/* =====================================================================
   SOLAR HARBOUR – guides (guides.php and guide-*.php). Navy #18457b + gold #f8bc2d.
   Everything is scoped to .sh-gd so it can't affect other pages.
   ===================================================================== */
.sh-gd {
  --gd-navy: #18457b; --gd-navy-dk: #0e2c52; --gd-gold: #f8bc2d; --gd-gold-lt: #fff6dc;
  --gd-ink: #18457b; --gd-text: #2c4566; --gd-muted: #5b7396; --gd-tint: #eef2f8; --gd-line: #dde4ee;
  --gd-radius: 18px;
  --gd-head: var(--font-primary, "Exo"), system-ui, sans-serif;
  font-family: var(--font-secondary, "Albert Sans"), system-ui, -apple-system, "Segoe UI", sans-serif;
  font-size: 16px; font-weight: 400; text-align: left;
  color: var(--gd-ink); line-height: 1.65; overflow-x: clip;
}
/* Resets. ".sh-gd :where(...)" counts as one class: enough to beat the theme and Bootstrap
   (which indent lists and add margins to p, h1-h6, ul and address), but no more than the
   component classes below, which come later in this file and therefore win. */
.sh-gd, .sh-gd *, .sh-gd *::before, .sh-gd *::after { box-sizing: border-box; }
.sh-gd :where(h1, h2, h3, h4, p, ul, ol, li, table, figure, address, blockquote, dl, dd) { margin: 0; }
.sh-gd :where(ul, ol) { padding: 0; list-style: none; }
.sh-gd :where(a) { color: inherit; }
.sh-gd :where(summary) { display: block; }
/* the theme sizes and colours every heading, paragraph and list item (and its root font size is 10px),
   so these take the page's own sizes and colours instead */
.sh-gd :where(h1, h2, h3, h4) { font-family: var(--gd-head); font-weight: 800; line-height: 1.25; color: inherit; word-break: normal; }
.sh-gd :where(p, li) { font-size: inherit; line-height: inherit; color: inherit; font-weight: inherit; }
.sh-gd :where(table) { border-collapse: collapse; }
/* the theme makes every button, input and select full width with a grey border (its "forms" section);
   inside this section, buttons and selects size to their content and take their look from the classes below */
.sh-gd :where(button) { width: auto; max-width: none; height: auto; min-height: 0; margin: 0; padding: 0; border: 0; border-radius: 0; background: none; box-shadow: none; color: inherit; font: inherit; line-height: 1.2; letter-spacing: normal; text-transform: none; cursor: pointer; transition: none; }
.sh-gd :where(select, input, textarea) { width: auto; max-width: 100%; }
.sh-gd__wrap { width: 100%; max-width: 1240px; margin: 0 auto; padding: 0 24px; }
@media (max-width: 575px) { .sh-gd__wrap { padding: 0 16px; } }

.sh-gd__btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 52px; padding: 0 24px; border-radius: 8px; border: 2px solid transparent; font-family: var(--gd-head); font-weight: 700; font-size: 16.5px; line-height: 1.2; text-decoration: none; white-space: nowrap; transition: transform .2s ease, background-color .2s ease; }
.sh-gd__btn:hover { transform: translateY(-2px); text-decoration: none; }
.sh-gd__btn--gold { background: var(--gd-gold); color: var(--gd-navy); box-shadow: 0 10px 24px -12px rgba(248,188,45,.8); }
.sh-gd__btn--gold:hover { background: #ffc93f; color: var(--gd-navy); }
.sh-gd a:focus-visible, .sh-gd summary:focus-visible { outline: 3px solid var(--gd-gold); outline-offset: 3px; }

/* reading progress */
.sh-gd__progress { position: fixed; left: 0; right: 0; top: 0; height: 4px; z-index: 1000; pointer-events: none; }
.sh-gd__progress span { display: block; height: 100%; background: var(--gd-gold); transform: scaleX(0); transform-origin: 0 50%; }

