/* ===== ERCUK guide pages v2 (calculator, lifetime, home reversion, rates) ===== */
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.erg-wrap{max-width:1200px;margin:0 auto;padding:0 24px;}
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.erg h1{font-size:52px;line-height:1.06;margin:14px 0 18px;}
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.erg em.hl{font-style:normal;background:linear-gradient(180deg,transparent 62%,rgba(255,145,2,.35) 62%);color:inherit;padding:0 2px;}

/* hero: words left, photo right with the key figures overlapping it */
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.erg-meta{font-size:14px;color:var(--muted);margin:22px 0 0;}
.erg-meta b{color:var(--ink);}
.erg-photo{position:relative;}
.erg-photo img{display:block;width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:22px;}
.erg-facts{position:absolute;left:-36px;bottom:-34px;width:min(330px,80%);background:#fff;border-radius:18px;padding:18px 20px;box-shadow:0 24px 50px -24px rgba(10,37,64,.45);}
.erg-facts h2{font-size:13px !important;letter-spacing:.1em;text-transform:uppercase !important;color:var(--muted);margin:0 0 6px !important;font-weight:700;}
.erg-facts ul{list-style:none;margin:0;padding:0;}
.erg-facts li{padding:9px 0;border-top:1px solid var(--line);font-size:14px;line-height:1.4;color:var(--muted);}
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.erg-btn.ghost:after{content:"\2193";}

/* body */
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.erg-toc{position:sticky;top:96px;align-self:start;font-size:15px;}
.erg-toc p{font-weight:800;color:var(--navy);margin:0 0 12px;font-size:14px;letter-spacing:.06em;text-transform:uppercase;}
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.erg-toc li{counter-increment:t;}
.erg-toc a{display:flex;gap:10px;padding:8px 0;color:var(--muted);text-decoration:none;line-height:1.35;}
.erg-toc a:before{content:counter(t,decimal-leading-zero);font-weight:800;color:#B7C2CF;font-size:13px;padding-top:2px;}
.erg-toc a:hover{color:var(--navy);}
.erg-main{max-width:780px;min-width:0;}
.erg-sec{margin:0 0 56px;scroll-margin-top:100px;}

/* callouts */
.erg-note,.erg-risk{border-radius:16px;padding:18px 20px 18px 64px;font-size:15.5px;line-height:1.6;margin:0 0 40px;position:relative;}
.erg-note{background:#EEF4FB;}
.erg-risk{background:#FFF4E2;margin:26px 0 0;}
.erg-note:before,.erg-risk:before{content:"i";position:absolute;left:20px;top:18px;width:30px;height:30px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:15px;}
.erg-risk:before{content:"!";background:#B85F00;}
.erg-note strong,.erg-risk strong{display:block;color:var(--navy);}

/* steps */
.erg-steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;counter-reset:s;}
.erg-steps li{counter-increment:s;background:var(--cream);border-radius:16px;padding:20px 22px;}
.erg-steps li:before{content:"Step " counter(s);display:block;font-size:13px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:#B85F00;margin-bottom:6px;}
.erg-steps p{margin:0;color:var(--muted);font-size:16px;}

/* cards */
.erg-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0;border-top:1px solid var(--line);}
.erg-card{padding:20px 22px 20px 0;border-bottom:1px solid var(--line);}
.erg-card:nth-child(odd){padding-right:28px;border-right:1px solid var(--line);}
.erg-card:nth-child(even){padding-left:28px;}
.erg-card p{margin:0;font-size:16px;color:var(--muted);}

/* tables */
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.erg-table table{width:100%;border-collapse:collapse;font-size:16px;background:#fff;}
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.erg-table thead th{background:var(--navy);color:#fff;border-top:0;font-size:14px;font-weight:700;}
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.erg-table tbody th{color:var(--navy);font-weight:700;width:30%;}
.erg-small{font-size:14px;line-height:1.6;color:var(--muted);}

