/* Simply Mindy - modern consumer-finance magazine */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
--sm-ink:#182420;
--sm-ink-2:#4f5b55;
--sm-ink-3:#8b938c;
--sm-bg:#f4f2ea;
--sm-surface:#ffffff;
--sm-brand:#0b5d43;
--sm-brand-600:#094a35;
--sm-brand-050:#e9f2ec;
--sm-brand-100:#d3e6da;
--sm-gold:#b07d2a;
--sm-line:#e5e1d5;
--sm-line-2:#d6d0c0;
--sm-shadow:0 1px 2px rgba(24,36,32,.04),0 12px 30px -18px rgba(24,36,32,.28);
--sm-shadow-sm:0 1px 2px rgba(24,36,32,.05),0 6px 16px -12px rgba(24,36,32,.22);
--sm-wrap:1200px;
--sm-read:720px;
--sm-gap:26px;
--sm-radius:14px;
}
html{font-size:16px;scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'Libre Franklin',system-ui,-apple-system,Segoe UI,sans-serif;color:var(--sm-ink);background:var(--sm-bg);line-height:1.7;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:var(--sm-brand);text-decoration:none;transition:color .18s}
a:hover{color:var(--sm-brand-600)}
h1,h2,h3,h4{font-family:'Fraunces','Georgia',serif;font-weight:600;line-height:1.18;color:var(--sm-ink);letter-spacing:-.01em}
.sm-wrap{max-width:var(--sm-wrap);margin:0 auto;padding:0 var(--sm-gap)}

/* ---------- Chips / shared ---------- */
.sm-chip{display:inline-block;font-family:'Libre Franklin',sans-serif;font-size:.68rem;font-weight:700;text-transform:uppercase;letter-spacing:.13em;color:var(--sm-brand);background:var(--sm-brand-050);padding:5px 10px;border-radius:999px}
.sm-chip--gold{color:var(--sm-gold);background:#f5ecd9}
.sm-eyebrow{font-family:'Libre Franklin',sans-serif;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.16em;color:var(--sm-brand)}

/* ---------- Topbar ---------- */
.sm-topbar{background:var(--sm-ink);color:rgba(255,255,255,.68)}
.sm-topbar-inner{display:flex;align-items:center;justify-content:space-between;height:38px;font-size:.74rem;letter-spacing:.04em}
.sm-topbar-inner b{color:#fff;font-weight:600}
.sm-topbar-tag{color:rgba(255,255,255,.5);text-transform:uppercase;letter-spacing:.14em;font-size:.68rem}

/* ---------- Masthead ---------- */
.sm-masthead{background:var(--sm-bg);border-bottom:1px solid var(--sm-line)}
.sm-masthead-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:22px 0 20px}
.sm-brand{display:inline-flex;align-items:center;gap:13px}
.sm-brand-mark{height:46px;width:46px;border-radius:12px;box-shadow:var(--sm-shadow-sm)}
.sm-brand-text{display:flex;flex-direction:column;line-height:1}
.sm-brand-word{font-family:'Fraunces',serif;font-weight:600;font-size:1.72rem;color:var(--sm-ink);letter-spacing:-.02em}
.sm-brand-word b{color:var(--sm-brand);font-weight:600}
.sm-brand-tag{font-family:'Libre Franklin',sans-serif;font-size:.66rem;font-weight:600;text-transform:uppercase;letter-spacing:.22em;color:var(--sm-ink-3);margin-top:5px}
.sm-masthead-aside{display:flex;align-items:center;gap:18px}
.sm-masthead-note{font-size:.78rem;color:var(--sm-ink-3);max-width:210px;line-height:1.5;text-align:right}

/* ---------- Nav ---------- */
.sm-nav{background:var(--sm-surface);border-bottom:1px solid var(--sm-line);position:sticky;top:0;z-index:100;box-shadow:0 1px 0 rgba(24,36,32,.02)}
.sm-nav-inner{display:flex;align-items:center;gap:6px;height:52px;position:relative}
.sm-nav a{font-size:.86rem;font-weight:600;color:var(--sm-ink);padding:8px 15px;border-radius:999px;transition:background .18s,color .18s}
.sm-nav a:hover,.sm-nav a.active{background:var(--sm-brand-050);color:var(--sm-brand)}
.sm-nav-spacer{flex:1}
.sm-nav-cta{font-size:.82rem;font-weight:700;color:#fff !important;background:var(--sm-brand);padding:9px 18px !important;border-radius:999px}
.sm-nav-cta:hover{background:var(--sm-brand-600);color:#fff !important}
.sm-menu-toggle{display:none;position:absolute;right:0;top:50%;transform:translateY(-50%);background:none;border:none;cursor:pointer;padding:8px;flex-direction:column;gap:4px}
.sm-menu-toggle span{display:block;width:22px;height:2px;background:var(--sm-ink);border-radius:2px}

