{
  "schema": "brand-kit@2",
  "palette": {
    "paper": "#F2F8F3",
    "surface": "#FFFFFF",
    "ink": "#091723",
    "ink_muted": "#09172399",
    "accent": "#FF4F40",
    "on_accent": "#FFFFFF",
    "night": "#112231",
    "on_night": "#FFFFFF",
    "roles_note": "Roles follow the live homepage (observed, https://monzo.com/, 2026-10-29): text #091723 (--color-navy-900); muted text #091723 at 60% (#09172399 = rgba(9,23,35,0.6); reads as #6B747B on white); white #FFFFFF on coral and on navy (body on navy/coral is white at 90%); grounds #FFFFFF, #F2F8F3 (--color-grey-100) and #112231 (--color-navy-800). The 2022 guide's values are kept in extras, scoped 'guide, 2022': deep navy #112231 as text, soft white #F2F8F3 on coral/navy, Grey 1 #75817E. Never use those three for homepage text.",
    "extras": [
      {
        "name": "hot-coral",
        "hex": "#FF4F40",
        "role": "The core brand colour: the card, the wordmark, the first impression. R255 G79 B64, C0 M83 Y74 K0, PMS 805 (Neon) / PMS 2346",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.15"
      },
      {
        "name": "soft-white",
        "hex": "#F2F8F3",
        "role": "Guide, 2022: light ground, and type/wordmark on hot coral and deep navy. On the live homepage #F2F8F3 is a GROUND (panels, account cards, nav track); text on coral/navy is #FFFFFF, not #F2F8F3. R242 G248 B243",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.16"
      },
      {
        "name": "deep-navy",
        "hex": "#112231",
        "role": "Guide, 2022: primary dark ground and dark type. On the live homepage #112231 is a GROUND only (footer, navy slides, Which? panel); text is #091723. R17 G34 B49, C100 M63 Y16 K78, PMS 2965",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.16"
      },
      {
        "name": "mid-orange",
        "hex": "#FE6B1B",
        "role": "Secondary palette: deeper in the brand experience. PMS 2018",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.20"
      },
      {
        "name": "pale-pink",
        "hex": "#FFD7F0",
        "role": "Secondary palette: panels and expressive grounds. PMS 516",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.20"
      },
      {
        "name": "neon-yellow",
        "hex": "#C3FF34",
        "role": "Secondary palette: expressive grounds and highlights. PMS 809 (Neon) / 396",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.20"
      },
      {
        "name": "mid-teal",
        "hex": "#016B83",
        "role": "Secondary palette: panels, expressive grounds. PMS 7708",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.20"
      },
      {
        "name": "pale-blue",
        "hex": "#BBF6E2",
        "role": "Secondary palette: panels, section dividers in the guide. PMS 628",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.20"
      },
      {
        "name": "deep-khaki",
        "hex": "#3A4920",
        "role": "Secondary palette: dark expressive grounds. PMS 5747",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.20"
      },
      {
        "name": "white",
        "hex": "#FFFFFF",
        "role": "UI palette (digital product only)",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "black",
        "hex": "#000000",
        "role": "UI palette (digital product only)",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "soft-white-1",
        "hex": "#E3EBE4",
        "role": "UI palette tint of soft white",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "grey-3",
        "hex": "#C9D0C6",
        "role": "UI palette grey",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "grey-2",
        "hex": "#AEB5A7",
        "role": "UI palette grey",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "grey-1",
        "hex": "#75817E",
        "role": "Guide, 2022: UI palette Grey 1. Not used for homepage text: muted text there is #091723 at 60%. UI palette grey",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "navy-2",
        "hex": "#2C3A43",
        "role": "UI palette navy tint (dark-mode surfaces)",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "navy-3",
        "hex": "#3B4C54",
        "role": "UI palette navy tint",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "deep-orange",
        "hex": "#ED5E11",
        "role": "UI palette orange tone",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "pale-orange",
        "hex": "#FF945A",
        "role": "UI palette orange tone",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "deep-pink",
        "hex": "#F365BF",
        "role": "UI palette pink tone",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "mid-pink",
        "hex": "#FFA9DF",
        "role": "UI palette pink tone",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "deep-neon",
        "hex": "#A3DC1A",
        "role": "UI palette neon tone",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "pale-neon",
        "hex": "#D9FF6F",
        "role": "UI palette neon tone",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "deep-teal",
        "hex": "#004E60",
        "role": "UI palette teal tone",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "pale-teal",
        "hex": "#2EAFC0",
        "role": "UI palette teal tone",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "deep-blue",
        "hex": "#68CDB5",
        "role": "UI palette blue tone (as printed in the guide)",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "mid-blue",
        "hex": "#8CE6D1",
        "role": "UI palette blue tone (as printed in the guide)",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "mid-khaki",
        "hex": "#61763D",
        "role": "UI palette khaki tone",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "pale-khaki",
        "hex": "#99AF73",
        "role": "UI palette khaki tone",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "positive-green-1",
        "hex": "#5AC87F",
        "role": "UI palette status: positive",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "positive-green-2",
        "hex": "#348A51",
        "role": "UI palette status: positive, darker",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "destructive-red-1",
        "hex": "#F5430B",
        "role": "UI palette status: destructive",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "destructive-red-2",
        "hex": "#C9390C",
        "role": "UI palette status: destructive, darker",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "yellow-1",
        "hex": "#FFC328",
        "role": "UI palette status: warning (role inferred from name)",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "yellow-2",
        "hex": "#D26E28",
        "role": "UI palette status: warning, darker (as printed)",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "action-blue",
        "hex": "#218FB7",
        "role": "UI palette: primary buttons and links in the product (feedback states p.26)",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.25"
      },
      {
        "name": "live-navy-900",
        "hex": "#091723",
        "role": "--color-navy-900 on the live site: darker than the guide's deep navy, used for the darkest grounds and dark text",
        "prov": "observed",
        "source": "observed 2026-10-29 on https://monzo.com/"
      },
      {
        "name": "blue-accent",
        "hex": "#009ACE",
        "role": "--color-blue-accent. 2px focus outline on outline buttons and links; fill of the 'New' badge in the mega-menu",
        "prov": "observed",
        "source": "https://monzo.com/",
        "date": "2026-10-29"
      },
      {
        "name": "nav-focus",
        "hex": "#00A4DB",
        "role": "2px focus outline on the Business nav link",
        "prov": "observed",
        "source": "https://monzo.com/",
        "date": "2026-10-29"
      },
      {