/* faq */
.erg-faq details{border-bottom:1px solid var(--line);}
.erg-faq details:first-child{border-top:1px solid var(--line);}
.erg-faq summary{cursor:pointer;list-style:none;padding:20px 48px 20px 0;font-weight:700;font-size:18px;color:var(--navy);position:relative;}
.erg-faq summary::-webkit-details-marker{display:none;}
.erg-faq summary:after{content:"";position:absolute;right:6px;top:26px;width:12px;height:12px;border-right:2.5px solid var(--blue);border-bottom:2.5px solid var(--blue);transform:rotate(45deg);transition:transform .2s;}
.erg-faq details[open] summary:after{transform:rotate(225deg);top:32px;}
.erg-faq details p{margin:0 0 20px;color:var(--muted);}

/* calculator */
.erg-calc{border-radius:24px;overflow:hidden;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);box-shadow:0 30px 60px -36px rgba(10,37,64,.5);margin:0 0 16px;border:1px solid var(--line);}
.erg-calc-in{background:#fff;padding:30px;}
.erg-calc h2{font-size:22px;margin:0 0 18px;}
.erg-calc label{display:block;font-size:15px;font-weight:700;margin:0 0 8px;color:var(--navy);}
.erg-field{margin:0 0 18px;position:relative;}
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.erg-field input:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(11,99,197,.15);}
.erg-field.money input{padding-left:40px;}
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.erg-result{background:var(--navy);color:#fff;padding:30px;display:flex;flex-direction:column;justify-content:space-between;gap:20px;}
.erg-result small{font-size:13px;font-weight:700;color:#9FB8D6;text-transform:uppercase;letter-spacing:.1em;}
.erg-result .amt{font-size:56px;font-weight:800;line-height:1.05;margin:10px 0 8px;color:#fff;}
.erg-result .amt.empty{font-size:22px;color:#C9D6E6;font-weight:700;}
.erg-result p{font-size:15px;color:#C9D6E6;margin:0;}
.erg-bar{height:12px;border-radius:999px;background:rgba(255,255,255,.14);overflow:hidden;margin:14px 0;}
.erg-bar span{display:block;height:100%;width:0;background:var(--orange);transition:width .35s;}

/* cta */
.erg-cta{background:var(--sand);padding:56px 0;}
.erg-cta-in{display:grid;grid-template-columns:minmax(0,1.5fr) auto;gap:30px;align-items:center;}
.erg-cta h2{margin:0 0 8px;}
.erg-cta p{color:var(--muted);margin:0;max-width:62ch;}
.erg-sources{font-size:15px;color:var(--muted);padding-left:20px;margin:0 0 10px;}
.erg-sources li{margin:0 0 8px;}

@media (max-width:980px){
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  .erg-toc{display:none;}
  .erg-facts{position:relative;left:auto;bottom:auto;width:auto;margin:-40px 16px 0;}
  .erg-body{padding-top:40px;}
}
@media (max-width:640px){
  .erg{font-size:17px;}
  .erg h1{font-size:34px;}
  .erg h2{font-size:25px;}
  .erg-lede{font-size:18px;}
  .erg-wrap{padding:0 18px;}
  .erg-hero{padding:28px 0 36px;}
  .erg-hero-in{gap:28px;}
  .erg-steps,.erg-cards{grid-template-columns:1fr;}
  .erg-card,.erg-card:nth-child(odd),.erg-card:nth-child(even){padding:18px 0;border-right:0;}
  .erg-calc-in,.erg-result{padding:22px;}
  .erg-result .amt{font-size:42px;}
  .erg-actions .erg-btn{width:100%;justify-content:center;}
  .erg-sec{margin-bottom:44px;}
}
@media (max-width:640px){.erg-photo img{aspect-ratio:16/10;border-radius:18px;}.erg-facts{margin:-28px 12px 0;}}