/* ---------- banner ---------- */
.sh-gd__banner { position: relative; overflow: hidden; color: #fff; padding: clamp(44px, 6vw, 80px) 0 clamp(48px, 7vw, 88px);
  background: radial-gradient(120% 90% at 85% 10%, #22578f 0%, var(--gd-navy) 45%, var(--gd-navy-dk) 100%); }
.sh-gd__banner::before { content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 32px 32px; -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 60%); mask-image: linear-gradient(90deg, transparent 0%, #000 60%); }
.sh-gd__sun { position: absolute; right: -90px; top: -110px; width: 320px; height: 320px; border-radius: 50%; pointer-events: none;
  background: radial-gradient(circle, rgba(248,188,45,.5) 0%, rgba(248,188,45,.16) 40%, rgba(248,188,45,0) 70%); }
.sh-gd__banner-grid { position: relative; display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr); gap: clamp(28px, 5vw, 64px); align-items: center; }
.sh-gd__banner--hub .sh-gd__wrap { position: relative; }
.sh-gd__crumbs { display: flex; flex-wrap: wrap; gap: 8px; font-size: 14px; color: rgba(255,255,255,.75); margin-bottom: 18px; }
.sh-gd__crumbs li + li::before { content: "/"; margin-right: 6px; color: rgba(255,255,255,.45); }
.sh-gd__crumbs a { color: #fff; font-weight: 700; text-decoration: none; }
.sh-gd__crumbs a:hover { color: var(--gd-gold); }
.sh-gd__kicker { font-size: 13.5px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--gd-gold); margin-bottom: 10px; }
.sh-gd__title { font-family: var(--gd-head); font-size: clamp(34px, 4.4vw, 54px); line-height: 1.06; font-weight: 800; letter-spacing: -.025em; color: #fff; max-width: 22ch; text-wrap: balance; }
.sh-gd--hub .sh-gd__title { font-size: clamp(38px, 5.2vw, 64px); line-height: 1.04; }
.sh-gd__rule { display: block; width: 64px; height: 4px; border-radius: 2px; background: var(--gd-gold); margin: 22px 0 0; }
.sh-gd__lead { margin-top: 20px; font-size: 18.5px; line-height: 1.6; color: rgba(255,255,255,.9); max-width: 54ch; }
@media (max-width: 767px) { .sh-gd__lead { font-size: 17px; } }
/* the guides page banner: same height as the other banners on the site */
@media (min-width: 992px) { .sh-gd--hub .sh-gd__banner { display: flex; align-items: center; min-height: 606px; padding: 40px 0 52px; } }
.sh-gd__meta { display: flex; flex-wrap: wrap; gap: 6px 18px; margin-top: 20px; font-size: 14.5px; color: rgba(255,255,255,.72); }
.sh-gd__meta span + span::before { content: ""; display: inline-block; width: 5px; height: 5px; border-radius: 50%; background: var(--gd-gold); margin-right: 18px; vertical-align: middle; }

.sh-gd__facts { position: relative; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.18); border-radius: var(--gd-radius); padding: 22px 24px; backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); }
.sh-gd__facts-title { font-weight: 800; color: #fff; margin-bottom: 6px; }
.sh-gd__facts li { padding: 12px 0; border-top: 1px solid rgba(255,255,255,.14); }
.sh-gd__facts b { display: block; font-size: 23px; line-height: 1.2; color: var(--gd-gold); font-weight: 800; }
.sh-gd__facts li span { display: block; color: rgba(255,255,255,.85); font-size: 15px; line-height: 1.4; }
.sh-gd__facts-note { margin-top: 10px; font-size: 13px; color: rgba(255,255,255,.62); }

/* ---------- body ---------- */
.sh-gd__body { background: #fff; padding: clamp(40px, 6vw, 72px) 0 clamp(48px, 7vw, 88px); }
.sh-gd__layout { display: grid; grid-template-columns: 250px minmax(0, 1fr); gap: clamp(28px, 4vw, 64px); align-items: start; }
.sh-gd__toc { position: sticky; top: 110px; padding: 20px; border-radius: 14px; background: var(--gd-tint); border: 1px solid var(--gd-line); }
.sh-gd__toc-title { font-size: 13px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; color: var(--gd-muted); margin-bottom: 8px; }
.sh-gd__toc li a { display: block; padding: 7px 0 7px 12px; border-left: 3px solid transparent; color: var(--gd-text); text-decoration: none; font-size: 15px; line-height: 1.35; }
.sh-gd__toc li a:hover { color: var(--gd-navy); border-left-color: var(--gd-line); }
.sh-gd__toc li a[aria-current] { color: var(--gd-navy); font-weight: 800; border-left-color: var(--gd-gold); }
.sh-gd__toc-cta { margin-top: 16px; width: 100%; }

.sh-gd__doc { max-width: 780px; color: var(--gd-text); font-size: 17px; }
.sh-gd__sec { scroll-margin-top: 110px; padding-bottom: 36px; margin-bottom: 36px; border-bottom: 1px solid var(--gd-line); }
.sh-gd__sec:last-of-type { border-bottom: 0; }
.sh-gd__sec > h2 { font-size: clamp(22.5px, 2.6vw, 29.5px); line-height: 1.25; font-weight: 800; color: var(--gd-navy); margin-bottom: 14px; }
.sh-gd__sec h3 { font-size: 18.5px; font-weight: 800; color: var(--gd-navy); margin: 26px 0 8px; }
.sh-gd__sec p + p, .sh-gd__sec p + .sh-gd__list, .sh-gd__sec .sh-gd__list + p, .sh-gd__sec .sh-gd__table-wrap + p, .sh-gd__sec p + .sh-gd__table-wrap, .sh-gd__sec p + .sh-gd__callout, .sh-gd__sec .sh-gd__callout + p, .sh-gd__sec p + .sh-gd__formula, .sh-gd__sec .sh-gd__formula + p, .sh-gd__sec .sh-gd__split + p, .sh-gd__sec .sh-gd__steps + .sh-gd__cta, .sh-gd__sec .sh-gd__list + .sh-gd__cta, .sh-gd__sec p + .sh-gd__split { margin-top: 14px; }
.sh-gd__doc a { color: var(--gd-navy); font-weight: 700; text-decoration: underline; text-decoration-color: var(--gd-gold); text-decoration-thickness: 2px; text-underline-offset: 3px; }
.sh-gd__doc a:hover { text-decoration-color: var(--gd-navy); }
.sh-gd__doc strong, .sh-gd__doc b { color: var(--gd-navy); }
.sh-gd__lede { font-size: 18.5px; color: var(--gd-ink); font-weight: 500; }
.sh-gd__small { font-size: 14px; color: var(--gd-muted); }

