.bnpl-hero{position:relative;overflow:hidden;border-bottom:1px solid var(--line);background:linear-gradient(135deg,#fffef9 0%,#f6eedf 55%,#e3eee7 100%);padding:42px 0 58px}
.bnpl-hero::before,.bnpl-hero::after{content:"";position:absolute;border:1px solid rgba(123,92,45,.18);transform:rotate(45deg);pointer-events:none}
.bnpl-hero::before{width:420px;height:420px;right:-220px;top:-230px;box-shadow:0 0 0 46px rgba(255,254,249,.18),0 0 0 92px rgba(16,63,53,.035)}
.bnpl-hero::after{width:180px;height:180px;left:-105px;bottom:-130px}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(280px,.65fr);gap:70px;align-items:center}
.hero-copy{position:relative;z-index:1}
.hero-copy h1{max-width:880px}
.standfirst{font-size:clamp(1.08rem,1.7vw,1.28rem);line-height:1.65;max-width:70ch;margin:26px 0 0}
.article-meta{display:flex;flex-wrap:wrap;gap:8px 24px;margin:24px 0 0;font-size:.85rem;color:var(--muted)}
.article-meta span{display:inline-flex;align-items:center;gap:7px}
.article-meta span:not(:last-child)::after{content:"";width:3px;height:3px;border-radius:50%;background:var(--gold);margin-left:17px}
.hero-visual{position:relative;min-height:330px;display:grid;place-items:center}
.receipt-card{position:relative;width:min(100%,330px);background:var(--paper);padding:32px;border:1px solid rgba(16,63,53,.18);box-shadow:0 24px 60px rgba(16,63,53,.12);transform:rotate(2deg)}
.receipt-card::before{content:"";position:absolute;inset:10px;border:1px dashed rgba(123,92,45,.28);pointer-events:none}
.receipt-label,.receipt-card small{display:block;color:var(--muted);font-size:.8rem}
.receipt-card>strong{display:block;font:400 3.7rem/1 var(--display);color:var(--forest);margin:12px 0 26px}
.instalments{display:grid;grid-template-columns:repeat(4,1fr);gap:7px}
.instalments span{padding:9px 2px;border-top:3px solid var(--gold);font-size:.72rem;text-align:center;color:var(--forest)}
.receipt-line{border-top:1px solid var(--line);margin:24px 0 16px}
.receipt-card small{line-height:1.55}
.article-layout{display:grid;grid-template-columns:220px minmax(0,1fr);gap:55px;align-items:start;padding-top:48px}
.article-layout .toc-panel{top:20px}
.bnpl-article{font-size:1.065rem;line-height:1.76;max-width:950px}
.bnpl-article>section{padding:58px 0 24px;border-top:1px solid var(--line)}
.bnpl-article>section:first-child{padding-top:0;border-top:0}
.bnpl-article h2{max-width:21ch;font-size:clamp(2rem,3.4vw,2.9rem);margin-bottom:24px}
.bnpl-article>section>p{max-width:72ch}
.section-number,.visual-kicker,.scenario-kicker{font-size:.75rem!important;line-height:1.5!important;text-transform:uppercase;letter-spacing:.11em;font-weight:750;color:var(--gold);margin-bottom:12px!important}
.scenario-card{max-width:780px;margin:0 0 34px;padding:28px 30px;background:var(--forest);color:var(--ivory);border-left:5px solid var(--gold-light);box-shadow:18px 18px 0 var(--soft)}
.scenario-card p:last-child{font:400 clamp(1.25rem,2vw,1.6rem)/1.55 var(--display);margin:0}
.scenario-card .scenario-kicker{color:var(--gold-light)}
.bnpl-article figure{width:100%;margin:36px 0 42px;padding:30px;border-top:5px solid var(--forest);box-shadow:0 10px 30px rgba(16,63,53,.06)}
.bnpl-article figure>header{display:flex;align-items:end;justify-content:space-between;gap:24px;border-bottom:1px solid var(--line);padding-bottom:20px;margin-bottom:24px}
.bnpl-article figure>header .visual-kicker{margin:0!important}
.bnpl-article figure>header h3{font:400 clamp(1.45rem,2.3vw,2rem)/1.2 var(--display);letter-spacing:-.02em;margin:0;text-align:right;color:var(--forest)}
.metric-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
.metric{display:flex;min-height:170px;flex-direction:column;justify-content:space-between;background:var(--paper);padding:22px}
.metric-label{font-size:.8rem;color:var(--muted)}