        "name": "navy-60-on-white",
        "hex": "#6B747B",
        "role": "Rendered color of secondary text: navy-900 at 60% alpha (rgba(9,23,35,0.6)) over #FFFFFF. Set it as the alpha, not this hex; this is the flattened value for checks",
        "prov": "observed",
        "source": "https://monzo.com/",
        "date": "2026-10-29"
      }
    ]
  },
  "typography": {
    "display": {
      "family": "Raleway",
      "weight": 900,
      "fallback_stack": "\"Arial Narrow\", \"Helvetica Neue\", Arial, sans-serif",
      "google_fonts": "Raleway:wght@100..900",
      "real_face": "MonzoSansDisplay (ExtraBold 800 for h1/h2, Bold 700 for h3, SemiBold 600)",
      "license": "Proprietary commercial face (not supplied in the press kit); not on Google Fonts",
      "stand_in": true,
      "provisional": false,
      "prov": "observed",
      "source": "https://monzo.com/ (2026-10-29)",
      "font_variant_numeric": "lining-nums (Raleway defaults to old-style figures)",
      "calibration": "Calibrated 2026-10-29 in headless Chromium (dpr 1, antialiased) against MonzoSansDisplay 800 rendered on monzo.com. 'Spend your money on life,' at 48.83px: real 618.53px, Raleway 900 617.73px (0.9987), ink 0.997. 'Get the most out of Monzo' at 39.06px: real 500.94px, Raleway 900 502.47px (1.0031), ink 1.022. x-height 0.525em vs real 0.55em. No size-adjust needed. Mean width error 0.22% across 34 families x 7 weights (650-950) x width axes; runner-up on-list Archivo 850 wdth 96 (0.25%, ink 0.95); best off-list Golos Text 800 (0.29%, ink 1.005) does not clearly beat Raleway. Shape caveat: Raleway's w/y differ from Monzo's grotesk forms (shape IoU 0.45 vs Archivo 800 0.52). Files: calibration/rows.json, shape-iou.json, display-*-compare.png Re-run 2026-10-29 for the lighter roles (calibration/weights-r1.json): MonzoSansDisplay 700 -> Raleway 750 (ink 0.96-1.03, grey 0.98-1.00; Raleway is 3.3-4.5% wider, so letter-spacing -0.02em); MonzoSansDisplay 600 -> Raleway 675 (between 650 ink 0.89-0.93 and 700 ink 1.00-1.01, grey 1.04-1.06; width +4%, letter-spacing -0.02em). The +100 shift that is right for 800 is too heavy for 700 and 600: Raleway 800 for a 700 role has ink 1.03-1.08 and reads denser than the real face.",
      "guide_face": "Oldschool Grotesk Compact Extra Bold (Monzo style guide, Aug 2022, p.33)"
    },
    "body": {
      "family": "Onest",
      "weight": 350,
      "line_height": 1.4,
      "tracking": 0,
      "scale": 1,
      "fallback_stack": "-apple-system, BlinkMacSystemFont, \"Segoe UI\", Roboto, \"Helvetica Neue\", Arial, sans-serif",
      "google_fonts": "Onest:wght@100..900",
      "real_face": "MonzoSansText Regular (400); 600 for emphasis",
      "weights": [
        "Regular",
        "Medium",
        "Semi-bold",
        "Bold"
      ],
      "license": "Proprietary Monzo typeface; not public",
      "stand_in": true,
      "provisional": false,
      "prov": "observed",
      "source": "https://monzo.com/ (2026-10-29)",
      "licence": "proprietary Monzo face, not licensed to us",
      "off_list": true,
      "fontsource": "@fontsource-variable/onest",
      "on_list_fallback": "Open Sans 450, wdth 100",
      "calibration": "Real MonzoSansText 400 vs candidates. 20px 'Your salary sorted into Pots. Your spare change turned into savings.': real 633.39px, Onest 350 631.36px (0.9968), ink 1.024. 16px 'From joint accounts and accounts for kids, to accounts with worldwide travel': real 575.36px, Onest 350 575.92px (1.0010), ink 1.050. x-height 0.525em vs 0.52em. Best on-list by width is Archivo 450 wdth 106 (0.18%) but its ink is 1.27x; Open Sans 450 wdth 100 (0.20%, ink 1.13). Onest matches width equally and ink clearly better, so it is kept off-list. Use Onest 600 for the 600 emphasis role (not calibrated) Re-run 2026-10-29 (calibration/weights-r1.json, letter-spacing normal): 400 -> Onest 350 (width 1.001/0.997, ink 1.048/1.024); 600 -> Onest 550 (width 0.972-0.985, ink 1.02-1.05; letter-spacing +0.01em closes the width). Tracking is 0 for 400: the site sets letter-spacing normal; the guide's +2% body tracking is print guidance (2022), not the homepage."
    },
    "calibration": "Calibrated stand-ins (observed, https://monzo.com/, 2026-10-29, real faces rendered from monzo.com's own @font-face): Raleway for MonzoSansDisplay, Onest for MonzoSansText. The weights in the spec.type table below are the STAND-IN weights to set; the real face's weight is named in each role. Use exactly: MonzoSansDisplay 800 -> Raleway 900, tracking 0. MonzoSansDisplay 700 -> Raleway 750, letter-spacing -0.02em. MonzoSansDisplay 600 -> Raleway 675, letter-spacing -0.02em. MonzoSansText 400 -> Onest 350, tracking 0. MonzoSansText 600 -> Onest 550, letter-spacing 0.01em. Never Raleway 800 or 900 for card, slide, account or footer titles. Set font-variant-numeric: lining-nums on Raleway.",
    "stand_in_by_role": [
      "Hero h1: real MonzoSansDisplay 800 -> Raleway 900, 48.83px/58.59px desktop, 40.67px/48.80px phone, letter-spacing 0",
      "Section h2: real MonzoSansDisplay 800 -> Raleway 900, 39.06px/46.87px desktop, 33.73px/40.48px phone, letter-spacing 0",
      "Regulatory h2: real MonzoSansDisplay 800 -> Raleway 900, 44px/52.8px desktop, 32px/38.4px phone, letter-spacing 0",
      "Step numeral: real MonzoSansDisplay 800 -> Raleway 900, 61.04px/73.25px, desktop only, letter-spacing 0",
      "Slide title: real MonzoSansDisplay 700 -> Raleway 750, 31.25px/37.5px desktop, 27.99px/33.59px phone, letter-spacing -0.02em (-0.63px / -0.56px)",
      "Carousel card title (product, travel, savings cards; step titles): real MonzoSansDisplay 700 -> Raleway 750, 25px/35px desktop, 23.23px/29.23px phone, letter-spacing -0.5px (-0.46px phone)",
      "Account card title and footer column heading: real MonzoSansDisplay 700 -> Raleway 750, 25px/30px desktop, 23.23px/27.87px phone, letter-spacing -0.5px (-0.46px phone)",
      "Spotlight item title (desktop): real MonzoSansDisplay 600 -> Raleway 675, 20px/28px, letter-spacing -0.4px. Ranking card h3: same face, 16px/19.2px (14px/16.8px phone), letter-spacing -0.32px",
      "Lead/intro: real MonzoSansText 400 -> Onest 350, 20px/28px desktop, 19.28px/26.99px phone, letter-spacing 0",
      "Body, card text, legal: real MonzoSansText 400 -> Onest 350, 16px/22.4px (legal 12.8px/17.92px), letter-spacing 0",
      "Emphasis (buttons, nav labels, feature-tile text, footer links, price pills, tags, spotlight titles on phones): real MonzoSansText 600 -> Onest 550, 16px/22.4px, letter-spacing 0.16px"
    ],
    "stand_in_by_role_prov": "observed, https://monzo.com/, 2026-10-29 (sizes and line heights computed styles; stand-in weights and tracking from calibration/weights-r1.json)"
  },
  "style": {
    "button_shape": "pill",
    "button_note": "Pill buttons appear throughout the guide's in-use pages (e.g. \"Apply for a Monzo account\", p.61); a radius is not published.",
    "corners": "rounded panels and cards (p.66); radius not published",
    "motion": "not published"
  },
  "voice": {
    "tone": [
      "Straightforward kindness",
      "Everyday magic",
      "Warm wit"
    ],
    "notes": [
      "Every word matters: for a bank that lives on a phone, words are the brand.",
      "Straightforward kindness applies to all writing, all the time: clear, inclusive, reader-first, complex made simple.",
      "Everyday magic mostly belongs to brand and marketing writing: celebrate small wins, draw on relatable money moments.",
      "Warm wit is seasoning, almost only in brand and marketing; people are in on the joke, never the target.",
      "Lead with the impact on the reader, then the reasoning.",
      "Serious is not the same as formal: plain English even for bad news.",
      "Headlines short and punchy, set big and bold (guide p.34); copy always in sentence case (p.36)."
