);font-weight:500}

/* Two-column: sticky contents rail + document */
.pg-layout{display:grid;grid-template-columns:1fr;gap:40px;align-items:start}
@media(min-width:1000px){
  .pg-layout{grid-template-columns:minmax(0,1fr) 232px;gap:56px}
  .pg-toc{order:2;position:sticky;top:88px}
  .pg-doc{order:1}
}

.pg-toc{border-left:1px solid var(--line);padding-left:20px}
.pg-toc h2{font-family:var(--mono);font-size:10px;letter-spacing:0.12em;text-transform:uppercase;
  color:var(--ink-3);font-weight:400;margin-bottom:14px}
.pg-toc ul{list-style:none;display:flex;flex-direction:column;gap:9px}
.pg-toc a{font-size:12.5px;line-height:1.45;color:var(--ink-3);transition:color .3s}
.pg-toc a:hover{color:var(--warm)}
@media(max-width:999px){
  .pg-toc{border-left:0;border-top:1px solid var(--line);border-bottom:1px solid var(--line);
    padding:22px 0;margin-bottom:6px}
  .pg-toc ul{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:10px 20px}
}

/* =====================================================
   LONG-FORM PROSE
   ===================================================== */
.pg-doc{max-width:var(--doc);min-width:0}
.pg-doc h2{font-family:var(--display);font-weight:400;font-size:clamp(21px,2.6vw,27px);
  line-height:1.24;letter-spacing:-0.01em;margin:46px 0 14px;scroll-margin-top:96px}
.pg-doc h2:first-child{margin-top:0}
.pg-doc h2 em{color:var(--warm)}
.pg-doc h3{font-family:var(--sans);font-weight:600;font-size:16px;letter-spacing:-0.005em;
  margin:30px 0 10px;color:var(--ink)}
.pg-doc h4{font-family:var(--mono);font-size:11px;letter-spacing:0.1em;text-transform:uppercase;
  color:var(--warm);margin:26px 0 10px}
.pg-doc p{color:var(--ink-2);font-size:15px;line-height:1.78;margin-bottom:14px;max-width:72ch}
.pg-doc p b,.pg-doc li b{color:var(--ink);font-weight:600}
.pg-doc a:not(.pg-btn){color:var(--warm);text-decoration:underline;
  text-underline-offset:3px;text-decoration-thickness:1px;
  text-decoration-color:oklch(0.72 0.155 65 / 0.45);transition:text-decoration-color .3s}
.pg-doc a:not(.pg-btn):hover{text-decoration-color:var(--warm)}
.pg-doc ul,.pg-doc ol{margin:0 0 16px 0;padding-left:0;list-style:none;max-width:72ch}
.pg-doc ol{counter-reset:pgo}
.pg-doc li{position:relative;padding-left:22px;color:var(--ink-2);font-size:15px;
  line-height:1.7;margin-bottom:9px}
.pg-doc ul>li::before{content:"—";position:absolute;left:0;color:var(--warm);opacity:.85}
.pg-doc ol>li{counter-increment:pgo;padding-left:30px}
.pg-doc ol>li::before{content:counter(pgo)".";position:absolute;left:0;
  font-family:var(--mono);font-size:12px;color:var(--warm);opacity:.85;top:2px}
.pg-doc li ul{margin:9px 0 0}

.pg-doc dl{margin:0 0 18px;max-width:72ch}
.pg-doc dt{font-weight:600;color:var(--ink);font-size:14.5px;margin-top:14px}
.pg-doc dd{color:var(--ink-2);font-size:14.5px;line-height:1.7;margin:4px 0 0}

.pg-doc hr{border:0;border-top:1px solid var(--line);margin:38px 0}

/* Callouts */
.note{background:var(--surface);border:1px solid var(--line);border-left:2px solid var(--warm);
  border-radius:0 12px 12px 0;padding:18px 20px;margin:22px 0;max-width:72ch}
.note p{margin-bottom:0;font-size:14px;color:var(--ink-2)}
.note p+p{margin-top:10px}
.note-title{font-family:var(--mono);font-size:10.5px;letter-spacing:0.1em;text-transform:uppercase;
  color:var(--warm);margin-bottom:8px;display:block}
.note.petrol{border-left-color:var(--petrol)}
.note.petrol .note-title{color:var(--petrol)}

/* Draft banner — delete the element to publish as final */
.draft-banner{display:flex;flex-wrap:wrap;align-items:center;gap:10px 14px;
  background:oklch(0.70 0.18 28 / 0.10);border:1px solid oklch(0.70 0.18 28 / 0.38);
  border-radius:12px;padding:13px 18px;margin:0 0 30px}
.draft-banner .tag{font-family:var(--mono);font-size:10px;letter-spacing:0.12em;
  text-transform:uppercase;color:var(--bad);border:1px solid oklch(0.70 0.18 28 / 0.45);
  border-radius:100px;padding:4px 10px;flex:none}
.draft-banner p{font-size:13px;color:var(--ink-2);line-height:1.6;margin:0;max-width:none}

