:root{--ti-ink:#071a2b;--ti-ink-2:#0c2941;--ti-teal:#176c7a;--ti-cyan:#42c9d3;--ti-sky:#e9f5ff;--ti-orange:#ffb457;--ti-paper:#fbfdff;--ti-muted:#526a7a;--ti-line:#d7e5ee;--ti-radius:22px;--ti-shadow:0 24px 70px rgba(7,26,43,.14)}
*{box-sizing:border-box}.ti-home{margin:0;background:var(--ti-paper);color:var(--ti-ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;line-height:1.65}.ti-home img{max-width:100%;height:auto}.ti-home a{color:inherit;text-decoration:none}.ti-shell{width:min(1180px,calc(100% - 40px));margin-inline:auto}.ti-skip{position:fixed;left:18px;top:-100px;z-index:9999;padding:10px 16px;background:#fff;border:2px solid var(--ti-cyan);border-radius:10px}.ti-skip:focus{top:14px}.ti-header{position:sticky;top:0;z-index:100;background:rgba(251,253,255,.94);backdrop-filter:blur(18px);border-bottom:1px solid rgba(215,229,238,.9)}.ti-header__inner{height:82px;display:flex;align-items:center;justify-content:space-between;gap:28px}.ti-brand{display:flex;width:276px}.ti-nav{display:flex;align-items:center;gap:30px;font-size:15px;font-weight:700}.ti-nav>a:not(.ti-button):hover{color:var(--ti-teal)}.ti-menu{display:none;width:46px;height:42px;border:0;background:transparent;padding:8px;cursor:pointer}.ti-menu span{display:block;height:2px;background:var(--ti-ink);margin:6px 0;border-radius:2px}.ti-button{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:12px 22px;border-radius:13px;background:var(--ti-cyan);color:var(--ti-ink)!important;font-weight:800;box-shadow:0 10px 28px rgba(66,201,211,.24);transition:transform .2s,box-shadow .2s}.ti-button:hover{transform:translateY(-2px);box-shadow:0 14px 32px rgba(66,201,211,.34)}.ti-button--small{min-height:42px;padding:8px 18px}.ti-button--ghost{background:transparent;border:1px solid rgba(7,26,43,.18);box-shadow:none}.ti-hero{padding:84px 0 70px;overflow:hidden;background:linear-gradient(145deg,#fff 0,#f5fbff 55%,#e9f5ff 100%)}.ti-hero__grid{display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:76px}.ti-kicker,.ti-eyebrow{text-transform:uppercase;letter-spacing:.13em;font-size:13px;font-weight:900;color:var(--ti-teal)}.ti-kicker{display:flex;align-items:center;gap:12px}.ti-kicker span{width:42px;height:3px;background:var(--ti-orange);border-radius:3px}.ti-hero h1{font-size:clamp(48px,6vw,78px);line-height:1.02;letter-spacing:-.055em;margin:20px 0 26px;max-width:760px}.ti-lead{font-size:20px;color:var(--ti-muted);max-width:680px;margin:0}.ti-actions{display:flex;gap:14px;margin:34px 0 26px}.ti-trust{display:flex;flex-wrap:wrap;gap:12px 24px;padding:0;margin:0;list-style:none;color:#345365;font-size:14px;font-weight:650}.ti-trust li::before{content:"✓";color:var(--ti-teal);font-weight:900;margin-right:7px}.ti-people-hero{position:relative;margin:0;min-height:490px;border-radius:36px;background:#071a2b;box-shadow:var(--ti-shadow);overflow:hidden}.ti-people-hero picture,.ti-people-hero img{display:block;width:100%;height:100%}.ti-people-hero img{position:absolute;inset:0;object-fit:cover}.ti-people-hero::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 48%,rgba(3,17,30,.86) 100%);pointer-events:none}.ti-people-hero figcaption{position:absolute;left:24px;right:24px;bottom:22px;z-index:2;background:rgba(3,17,30,.72);border:1px solid rgba(139,227,232,.24);border-radius:15px;padding:13px 16px;color:#fff;display:flex;flex-direction:column;backdrop-filter:blur(8px)}.ti-people-hero figcaption span{color:#d3e7f1;font-size:12px}.ti-status{background:var(--ti-orange);color:var(--ti-ink)}.ti-status__inner{display:grid;grid-template-columns:180px 1fr;align-items:center;gap:24px;padding-block:22px}.ti-status p{margin:0}.ti-section{padding:100px 0}.ti-section--soft{background:#eef8fc}.ti-section__head{display:grid;grid-template-columns:1.25fr .75fr;gap:60px;align-items:end;margin-bottom:44px}.ti-section__head h2,.ti-method h2,.ti-criteria h2,.ti-faq h2{font-size:clamp(34px,4vw,54px);line-height:1.1;letter-spacing:-.035em;margin:8px 0 