/* ---------- Home ---------- */
.sm-home{padding:36px 0 60px}

/* Hero / featured */
.sm-hero{display:grid;grid-template-columns:1.05fr 1fr;gap:40px;align-items:center;background:var(--sm-surface);border:1px solid var(--sm-line);border-radius:var(--sm-radius);overflow:hidden;box-shadow:var(--sm-shadow);margin-bottom:48px}
.sm-hero-media{position:relative;align-self:stretch;min-height:100%}
.sm-hero-media img{width:100%;height:100%;min-height:320px;object-fit:cover}
.sm-hero-body{padding:40px 44px 40px 4px}
.sm-hero-eyebrow{display:flex;align-items:center;gap:12px;margin-bottom:18px}
.sm-hero-eyebrow .sm-eyebrow{color:var(--sm-gold)}
.sm-hero h1{font-size:2.5rem;font-weight:600;line-height:1.1;margin-bottom:16px}
.sm-hero h1 a{color:var(--sm-ink)}
.sm-hero h1 a:hover{color:var(--sm-brand)}
.sm-hero-standfirst{font-size:1.08rem;color:var(--sm-ink-2);line-height:1.62;margin-bottom:22px}
.sm-hero-meta{display:flex;align-items:center;gap:12px;font-size:.8rem;color:var(--sm-ink-3)}
.sm-hero-meta .dot{width:4px;height:4px;border-radius:50%;background:var(--sm-line-2)}
.sm-hero-link{display:inline-flex;align-items:center;gap:7px;margin-top:24px;font-weight:700;font-size:.9rem;color:var(--sm-brand)}
.sm-hero-link:hover{gap:11px}

/* Section head */
.sm-sec-head{display:flex;align-items:baseline;justify-content:space-between;gap:16px;margin:0 0 24px;padding-bottom:12px;border-bottom:2px solid var(--sm-ink)}
.sm-sec-head h2{font-size:1.35rem;font-weight:600}
.sm-sec-head span{font-size:.74rem;font-weight:700;text-transform:uppercase;letter-spacing:.14em;color:var(--sm-ink-3)}

/* Columns */
.sm-columns{display:grid;grid-template-columns:1fr 328px;gap:52px}

/* Card grid */
.sm-cards{display:grid;grid-template-columns:1fr 1fr;gap:30px}
.sm-card{background:var(--sm-surface);border:1px solid var(--sm-line);border-radius:var(--sm-radius);overflow:hidden;display:flex;flex-direction:column;box-shadow:var(--sm-shadow-sm);transition:transform .2s ease,box-shadow .2s ease}
.sm-card:hover{transform:translateY(-4px);box-shadow:var(--sm-shadow)}
.sm-card-media{aspect-ratio:16/10;overflow:hidden}
.sm-card-media img{width:100%;height:100%;object-fit:cover;transition:transform .4s ease}
.sm-card:hover .sm-card-media img{transform:scale(1.04)}
.sm-card-body{padding:20px 22px 24px;display:flex;flex-direction:column;flex:1}
.sm-card-cat{margin-bottom:11px}
.sm-card h3{font-size:1.22rem;font-weight:600;line-height:1.28;margin-bottom:10px}
.sm-card h3 a{color:var(--sm-ink)}
.sm-card h3 a:hover{color:var(--sm-brand)}
.sm-card p{font-size:.9rem;color:var(--sm-ink-2);line-height:1.6;margin-bottom:16px;flex:1}
.sm-card-date{font-size:.74rem;font-weight:600;letter-spacing:.02em;color:var(--sm-ink-3)}