.sh-gd__list li { position: relative; padding-left: 26px; margin-top: 10px; }
.sh-gd__list li::before { content: ""; position: absolute; left: 4px; top: .62em; width: 9px; height: 9px; border-radius: 50%; background: var(--gd-gold); }
.sh-gd__list--yes li::before, .sh-gd__list--no li::before { width: 18px; height: 18px; left: 0; top: .28em; background-position: center; background-repeat: no-repeat; background-size: 12px; }
.sh-gd__list--yes li::before { background-color: #e3f5ea; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5' fill='none' stroke='%2317643a' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); }
.sh-gd__list--no li::before { background-color: #f1f3f7; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M7 7l10 10M17 7L7 17' fill='none' stroke='%235b6476' stroke-width='3.2' stroke-linecap='round'/%3E%3C/svg%3E"); }
.sh-gd__list--yes li, .sh-gd__list--no li { padding-left: 30px; }

.sh-gd__steps { counter-reset: gd; }
.sh-gd__steps li { position: relative; counter-increment: gd; padding: 14px 0 14px 52px; border-top: 1px solid var(--gd-line); }
.sh-gd__steps li:first-child { border-top: 0; }
.sh-gd__steps li::before { content: counter(gd); position: absolute; left: 0; top: 12px; width: 36px; height: 36px; border-radius: 50%; display: grid; place-items: center; background: var(--gd-gold); color: var(--gd-navy); font-weight: 900; }
.sh-gd__steps b { display: block; font-size: 17px; }

.sh-gd__callout { padding: 16px 20px; border-radius: 12px; background: var(--gd-gold-lt); border-left: 5px solid var(--gd-gold); color: var(--gd-ink); }
.sh-gd__formula { padding: 16px 20px; border-radius: 12px; background: var(--gd-navy); color: #fff; font-weight: 600; line-height: 1.8; }
.sh-gd__formula span { display: inline-block; padding: 1px 10px; margin: 2px 0; border-radius: 999px; background: rgba(255,255,255,.12); }
.sh-gd__formula b { color: var(--gd-gold); white-space: nowrap; }

.sh-gd__table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--gd-line); border-radius: 12px; }
.sh-gd__table { width: 100%; border-collapse: collapse; font-size: 15.5px; min-width: 520px; }
.sh-gd__table caption { caption-side: top; text-align: left; padding: 12px 16px; font-weight: 800; color: var(--gd-navy); background: var(--gd-tint); border-bottom: 1px solid var(--gd-line); }
.sh-gd__table th, .sh-gd__table td { padding: 11px 16px; text-align: left; border-bottom: 1px solid var(--gd-line); vertical-align: top; }
.sh-gd__table thead th { font-size: 13px; letter-spacing: .04em; text-transform: uppercase; color: var(--gd-muted); font-weight: 800; background: #fff; }
.sh-gd__table tbody tr:last-child td { border-bottom: 0; }
.sh-gd__table--num td:not(:first-child) { white-space: nowrap; }
.sh-gd__table tr.is-hl td { background: var(--gd-gold-lt); font-weight: 700; color: var(--gd-ink); }

.sh-gd__split { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.sh-gd__split > div { padding: 18px 20px; border-radius: 14px; border: 1px solid var(--gd-line); }
.sh-gd__split-yes { background: #f6fbf8; }
.sh-gd__split-no { background: #f8f9fb; }
.sh-gd__split h3 { margin-top: 0 !important; }

.sh-gd__cta { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 16px 24px; margin-top: 24px; padding: 22px 24px; border-radius: var(--gd-radius); background: var(--gd-navy); color: #fff; }
.sh-gd__cta b { display: block; color: #fff !important; font-size: 18.5px; }
.sh-gd__cta span { display: block; color: rgba(255,255,255,.82); font-size: 15.5px; }
.sh-gd__doc .sh-gd__cta a.sh-gd__btn { color: var(--gd-navy); text-decoration: none; }