.metric strong{font:400 clamp(1.7rem,3vw,2.5rem)/1 var(--display);letter-spacing:-.04em;color:var(--forest);white-space:nowrap}
.metric-change{font-size:.78rem;color:var(--gold)}
.metric-dark{background:var(--forest);color:var(--ivory)}
.metric-dark strong{color:var(--ivory)}
.metric-dark .metric-label{color:#d9e1d9}
.metric-dark .metric-change{color:var(--gold-light)}
.account-note{margin-top:18px;padding:16px 18px;background:var(--warm);display:flex;gap:8px 16px;align-items:baseline;font-size:.9rem}
.channel-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.channel-card{padding:22px 18px 20px;background:var(--soft);border-top:3px solid var(--gold)}
.channel-icon{display:grid;place-items:center;width:42px;height:42px;border:1px solid var(--forest);color:var(--forest);font-size:1.3rem;margin-bottom:24px}
.channel-card h4{font:400 1.25rem/1.25 var(--display);margin:0 0 10px;color:var(--forest)}
.channel-card p{font-size:.86rem;line-height:1.55;margin:0 0 14px}
.channel-card strong{display:block;font-size:.78rem;line-height:1.55;color:var(--gold)}
.provider-table-wrap{max-width:100%;overflow:auto;overscroll-behavior-inline:contain;margin:34px 0 24px;border:1px solid var(--line);background:var(--paper)}
.provider-table{border-collapse:collapse;width:100%;font-size:.87rem;line-height:1.55}
.provider-table caption{text-align:left;font:400 1.45rem/1.3 var(--display);padding:20px 22px;color:var(--forest);border-bottom:1px solid var(--line)}
.provider-table th,.provider-table td{text-align:left;vertical-align:top;padding:18px;border-bottom:1px solid var(--line)}
.provider-table thead th{font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;background:var(--forest);color:var(--ivory)}
.provider-table tbody th{width:18%;font-size:1rem;color:var(--forest)}
.provider-table tbody th small{display:block;font-weight:400;font-size:.73rem;line-height:1.45;color:var(--muted);margin-top:6px}
.provider-table td:nth-child(2){width:21%}
.provider-table td:nth-child(3){width:20%}
.provider-table td:nth-child(4){width:41%}
.provider-table tbody tr:hover{background:#f7f3e9}
.status{display:table;width:max-content;max-width:100%;padding:5px 8px;margin:0 0 10px;font-size:.69rem;line-height:1.35;font-weight:750;letter-spacing:.035em;text-transform:uppercase;border:1px solid currentColor}
.status-claim{color:#17624f;background:#e3f1eb}
.status-specific{color:#73501e;background:#fbf0d6}
.status-none{color:#5f6260;background:#f0f0ed}
.disclosure-note{max-width:none!important;margin:0;padding:18px 22px;background:var(--warm);border-left:4px solid var(--gold);font-size:.89rem;line-height:1.65}
.balance-layout{display:grid;grid-template-columns:minmax(0,1fr) 220px;gap:24px}
.chart-panel{min-width:0;border:1px solid var(--line);background:#fcfbf5;padding:14px}
.balance-chart{display:block;width:100%;height:auto;overflow:visible}
.chart-grid line{stroke:#d6dcd3;stroke-width:1}
.chart-axis text,.chart-points .date{fill:#53665e;font:14px var(--body)}
.chart-area{fill:url(#area-fill)}
.chart-line{fill:none;stroke:#103f35;stroke-width:5;stroke-linecap:round;stroke-linejoin:round}
.chart-points circle{fill:#f7f5ed;stroke:#7b5c2d;stroke-width:4}
.chart-points text{fill:#103f35;font:700 15px var(--body)}
.mobile-bars{display:none}
.chart-context{display:grid;gap:12px}
.chart-context>div{display:flex;flex-direction:column;justify-content:center;padding:18px;background:var(--forest);color:var(--ivory)}
.chart-context strong{font:400 2rem/1 var(--display);color:var(--gold-light);margin-bottom:10px}
.chart-context span{font-size:.78rem;line-height:1.55;color:#e4ebe6}
.stock-flow-note{display:grid;grid-template-columns:180px 1fr;gap:20px;margin:20px 0 0;padding:18px 20px;background:var(--warm);font-size:.88rem;line-height:1.55}
.stock-flow-note strong{color:var(--forest)}
.data-table summary{font-weight:700;color:var(--forest)}