    ],
    "rules": [
      {
        "id": "headline-case",
        "kind": "headline_case",
        "value": "sentence",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.38"
      },
      {
        "id": "no-all-caps",
        "kind": "guidance",
        "text": "Never set Monzo Sans in all caps",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.40"
      },
      {
        "id": "short-headlines",
        "kind": "guidance",
        "text": "Headlines short and punchy: short phrase, big impact",
        "prov": "published",
        "source": "Monzo style guide (Aug 2022, press kit) p.34"
      },
      {
        "id": "reader-first",
        "kind": "guidance",
        "text": "Say what it means for the reader before why we did it",
        "prov": "published",
        "source": "https://monzo.com/tone-of-voice"
      },
      {
        "id": "plain-words",
        "kind": "guidance",
        "text": "Swap formal, Latin-rooted business words for the ones you would say out loud",
        "prov": "published",
        "source": "https://monzo.com/tone-of-voice"
      },
      {
        "id": "active-voice",
        "kind": "guidance",
        "text": "Write in the active voice; say who is responsible",
        "prov": "published",
        "source": "https://monzo.com/tone-of-voice"
      },
      {
        "id": "no-jargon",
        "kind": "guidance",
        "text": "No unexplained financial jargon or internal acronyms",
        "prov": "published",
        "source": "https://monzo.com/tone-of-voice"
      },
      {
        "id": "sorry-once",
        "kind": "guidance",
        "text": "When we are at fault, say \"We're sorry\" once and sincerely; do not apologise when we did nothing wrong",
        "prov": "published",
        "source": "https://monzo.com/tone-of-voice"
      },
      {
        "id": "inclusive",
        "kind": "guidance",
        "text": "Inclusive language: no gendered or ableist terms, careful with idioms for non-native readers",
        "prov": "published",
        "source": "https://monzo.com/tone-of-voice"
      },
      {
        "id": "no-literal-magic",
        "kind": "guidance",
        "text": "No literal references to magic (no \"hey presto\", no wand emoji)",
        "prov": "published",
        "source": "https://monzo.com/tone-of-voice"
      },
      {
        "id": "no-cliches",
        "kind": "guidance",
        "text": "Cut empty adjectives and marketing cliches like \"discover\" and \"so much more\"",
        "prov": "published",
        "source": "https://monzo.com/tone-of-voice"
      },
      {
        "id": "one-joke",
        "kind": "guidance",
        "text": "A pinch of humour, not a dollop: pick the best one joke (maybe two)",
        "prov": "published",
        "source": "https://monzo.com/tone-of-voice"
      },
      {
        "id": "no-punching-down",
        "kind": "guidance",
        "text": "Never joke at others' expense or put ourselves down as reckless",
        "prov": "published",
        "source": "https://monzo.com/tone-of-voice"
      },
      {
        "id": "no-stock-puns",
        "kind": "guidance",
        "text": "No first-to-mind seasonal puns",
        "prov": "published",
        "source": "https://monzo.com/tone-of-voice"
      },
      {
        "id": "starting-with-but",
        "kind": "guidance",
        "text": "Starting a sentence with But, And, So or Because is fine",
        "prov": "published",
        "source": "https://monzo.com/tone-of-voice"
      },
      {
        "id": "no-sensitive-topics",
        "kind": "guidance",
        "text": "Stay out of politics and sensitive topics (celebrity health, big court cases)",
        "prov": "published",
        "source": "https://monzo.com/tone-of-voice"
      }
    ],
    "approved": {
      "words": [
        "We're sorry",
        "blocklist",
        "allowlist",
        "Pots",
        "Hot Coral card"
      ],
      "source": "https://monzo.com/tone-of-voice",
      "note": "\"Pots\" and \"Hot Coral card\" are product names observed on the guide pages and the live homepage."
    },
    "banned": [
      "We'd like to apologise",
      "blacklist",
      "whitelist",
      "hey presto",
      "wand emoji",
      "Eggcellent",
      "all wrapped up (Christmas)",
      "no tricks, just treats",
      "discover (as filler)",
      "so much more",
      "\"even your mum could use it\" jokes"
    ]
  },
  "spec": {
    "source": "https://monzo.com/ (2026-10-29)",
    "provenance": "observed",
    "signature": [
      {
        "id": "rounded-inset-panels",
        "name": "Big-radius inset panels",
        "where": "hero (1392 wide, 24px inset), Save, Which?, Apply and ranking panels (1312 wide), footer (top corners)",
        "spec": "64px radius at 1440 on every band panel and slide; 32px on cards and media; 16px on list items; 32px (and 34px for the hero bottom) on phones. Bands are panels floating on white, never edge-to-edge color fields on desktop",
        "once": "many per page"
      },
      {
        "id": "coral-wordmark-footer",
        "name": "Full-width coral wordmark",
        "where": "footer",
        "spec": "the monzo wordmark in #FF4F40 set the full content width (1264x220 at 1440, 326x57 at 390) on #112231, between the locale pill and the legal paragraph",
        "once": "once per page"
      },
      {
        "id": "coral-navy-checkerboard",
        "name": "Coral and navy alternation",
        "where": "feature grid, slides",
        "spec": "#FF4F40 and #112231 tiles alternate (checkerboard in the 2x2 grid; slides alternate #F2F8F3 and #112231); text on both is white"
      }
    ],
    "icons": {
      "grid": "not published",
      "stroke": "not published",
      "sizes": [],
      "prov": "published",
      "source": "Monzo style guide (Aug 2022, press kit) p.80",
      "note": "The guide only shows iconography as a brand-code thumbnail; no grid, stroke or sizes are published."
    },
    "page": {
      "source": "https://monzo.com/",
      "date": "2026-10-29",
      "prov": "observed",
      "announcement": {
        "at_rest": "none for UK visitors (non-UK visitors get a dismissible locale banner, closed here)"
      },
      "nav": {
        "summary": "White bar 87px: coral wordmark left, a #F2F8F3 pill track holding Personal (active, white pill with chevron) and Business, navy pill Sign up at the right edge",
        "ground": "#FFFFFF at 70% opacity (rgba(255,255,255,0.7)) over the page; no border",
        "height": "87px at 1440; 65px at 390",
        "border": "none",
        "logo": "monzo wordmark SVG (wordmark-nav.svg, viewBox 0 0 138 24, #FF4F40), 118x24 at x 33, y 32 (94x16 at x 47, y 25 on phones). It links to / (observed, https://monzo.com/, 2026-10-29)",
        "links": "2: 'Personal' (button: person glyph 24px + label + chevron 24px, opens the mega-menu on hover) and 'Business' (link to /business-banking, briefcase glyph 24px). Icons are SOLID filled glyphs (icon-nav-personal.svg, icon-nav-business.svg), not outlines. Labels MonzoSansText 16px 600 (Onest 550). Colour: icon, label and chevron all #091723 at 60% at rest, the active Personal item too (it is marked only by its white pill); hover #091723. Track #F2F8F3 297x48 at x 176, y 20, radius 100px, 4px inset. Personal white pill 152x40, padding 8px 8px 8px 12px; Business 125x40, padding 8px 12px. Left-aligned 25px after the logo (observed, https://monzo.com/, 2026-10-29)",
        "actions": "'Sign up' to https://monzo.com/sign-up: #091723 pill 108x51 at x 1300, y 18, MonzoSansText 16px 600 white, padding 12px 24px, radius 500px; hover #2C3A43",
        "sticky": "yes, header position sticky top 0",
        "mega_menu": {
          "trigger": "hover on Personal (aria-label 'Open Personal navigation'); Business has no menu",
          "panel": "884x753 at x 32, y 87, #F2F8F3, radius 0 0 16px 16px, under the header; the page behind is dimmed by a fixed rgba(0,0,0,0.3) curtain. Left column 422px holds the group list (48px padding); right column (x 502, 366px wide) shows the hovered group",
          "groups_in_order": [
            "Current accounts and plans",
            "Why Monzo?",
            "Savings and ISAs",
            "Investments and pensions",
            "Credit cards and loans",
            "Insurance",
            "Mobile plans (link /mobile, with a 'New' badge: 16px 600 white on #009ACE)",
            "Help and support",
            "Refer a friend (link /refer-a-friend)",
            "Switch to Monzo (link /switch)"
          ],
          "group_style": "MonzoSansText 20px 600; hovered group #091723 on a white 8px-radius row with a chevron, others #091723 at 60%; rows 62px apart",
          "group_contents": [