/* Sidebar */
.sm-aside{align-self:start;position:sticky;top:72px;display:flex;flex-direction:column;gap:26px}
.sm-panel{background:var(--sm-surface);border:1px solid var(--sm-line);border-radius:var(--sm-radius);padding:24px 24px 26px;box-shadow:var(--sm-shadow-sm)}
.sm-panel-head{font-family:'Fraunces',serif;font-size:1.1rem;font-weight:600;margin-bottom:16px;padding-bottom:12px;border-bottom:1px solid var(--sm-line)}
.sm-most{list-style:none;counter-reset:most}
.sm-most li{counter-increment:most;display:grid;grid-template-columns:34px 1fr;gap:14px;padding:13px 0;border-bottom:1px solid var(--sm-line)}
.sm-most li:last-child{border-bottom:none;padding-bottom:0}
.sm-most li:first-child{padding-top:0}
.sm-most li::before{content:counter(most,decimal-leading-zero);font-family:'Fraunces',serif;font-size:1.15rem;font-weight:600;color:var(--sm-brand-100);line-height:1.2}
.sm-most a{font-size:.92rem;font-weight:600;line-height:1.35;color:var(--sm-ink)}
.sm-most a:hover{color:var(--sm-brand)}
.sm-panel--brand{background:var(--sm-brand);border-color:var(--sm-brand);color:#fff}
.sm-panel--brand .sm-panel-head{color:#fff;border-bottom-color:rgba(255,255,255,.18)}
.sm-panel--brand p{font-size:.88rem;color:rgba(255,255,255,.82);line-height:1.6;margin-bottom:18px}
.sm-panel--brand .sm-btn{display:inline-block;background:#fff;color:var(--sm-brand);font-size:.82rem;font-weight:700;padding:11px 20px;border-radius:999px}
.sm-panel--brand .sm-btn:hover{background:var(--sm-brand-050)}
.sm-facts li{display:flex;gap:12px;padding:11px 0;border-bottom:1px solid var(--sm-line);font-size:.88rem;color:var(--sm-ink-2);line-height:1.5}
.sm-facts li:last-child{border-bottom:none;padding-bottom:0}
.sm-facts li:first-child{padding-top:0}
.sm-facts .k{font-family:'Fraunces',serif;font-weight:600;color:var(--sm-brand);font-size:1rem;flex-shrink:0;min-width:64px}

/* ---------- Article ---------- */
.sm-article{padding:30px 0 44px}
.sm-article-head{max-width:var(--sm-read);margin:0 auto}
.sm-breadcrumb{font-size:.78rem;color:var(--sm-ink-3);margin-bottom:18px}
.sm-breadcrumb a{color:var(--sm-brand);font-weight:600}
.sm-article-cat{margin-bottom:16px}
.sm-article-h1{font-size:2.55rem;font-weight:600;line-height:1.1;margin-bottom:18px}
.sm-article-standfirst{font-size:1.24rem;color:var(--sm-ink-2);line-height:1.5;margin-bottom:26px;font-weight:400}
.sm-byline{display:flex;align-items:center;gap:14px;padding:16px 0;border-top:1px solid var(--sm-line);border-bottom:1px solid var(--sm-line)}
.sm-byline-avatar{width:42px;height:42px;border-radius:50%;box-shadow:var(--sm-shadow-sm);flex-shrink:0}
.sm-byline-meta{display:flex;flex-direction:column;gap:2px}
.sm-byline-name{font-weight:700;font-size:.9rem;color:var(--sm-ink)}
.sm-byline-sub{font-size:.78rem;color:var(--sm-ink-3)}
.sm-figure{max-width:1000px;margin:30px auto 0}
.sm-figure img{width:100%;max-height:520px;object-fit:cover;border-radius:var(--sm-radius)}
.sm-figure figcaption{font-size:.8rem;color:var(--sm-ink-3);padding:11px 4px 0;line-height:1.5}

.sm-body{max-width:var(--sm-read);margin:0 auto;padding:8px 0}
.sm-body p{margin-bottom:20px;font-size:1.09rem;line-height:1.82;color:#22302a}
.sm-body h2{font-size:1.62rem;font-weight:600;margin:42px 0 16px}
.sm-body h2::before{content:"";display:block;width:42px;height:3px;background:var(--sm-brand);border-radius:2px;margin-bottom:16px}
.sm-body h3{font-size:1.22rem;font-weight:600;margin:30px 0 12px}
.sm-body ul,.sm-body ol{margin:18px 0 24px;padding-left:0;list-style:none}
.sm-body ul li,.sm-body ol li{position:relative;margin-bottom:12px;padding-left:30px;line-height:1.7;font-size:1.05rem}
.sm-body ul li::before{content:"";position:absolute;left:6px;top:.72em;width:8px;height:8px;border-radius:50%;background:var(--sm-brand)}
.sm-body ol{counter-reset:ol}
.sm-body ol li{counter-increment:ol}
.sm-body ol li::before{content:counter(ol);position:absolute;left:0;top:.05em;width:22px;height:22px;background:var(--sm-brand-050);color:var(--sm-brand);border-radius:50%;font-size:.78rem;font-weight:700;display:flex;align-items:center;justify-content:center}
.sm-body strong{color:var(--sm-ink);font-weight:700}