.data-table .table-region{margin-bottom:0}
.regulatory-timeline{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:0}
.regulatory-timeline li{position:relative;padding:36px 16px 0;margin:0;border-top:3px solid var(--forest);min-height:210px}
.regulatory-timeline li::before{content:"";position:absolute;top:-9px;left:16px;width:14px;height:14px;border-radius:50%;background:var(--ivory);border:3px solid var(--gold)}
.regulatory-timeline time{display:block;font-size:.75rem;color:var(--gold);font-weight:750;margin-bottom:14px}
.regulatory-timeline strong{display:block;font:400 1.16rem/1.25 var(--display);color:var(--forest);margin-bottom:10px}
.regulatory-timeline span{display:block;font-size:.78rem;line-height:1.55;color:var(--muted)}
.regulator-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin:30px 0}
.regulator-grid>div{padding:20px;border:1px solid var(--line);background:var(--paper)}
.regulator-grid span{display:block;font-size:.75rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.regulator-grid strong{font:400 2rem/1.2 var(--display);color:var(--forest)}
.regulator-grid p{font-size:.82rem;margin:4px 0 0}
.map-summary{max-width:76ch!important;margin-bottom:28px!important;color:var(--muted)}
.map-centre{width:min(470px,100%);margin:0 auto;padding:20px;text-align:center;background:var(--forest);color:var(--ivory);border:5px solid var(--soft)}
.map-centre span,.map-centre strong{display:block}
.map-centre span{font-size:.75rem;text-transform:uppercase;letter-spacing:.08em;color:var(--gold-light)}
.map-centre strong{font:400 1.5rem/1.35 var(--display);margin-top:4px}
.map-question{position:relative;width:max-content;max-width:100%;margin:28px auto 36px;padding:10px 18px;border:1px solid var(--gold);color:var(--forest);font-size:.85rem;font-weight:700;text-align:center}
.map-question::before,.map-question::after{content:"";position:absolute;left:50%;width:1px;height:29px;background:var(--gold)}
.map-question::before{bottom:100%}
.map-question::after{top:100%}
.contract-grid{position:relative;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.contract-grid::before{content:"";position:absolute;left:16.66%;right:16.66%;top:-18px;border-top:1px solid var(--gold)}
.contract-card{position:relative;padding:20px;background:var(--soft);border-top:4px solid var(--forest)}
.contract-card::before{content:"";position:absolute;left:50%;bottom:100%;height:18px;border-left:1px solid var(--gold)}
.contract-route{display:block;font-size:.72rem;line-height:1.45;text-transform:uppercase;letter-spacing:.045em;color:var(--gold);min-height:42px}
.contract-card h4{font:400 1.35rem/1.25 var(--display);color:var(--forest);margin:12px 0}
.contract-card h4 small{display:block;font:600 .7rem/1.4 var(--body);text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
.contract-card p{font-size:.84rem;line-height:1.55}
.contract-card a{font-size:.78rem;font-weight:700}
.safeguard-band{position:relative;margin-top:38px;padding:22px;background:var(--warm);border-top:4px solid var(--gold)}
.safeguard-band::before{content:"";position:absolute;left:50%;bottom:100%;height:38px;border-left:1px solid var(--gold)}
.safeguard-band>h4{font:400 1.35rem/1.3 var(--display);color:var(--forest);margin:0 0 18px;text-align:center}
.safeguard-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:rgba(123,92,45,.25)}
.safeguard-grid>div{padding:16px;background:var(--paper)}
.safeguard-grid strong,.safeguard-grid span{display:block}
.safeguard-grid strong{font-size:.8rem;color:var(--forest);margin-bottom:7px}
.safeguard-grid span{font-size:.75rem;line-height:1.55;color:var(--muted)}
.claim-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}
.claim-grid article{padding:22px;background:var(--paper)}
.claim-grid h4{font:400 1.4rem/1.25 var(--display);color:var(--forest);margin:0 0 16px}
.claim-grid p{font-size:.83rem;line-height:1.6}
