/* Layout: white header, blue hero panel, white cards on a cool-grey page. Brand: #0080FF + #565656, Outfit. */
@font-face{font-family:"Outfit";src:url("fonts/Outfit.woff2") format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
:root{
  --blue:#0080FF;        /* brand blue: buttons, icons, highlights */
  --blue-ink:#0066CC;    /* same hue, darker: small link text on white (passes WCAG AA) */
  --blue-50:#EDF6FF;
  --blue-100:#D3E8FF;
  --grey:#565656;        /* brand grey: all body text and headings */
  --muted:#6E6E6E;
  --line:#E4EAF1;
  --bg:#F4F7FB;
  --card:#FFFFFF;
  --warn-bg:#FFF6E5;--warn-line:#F3C46B;
  --font:"Outfit",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --radius:16px;
  --shadow:0 1px 2px rgba(16,40,72,.06),0 4px 14px rgba(16,40,72,.05);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:400 17px/1.65 var(--font);color:var(--grey);background:var(--bg);overflow-x:clip}
h1,h2,h3{font-weight:700;line-height:1.2;text-wrap:balance;letter-spacing:-.01em}
a{color:var(--blue-ink)}
img{max-width:100%}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px;border-radius:6px}
.wrap{max-width:1160px;margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}

/* icons */
.ic{width:20px;height:20px;flex:none}
.tile{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:12px;background:var(--blue-50);color:var(--blue);flex:none}
.tile .ic{width:22px;height:22px}
.tile.solid{background:var(--blue);color:#fff;width:26px;height:26px;border-radius:8px}
.tile.solid .ic{width:16px;height:16px;stroke-width:3}
.tile.lg{width:52px;height:52px;border-radius:14px}
.tile.lg .ic{width:28px;height:28px}

/* header */
.site-header{background:var(--card);position:sticky;top:env(safe-area-inset-top,0px);z-index:20;box-shadow:0 1px 0 var(--line)}
.header-row{display:flex;align-items:center;gap:18px;height:66px}
.logo{display:flex;align-items:center;gap:10px;color:var(--grey);text-decoration:none;font-weight:800;font-size:1.3rem;white-space:nowrap;letter-spacing:-.01em}
.logo-mark{width:36px;height:36px;display:block}
.logo-sub{font-weight:400;color:var(--muted)}
.search{flex:1;display:flex;align-items:center;gap:8px;background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:0 6px 0 14px;max-width:560px;margin-left:auto}
.search .ic{color:var(--muted);width:18px;height:18px}
.search input{flex:1;min-width:0;border:0;background:transparent;padding:10px 4px;font:inherit;font-size:15.5px;color:var(--grey);outline:none}
.search:focus-within{border-color:var(--blue);background:#fff}
.menu-btn{display:none;background:none;border:0;color:var(--grey);cursor:pointer;padding:8px;margin-left:auto}
.menu-btn .ic{width:26px;height:26px}
.cat-nav .wrap{display:flex;gap:2px;overflow-x:auto;scrollbar-width:none;padding-block:0 10px}
.cat-nav a{display:flex;align-items:center;gap:7px;color:var(--grey);text-decoration:none;font-size:15px;font-weight:500;padding:7px 12px;border-radius:999px;white-space:nowrap}
.cat-nav a .ic{width:18px;height:18px;color:var(--blue)}
.cat-nav a:hover{background:var(--blue-50);color:var(--blue-ink)}

/* main */
main{padding-block:22px 48px}
h1{font-size:2rem;margin:.25em 0 .5em}
.crumbs{font-size:14px;color:var(--muted)}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--blue-ink)}
.section-title{font-size:1.45rem;margin:38px 0 14px}