/* Key takeaways */
.sm-takeaway{background:var(--sm-brand-050);border:1px solid var(--sm-brand-100);border-radius:var(--sm-radius);padding:24px 28px;margin:8px 0 30px}
.sm-takeaway h2{margin:0 0 14px;font-size:1.05rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--sm-brand);font-family:'Libre Franklin',sans-serif}
.sm-takeaway h2::before{display:none}
.sm-takeaway ul{margin:0;padding:0}
.sm-takeaway ul li{font-size:.98rem;padding-left:28px}
.sm-takeaway ul li::before{background:var(--sm-gold)}

/* Pull quote */
.sm-pullquote{font-family:'Fraunces',serif;font-size:1.55rem;font-weight:500;font-style:italic;line-height:1.42;color:var(--sm-ink);margin:34px 0;padding:4px 0 4px 26px;border-left:3px solid var(--sm-gold)}

/* Callout */
.sm-callout{background:var(--sm-surface);border:1px solid var(--sm-line-2);border-left:4px solid var(--sm-gold);border-radius:10px;padding:22px 26px;margin:30px 0;box-shadow:var(--sm-shadow-sm)}
.sm-callout h3{margin:0 0 8px;font-size:1.14rem}
.sm-callout p{font-size:.98rem;margin-bottom:0;line-height:1.7;color:var(--sm-ink-2)}

/* Stat strip */
.sm-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:30px 0}
.sm-stat{background:var(--sm-surface);border:1px solid var(--sm-line);border-radius:12px;padding:20px 22px;text-align:center}
.sm-stat .num{font-family:'Fraunces',serif;font-size:2rem;font-weight:600;color:var(--sm-brand);line-height:1;margin-bottom:8px}
.sm-stat .lab{font-size:.8rem;color:var(--sm-ink-2);line-height:1.4}

/* Table */
.sm-table-wrap{overflow-x:auto;margin:28px 0;border:1px solid var(--sm-line);border-radius:var(--sm-radius);box-shadow:var(--sm-shadow-sm)}
.sm-table{width:100%;border-collapse:collapse;font-size:.92rem;background:var(--sm-surface);min-width:560px}
.sm-table caption{caption-side:bottom;text-align:left;font-size:.78rem;color:var(--sm-ink-3);padding:12px 16px 0}
.sm-table th{background:var(--sm-brand);color:#fff;padding:14px 16px;text-align:left;font-family:'Libre Franklin',sans-serif;font-weight:600;font-size:.78rem;text-transform:uppercase;letter-spacing:.06em}
.sm-table td{padding:14px 16px;border-bottom:1px solid var(--sm-line);vertical-align:top;line-height:1.55}
.sm-table tbody tr:last-child td{border-bottom:none}
.sm-table tbody tr:nth-child(even){background:#faf9f4}
.sm-table td a{color:var(--sm-brand);font-weight:600}
.sm-table td a:hover{text-decoration:underline}
.sm-table .hi{color:var(--sm-brand);font-weight:700}

.sm-source{font-size:.84rem;color:var(--sm-ink-3);line-height:1.65;margin-top:26px}
.sm-source a{color:var(--sm-brand);text-decoration:underline}
.sm-disclaimer{font-size:.86rem;color:var(--sm-ink-3);line-height:1.65;margin-top:26px;padding:18px 22px;background:#eeece3;border-radius:10px}