0}.ti-section__head>p{color:var(--ti-muted);margin:0}.ti-grid{display:grid;gap:20px}.ti-grid--four{grid-template-columns:repeat(4,1fr)}.ti-grid--three{grid-template-columns:repeat(3,1fr)}.ti-card,.ti-guide{border:1px solid var(--ti-line);border-radius:var(--ti-radius);background:#fff;padding:30px;min-height:280px;display:flex;flex-direction:column}.ti-card__num{font-size:13px;color:var(--ti-teal);font-weight:900}.ti-card h3,.ti-guide h3{font-size:24px;line-height:1.2;margin:24px 0 12px}.ti-card p,.ti-guide p{color:var(--ti-muted);margin:0}.ti-label{margin-top:auto;padding-top:26px;color:var(--ti-teal);font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.08em}.ti-guide span{color:var(--ti-teal);font-size:13px;font-weight:900;text-transform:uppercase;letter-spacing:.1em}.ti-section--ink{background:var(--ti-ink);color:#fff}.ti-method{display:grid;grid-template-columns:.88fr 1.12fr;gap:90px;align-items:start}.ti-method>div>p:last-child{color:#b9d7e7;font-size:18px}.ti-eyebrow--light{color:#8be3e8}.ti-levels{list-style:none;margin:0;padding:0;display:grid;gap:18px}.ti-levels li{display:grid;grid-template-columns:60px 1fr;gap:20px;padding:22px;border:1px solid rgba(185,215,231,.18);border-radius:18px;background:rgba(255,255,255,.035)}.ti-levels li>span{display:grid;place-items:center;width:50px;height:50px;border-radius:14px;background:var(--ti-cyan);color:var(--ti-ink);font-size:21px;font-weight:900}.ti-levels p{margin:4px 0 0;color:#b9d7e7}.ti-criteria{display:grid;grid-template-columns:.78fr 1.22fr;gap:80px;align-items:start}.ti-criteria>div>p:last-child{color:var(--ti-muted)}.ti-criteria dl{margin:0;display:grid;grid-template-columns:1fr 1fr;gap:18px}.ti-criteria dl div{padding:24px;background:#fff;border-radius:18px;border:1px solid var(--ti-line)}.ti-criteria dt{font-weight:900;font-size:18px}.ti-criteria dd{margin:6px 0 0;color:var(--ti-muted)}.ti-faq{max-width:900px;margin-inline:auto}.ti-faq details{border-bottom:1px solid var(--ti-line);padding:22px 0}.ti-faq summary{cursor:pointer;font-size:20px;font-weight:800}.ti-faq details p{color:var(--ti-muted);max-width:760px}.ti-footer{background:#03111e;color:#fff;padding:70px 0 24px}.ti-footer__grid{display:grid;grid-template-columns:1.2fr .55fr 1fr;gap:70px}.ti-footer__grid>div:first-child p,.ti-footer__grid>div:last-child p{color:#b9d7e7}.ti-footer__grid>div:nth-child(2){display:flex;flex-direction:column;gap:9px}.ti-footer__grid strong{color:#8be3e8}.ti-footer__bottom{margin-top:42px;padding-top:22px;border-top:1px solid rgba(185,215,231,.18);display:flex;justify-content:space-between;color:#8aaabc;font-size:13px}.ti-money{padding-top:82px;background:#fff}.ti-section__head--money{margin-bottom:24px}.ti-disclosure{margin:0 0 28px;padding:15px 18px;border-left:4px solid var(--ti-orange);border-radius:0 12px 12px 0;background:#fff7ec;color:#4c3a22;font-size:14px}.ti-product-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.ti-product-card{display:grid;grid-template-columns:150px 1fr;column-gap:24px;align-content:start;padding:28px;border:1px solid var(--ti-line);border-radius:24px;background:#fff;box-shadow:0 16px 40px rgba(7,26,43,.07)}.ti-product-card__visual{grid-row:1/7;display:grid;place-items:center;min-height:240px;border-radius:18px;background:linear-gradient(145deg,#071a2b,#176c7a);color:#fff;text-align:center;font-weight:900;letter-spacing:.08em}.ti-product-card__visual span{padding:14px}.ti-product-card__best{margin:0;color:var(--ti-teal);font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.07em}.ti-product-card h3{margin:7px 0 4px;font-size:28px;line-height:1.15}.ti-product-card__price{display:flex;flex-direction:column;margin:8px 0}.ti-product-card__price strong{font-size:27px}.ti-product-card__price span{color:var(--ti-muted);font-size:12px}.ti-product-card ul{margin:10px 0 12px;padding-left:18px;color:#29485a;font-size:14px}.ti-evidence-label{margin:0;color:#5a6f7c;font-size:12px;font-weight:800}.ti-product-card__actions{grid-column:1/-1;display:flex;align-items:center;gap:14px;margin-top:20px}.ti-commercial-link{font-weight:850;color:var(--ti-teal)}.ti-commercial-link.is-disabled{padding:10px 