.sh-gd__qa { border-bottom: 1px solid var(--gd-line); }
.sh-gd__qa:first-of-type { border-top: 1px solid var(--gd-line); }
.sh-gd__qa summary { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 16px 0; cursor: pointer; list-style: none; }
.sh-gd__qa summary::-webkit-details-marker { display: none; }
.sh-gd__qa summary h3 { margin: 0 !important; font-size: 17px; }
.sh-gd__qa-ico { flex: none; position: relative; width: 30px; height: 30px; border-radius: 50%; background: var(--gd-gold-lt); }
.sh-gd__qa-ico::before, .sh-gd__qa-ico::after { content: ""; position: absolute; left: 50%; top: 50%; width: 12px; height: 2.5px; margin: -1.25px 0 0 -6px; border-radius: 2px; background: var(--gd-navy); }
.sh-gd__qa-ico::after { transform: rotate(90deg); transition: transform .25s ease; }
.sh-gd__qa[open] .sh-gd__qa-ico { background: var(--gd-gold); }
.sh-gd__qa[open] .sh-gd__qa-ico::after { transform: rotate(0); }
.sh-gd__qa-a { padding-bottom: 18px; color: var(--gd-text); }
.sh-gd__disclaimer { margin-top: 28px; padding-top: 18px; border-top: 1px dashed var(--gd-line); font-size: 14px; color: var(--gd-muted); }

/* ---------- more guides / hub ---------- */
.sh-gd__more { background: var(--gd-tint); padding: clamp(48px, 7vw, 88px) 0; }
.sh-gd__h2 { font-size: clamp(24px, 3vw, 33.5px); font-weight: 800; color: var(--gd-navy); margin-bottom: 24px; }
.sh-gd__cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 16px; }
.sh-gd__card { position: relative; display: flex; flex-direction: column; gap: 8px; height: 100%; padding: 22px; border-radius: 16px; background: #fff; border: 1px solid var(--gd-line); border-top: 5px solid var(--gd-gold); text-decoration: none; transition: transform .2s ease, box-shadow .2s ease; }
.sh-gd__card:hover { transform: translateY(-3px); box-shadow: 0 18px 34px -22px rgba(24,69,123,.55); text-decoration: none; }
.sh-gd__card--page { border-top-color: var(--gd-navy); }
.sh-gd__card-tag { align-self: flex-start; padding: 3px 10px; border-radius: 999px; background: var(--gd-gold-lt); color: #7a5600; font-size: 12px; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; }
.sh-gd__card--page .sh-gd__card-tag { background: var(--gd-tint); color: var(--gd-navy); }
.sh-gd__card b { font-size: 18px; line-height: 1.3; color: var(--gd-navy); }
.sh-gd__card > span:not(.sh-gd__card-tag) { color: var(--gd-muted); font-size: 15.5px; line-height: 1.5; }
.sh-gd__card-go { margin-top: auto; padding-top: 6px; font-style: normal; font-weight: 800; color: var(--gd-navy); }
.sh-gd__card-go::after { content: " \2192"; }
.sh-gd__more--hub { background: #fff; }
.sh-gd__hub-links { margin-top: 28px; color: var(--gd-muted); }
.sh-gd__hub-links a { color: var(--gd-navy); font-weight: 700; text-decoration: underline; text-decoration-color: var(--gd-gold); text-decoration-thickness: 2px; text-underline-offset: 3px; }

/* ---------- responsive ---------- */
@media (max-width: 991px) {
  .sh-gd__banner-grid, .sh-gd__layout { grid-template-columns: 1fr; }
  .sh-gd__toc { position: static; }
  .sh-gd__toc-cta { display: none; }
}
@media (max-width: 640px) {
  .sh-gd__split { grid-template-columns: 1fr; }
  .sh-gd__cta .sh-gd__btn { width: 100%; }
}
@media (prefers-reduced-motion: reduce) {
  .sh-gd *, .sh-gd *::before, .sh-gd *::after { animation: none !important; transition: none !important; }
}
@media print {
  .sh-gd__progress, .sh-gd__toc, .sh-gd__more, .sh-gd__cta { display: none !important; }
  .sh-gd__layout { grid-template-columns: 1fr; }
}

/* =====================================================================
   GUIDES PAGE (guides.php) – .sh-gd--hub
   ===================================================================== */
.sh-gd__hub-ico { display: inline-grid; place-items: center; width: 22px; height: 22px; flex: none; }
.sh-gd__hub-ico svg { width: 100%; height: 100%; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.sh-gd__hub-ico--lg { width: 44px; height: 44px; border-radius: 12px; background: var(--gd-gold-lt); color: var(--gd-navy); padding: 10px; }