/* hero */
.hero{background:var(--blue);color:#fff;border-radius:24px;padding:40px 24px 36px;text-align:center}
.hero h1{font-size:2.5rem;margin:0 0 8px;color:#fff}
.hero-sub{margin:0 auto 22px;max-width:560px;font-size:1.12rem;color:#fff}
.search.big{max-width:640px;margin:0 auto;background:#fff;border:0;padding:6px 6px 6px 18px;box-shadow:0 8px 24px rgba(0,40,90,.18)}
.search.big .ic{width:22px;height:22px}
.search.big input{font-size:17px;padding:10px 4px}
.search.big button{background:var(--blue);color:#fff;border:0;border-radius:999px;padding:11px 24px;font:700 19px/1 var(--font);cursor:pointer}
.search.big button:hover{background:var(--blue-ink)}
main > h1 + .search.big{margin:0 0 20px;box-shadow:var(--shadow);border:1px solid var(--line)}

/* key numbers */
.numbers{margin-top:18px}
.numbers-head{display:flex;justify-content:space-between;align-items:center;gap:10px;flex-wrap:wrap;margin-bottom:12px}
.numbers-head h2{font-size:1.2rem;margin:0}
.numbers-head span{display:flex;align-items:center;gap:6px;font-size:14px;color:var(--muted)}
.numbers-head .ic{width:16px;height:16px}
.numbers ul{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:12px}
.numbers a{display:flex;flex-direction:column;gap:4px;padding:14px;border-radius:var(--radius);background:var(--card);box-shadow:var(--shadow);text-decoration:none;color:var(--grey);height:100%;transition:transform .15s}
.numbers a:hover{transform:translateY(-2px)}
.numbers .tile{width:36px;height:36px;margin-bottom:6px}
.kn-label{font-size:13.5px;color:var(--muted);line-height:1.3}
.numbers strong{font-size:1.15rem;font-weight:700;font-variant-numeric:tabular-nums;line-height:1.25}

/* quick answer cards */
.answer-grid{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.qa{background:var(--card);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow);display:flex;flex-direction:column}
.qa-head{display:flex;align-items:center;gap:12px}
.qa-q{font-weight:700;font-size:1.15rem;color:var(--grey);text-decoration:none}
.qa-q:hover{color:var(--blue-ink)}
.qa p{margin:12px 0 14px;font-size:15.5px;line-height:1.6;flex:1}
.qa strong{font-weight:700}
.qa-more{display:inline-flex;align-items:center;gap:6px;font-size:15px;font-weight:600;text-decoration:none;color:var(--blue-ink)}
.qa-more .ic{width:16px;height:16px}
.qa-more:hover{gap:9px}

/* tap-to-dial USSD chips */
a.dial{display:inline-block;background:var(--blue-50);color:var(--blue-ink);font-weight:700;font-size:.95em;padding:0 9px;border-radius:8px;border:1px solid var(--blue-100);text-decoration:none;white-space:nowrap;font-variant-numeric:tabular-nums}
a.dial:hover{background:var(--blue);border-color:var(--blue);color:#fff}

/* all-guides directory */
.directory{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.directory > div{background:var(--card);border-radius:var(--radius);padding:16px 18px;box-shadow:var(--shadow)}
.directory h3{font-size:1.05rem;margin:0 0 8px}
.directory h3 a{display:flex;align-items:center;gap:10px;color:var(--grey);text-decoration:none}
.directory h3 .tile{width:34px;height:34px;border-radius:10px}
.directory ul{list-style:none;padding:0;margin:0}
.directory li a{display:block;padding:7px 0;border-top:1px solid var(--line);text-decoration:none;font-size:15.5px;color:var(--grey)}
.directory li a:hover{color:var(--blue-ink)}

/* category pages */
.cat-title{display:flex;align-items:center;gap:14px}
.rows{list-style:none;padding:0;margin:10px 0;display:grid;gap:10px}
.row a{display:flex;align-items:center;gap:14px;padding:16px 18px;background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);text-decoration:none;color:var(--grey)}
.row a > div{flex:1;min-width:0;display:flex;flex-direction:column;gap:3px}
.row a:hover{box-shadow:0 0 0 2px var(--blue)}
.row strong{font-size:1.12rem;font-weight:700}
.row span{font-size:15px;color:var(--muted)}
.row span strong{font-size:inherit;color:var(--grey)}
.row code{background:none;padding:0;color:inherit;font:inherit;font-weight:700}
.chev{color:var(--blue)}