            "Current accounts and plans: Heading 'Current accounts' (20px 600, 60%) + 'It all starts with our personal current account' (16px 400); tiles: Personal account, Joint account, Under 16s account, 16-17s account (2-up 175x107/130), See all current accounts (366 wide). Heading 'Plans' + 'Upgrade your personal account from £3 a month'; tile Compare plans. Tiles are #F2F8F3 radius 8px with a card illustration above a 16px 600 label, centered",
            "Why Monzo?: 'Bank on an award-winning app': Organise with Pots, Earn cashback, Travel without fees, Get paid into Monzo, Protect your money, Connect your mortgage",
            "Savings and ISAs: 'Put your money to work with flexible ways to save.': Instant Access, Select Access, Fixed Rate, Cash ISAs, Under 16s Savings, Junior ISA, See all savings and ISAs",
            "Investments and pensions: Investments: 'Explore a range of ways to invest with Monzo': Investments, Stocks and Shares ISA, Junior ISA. Pensions: 'Build for your future with a Monzo Pension': Pensions",
            "Credit cards and loans: All credit cards, Aura credit card (New), Flex Purchase credit card, Flex Build credit card, Loans, Overdrafts",
            "Insurance: Home insurance, Contents insurance",
            "Help and support: Help centre, Security at Monzo, Staying safe from fraud, Support with money worries, Switching to Monzo, Plus help, Premium help"
          ]
        },
        "phone": "65px: hamburger icon 24x24 at x 8, y 20 (aria 'Open Personal navigation'), wordmark 94x16 at x 47, Sign up pill 83x37 at x 304, y 14 (13.28px 600, padding 8px 16px, aria-label 'Open a Monzo account'). No Business link in the bar"
      },
      "hero": {
        "summary": "A full-width rounded media panel (looping video, poster at rest) with a two-line white 48.8px headline, a 20px white two-line subline and a white pill CTA at left; three trust badges float on the media; a right-aligned 'UK residents. Ts&Cs apply.' line under the panel",
        "desktop": "Section 0-955 (padding 0 24px 64px). Media panel 1392x750 at x 24, y 87 (directly under the 87px header, which overlaps nothing), radius 64px, object-fit cover. Text column left at x 100 (76px inside the panel), max 640px: h1 top y 376 (620x117, two lines), subline y 517 (640x56), CTA y 597. Which? badge 135x107 at x 1217, y 151 (top right); Switch Guarantee 143x70 at x 1141, y 703 and FSCS 53x70 at x 1300, y 703 (bottom right). Legal line 16px #091723 right-aligned at y 853 (16px below the panel). The hero section ends at y 955: the legal line's box ends at 875, then 80px to the next section (not 64)",
        "phone": "Media full-bleed 390x750 from y 65, radius 0 0 34px 34px, poster crop is the portrait mobile file. Text left at x 40, width 310: h1 40.67px/48.8 at y 132 (four lines), subline 19.28px/27 at y 351, CTA 264x48 at y 483 (not full width). Badges in one row at y 705: Which? 88x70 at x 38, Switch Guarantee 143x70 at x 141, FSCS 53x70 at x 300. Legal line centered at y 831. Section padding-bottom 48px",
        "at_rest": "Resting frame (what a still shows): a woman in a white dress holding a red sorbet cone among large green leaves, a second cone held toward her from the right edge (assets hero-frame-desktop.jpg / hero-frame-mobile.jpg, the video at 6.5s). The loop also shows a phone paying over peaches, an arcade hug, a dinner and a woodland scene: animation only, never the still. Scrim: a ::after over the media, desktop linear-gradient(90deg, rgba(0,0,0,0.6) 0%, rgba(0,0,0,0) 75%); phone linear-gradient(180deg, rgba(0,0,0,0.6) 0%, rgba(0,0,0,0) 75%). No other overlay (observed, https://monzo.com/, 2026-10-30)",
        "media": "<video loop> with webm + mp4 sources (get-busy-living-hero-desktop / -mobile) over an <img> poster; the poster image file is study.slot_assets hero.media.poster.desktop / .phone (hero-frame-desktop.jpg / hero-frame-mobile.jpg)",
        "type": "h1 MonzoSansDisplay 48.83px/58.59px 800 #FFFFFF, letter-spacing normal (40.67px/48.80px on phones); subline MonzoSansText 20px/28px 400 #FFFFFF (19.28px/26.99px on phones)",
        "cta": "'Open a free Monzo account' to https://monzo.com/sign-up: white pill 264x48, 1px white border, label MonzoSansText 16px 600 #091723, padding 12px 24px, radius 500px; hover fill white at 80%",
        "proof": "Which? Recommended Provider November 2025 roundel (PNG), Current Account Switch Guarantee lockup (SVG), FSCS Protected padlock (SVG), all on the media",
        "headline_breaks": "Desktop: 'Spend your money on life, / not your life on money' (break after the comma; h1 box 620px, max-width 12.7em). Phone 390: four lines 'Spend your / money on / life, not your / life on money' in a 310px column. Set these breaks with explicit <br>s; the stand-in's word widths differ, so wrapping alone gives other breaks. Subline desktop: two lines, 'Your salary sorted into Pots. Your spare change turned into savings.' / 'Your money, doing what it should with Monzo.' in 640px (observed, https://monzo.com/, 2026-10-29)",
        "copy": [
          "h1: Spend your money on life, not your life on money",
          "subline: Your salary sorted into Pots. Your spare change turned into savings. Your money, doing what it should with Monzo.",
          "CTA: Open a free Monzo account",
          "legal line under the panel: UK residents. Ts&Cs apply."
        ]
      },
      "sections": [
        {
          "name": "Get the most out of Monzo (product carousel)",
          "summary": "Left-aligned h2 + 20px intro + primary CTA, arrows at the right, then a row of product cards (image, title, text, small outline button) that scrolls horizontally, then a block of legal small print",
          "ground": "#FFFFFF",
          "desktop": "Section y 955-1932. h2 at x 64, y 1019 (64px top padding), max 592px; intro y 1082 #091723 at 60%; primary CTA 262x48 at y 1170; prev/next arrows 48x48 at x 1264 and 1328, same row. Cards start y 1266: 320px wide, 24px gap (x 64, 408, 752, 1096 visible, the 4th ends at 1416 so the row bleeds to the 24px page edge); 6 cards in all (Current accounts, Savings, Credit, Investments, Pensions, Homeownership). Media 320x320 radius 32px; title 24px below the media; text 8px below; 'Learn more' small outline button 16px below. Legal block at y 1843: 16px/22.4 #091723 at 60%, the middle line bold",
          "phone": "Section padding 32px top. h2 33.73px/40.48 left at x 16 (two lines); intro 19.28px; primary CTA full width 358x48; cards 320px wide, 24px gap starting x 16, media radius 24px; arrows centered under the row (48x48 at x 139 and 203); legal block above them",
          "anatomy": [
            "Card: media 320x320 (photo or coral product animation), radius 32px; h3 MonzoSansDisplay 25px/35px 700 #091723; text MonzoSansText 16px/22.4px 400 #091723 at 60%; 'Learn more' 36px outline pill, 12.8px, 2px #091723 ring, padding 0 16px",
            "Arrows: 48px circles, 2px ring; previous disabled at rest (ring #091723 at 10%, icon at 30%), next active (#091723)",
            "Media alternate: photo cards (current accounts, credit, pensions) and flat #FF4F40 cards with a UI fragment that animates on view (savings, investments); at rest the coral card shows its first frame"
          ],
          "components": "carousel_arrows, button_primary, button_small_outline, product_card",
          "copy": [
            "h2: Get the most out of Monzo",
            "intro: Whatever stage of life you're at, we've got your money covered.",
            "CTA: Open a free Monzo account",
            "Current accounts: From joint accounts and accounts for kids, to accounts with worldwide travel insurance – choose one that works for you.",
            "Savings: Grow your money in Monzo with up to 3.65% AER interest (variable), paid monthly.",
            "Credit: Get a credit card with Monzo magic. Whether you're new to credit or a seasoned pro, there's something to suit you. Age 18+.",
            "Investments: Choose from a range of options to suit your interests and the level of risk you’re happy with. Starting with as little as £1.",
            "Pensions: Track down and bring your old pensions together under one roof, and top up whenever you like. Ages 18-70.",
            "Homeownership: Connect a mortgage from any lender in 60 seconds. And get insights that could save you thousands.",
            "small buttons: 'Learn more'",
            "legal block, three lines: UK residents. Individual product Ts&Cs apply. / The value of investments and pensions could go up or down, and you could get back less than you invest. / UK current account needed for: investments, pensions, savings accounts, mortgage tool, and Flex. Flex eligibility criteria applies. Missed payments may negatively impact credit scores."