/* banner */
.sh-gd--hub .sh-gd__banner-grid { grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr); }
.sh-gd__hub-topics { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 26px; }
.sh-gd__hub-topics a { display: inline-flex; align-items: center; gap: 8px; padding: 9px 16px; border-radius: 999px; border: 1px solid rgba(255,255,255,.3); background: rgba(255,255,255,.06); color: #fff; font-weight: 700; text-decoration: none; transition: background-color .2s ease, border-color .2s ease, color .2s ease; }
.sh-gd__hub-topics a:hover { background: var(--gd-gold); border-color: var(--gd-gold); color: var(--gd-navy); text-decoration: none; }
.sh-gd__hub-topics .sh-gd__hub-ico { width: 18px; height: 18px; color: var(--gd-gold); }
.sh-gd__hub-topics a:hover .sh-gd__hub-ico { color: var(--gd-navy); }
.sh-gd__hub-art svg { display: block; width: 100%; max-width: 460px; height: auto; margin-left: auto; }
.sh-gd__ha-front { animation: sh-gd-float 6s ease-in-out infinite; }
.sh-gd__ha-page--2 { animation: sh-gd-float 6s ease-in-out -1s infinite; }
.sh-gd__ha-page--3 { animation: sh-gd-float 6s ease-in-out -2s infinite; }
@keyframes sh-gd-float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-6px); } }
.sh-gd__ha-bar { transform-box: fill-box; transform-origin: 50% 100%; animation: sh-gd-bar 1s cubic-bezier(.2,.8,.2,1) both; animation-delay: calc(.35s + var(--i) * .12s); }
@keyframes sh-gd-bar { from { transform: scaleY(0); } }
.sh-gd__ha-line { stroke-dasharray: 100; animation: sh-gd-draw 1.2s ease-out 1.1s both; }
@keyframes sh-gd-draw { from { stroke-dashoffset: 100; } to { stroke-dashoffset: 0; } }
.sh-gd__ha-sun g { transform-box: view-box; transform-origin: 330px 70px; animation: sh-gd-spin 24s linear infinite; }
@keyframes sh-gd-spin { to { transform: rotate(360deg); } }
.sh-gd__ha-tag { animation: sh-gd-pop .6s cubic-bezier(.2,1.4,.4,1) 1.6s both; }
.sh-gd__ha-ok { animation: sh-gd-pop .6s cubic-bezier(.2,1.4,.4,1) 2s both; }
@keyframes sh-gd-pop { from { opacity: 0; } }

/* featured guide */
.sh-gd__hub-feat-sec { background: #fff; padding: clamp(36px, 5vw, 64px) 0 0; }
.sh-gd__hub-feat { position: relative; display: grid; grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr); gap: 24px 40px; align-items: center; padding: clamp(24px, 3.5vw, 40px); border-radius: 22px; overflow: hidden;
  background: linear-gradient(120deg, var(--gd-navy) 0%, #1f5591 60%, var(--gd-navy-dk) 100%); color: #fff; text-decoration: none; box-shadow: 0 30px 60px -36px rgba(14,44,82,.8); transition: transform .25s ease, box-shadow .25s ease; }
.sh-gd__hub-feat::after { content: ""; position: absolute; right: -80px; bottom: -120px; width: 320px; height: 320px; border-radius: 50%; background: radial-gradient(circle, rgba(248,188,45,.35), rgba(248,188,45,0) 70%); pointer-events: none; }
.sh-gd__hub-feat:hover { transform: translateY(-3px); box-shadow: 0 36px 70px -36px rgba(14,44,82,.9); color: #fff; text-decoration: none; }
.sh-gd__hub-flag { display: inline-flex; align-items: center; gap: 8px; padding: 5px 12px; border-radius: 999px; background: var(--gd-gold); color: var(--gd-navy); font-size: 13px; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; }
.sh-gd__hub-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--gd-navy); animation: sh-gd-blink 1.6s ease-in-out infinite; }
@keyframes sh-gd-blink { 50% { opacity: .25; } }
.sh-gd__hub-feat h2 { margin-top: 14px; font-size: clamp(24px, 3vw, 34.5px); line-height: 1.2; font-weight: 800; color: #fff; }
.sh-gd__hub-feat p { margin-top: 10px; color: rgba(255,255,255,.85); font-size: 17px; max-width: 58ch; }
.sh-gd__hub-meta { display: block; margin-top: 14px; font-size: 14.5px; color: rgba(255,255,255,.65); }
.sh-gd__hub-go { display: inline-flex; align-items: center; gap: 6px; font-weight: 800; }
.sh-gd__hub-go::after { content: "\2192"; transition: transform .2s ease; }
.sh-gd__hub-feat .sh-gd__hub-go { margin-top: 20px; min-height: 52px; padding: 0 24px; border-radius: 8px; font-family: var(--gd-head); font-weight: 700; font-size: 16.5px; background: var(--gd-gold); color: var(--gd-navy); }
.sh-gd__hub-feat:hover .sh-gd__hub-go::after, .sh-gd__hub-card:hover .sh-gd__hub-go::after { transform: translateX(4px); }
.sh-gd__hub-feat-side { position: relative; z-index: 1; display: grid; gap: 12px; }
.sh-gd__hub-count, .sh-gd__hub-figure { display: flex; align-items: center; gap: 16px; padding: 16px 18px; border-radius: 16px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.18); }
.sh-gd__hub-count b { flex: none; display: grid; place-items: center; min-width: 74px; height: 74px; padding: 0 10px; border-radius: 16px; background: #fff; color: var(--gd-navy); font-size: 32px; font-weight: 900; line-height: 1; }
.sh-gd__hub-count span, .sh-gd__hub-figure span { color: rgba(255,255,255,.88); font-size: 15px; line-height: 1.4; }
.sh-gd__hub-figure { flex-direction: column; align-items: flex-start; gap: 2px; }
.sh-gd__hub-figure b { color: var(--gd-gold); font-size: 25.5px; font-weight: 800; line-height: 1.2; }