/* Newsletter */
.sm-newsletter{max-width:var(--sm-read);margin:40px auto 8px;background:var(--sm-ink);color:#fff;border-radius:var(--sm-radius);padding:38px 36px;box-shadow:var(--sm-shadow)}
.sm-newsletter .sm-eyebrow{color:#9fd3ba}
.sm-newsletter h3{color:#fff;font-size:1.6rem;font-weight:600;margin:12px 0 10px}
.sm-newsletter>p{font-size:.94rem;color:rgba(255,255,255,.76);line-height:1.62;margin-bottom:22px}
.sm-nl-form{display:flex;gap:10px;margin-bottom:14px}
.sm-nl-form input[type=email]{flex:1;padding:14px 16px;border:1px solid rgba(255,255,255,.2);border-radius:10px;font-size:.95rem;font-family:inherit;background:rgba(255,255,255,.06);color:#fff;outline:none}
.sm-nl-form input[type=email]::placeholder{color:rgba(255,255,255,.5)}
.sm-nl-form input[type=email]:focus{border-color:#9fd3ba;background:rgba(255,255,255,.1)}
.sm-nl-form button{padding:14px 26px;background:#fff;color:var(--sm-brand);border:none;border-radius:10px;font-size:.9rem;font-weight:700;font-family:inherit;cursor:pointer;transition:background .18s;white-space:nowrap}
.sm-nl-form button:hover{background:var(--sm-brand-050)}
.sm-nl-consent{display:flex;align-items:flex-start;gap:9px}
.sm-nl-consent input{margin-top:4px;flex-shrink:0;accent-color:var(--sm-brand)}
.sm-nl-consent label{font-size:.78rem;color:rgba(255,255,255,.6);line-height:1.5}
.sm-nl-consent a{color:#9fd3ba;text-decoration:underline}
.sm-nl-msg{margin-top:12px;font-size:.85rem;display:none}
.sm-nl-msg.error{color:#ffb4a8;display:block}
.sm-nl-msg.success{color:#9fd3ba;display:block}

/* More posts */
.sm-more{padding:12px 0 56px}
.sm-more-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:6px}

/* ---------- Legal ---------- */
.sm-legal{max-width:var(--sm-read);margin:0 auto;padding:38px 0 60px}
.sm-legal-back{display:inline-block;font-size:.82rem;font-weight:600;color:var(--sm-ink-3);margin-bottom:22px}
.sm-legal-back:hover{color:var(--sm-brand)}
.sm-legal h1{font-size:2.1rem;font-weight:600;margin-bottom:22px}
.sm-legal h2{font-size:1.3rem;font-weight:600;margin:32px 0 12px}
.sm-legal h2::before{content:"";display:block;width:38px;height:3px;background:var(--sm-brand);border-radius:2px;margin-bottom:14px}
.sm-legal p{margin-bottom:14px;font-size:.98rem;line-height:1.74;color:#293630}
.sm-legal ul{margin:12px 0 18px 4px;list-style:none}
.sm-legal li{position:relative;margin-bottom:8px;font-size:.96rem;line-height:1.6;padding-left:22px}
.sm-legal li::before{content:"";position:absolute;left:4px;top:.7em;width:6px;height:6px;border-radius:50%;background:var(--sm-brand)}
.sm-legal a{text-decoration:underline}
.sm-legal-box{margin:14px 0 22px;padding:20px 24px;background:var(--sm-brand-050);border:1px solid var(--sm-brand-100);border-radius:12px}
.sm-legal-box p{margin-bottom:4px}
.sm-legal-vat{font-family:'Fraunces',serif;font-size:1.2rem;font-weight:600;letter-spacing:.02em;color:var(--sm-brand)}

/* ---------- Thanks ---------- */
.sm-thanks{max-width:560px;margin:80px auto;text-align:center}
.sm-thanks-mark{width:70px;height:70px;margin:0 auto 22px;border-radius:50%;background:var(--sm-brand-050);border:2px solid var(--sm-brand-100);display:flex;align-items:center;justify-content:center;font-size:1.9rem;color:var(--sm-brand)}
.sm-thanks h1{font-size:1.9rem;font-weight:600;margin-bottom:14px}
.sm-thanks p{color:var(--sm-ink-2);margin-bottom:28px;line-height:1.66}
.sm-thanks a{display:inline-block;padding:14px 30px;background:var(--sm-brand);color:#fff;font-weight:700;border-radius:999px;font-size:.9rem}
.sm-thanks a:hover{background:var(--sm-brand-600);color:#fff}