.revenue-flow{display:grid;gap:9px;margin-top:20px}
.revenue-flow>div{display:grid;grid-template-columns:110px 30px minmax(0,1fr) 30px 100px;gap:8px;align-items:center;padding:13px 16px;background:var(--soft);font-size:.8rem;text-align:center}
.revenue-flow b{font-size:1.2rem;color:var(--gold)}
.revenue-flow strong{color:var(--forest)}
.threshold-card{display:grid;grid-template-columns:250px 1fr;gap:28px;align-items:center;margin:30px 0;padding:26px 28px;background:var(--forest);color:var(--ivory)}
.threshold-card div span,.threshold-card div strong{display:block}
.threshold-card div span{font-size:.73rem;line-height:1.5;color:var(--gold-light);text-transform:uppercase;letter-spacing:.06em}
.threshold-card div strong{font:400 2.7rem/1.1 var(--display);margin-top:6px}
.threshold-card p{font-size:.88rem;line-height:1.65;margin:0;color:#e1e9e4}
.checkout-journey{counter-reset:journey;list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.checkout-journey li{position:relative;margin:0;padding:20px;background:var(--soft);min-height:175px}
.checkout-journey li>span{display:block;font-size:.72rem;color:var(--gold);margin-bottom:22px}
.checkout-journey strong{font:400 1.2rem/1.3 var(--display);display:block;color:var(--forest);margin-bottom:10px}
.checkout-journey p{font-size:.8rem;line-height:1.55;margin:0}
.checkout-journey li:nth-child(4),.checkout-journey li:nth-child(5),.checkout-journey li:nth-child(6){background:var(--warm)}
.commitment-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:14px;margin:32px 0}
.commitment-grid article{position:relative;grid-column:span 2;padding:24px 20px;background:var(--paper);border:1px solid var(--line);border-top:4px solid var(--forest)}
.commitment-grid article:nth-child(4){grid-column:2/span 2}
.commitment-grid article:nth-child(5){grid-column:4/span 2}
.commitment-grid article>span{display:grid;place-items:center;width:34px;height:34px;border:1px solid var(--gold);color:var(--gold);font-size:.8rem}
.commitment-grid h3{font:400 1.35rem/1.3 var(--display);color:var(--forest);margin:22px 0 12px}
.commitment-grid p{font-size:.84rem;line-height:1.6;margin:0}
.conclusion blockquote{max-width:760px;margin:34px 0;padding:12px 0 12px 28px;border-left:5px solid var(--gold)}
.conclusion blockquote p{font:400 clamp(1.35rem,2.4vw,1.85rem)/1.5 var(--display);color:var(--forest);margin:0}
.source-groups{display:grid;gap:0;border-top:1px solid var(--line);margin:30px 0}
.source-groups details{margin:0;border-bottom:1px solid var(--line)}
.source-groups summary{font:400 1.12rem/1.4 var(--display);color:var(--forest);padding:18px 0}
.source-groups ul{font-size:.86rem}
.source-groups p{font-size:.88rem}
.publication-note{max-width:none!important;padding:20px 22px;background:var(--warm);border-left:4px solid var(--gold);font-size:.88rem;line-height:1.65}
.publication-note strong{display:block;color:var(--forest);margin-bottom:4px}

@media(max-width:1099px){.hero-grid{grid-template-columns:minmax(0,1.4fr) minmax(250px,.6fr);gap:40px}
.article-layout{grid-template-columns:190px minmax(0,1fr);gap:32px}
.metric-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
.channel-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
.balance-layout{grid-template-columns:1fr}
.chart-context{grid-template-columns:repeat(3,minmax(0,1fr))}
.regulatory-timeline{grid-template-columns:repeat(5,minmax(150px,1fr));overflow-x:auto;padding-top:10px}
.safeguard-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}

@media(max-width:760px){.bnpl-hero{padding:24px 0 38px}
.hero-grid{display:block}
.hero-visual{min-height:0;margin-top:34px}
.receipt-card{width:100%;transform:none}
.article-meta{display:block}
.article-meta span{display:block;margin:5px 0}
.article-meta span::after{display:none}
.article-layout{display:block;padding-top:28px}
.bnpl-article>section{padding-top:42px}