          ],
          "phone_breaks": "h2 'Get the most / out of Monzo' (358px)"
        },
        {
          "name": "Quit the app juggling act (feature slides)",
          "summary": "Centered h2 + intro + primary CTA, then a wide slide carousel: each slide is a 64px-radius panel split into a text half and a square image half; the next slide peeks in from the right; play/dots/next controls centered below",
          "ground": "#FFFFFF",
          "desktop": "Section y 1932-2942. h2 centered (466px, y 1996), intro centered max 720px, TWO lines (720x56 at y 2059; if the stand-in fits it on one line, narrow the box until it wraps to two), CTA centered y 2147. Slides 1141x571 radius 64px, first slide LEFT-aligned at x 125 (not centered: 125+1141 = 1266; the 49px of white on the right shows the next slide peeking at x 1315), the next starts at x 1315 (48px gap, cropped by the viewport). Slide: text column x 173 (48px inside), 475px wide, vertically centered: h3 31.25px/37.5 700, 16px body, outline CTA 48px tall 24px below; image 571x571 flush right (x 696). Grounds alternate #F2F8F3 (Sort your salary, Round up your spare change, Invest automatically) and #112231 with white text (Put bills in their place, Earn cashback on brands you love). Controls at y 2830: play button 48x48, 5 dots (active is a 52x32 hit area with a wide bar), next arrow 48x48. Slide media 571x571 at x 696 with its own radius 64px on all four corners: the photo's left corners are rounded, so there is a soft notch where photo meets the text half, never a straight seam",
          "phone": "Not a carousel on phones: the 5 slides stack vertically, each a 358px-wide card radius 32px, image 358x358 on top, text below with 32px padding (h3 27.99px/33.59), 48px between cards",
          "anatomy": [
            "Slide text on #F2F8F3: h3 #091723 31.25px/37.5px; body 16px/22.4px #091723 at 60% (rgba(9,23,35,0.6)), NOT full ink; on #112231 slides h3 #FFFFFF and body #FFFFFF at 90% (observed, https://monzo.com/, 2026-10-30)",
            "Slide text on #112231: h3 #FFFFFF, body #FFFFFF at 90%, outline button with a 2px #FFFFFF ring",
            "Slides do not auto-play at rest: the control shows a play icon ('Start auto-playing slides')",
            "Images are square photos with the Monzo app or cards in them; the first slide's photo is a picnic with Monzo cards"
          ],
          "components": "slide_panel, carousel_controls, button_secondary_outline",
          "copy": [
            "h2: Quit the app juggling act",
            "intro: From everyday spending to bigger goals, it's the one app to fit your finances.",
            "CTA: Open a free Monzo account",
            "Sort your salary: Use Salary Sorter to divide up your income or student loan into separate Pots for bills, spending and whatever else you need to budget for. Set it up once, and we’ll take it from there. Button: Explore Salary Sorter",
            "Put bills in their place: You don’t enjoy paying bills, but we enjoy making it easier. Set up Direct Debits and standing orders to come directly from a dedicated bills Pot. Button: Explore Pots",
            "Round up your spare change: Want to save without even thinking about it? Automatically send spare change to your savings every time you spend.",
            "Earn cashback on brands you love: Pick your offers, shop in person or online, and earn 2-10% cashback every time. It’s that simple. Button: Explore cashback",
            "Invest automatically: Auto invest features help you set investing habits and let them tick along in the background. You can also automatically invest any interest you earn on your savings each month. Button: Explore investments. Legal under the button: The value of your investments could go up or down and you could get back less than you put in. 18+, Monzo current account required."
          ],
          "phone_breaks": "h2 'Quit the app / juggling act', centred in 358px (desktop: one line, 466px wide inside a 720px max column)"
        },
        {
          "name": "It all starts with a Hot Coral card (accounts and plans)",
          "summary": "Centered h2 + CTA, then a 3-column grid of light account cards with a card illustration, a circled arrow, title, optional price tag, short text and legal line; 'View all' outline button under 2 rows",
          "ground": "#FFFFFF",
          "desktop": "Section y 2942-3933. h2 centered y 3006; CTA centered y 3085. Grid at y 3181: cards 421px wide, 24px gaps (x 64, 509, 955), rows 281-287px, 24px row gap. Third row (Aura credit card, Flex, Business) exists but is collapsed at rest; 'View all' 113x48 outline button centered at y 3821",
          "phone": "Cards become a horizontal row 320px wide (16px gap), 386px tall, with arrows below; CTA full width",
          "anatomy": [
            "Card: #F2F8F3, radius 32px, padding 32px 24px 24px, the whole card is a link (Personal account, Joint account, Under 16s account, Extra, Perks, Max)",
            "Top row: card image left in a 48px-tall box at x 26, y 34 inside the card: a 55-56x35 miniature bank card with a soft shadow (Personal coral, Joint white with JOINT, Under 16s three fanned cards blue/pink/yellow 92px wide, Extra coral gradient, Perks blue gradient, Max deep red). Files: the account-card-<name> images in study.slot_assets (4x, transparent, 8px margin around the 48px box). Right: 36x36 circled arrow, 2px #091723 ring, 24px arrow icon, at x 359, y 46 inside the card. NOT 48px (observed, https://monzo.com/, 2026-10-29)",
            "Title row: a flex row, justify-content space-between, gap 8px, 369px wide (card 421 minus 26px each side). Title MonzoSansDisplay 25px/30px 700 (Raleway 750) at the left; on plans only, the price label sits at the RIGHT end of the row (its right edge 26px from the card's right edge): Extra '£3 a month' 107x34, Perks '£9 a month' 108x34, Max 'From £19 a month' 159x34. Label: white #FFFFFF fill, radius 8px (a rounded rectangle, not a 100px pill), padding 4px 8px, 2px transparent border, MonzoSansText 16px/22.4px 600 #091723 (Onest 550) (observed, https://monzo.com/, 2026-10-30)",
            "Text 16px/22.4 #091723 at 60%; legal line pinned to the bottom 12.8px/17.92 at 60%"
          ],
          "components": "account_card, button_secondary_outline",
          "copy": [
            "h2: It all starts with a Hot Coral card",
            "CTA: Open a free Monzo account",
            "Personal account: Our signature Hot Coral current account that fits your finances. Legal: UK residents. Ts&Cs apply.",
            "Joint account: A shared bank account that helps you manage joint costs. Legal: You'll both need a Monzo current account. Aged 18+. UK residents. Ts&Cs apply.",
            "Under 16s account: A free account for kids that keeps up as they grow up. Set spending limits and see what they're up to with instant notifications. Legal: Ages 6-15. 18+ parent/guardian account needed first. UK residents. Ts&Cs apply.",
            "Extra, price pill £3 a month: Unlock more money tools, see your other banks and credit cards in Monzo, and create custom spending categories. Legal: Age 18+. UK residents. Ts&Cs apply.",
            "Perks, price pill £9 a month: Enjoy the best of Monzo with a boosted savings rate and added benefits like an annual Railcard and weekly Greggs treat. Legal: Age 18+. UK residents. Ts&Cs apply.",
            "Max, price pill From £19 a month: Protect the things that matter with worldwide travel and phone insurance, UK & Europe breakdown cover, and more. Legal: Ages 18-69. 3-month minimum term. UK residents. Ts&Cs apply.",
            "button: View all"
          ],
          "phone_breaks": "h2 'It all starts with / a Hot Coral card' (358px; desktop one line, 607px)"
        },
        {
          "name": "The bank made for travel (feature carousel)",
          "summary": "Same pattern as 'Get the most out of Monzo': left h2, intro, an outline button then a primary button, arrows right, row of 320px cards without buttons",
          "ground": "#FFFFFF",
          "desktop": "Section y 3933-4762. h2 y 3997; buttons at y 4148: 'Explore travel' outline 160x48 at x 64, then primary 262x48 at x 240 (16px gap). Cards at y 4244: 5 cards (Fee-free spending abroad, Live exchange rates, No surprises at checkout, Card freeze, Multi-trip travel cover), media 320x320, h3 25px, text 16px with inline underlined links",
          "phone": "Primary CTA first, outline below it, both 358x48 full width, 16px apart; cards 320px; arrows centered below",
          "anatomy": [
            "Inline links in card text: same color as the text (#091723 at 60%), underlined"
          ],
          "components": "product_card, carousel_arrows",
          "copy": [
            "h2: The bank made for travel",
            "intro: No foreign transaction fees or added costs – so travel feels lighter from the start.",
            "buttons: Explore travel (outline), Open a free Monzo account (primary)",
            "Fee-free spending abroad: Pay anywhere, in any currency – on your debit or credit card – with no foreign transaction fees.",
            "Live exchange rates: As soon as you pay, we’ll show you the amount in pounds in the app. No waiting, no guessing, and no more napkin maths.",
            "No surprises at checkout: See the price of things before you go with our currency converter. ('currency converter' is an underlined link)",
            "Card freeze: Freeze and unfreeze your card at any time if it goes exploring without you.",
            "Multi-trip travel cover: Get multi-trip insurance with Max. From £19 a month. Ages 18-69. UK residents. 3 month minimum term. Ts&Cs apply. ('multi-trip insurance' is an underlined link)"
          ],
          "phone_breaks": "h2 'The bank made / for travel' (358px)"
        },
        {
          "name": "Save like a superhero (savings band)",
          "summary": "An inset #F2F8F3 band with 64px corners: centered h2, intro, outline + primary buttons, three cards with square media",
          "ground": "#F2F8F3 panel on #FFFFFF",
          "desktop": "Panel 1312x1006 at x 64, y 4762, radius 64px, padding 64px, but the h2 top sits 112px inside the panel (y 4874 = 4762 + 112): use padding-top 112px, sides 64px, bottom 64px. h2 centered y 4874, intro y 4937 (720 wide, two lines); buttons centered at y 5025 ('Explore savings' outline 174 then primary 262, 16px gap). Three cards at y 5121, 379px wide, 24px gaps: media 379x379, h3 25px/35px, text 16px",
          "phone": "Panel full-bleed (no radius), padding 32px 16px; primary then outline stacked full width; cards become a 320px carousel with arrows",
          "anatomy": [
            "Card media are product UI over coral or photos: Instant Access (person with Pots overlay), Select Access (phone on coral), Fixed Rate / ISA (photo)"
          ],
          "components": "product_card, button_primary, button_secondary_outline",
          "copy": [
            "h2: Save like a superhero",
            "intro: Keep your money at your fingertips in personalised Savings Pots, or earn tax-free interest with an ISA.",
            "buttons: Explore savings (outline), Open a free Monzo account (primary)",
            "Instant Access Savings: The most flexible way to save. Earn from 2.75% to 3.25% AER interest (variable) paid monthly, depending on your subscription plan. ('subscription plan.' is an underlined link)",
            "Select Access Savings: Grow your money faster without locking it away and get a higher rate for making 2 (or fewer) withdrawals a year. Earn up to 3.65% AER interest (variable), paid monthly. £500 minimum deposit.",
            "Fixed Rate Savings: Earn our best rate of 4.70% AER (fixed) by setting your savings aside for 1 year. £500 minimum deposit, interest paid at maturity. No withdrawals, closure only."