/* ---------- Footer ---------- */
.sm-footer{background:var(--sm-ink);color:rgba(255,255,255,.66);margin-top:20px}
.sm-footer-inner{display:grid;grid-template-columns:1.7fr 1fr 1fr;gap:44px;padding:48px 0 32px}
.sm-footer-brand .sm-brand-word{font-size:1.4rem;color:#fff}
.sm-footer-brand .sm-brand-word b{color:#9fd3ba}
.sm-footer-about{margin-top:14px;font-size:.86rem;line-height:1.62;color:rgba(255,255,255,.56);max-width:360px}
.sm-footer-col h4{color:#fff;font-size:.76rem;text-transform:uppercase;letter-spacing:.14em;margin-bottom:15px}
.sm-footer-col a{display:block;color:rgba(255,255,255,.62);font-size:.9rem;padding:5px 0}
.sm-footer-col a:hover{color:#fff}
.sm-footer-bottom{border-top:1px solid rgba(255,255,255,.12)}
.sm-footer-bottom-inner{display:flex;flex-wrap:wrap;gap:8px 24px;align-items:center;justify-content:space-between;padding:18px 0;font-size:.78rem;color:rgba(255,255,255,.46)}

/* ---------- Cookie ---------- */
.sm-cookie{position:fixed;left:16px;right:16px;bottom:16px;max-width:var(--sm-wrap);margin:0 auto;background:var(--sm-surface);border:1px solid var(--sm-line-2);border-radius:var(--sm-radius);padding:20px 24px;z-index:300;box-shadow:0 18px 50px -12px rgba(24,36,32,.4);display:none}
.sm-cookie.show{display:block}
.sm-cookie-inner{display:flex;align-items:center;justify-content:space-between;gap:24px}
.sm-cookie-text{font-size:.86rem;color:var(--sm-ink-2);line-height:1.5}
.sm-cookie-text a{text-decoration:underline;font-weight:600}
.sm-cookie-btns{display:flex;gap:10px;flex-shrink:0}
.sm-cookie-btns button{padding:11px 20px;font-size:.83rem;font-weight:700;font-family:inherit;cursor:pointer;border-radius:999px;border:1px solid var(--sm-line-2);transition:all .18s}
.sm-cookie-accept{background:var(--sm-brand);color:#fff;border-color:var(--sm-brand)}
.sm-cookie-accept:hover{background:var(--sm-brand-600)}
.sm-cookie-decline{background:transparent;color:var(--sm-ink)}
.sm-cookie-decline:hover{background:var(--sm-bg)}

/* ---------- Responsive ---------- */
@media(max-width:980px){
.sm-columns{grid-template-columns:1fr;gap:44px}
.sm-aside{position:static;flex-direction:row;flex-wrap:wrap}
.sm-aside .sm-panel{flex:1;min-width:260px}
.sm-hero{grid-template-columns:1fr}
.sm-hero-media{order:-1}
.sm-hero-media img{min-height:240px;max-height:320px}
.sm-hero-body{padding:32px 30px 34px}
.sm-more-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
.sm-masthead-note{display:none}
.sm-nav-inner{gap:2px}
.sm-nav a:not(.sm-nav-cta){display:none}
.sm-nav.open{position:absolute;left:0;right:0;top:52px;background:var(--sm-surface);border-bottom:1px solid var(--sm-line);box-shadow:var(--sm-shadow)}
.sm-nav.open .sm-nav-inner{flex-direction:column;height:auto;align-items:stretch;padding:8px 0 14px}
.sm-nav.open a:not(.sm-nav-cta){display:block;text-align:left;border-radius:8px}
.sm-nav.open .sm-nav-spacer{display:none}
.sm-nav.open .sm-nav-cta{margin:8px var(--sm-gap) 0}
.sm-menu-toggle{display:flex}
.sm-cards{grid-template-columns:1fr}
.sm-more-grid{grid-template-columns:1fr}
.sm-stats{grid-template-columns:1fr}
.sm-brand-word{font-size:1.5rem}
.sm-hero h1{font-size:1.95rem}
.sm-article-h1{font-size:1.95rem}
.sm-article-standfirst{font-size:1.08rem}
.sm-body p{font-size:1.04rem}
.sm-nl-form{flex-direction:column}
.sm-footer-inner{grid-template-columns:1fr;gap:30px}
.sm-cookie-inner{flex-direction:column;text-align:center}
.sm-cookie-btns{width:100%;justify-content:center}
}