.bnpl-article h2{max-width:none}
.bnpl-article figure{padding:20px 16px;margin-inline:0}
.bnpl-article figure>header{display:block}
.bnpl-article figure>header h3{text-align:left;margin-top:8px}
.scenario-card{padding:22px;box-shadow:10px 10px 0 var(--soft)}
.metric-grid,.channel-grid,.contract-grid,.claim-grid,.checkout-journey{grid-template-columns:1fr}
.metric{min-height:145px}
.account-note{display:block}
.provider-table-wrap{border:0;overflow:visible}
.provider-table,.provider-table tbody,.provider-table tr,.provider-table th,.provider-table td{display:block;width:100%!important}
.provider-table caption{border:1px solid var(--line)}
.provider-table thead{position:absolute;width:1px;height:1px;overflow:hidden;clip-path:inset(50%)}
.provider-table tbody tr{margin:16px 0;border:1px solid var(--line);background:var(--paper)}
.provider-table th,.provider-table td{display:grid;grid-template-columns:130px minmax(0,1fr);gap:14px;border-bottom:1px solid var(--line);padding:15px}
.provider-table tr>*::before{content:attr(data-label);font-size:.68rem;text-transform:uppercase;letter-spacing:.055em;color:var(--gold);font-weight:750}
.provider-table tbody th{font-size:1rem}
.provider-table tbody th small{grid-column:2}
.status{width:auto}
.chart-panel{padding:14px;overflow:visible}
.balance-chart{display:none}
.mobile-bars{display:grid;gap:18px}
.mobile-bars>div{display:grid;gap:8px}
.mobile-bars span{display:flex;justify-content:space-between;gap:18px;font-size:.78rem}
.mobile-bars b{font-weight:600;color:var(--muted)}
.mobile-bars strong{color:var(--forest)}
.mobile-bars i{display:block;width:100%;height:13px;background:var(--soft);position:relative}
.mobile-bars i::before{content:"";display:block;width:var(--bar);height:100%;background:linear-gradient(90deg,var(--forest),#367a67);border-right:3px solid var(--gold)}
.chart-context{grid-template-columns:1fr}
.stock-flow-note{grid-template-columns:1fr;gap:6px}
.regulatory-timeline{display:block;overflow:visible;border-left:3px solid var(--forest);padding:0 0 0 20px;margin-left:8px}
.regulatory-timeline li{min-height:0;border-top:0;padding:0 0 28px 18px}
.regulatory-timeline li::before{top:4px;left:-29px}
.regulator-grid{grid-template-columns:1fr}
.contract-grid::before,.contract-card::before,.map-question::after{display:none}
.contract-card{margin-bottom:4px}
.safeguard-band{margin-top:18px}
.safeguard-band::before{display:none}
.safeguard-grid{grid-template-columns:1fr}
.revenue-flow>div{grid-template-columns:1fr;gap:5px;text-align:left}
.revenue-flow b{transform:rotate(90deg);width:max-content}
.threshold-card{grid-template-columns:1fr;gap:18px}
.commitment-grid{display:block}
.commitment-grid article{margin:14px 0}
.conclusion blockquote{padding-left:20px}
.source-groups summary{font-size:1.02rem}
}

@media(max-width:420px){.provider-table th,.provider-table td{grid-template-columns:1fr;gap:6px}
.provider-table tbody th small{grid-column:auto}
.receipt-card{padding:26px 22px}
.receipt-card>strong{font-size:3rem}
.instalments{grid-template-columns:repeat(2,1fr)}
.bnpl-article figure{padding-inline:13px}
.threshold-card{padding:22px}
}

@media print{.bnpl-hero{background:white;padding-block:20px}
.hero-grid{display:block}
.hero-visual{display:none}
.article-layout{display:block;padding:0}
.bnpl-article{max-width:none}
.bnpl-article figure{box-shadow:none;break-inside:avoid}
.provider-table{display:table}
.provider-table thead{position:static;width:auto;height:auto;clip-path:none}
.provider-table tbody{display:table-row-group}
.provider-table tr{display:table-row}
.provider-table th,.provider-table td{display:table-cell}
.provider-table tr>*::before{display:none}
.balance-chart{min-width:0}
.source-groups details{display:block}
.source-groups details>*{display:block}
.publication-note{border:1px solid var(--line)}
}