/* all guides */
.sh-gd__more--hub { background: #fff; }
.sh-gd__hub-head { display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between; gap: 14px 24px; margin-bottom: 24px; }
.sh-gd__hub-head .sh-gd__h2 { margin-bottom: 0; }
.sh-gd__hub-sub { margin-top: 8px; color: var(--gd-muted); max-width: 60ch; }
.sh-gd__hub-head > div:only-child, .sh-gd__hub-head > .sh-gd__h2 + .sh-gd__hub-sub { flex-basis: 100%; }
.sh-gd__hub-filter { display: flex; flex-wrap: wrap; gap: 8px; }
.sh-gd__hub-chip { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; border: 1px solid var(--gd-line); background: #fff; color: var(--gd-navy); font: inherit; font-weight: 700; font-size: 15px; cursor: pointer; transition: background-color .2s ease, border-color .2s ease; }
.sh-gd__hub-chip span { display: inline-grid; place-items: center; min-width: 22px; height: 22px; padding: 0 6px; border-radius: 999px; background: var(--gd-tint); font-size: 12.5px; }
.sh-gd__hub-chip:focus, .sh-gd__hub-chip:active { border-color: var(--gd-line); }
.sh-gd__hub-chip:hover { border-color: var(--gd-gold); }
.sh-gd__hub-chip[aria-pressed="true"] { background: var(--gd-navy); border-color: var(--gd-navy); color: #fff; }
.sh-gd__hub-chip[aria-pressed="true"] span { background: var(--gd-gold); color: var(--gd-navy); }
.sh-gd__hub-chip:focus-visible { outline: 3px solid var(--gd-gold); outline-offset: 2px; }
.sh-gd__hub-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 18px; }
.sh-gd__hub-grid > li[hidden] { display: none; }
.sh-gd__hub-card { display: flex; flex-direction: column; height: 100%; padding: 24px; border-radius: 18px; background: #fff; border: 1px solid var(--gd-line); color: var(--gd-navy); text-decoration: none; transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease; }
.sh-gd__hub-card:hover { transform: translateY(-4px); border-color: var(--gd-gold); box-shadow: 0 22px 40px -26px rgba(24,69,123,.6); color: var(--gd-navy); text-decoration: none; }
.sh-gd__hub-card-top { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.sh-gd__hub-card-title { margin-top: 16px; font-size: 19.5px; line-height: 1.3; font-weight: 800; }
.sh-gd__hub-card-desc { margin-top: 8px; color: var(--gd-muted); font-size: 15.5px; line-height: 1.55; }
.sh-gd__hub-card-fig { margin-top: 18px; padding: 12px 14px; border-radius: 12px; background: var(--gd-tint); border-left: 4px solid var(--gd-gold); }
.sh-gd__hub-card-fig b { display: block; font-size: 19px; font-weight: 800; color: var(--gd-navy); }
.sh-gd__hub-card-fig span { display: block; font-size: 14px; color: var(--gd-muted); }
.sh-gd__hub-card-foot { display: flex; align-items: center; justify-content: space-between; margin-top: auto; padding-top: 18px; font-size: 14.5px; color: var(--gd-muted); }
.sh-gd__hub-card-foot .sh-gd__hub-go { color: var(--gd-navy); }
.sh-gd__hub-empty { margin-top: 18px; color: var(--gd-muted); }
.sh-gd__hub-empty button { border: 0; background: none; padding: 0; font: inherit; font-weight: 800; color: var(--gd-navy); text-decoration: underline; text-decoration-color: var(--gd-gold); cursor: pointer; }

/* quick answers: question cards with small charts */
.sh-gd__hub-quick { position: relative; background: var(--gd-tint); padding: clamp(52px, 7vw, 96px) 0; overflow: hidden; }
.sh-gd__hub-quick::before { content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .6;
  background-image: radial-gradient(rgba(24,69,123,.09) 1.2px, transparent 1.2px); background-size: 22px 22px;
  -webkit-mask-image: linear-gradient(180deg, #000, transparent 70%); mask-image: linear-gradient(180deg, #000, transparent 70%); }
.sh-gd__hub-quick .sh-gd__wrap { position: relative; }
.sh-gd__hub-quick-head { display: flex; flex-wrap: wrap; align-items: flex-end; justify-content: space-between; gap: 16px 24px; margin-bottom: 28px; }
.sh-gd__hub-quick-head .sh-gd__h2 { margin-bottom: 0; }
.sh-gd__hub-eyebrow { display: inline-block; margin-bottom: 10px; padding: 4px 12px; border-radius: 999px; background: var(--gd-navy); color: var(--gd-gold); font-size: 12.5px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.sh-gd__hub-checked { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; background: #fff; border: 1px solid var(--gd-line); color: var(--gd-navy); font-size: 14.5px; font-weight: 700; white-space: nowrap; }
.sh-gd__hub-checked svg { width: 18px; height: 18px; fill: none; stroke: #17643a; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }

.sh-gd__hub-qa { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.sh-gd__hub-q { display: flex; flex-direction: column; padding: 24px 26px; border-radius: 20px; background: #fff; border: 1px solid var(--gd-line); box-shadow: 0 18px 40px -34px rgba(24,69,123,.6); transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease; }
.sh-gd__hub-q:hover { transform: translateY(-3px); border-color: var(--gd-gold); box-shadow: 0 24px 46px -30px rgba(24,69,123,.6); }
.sh-gd__hub-q-ask { display: flex; align-items: center; gap: 12px; font-size: 17px; font-weight: 800; color: var(--gd-navy); }
.sh-gd__hub-q-n { flex: none; display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: var(--gd-gold-lt); color: var(--gd-navy); font-size: 14.5px; font-weight: 900; }
.sh-gd__hub-q-ans { margin-top: 14px; }
.sh-gd__hub-q-ans b { display: block; font-size: clamp(29px, 3.2vw, 37px); line-height: 1.1; font-weight: 900; color: var(--gd-navy); letter-spacing: -.01em; }
.sh-gd__hub-q-ans b::after { content: ""; display: block; width: 44px; height: 4px; margin-top: 10px; border-radius: 2px; background: var(--gd-gold); }
.sh-gd__hub-q-ans span { display: block; margin-top: 10px; color: var(--gd-muted); font-size: 15.5px; line-height: 1.55; }
.sh-gd__hub-q-viz { margin-top: 20px; padding: 16px; border-radius: 14px; background: var(--gd-tint); }
.sh-gd__hub-q-link { align-self: flex-start; margin-top: auto; padding-top: 18px; font-weight: 800; color: var(--gd-navy); text-decoration: none; }
.sh-gd__hub-q-link::after { content: "\2192"; display: inline-block; margin-left: 6px; transition: transform .2s ease; }
.sh-gd__hub-q-link:hover { color: var(--gd-navy); text-decoration: underline; text-decoration-color: var(--gd-gold); text-decoration-thickness: 2px; text-underline-offset: 4px; }
.sh-gd__hub-q-link:hover::after { transform: translateX(4px); }
.sh-gd__hub-q-link:focus-visible { outline: 3px solid var(--gd-gold); outline-offset: 3px; }
.sh-gd__hub-q em { font-style: normal; }

/* 1: rebate by year, as columns */
.sh-gd__hub-q-years { display: grid; grid-template-columns: repeat(5, 1fr); align-items: end; gap: 10px; height: 150px; }
.sh-gd__hub-q-years > span { position: relative; display: flex; flex-direction: column; justify-content: flex-end; align-items: center; height: 100%; }
.sh-gd__hub-q-years > span::before { content: ""; order: 2; width: 100%; flex: none; height: calc(var(--h) * .68); min-height: 6px; border-radius: 6px 6px 3px 3px; background: rgba(24,69,123,.22); }
.sh-gd__hub-q-years > span.is-now::before { background: var(--gd-gold); }
.sh-gd__hub-q-years i { order: 1; margin-bottom: 5px; font-style: normal; font-size: 12px; font-weight: 800; color: var(--gd-navy); white-space: nowrap; }
.sh-gd__hub-q-years em { order: 3; margin-top: 6px; font-size: 12.5px; font-weight: 700; color: var(--gd-muted); }
.sh-gd__hub-q-years .is-now em { color: var(--gd-navy); }

/* 2: share of the price */
.sh-gd__hub-q-track { display: block; height: 18px; border-radius: 999px; background: rgba(24,69,123,.16); overflow: hidden; }
.sh-gd__hub-q-fill { display: block; width: var(--w); height: 100%; border-radius: 999px; background: var(--gd-gold); }
.sh-gd__hub-q-scale { display: flex; justify-content: space-between; gap: 10px; margin-top: 10px; font-size: 14px; font-weight: 700; color: var(--gd-muted); }
.sh-gd__hub-q-scale em:first-child { color: var(--gd-navy); }
.sh-gd__hub-q-sizes { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; margin-top: 14px; }
.sh-gd__hub-q-sizes > span { display: flex; flex-direction: column; align-items: center; gap: 2px; padding: 10px 4px; border-radius: 12px; background: #fff; border: 1px solid var(--gd-line); }
.sh-gd__hub-q-sizes > span.is-now { border-color: var(--gd-gold); box-shadow: inset 0 0 0 1px var(--gd-gold); }
.sh-gd__hub-q-sizes b { font-size: 17px; font-weight: 900; color: var(--gd-navy); line-height: 1.15; }
.sh-gd__hub-q-sizes em { font-size: 12px; font-weight: 700; color: var(--gd-muted); }