          ],
          "phone_breaks": "h2 one line 'Save like a superhero' (358px)"
        },
        {
          "name": "Make payday twice as nice (split feature)",
          "summary": "Two equal columns: text left (h2, two 20px paragraphs, primary button, legal small print), square media right",
          "ground": "#FFFFFF",
          "desktop": "Section y 5768-6520. Text column x 64, 624px, vertically centered (h2 y 5944); media 624x624 at x 752, y 5832: coral panel with an iPhone showing a coral Monzo card and the Activity list. Legal 16px at 60% with underlined links. Media radius 32px. Legal y 6299 (2 lines, 45px)",
          "phone": "Text first (h2 33.76px), full-width primary, legal, then media 358x358 below",
          "anatomy": [
            "Body copy is ONE <p> (20px/28px, #091723 at 60%, 624px wide) holding TWO sentences groups split by <br><br>, so it reads as two paragraphs with one empty 28px line between them: 'Get paid into Monzo through Bacs and get your salary one business day early.' (2 lines) <br><br> 'You could also land a Double Payday...' (4 lines). 7 line-heights in all, 196px tall, y 6007-6203 (observed, https://monzo.com/, 2026-10-30)",
            "Button: 'Explore Double Payday' primary"
          ],
          "components": "button_primary, split_feature",
          "copy": [
            "h2: Make payday twice as nice",
            "body (one <p>, 20px/28px, #091723 at 60%, 624px; <br><br> after the first sentence): Get paid into Monzo through Bacs and get your salary one business day early.<br><br>You could also land a Double Payday. It works like this: if you earn £1,500, we'll add an extra £1,500 to your account. It’s yours to spend, save or invest – and you won’t pay tax on your winnings. There are 10 lucky customers every month.",
            "button: Explore Double Payday",
            "legal 16px at 60%: UK residents. 18+. Eligibility based on previous month’s salary. Current Account and Double Payday Ts&Cs apply. ('Current Account' and 'Double Payday Ts&Cs' are underlined links)"
          ],
          "phone_breaks": "h2 'Make payday / twice as nice' (358px)"
        },
        {
          "name": "A regulated bank with 24/7 support (feature grid)",
          "summary": "Centered h2 and CTA under an 80px animated app icon, flanked by two columns of two cards each, coral and navy in a checkerboard",
          "ground": "#FFFFFF",
          "desktop": "Section y 6520-7352. Left column x 64, right column x 1036; cards 340x320, radius 32px, 64px between rows (y 6584 and 6968). Order: left 24/7 support (#FF4F40), Deposit cash and cheques (#112231); right No hidden fees (#112231), FSCS protected (#FF4F40). Center: Monzo app icon (app-icon.png; video homepage-monzo-app-icon) 80x80 at y 6793, h2 480px centered (two lines), primary CTA y 7031",
          "phone": "Icon, h2, CTA first, then the cards as a 340px carousel with 4 dots ('Card 1 of 4')",
          "anatomy": [
            "Card: media on top 340x156-178 (animated UI), then a tag pill (MonzoSansText 16px 600 white on a translucent white pill) and a 16px/22.4px 600 white sentence, 24px side padding"
          ],
          "components": "feature_tile, button_primary",
          "copy": [
            "h2: A regulated bank with 24/7 support",
            "CTA: Open a free Monzo account",
            "24/7 support (coral): You can speak to us through our in-app chat – whenever, wherever. We're here for you 24/7.",
            "Deposit cash and cheques (navy): Add cash to your account at any PayPoint or Post Office (£1 per deposit), and pay in cheques via the app.",
            "No hidden fees (navy): Our current accounts are free and we don’t charge monthly fees or surprise you with hidden costs.",
            "FSCS protected (coral): Your eligible money in Monzo is protected by the FSCS up to £120,000 per person."
          ],
          "phone_breaks": "h2 'A regulated bank / with 24/7 support' on both widths (480px max column on desktop, centred)"
        },
        {
          "name": "Which? recommended 2 years in a row (proof band)",
          "summary": "Inset navy panel: the two Which? roundels left, white h2 + line + white CTA right",
          "ground": "#112231 panel on #FFFFFF",
          "desktop": "Panel 1312x554 at x 64, y 7416, radius 64px, padding 64px. Image 568x426 at x 128, radius 32px (the two badges on navy). Text column x 744, 568px: h2 39.06px white two lines (y 7584), line 20px white at 90%, white CTA 262x48",
          "phone": "Panel 358x576, radius 32px, padding 24px; image 310x233 on top (radius 24px), h2 33.76px three lines, full-width white CTA",
          "anatomy": [
            "Primary CTA inverts on navy: white fill, #091723 label"
          ],
          "components": "proof_band, button_white",
          "copy": [
            "h2: Which? recommended 2 years in a row",
            "line: Join 16 million people already banking with Monzo.",
            "CTA: Open a free Monzo account (white)"
          ],
          "phone_breaks": "h2 three lines 'Which? / recommended / 2 years in a row' (310px, panel padding 24px). Desktop two lines 'Which? recommended / 2 years in a row' in 568px"
        },
        {
          "name": "Apply for an account in 10 minutes (steps)",
          "summary": "Inset #F2F8F3 panel: centered h2, a two-line 20px intro, a primary CTA, then three numbered step cards left and one large media right, with vertical pager dots",
          "ground": "#F2F8F3 panel on #FFFFFF",
          "desktop": "Panel 1312x919 at x 64, y 8098, radius 64px, padding 64px. h2 centered y 8162 (720 wide, 47 tall, one line). Intro centered at y 8225, max 720, 20px/28px #091723 at 60%, two lines (break after 'changed the'); CTA 262x48 centered at y 8313. Steps column x 128, 560 wide: three step buttons 139px tall, radius 16px, padding 24px, 24px apart. Media 560x560 at x 752, y 8393. Vertical dots at x 1336 (active bar 24x60)",
          "phone": "Panel without the inset; each step is a stacked card 358 wide radius 24px: media 358x358 on top, then 'Step 1' 19.28px 600, title 23.23px 700, text 16px",
          "anatomy": [
            "Resting state (what a still shows): step 1 active: white card, 'Step' 16px 600 and numeral MonzoSansDisplay 61px/73px 800 in #FF4F40, title 25px 700 #091723, description 16px shown. Steps 2 and 3: no fill, all text #091723 at 60%, descriptions collapsed (height 0)",
            "Step card inner layout (step 1, card 560x139 at x 128, y 8441, padding 24px): a 60px-wide left column centered at x 178 holding 'Step' (16px/17.6 600, y 8465) over the numeral (61px/73px 800, y 8482); text column at x 236, 428px wide: title 25px/27.5px 700 at y 8470, description 16px/22.4 at 60% at y 8506 (two lines). Steps 2 and 3 have the same columns; their descriptions are height 0 (observed, https://monzo.com/, 2026-10-30)",
            "Steps advance as the reader scrolls and the media swaps (animation only). Step 1 media: two coral Monzo cards with '♥ Join 16 million customers'",
            "Titles: Open a free Monzo account / Fill out a few questions / Add your Hot Coral card to your digital wallet"
          ],
          "components": "step_list, button_primary",
          "copy": [
            "h2: Apply for an account in 10 minutes",
            "intro: Join over 16 million personal and business customers who've changed the way they bank.",
            "CTA: Open a free Monzo account",
            "Step 1, Open a free Monzo account: It takes just 10 minutes to apply, and comes with innovative features to help you manage your money.",
            "Step 2, Fill out a few questions: We'll ask you some questions to help us set up your account, but there's no lengthy paperwork to fill in. In fact, it only takes a few minutes.",
            "Step 3, Add your Hot Coral card to your digital wallet: Once your account's open, you can start using your card straight away with your digital wallet."