14px;border:1px dashed #91a9b6;border-radius:11px;color:#607985;cursor:not-allowed}.ti-programme-status{grid-column:1/-1;margin-top:12px;font-size:12px;color:var(--ti-muted)}.ti-programme-status summary{cursor:pointer;font-weight:800;color:#345365}.ti-compare-wrap{margin-top:34px;overflow-x:auto;border:1px solid var(--ti-line);border-radius:18px;background:#fff}.ti-compare-wrap:focus{outline:3px solid rgba(66,201,211,.45);outline-offset:3px}.ti-compare-table{width:100%;min-width:980px;border-collapse:collapse;font-size:14px}.ti-compare-table caption{text-align:left;padding:18px 20px;background:#eef8fc;font-weight:850}.ti-compare-table th,.ti-compare-table td{padding:16px;border-top:1px solid var(--ti-line);text-align:left;vertical-align:top}.ti-compare-table thead th{background:#071a2b;color:#fff;border-top:0}.ti-compare-table tbody th{font-size:16px}.ti-compare-table td small{display:block;color:var(--ti-muted)}.ti-compare-table td a{display:block;color:var(--ti-teal);font-weight:900}.ti-table-placeholder{display:block;margin-top:5px;color:#718894;font-size:11px}.ti-table-foot{margin:14px 0 0;text-align:right}.ti-table-foot a{color:var(--ti-teal);font-weight:900}
@media (max-width:980px){.ti-menu{display:block}.ti-nav{position:absolute;left:20px;right:20px;top:73px;display:none;flex-direction:column;align-items:stretch;gap:0;padding:14px;background:#fff;border:1px solid var(--ti-line);border-radius:16px;box-shadow:var(--ti-shadow)}.ti-nav.is-open{display:flex}.ti-nav a{padding:12px}.ti-nav .ti-button{margin-top:6px}.ti-hero{padding-top:56px}.ti-hero__grid,.ti-method,.ti-criteria{grid-template-columns:1fr;gap:46px}.ti-people-hero{min-height:430px}.ti-grid--four{grid-template-columns:1fr 1fr}.ti-section__head{grid-template-columns:1fr;gap:18px}.ti-product-grid{grid-template-columns:1fr}.ti-footer__grid{grid-template-columns:1fr 1fr}.ti-footer__grid>div:first-child{grid-column:1/-1}}
@media (max-width:640px){.ti-shell{width:min(100% - 28px,1180px)}.ti-header__inner{height:72px}.ti-brand{width:220px}.ti-hero{padding:42px 0 48px}.ti-hero h1{font-size:44px}.ti-lead{font-size:18px}.ti-actions{flex-direction:column}.ti-actions .ti-button{width:100%}.ti-trust{flex-direction:column;gap:8px}.ti-people-hero{min-height:430px;border-radius:24px}.ti-people-hero figcaption{left:14px;right:14px;bottom:14px}.ti-status__inner,.ti-grid--four,.ti-grid--three,.ti-criteria dl,.ti-footer__grid{grid-template-columns:1fr}.ti-status__inner{gap:4px}.ti-section{padding:72px 0}.ti-product-card{grid-template-columns:1fr}.ti-product-card__visual{grid-row:auto;min-height:150px;margin-bottom:18px}.ti-product-card__actions{flex-direction:column;align-items:stretch}.ti-product-card__actions .ti-button,.ti-commercial-link.is-disabled{text-align:center}.ti-card,.ti-guide{min-height:0}.ti-footer__grid>div:first-child{grid-column:auto}.ti-footer__bottom{flex-direction:column;gap:7px}}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
.ti-hero{padding:48px 0 42px}.ti-people-hero{min-height:360px}.ti-money{padding-top:58px}
@media (max-width:980px){.ti-hero{padding-top:42px}.ti-people-hero{min-height:360px}}
@media (max-width:640px){.ti-hero{padding:34px 0 36px}.ti-people-hero{min-height:320px}}

/* go-live 20260830: footer legal links white on dark */
.ti-footer a,.ti-footer nav a,.ti-global-footer-links a{color:#fff!important}
.ti-footer a:hover,.ti-footer a:focus-visible,.ti-footer nav a:hover,.ti-global-footer-links a:hover,.ti-global-footer-links a:focus-visible{color:#e4e7ec!important;text-decoration:underline}

/* go-live 20260830: homepage picks grid (also in includes/ratings.css) */
.xr-picks__grid{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(210px,1fr))}
.xr-pick{border:1px solid #d9e3eb;border-radius:14px;padding:16px;background:#fff;display:flex;flex-direction:column;gap:8px}