/* Data tables (privacy: legal bases, retention) */
.tbl-wrap{overflow-x:auto;margin:18px 0 22px;border:1px solid var(--line);border-radius:12px;
  background:var(--surface);-webkit-overflow-scrolling:touch}
table{border-collapse:collapse;width:100%;min-width:560px;font-size:13.5px}
caption{text-align:left;font-family:var(--mono);font-size:10.5px;letter-spacing:0.1em;
  text-transform:uppercase;color:var(--ink-3);padding:14px 18px 0}
th,td{text-align:left;padding:12px 18px;border-bottom:1px solid var(--line);
  color:var(--ink-2);line-height:1.6;vertical-align:top}
th{font-family:var(--mono);font-size:10.5px;letter-spacing:0.08em;text-transform:uppercase;
  color:var(--ink-3);font-weight:400;background:oklch(1 0 0 / 0.02)}
tbody tr:last-child td{border-bottom:0}

/* Cards — used by method + about */
.pg-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));
  gap:18px;margin:24px 0 28px;max-width:none}
.pg-card{background:linear-gradient(165deg,var(--surface),var(--bg-2));
  border:1px solid var(--line);border-radius:16px;padding:22px;
  box-shadow:0 1px 0 oklch(1 0 0 / 0.03) inset,0 20px 50px -36px #000}
.pg-card .step{font-family:var(--mono);font-size:10.5px;letter-spacing:0.1em;
  text-transform:uppercase;color:var(--warm);margin-bottom:10px}
.pg-card h3{font-family:var(--display);font-weight:400;font-size:19px;margin:0 0 8px;color:var(--ink)}
.pg-card p{font-size:14px;line-height:1.65;margin-bottom:0;color:var(--ink-3)}

/* Back link + footer of the document */
.pg-back{display:inline-flex;align-items:center;gap:8px;margin:44px 0 0;
  font-family:var(--mono);font-size:11.5px;letter-spacing:0.06em;text-transform:uppercase;
  color:var(--ink-3);transition:color .3s}
.pg-back:hover{color:var(--warm)}
.pg-doc .pg-back{text-decoration:none}

.pg-crosslinks{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px;
  padding-top:26px;border-top:1px solid var(--line)}
.pg-crosslinks a{font-family:var(--mono);font-size:11px;letter-spacing:0.05em;
  text-transform:uppercase;color:var(--ink-3);border:1px solid var(--line-2);
  border-radius:100px;padding:8px 15px;transition:border-color .3s,color .3s,background .3s;
  text-decoration:none}
.pg-crosslinks a:hover{border-color:var(--warm);color:var(--warm);background:var(--warm-soft)}

/* =====================================================
   FOOTER (shared with index.html — .foot-x)
   ===================================================== */
.foot-x{border-top:1px solid var(--line);margin-top:64px;background:var(--bg-2)}
.foot-x-grid{max-width:var(--shell);margin:0 auto;padding:56px 32px 40px;
  display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:40px}
.foot-x-brand .fxb-mark{font-family:var(--display);font-size:19px;margin-bottom:14px}
.foot-x-brand .fxb-mark em{font-style:italic;color:var(--warm);font-size:0.82em}
.foot-x-brand p{font-size:13px;color:var(--ink-3);line-height:1.65;max-width:34ch}
.foot-x-col h2,.foot-x-col h4{font-family:var(--mono);font-size:10.5px;letter-spacing:0.1em;
  text-transform:uppercase;color:var(--ink-3);margin-bottom:16px;font-weight:400}
.foot-x-col ul{list-style:none;display:flex;flex-direction:column;gap:11px}
.foot-x-col ul li a{font-size:13px;color:var(--ink-2);transition:color .3s;display:block}
.foot-x-col ul li a:hover{color:var(--warm)}
.foot-x-bottom{max-width:var(--shell);margin:0 auto;padding:22px 32px;
  border-top:1px solid var(--line);display:flex;flex-wrap:wrap;gap:12px 24px;
  align-items:center;justify-content:space-between;
  font-size:11.5px;color:var(--ink-3)}
.fxb-legal{display:flex;flex-wrap:wrap;gap:14px;align-items:center}
.fxb-legal a{color:var(--ink-3);transition:color .3s}
.fxb-legal a:hover{color:var(--warm)}

@media(max-width:1000px){
  .foot-x-grid{grid-template-columns:repeat(3,1fr)}
  .foot-x-brand{grid-column:1/-1}
}
@media(max-width:700px){
  .pg-main{padding-left:20px;padding-right:20px}
  .foot-x-grid{grid-template-columns:repeat(2,1fr);gap:30px;padding:44px 20px 34px}
  .foot-x-bottom{padding:20px}
  body{font-size:14.5px}
  .pg-doc p,.pg-doc li{font-size:14.5px}
}
@media(max-width:420px){
  .foot-x-grid{grid-template-columns:1fr}
}

@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{transition-duration:.01ms!important;animation-duration:.01ms!important}
}

/* Print — legal pages get printed / archived */
@media print{
  body{background:#fff;color:#111}
  body::before,.pg-nav,.pg-toc,.foot-x,.skip-link,.pg-crosslinks{display:none!important}
  .pg-doc,.pg-main{max-width:none;padding:0}
  .pg-doc p,.pg-doc li,h1,.pg-doc h2,.pg-doc h3{color:#111}
  .draft-banner{border:1px solid #b00;color:#b00}
  a{text-decoration:underline}
}