          ],
          "spacing_after": "Panel ends at y 9017 (8098 + 919). Then 64px of white page, then the security section starts at y 9081 with 64px top padding, so the security h2 is at y 9145: 128px below the panel's bottom edge. Don't start the next section flush against the panel (observed, https://monzo.com/, 2026-10-29)",
          "phone_breaks": "h2 'Apply for an account / in 10 minutes' (358px; desktop one line)"
        },
        {
          "name": "Security you can bank on (UI spotlight)",
          "summary": "Centered h2, a two-line 20px intro, CTA; a phone screenshot in the middle with three feature items on each side; the active item gets a light card",
          "ground": "#FFFFFF",
          "desktop": "Section y 9081-10262. h2 y 9145 (477 wide, one line); intro centered at y 9208, max 720, 20px/28px #091723 at 60%, two lines (break after '24/7'); CTA 'How we protect your money' y 9296. Phone image 395x790 at x 523, y 9392. Left items x 64, right items x 981, each 395 wide, padding 16px, radius 16px. Left: Call status, Instant notifications, Card freeze; right: Biometric login, Extra security controls, Emergency logout. Item titles (20px/28px) at y 9588, 9777, 9922 on the left (x 80) and 9565, 9710, 9900 on the right (x 997); text 8px below each title; item boxes start 16px above their titles. Left items are 299-363px wide text blocks, staggered rather than evenly spaced (observed, https://monzo.com/, 2026-10-30)",
          "phone": "Phone image first, then the items as a 320px carousel with 6 dots",
          "anatomy": [
            "Resting state: 'Call status' active: #F2F8F3 card radius 16px, phone shows the call-status screen. Others have no fill",
            "Item title MonzoSansDisplay 20px/28px 600; text 16px/22.4 at 60%",
            "'Industry first' round coral sticker 56x56 at the item's top right (Call status, Extra security controls)"
          ],
          "components": "spotlight_item, button_primary",
          "copy": [
            "h2: Security you can bank on",
            "intro: We help keep your money safe with industry-first fraud protection and 24/7 support.",
            "CTA: How we protect your money",
            "Call status: This feature tells you if you're really speaking to Monzo, or if it could be a scammer. It helps prevent around 1,000 fraud attempts a month.",
            "Instant notifications: Get notified the second you spend, so you’re in the know wherever you go.",
            "Card freeze: Instantly freeze your card in the app if it gets lost, stolen or you suspect fraud.",
            "Biometric login: Switch on face or fingerprint ID to unlock your app and authorise payments.",
            "Extra security controls: Add an extra layer of protection when making large payments. Use known locations, a secret QR code or trusted contacts to verify it’s you.",
            "Emergency logout: If your phone’s lost or stolen, log into your account from another device to freeze and unfreeze your accounts and remotely log out of all your devices."
          ],
          "phone_breaks": "h2 'Security you / can bank on' (358px; desktop one line, 477px)"
        },
        {
          "name": "Independent service quality survey results (regulatory ranking)",
          "summary": "Regulatory block: sticky description left, two ranking cards right (Great Britain, Northern Ireland), each with the bar chart image and a primary button",
          "ground": "#FFFFFF",
          "desktop": "Section y 10263-11786, padding 64px 24px. Left description 778px wide at x 24, position sticky top 54px: 'Published August 2026' tag (16px 600 #091723 at 60% on a #F2F8F3 label), h2 MonzoSansDisplay 44px/52.8 800 (two lines, 650 wide), subtitle 'Personal current accounts' 24px/33.6 600 #FF4F40, text 16px at 60%. Right: cards 550x665 at x 866, radius 64px, padding 64px, #F2F8F3, 64px apart; card h3 16px 600 MonzoSansDisplay; chart image 422x430; button 'View full results for Great Britain' 305x48 primary",
          "phone": "Stacked: tag 14px, h2 32px/38.4, subtitle 20px, text, then cards 358 wide radius 16px padding 24px, button 13.28px 245x44",
          "anatomy": [
            "Resting state: the description sits at the top beside the first card"
          ],
          "components": "ranking_card, button_primary",
          "copy": [
            "tag: Published August 2026",
            "h2: Independent service quality survey results",
            "subtitle: Personal current accounts",
            "text: As part of a regulatory requirement, independent surveys were conducted to ask customers of the largest personal current account providers in Great Britain and Northern Ireland if they would recommend their provider to friends and family. The results represent the view of customers who took part in the survey.",
            "cards: Great Britain (button: View full results for Great Britain), Northern Ireland (button: View full results for Northern Ireland)"
          ],
          "phone_breaks": "h2 'Independent service / quality survey results' on both widths (650px box desktop, 358px phone)"
        },
        {
          "name": "APP fraud rankings (regulatory note)",
          "summary": "Tag, one-line h2 and one paragraph with a bold underlined link",
          "ground": "#FFFFFF",
          "desktop": "Section y 11786-12098, padding 64px 24px. Tag 'Published February 2026' at x 100; h2 44px 800 one line, 1264 wide at x 88; text 16px at 60% with a 700 #091723 underlined link to the PSR PDF",
          "phone": "h2 32px three lines, text 16px",
          "anatomy": [],
          "components": "text_block",
          "copy": [
            "tag: Published February 2026",
            "h2: Authorised push payment (APP) fraud rankings in 2024",
            "text: Authorised push payment (APP) scams happen when someone is tricked into transferring money to a fraudster’s bank account. Information about Monzo’s performance prior to the introduction of the reimbursement requirement in October 2024 can be found in PSR's latest APP Scams Performance Report published in February 2026. (link 700 #091723 underlined: PSR's latest APP Scams Performance Report)"
          ],
          "phone_breaks": "h2 'Authorised push / payment (APP) fraud / rankings in 2024' (358px; desktop one line, 1264px)"
        }
      ],
      "footer": {
        "summary": "A navy #112231 panel with 64px top corners, inset 24px: five link columns, a locale pill, the coral wordmark set the full content width, the legal paragraph, then social icons and app-store badges",
        "ground": "#112231",
        "anatomy": [
          "Panel x 24, width 1392, from y 12162, 1577 tall at 1440; radius 64px 64px 0 0; padding 64px 64px 0 (content x 88-1352). Bottom edge sits on the page bottom",
          "Desktop stack (a vertical flex, gap 48px between groups): link columns y 12226-13046 (820 tall, columns gap 48px), locale row 13093-13175 (82 tall incl. 24px top and bottom padding; pill centered), wordmark 13224-13444, legal 13492-13575 (incl. 16px margin under the <p>), socials and store badges 13623-13675, then 64px bottom padding to 13739 (observed, https://monzo.com/, 2026-10-30)",
          "Columns 280px wide at x 88, 416, 744, 1072 (328px step). Headings MonzoSansDisplay 25px/30px 700 #FFFFFF (Raleway 750, -0.5px); links MonzoSansText 16px/22.4px 600 #FFFFFF (Onest 550), 44px rows, no underline, hover #C9D0C6 (0.2s linear)",
          "Products: Current accounts, Business accounts, Savings, Credit cards, Loans, Investments, Pensions, Home Insurance",
          "Company: Careers, Press, Blog, The Book of Money, Investor information, Helping everyone belong, Modern slavery statement, Sustainability",
          "Using Monzo: Web app login, Accessibility, Additional support, Life events, Terms and Conditions, Information about our current account services, Savings hub, Personal loan calculator, Currency Converter, 1p Savings Challenge",
          "Help and security: Help centre, FAQs, Fraud protection, Security at Monzo, Money worries, FSCS information",
          "Site and app information (second row, x 88, y 12754, heading wraps to two lines): Privacy notice, Cookie notice, Browser support policy, Mobile operating system support policy, App performance",