/* search results and tool cards */
.card-list{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.card-list.grid{grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:14px}
.card a{display:flex;flex-direction:column;gap:4px;background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);padding:16px 18px;text-decoration:none;color:var(--grey);height:100%}
.card a:hover{box-shadow:0 0 0 2px var(--blue)}
.card-cat{display:flex;align-items:center;gap:6px;font-size:12.5px;color:var(--blue-ink);font-weight:600;text-transform:uppercase;letter-spacing:.06em}
.card-cat .ic{width:16px;height:16px;color:var(--blue)}
.card-title{font-weight:700;font-size:1.08rem;line-height:1.35}
.card-desc{color:var(--muted);font-size:15px}

/* article */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:28px;align-items:start}
.article{background:var(--card);border-radius:20px;padding:26px 32px;box-shadow:var(--shadow);min-width:0}
.article.narrow{max-width:820px;margin:0 auto}
.article h1{font-size:2.1rem}
.answer{background:var(--blue-50);border:1px solid var(--blue-100);border-radius:var(--radius);padding:18px 20px;margin:16px 0 8px}
.answer-label{display:flex;align-items:center;gap:10px;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue-ink)}
.answer p{margin:10px 0 10px;font-size:1.15rem;line-height:1.65}
.answer-foot{display:flex;align-items:center;gap:6px;font-size:13.5px;color:var(--muted)}
.answer-foot .ic{width:15px;height:15px}
.toc{background:var(--bg);border-radius:12px;padding:12px 16px;margin:16px 0}
.toc summary{font-weight:600;cursor:pointer}
.toc ol{margin:8px 0 4px;padding-left:22px}
.prose h2{font-size:1.45rem;margin:1.7em 0 .5em;scroll-margin-top:140px}
.prose h3{font-size:1.15rem;margin:1.3em 0 .4em}
.prose li{margin:.3em 0}
.prose li::marker{color:var(--blue);font-weight:700}
.prose strong{font-weight:600}
.prose code{background:var(--blue-50);padding:1px 7px;border-radius:6px;font:inherit;font-size:.95em;font-weight:700;color:var(--blue-ink)}
.table-scroll{overflow-x:auto;margin:1em 0;border:1px solid var(--line);border-radius:12px}
table{border-collapse:collapse;width:100%;font-size:15.5px;font-variant-numeric:tabular-nums}
th,td{padding:10px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:var(--blue-50);font-weight:600;color:var(--grey)}
tr:last-child td{border-bottom:0}
blockquote{margin:1.2em 0;padding:14px 18px;background:var(--blue-50);border-radius:12px}
blockquote p{margin:.3em 0}
.callout-warning,.callout-scam-alert,.callout-important{background:var(--warn-bg);box-shadow:inset 0 0 0 1px var(--warn-line)}
.verify{font-size:14px;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:30px}
.share{display:flex;flex-wrap:wrap;align-items:center;gap:8px;font-size:14px;margin:12px 0 20px}
.share a{padding:6px 14px;border-radius:999px;background:var(--blue-50);text-decoration:none;font-weight:600}
.share a:hover{background:var(--blue);color:#fff}
.related h2{font-size:1.25rem}
.related .answer-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.related .qa{box-shadow:none;border:1px solid var(--line)}
.sidebar{position:sticky;top:150px;display:flex;flex-direction:column;gap:16px}
.side-box{background:var(--card);border-radius:var(--radius);padding:16px 18px;box-shadow:var(--shadow)}
.side-box h3{margin:0 0 6px;font-size:1.02rem}
.side-box ul{list-style:none;margin:0;padding:0}
.side-box li a{display:block;padding:7px 0;border-top:1px solid var(--line);text-decoration:none;font-size:15.5px;color:var(--grey)}
.side-box li a:hover{color:var(--blue-ink)}