/* 3: before and after the step-down */
.sh-gd__hub-q-row { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: center; gap: 4px 12px; }
.sh-gd__hub-q-row + .sh-gd__hub-q-row { margin-top: 12px; }
.sh-gd__hub-q-row em { grid-column: 1 / -1; font-size: 13px; font-weight: 700; color: var(--gd-muted); }
.sh-gd__hub-q-row > span { display: block; height: 14px; border-radius: 999px; background: rgba(24,69,123,.1); }
.sh-gd__hub-q-row > span i { display: block; width: var(--w); height: 100%; border-radius: 999px; background: rgba(24,69,123,.35); }
.sh-gd__hub-q-row.is-now > span i { background: var(--gd-gold); }
.sh-gd__hub-q-row b { font-size: 15.5px; font-weight: 800; color: var(--gd-navy); min-width: 56px; text-align: right; }
.sh-gd__hub-q-row.is-now em { color: var(--gd-navy); }

/* 4: number of fortnightly payments per term */
.sh-gd__hub-q-terms { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 8px; }
.sh-gd__hub-q-terms > span { display: flex; flex-direction: column; align-items: center; gap: 2px; padding: 10px 4px; border-radius: 12px; background: #fff; border: 1px solid var(--gd-line); }
.sh-gd__hub-q-terms > span.is-now { background: var(--gd-navy); border-color: var(--gd-navy); }
.sh-gd__hub-q-terms b { font-size: 18.5px; font-weight: 900; color: var(--gd-navy); line-height: 1.1; }
.sh-gd__hub-q-terms .is-now b { color: var(--gd-gold); }
.sh-gd__hub-q-terms em { font-size: 12px; font-weight: 700; color: var(--gd-muted); text-align: center; line-height: 1.25; }
.sh-gd__hub-q-terms .is-now em { color: rgba(255,255,255,.8); }
.sh-gd__hub-q-terms small { grid-column: 1 / -1; text-align: center; font-size: 13px; color: var(--gd-muted); }
.sh-gd__hub-q-note { margin-top: 20px; font-size: 14px; color: var(--gd-muted); }

/* next steps */
.sh-gd__hub-next { background: #fff; padding: clamp(48px, 7vw, 88px) 0; }
.sh-gd__hub-next-grid { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.4fr); gap: 28px 56px; align-items: center; }
.sh-gd__hub-cities { margin-top: 16px; color: var(--gd-muted); }
.sh-gd__hub-cities a { color: var(--gd-navy); font-weight: 700; text-decoration: underline; text-decoration-color: var(--gd-gold); text-decoration-thickness: 2px; text-underline-offset: 3px; }
.sh-gd__hub-tools { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.sh-gd__hub-tools a { display: flex; flex-direction: column; gap: 8px; height: 100%; padding: 20px; border-radius: 16px; border: 1px solid var(--gd-line); background: #fff; color: var(--gd-navy); text-decoration: none; transition: transform .2s ease, border-color .2s ease; }
.sh-gd__hub-tools a:hover { transform: translateY(-3px); border-color: var(--gd-gold); color: var(--gd-navy); text-decoration: none; }
.sh-gd__hub-tools a.is-gold { background: var(--gd-gold); border-color: var(--gd-gold); }
.sh-gd__hub-tools a.is-gold .sh-gd__hub-ico--lg { background: #fff; }
.sh-gd__hub-tools b { margin-top: 6px; font-size: 17.5px; font-weight: 800; }
.sh-gd__hub-tools span:not(.sh-gd__hub-ico) { color: var(--gd-muted); font-size: 15px; line-height: 1.5; }
.sh-gd__hub-tools a.is-gold span:not(.sh-gd__hub-ico) { color: var(--gd-navy); }

@media (max-width: 860px) { .sh-gd__hub-qa { grid-template-columns: 1fr; } }
@media (max-width: 991px) {
  .sh-gd--hub .sh-gd__banner-grid, .sh-gd__hub-feat, .sh-gd__hub-next-grid { grid-template-columns: 1fr; }
  .sh-gd__hub-art svg { max-width: 360px; margin: 0 auto; }
}
@media (max-width: 640px) {
  .sh-gd__hub-tools { grid-template-columns: 1fr; }
  .sh-gd__hub-grid { grid-template-columns: 1fr; }
  .sh-gd__hub-art { display: none; }
  .sh-gd__hub-count b { min-width: 60px; height: 60px; font-size: 25.5px; }
}
@media (prefers-reduced-motion: reduce) {
  .sh-gd--hub *, .sh-gd--hub *::before, .sh-gd--hub *::after { animation: none !important; }
}