/* ads */
.ad{margin:22px 0;text-align:center;min-height:100px}
.ad-label{display:block;font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;margin-bottom:2px}
.ad-placeholder{display:grid;place-items:center;background:repeating-linear-gradient(45deg,#EEF2F7,#EEF2F7 10px,#E8EDF4 10px,#E8EDF4 20px);border-radius:var(--radius);color:#8A94A1;font-size:12px;text-transform:uppercase;letter-spacing:.12em}
.ad-side{min-height:250px;margin:0}

/* calculators */
.tool{background:var(--card);border-radius:20px;padding:22px;max-width:720px;box-shadow:var(--shadow)}
.tool label{display:block;font-weight:600;margin:14px 0 6px}
.tool input,.tool select{width:100%;padding:12px 14px;font:inherit;font-size:17px;color:var(--grey);border:1px solid var(--line);border-radius:12px;background:var(--bg)}
.tool input:focus,.tool select:focus{outline:none;border-color:var(--blue);background:#fff}
.tool input[type=checkbox]{width:auto;accent-color:var(--blue)}
.tool .result{margin-top:18px;background:var(--blue-50);border-radius:14px;padding:16px 18px;font-size:1.05rem}
.tool .result strong{font-size:1.5rem;color:var(--blue-ink)}
.tool .small{font-size:14px;color:var(--muted)}
.lead{font-size:1.1rem;color:var(--muted)}

/* footer */
.site-footer{background:var(--grey);color:#fff;padding-block:36px 20px;font-size:15px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:24px}
.site-footer strong{display:block;margin-bottom:8px;font-weight:700}
.site-footer p{margin:0;opacity:.92}
.site-footer a{display:block;color:#fff;text-decoration:none;padding:3px 0;opacity:.92}
.site-footer a:hover{opacity:1;text-decoration:underline}
.copy{margin-top:24px;border-top:1px solid rgba(255,255,255,.2);padding-top:14px;font-size:13.5px;opacity:.85}

.home .header-row .search{display:none}

/* responsive */
@media (max-width:980px){
  .layout{grid-template-columns:1fr}.sidebar{position:static}
  .answer-grid,.directory,.related .answer-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .numbers ul{grid-template-columns:repeat(3,minmax(0,1fr))}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  body{font-size:16.5px}
  .header-row{flex-wrap:wrap;height:auto;padding-block:10px;gap:10px}
  .header-row .search{order:3;flex-basis:100%;max-width:none}
  .menu-btn{display:block}
  .cat-nav{display:none}
  .nav-open .cat-nav{display:block}
  .nav-open .cat-nav .wrap{flex-direction:column;padding-block:0 12px}
  main{padding-block:14px 32px}
  h1,.article h1{font-size:1.6rem}
  .hero{padding:28px 18px;border-radius:20px}
  .hero h1{font-size:1.85rem}
  .hero-sub{font-size:1rem}
  .search.big{padding-left:14px}
  .search.big button{padding:11px 16px;font-size:18.7px}
  .article{padding:18px;border-radius:16px}
  .answer-grid,.directory,.related .answer-grid,.card-list.grid{grid-template-columns:1fr}
  .numbers ul{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
  .footer-grid{grid-template-columns:1fr}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}

/* mobile money calculator */
.mm-total{font-size:1.1rem;margin-bottom:10px}
.mm-total strong{font-size:1.7rem}
.mm-lines{display:grid;grid-template-columns:1fr auto;gap:6px 16px;font-size:15.5px;border-top:1px solid var(--blue-100);padding-top:10px}
.mm-lines b{font-weight:600;text-align:right;font-variant-numeric:tabular-nums}
.mm-own{margin-top:14px}
.mm-own summary{cursor:pointer;font-weight:600;color:var(--blue-ink)}
.prose .src{font-size:13.5px;color:var(--muted);margin-top:-6px}
@media (min-width:641px){.cat-nav .wrap{flex-wrap:wrap;overflow:visible;row-gap:2px;gap:0}.cat-nav a{padding:6px 8px;gap:6px;font-size:14.5px}}