          "Locale pill centered at y 13117: '🇬🇧 United Kingdom | English', 263x34, white at 20% opacity, radius 100px, padding 4px 12px, label 16px 700 white",
          "Wordmark: the monzo logo SVG (wordmark-footer.svg, viewBox 0 0 1452 253) in #FF4F40, 1264x220 at y 13224 (full content width)",
          "Legal paragraph at y 13492: a <p> that opens with a <br> (one empty 16px/22.4px line, 19px of space) and then a <small> set 12.8px/17.92px 400 #FFFFFF, 1261px wide, TWO lines at 1440 (break after 'Financial Conduct Authority and'). Not 16px. Text: 'Monzo Bank Limited is a company registered in England and Wales (No.09446231). Monzo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our financial Services Register number is 730427. Our address is Broadwalk House, 5 Appold St, London EC2A 2AG.' (observed, https://monzo.com/, 2026-10-29)",
          "Bottom row centered at y 13622: four white social glyphs 54x54 in 56x44 hit areas, 16px apart (Instagram, Facebook, LinkedIn, YouTube), then App Store badge 156x52 and Google Play badge 176x52 (black, radius 16px)",
          "No copyright line and no phone number in the footer"
        ],
        "phone": "Panel full width, radius 32px 32px 0 0, padding 32px 16px. Order: locale pill at top, then the five columns stacked one per row (headings 23.23px), store badges row, socials spread across the width, wordmark 326x57, legal paragraph"
      },
      "dark_ground": {
        "secondary_button": "outline pill with a 2px #FFFFFF ring and white label (carousel slides on #112231); primary on navy is the white pill with #091723 label",
        "link": "#FFFFFF 600, no underline, hover #C9D0C6",
        "muted_text": "#FFFFFF at 90% for body on navy and coral (no grey hex)",
        "hairline": "none: the footer and navy bands use no rules",
        "logo_variant": "coral #FF4F40 wordmark on #112231 (footer); there is no white wordmark on the homepage"
      },
      "rules": [
        "Product media coral is the brand coral: every coral media ground renders #FF4F40. Use the supplied *-frame.jpg stills as they are: no filter, no tint, no colored placeholder behind them. Media radii: product, travel and savings card media 32px; payday media 624x624 radius 32px; slide media 571x571 radius 64px on ALL four corners (its left corners are rounded too, inside the panel) (observed, https://monzo.com/, 2026-10-30)",
        "Lock band heights at 1440 (set height, not just padding; our recipe, from the observed tops at https://monzo.com/, 2026-10-29/30): header 0-87, hero 87-955 (868), product carousel 955-1932 (977), slides 1932-2942 (1010), accounts 2942-3933 (991), travel 3933-4762 (829), savings 4762-5768 (1006 panel), payday split 5768-6520 (752), feature grid 6520-7416 (896), Which? panel 7416-7970 (554) + 128 gap, steps panel 8098-9017 (919) + 64 gap, security 9081-10262 (1181), ranking 10262-11784, APP note 11786-12098 (312), footer 12162-13739 (1577). Page height 13739. A band whose content wraps one line longer in Onest must still end at its listed y.",
        "UI glyphs not supplied as files: previous arrow = icon-arrow-right.svg mirrored (scaleX(-1)), our recipe. The carousel play icon, nav chevron and phone menu icon are not measured: keep them fine-lined and small inside their observed hit areas (play 48x48, chevron 24x24, menu 24x24)"
      ]
    },
    "bands": [
      {
        "label": "Sticky translucent white nav, 87px: coral wordmark, Personal/Business pill track, navy Sign up pill",
        "ground": "#FFFFFF",
        "content": "nav",
        "desktop": "87px, white at 70%; logo 118x24 x 33; track 297x48 at x 176; Sign up 108x51 at x 1300",
        "phone": "65px: hamburger 24 at x 8, logo 94x16, Sign up 83x37",
        "anatomy": [
          "Personal opens a #F2F8F3 mega-menu panel 884x753 on hover",
          "Business is a plain link"
        ]
      },
      {
        "label": "Rounded full-width video hero with white headline left and trust badges on the media",
        "ground": "#FFFFFF",
        "content": "hero",
        "desktop": "panel 1392x750 at x 24, radius 64px; h1 48.83px/800 white at x 100, y 376; subline 20px; white pill CTA 264x48 at y 597; badges top right and bottom right; legal line right-aligned below",
        "phone": "full-bleed 390x750, bottom corners 34px; h1 40.67px; badges row at the bottom",
        "anatomy": [
          "Resting frame: a woman holding a red sorbet cone among large green leaves (hero-frame-desktop.jpg); the phone paying over peaches is one of the loop's other scenes",
          "Video loops: animation only"
        ]
      },
      {
        "label": "Product carousel: left h2 + CTA, arrows right, 320px cards with media, title, text, Learn more",
        "ground": "#FFFFFF",
        "content": "cards",
        "desktop": "h2 at 64px top padding; cards 320 wide, 24px gap, media radius 32px, row bleeds to the right page edge",
        "phone": "cards 320, arrows centered below, CTA full width",
        "anatomy": [
          "6 cards",
          "Legal small print block under the row"
        ]
      },
      {
        "label": "Wide slide carousel of 64px-radius split panels, alternating #F2F8F3 and #112231",
        "ground": "#FFFFFF",
        "content": "carousel",
        "desktop": "slides 1141x571 centered, next slide peeks at x 1315; text half + 571px square image; play, dots, next below",
        "phone": "slides stack vertically as 358px cards",
        "anatomy": [
          "5 slides",
          "Not auto-playing at rest"
        ]
      },
      {
        "label": "Account and plan cards, 3-up #F2F8F3, radius 32px, with View all",
        "ground": "#FFFFFF",
        "content": "cards",
        "desktop": "421px cards, 24px gaps, 2 rows visible",
        "phone": "320px horizontal row",
        "anatomy": [
          "Card illustration + circled arrow, title 25px, price pill on plans, text, legal line"
        ]
      },
      {
        "label": "Travel carousel: same pattern as the product carousel, outline + primary buttons",
        "ground": "#FFFFFF",
        "content": "cards",
        "desktop": "buttons outline then primary; 5 cards",
        "phone": "primary above outline, full width",
        "anatomy": [
          "No Learn more buttons on these cards"
        ]
      },
      {
        "label": "Inset #F2F8F3 savings band, radius 64px, 3 cards",
        "ground": "#F2F8F3",
        "content": "cards",
        "desktop": "panel 1312 wide at x 64, padding 64px; cards 379",
        "phone": "full-bleed, 320px carousel",
        "anatomy": [
          "Centered h2, intro, two buttons"
        ]
      },
      {
        "label": "Split feature: text left, 624px square coral media right",
        "ground": "#FFFFFF",
        "content": "split",
        "desktop": "two 624px columns at x 64 and 752",
        "phone": "text then media",
        "anatomy": [
          "20px body at 60%",
          "Legal small print under the button"
        ]
      },
      {
        "label": "Feature grid: centered h2 + app icon, 4 coral/navy cards in a checkerboard",
        "ground": "#FFFFFF",
        "content": "grid",
        "desktop": "cards 340x320 at x 64 and 1036, 64px row gap; center column 480",
        "phone": "cards become a 340px carousel with dots",
        "anatomy": [
          "Card: media, translucent tag pill, 16px 600 white text"
        ]
      },
      {
        "label": "Navy proof band, radius 64px: Which? badges left, white text and white CTA right",
        "ground": "#112231",
        "content": "proof",
        "desktop": "1312x554 at x 64, padding 64px; image 568x426",
        "phone": "358x576 radius 32px, image on top",
        "anatomy": [
          "Primary CTA inverts to white"
        ]
      },
      {
        "label": "Inset #F2F8F3 steps band: 3 step cards left, media right",
        "ground": "#F2F8F3",
        "content": "steps",
        "desktop": "1312x919 radius 64px; steps 560x139 radius 16px; media 560x560",
        "phone": "stacked step cards with media",
        "anatomy": [
          "Step 1 active at rest: white card, coral 61px numeral"
        ]
      },
      {
        "label": "Security spotlight: phone screenshot centered, three items each side",
        "ground": "#FFFFFF",
        "content": "spotlight",
        "desktop": "phone 395x790 at x 523; items 395 wide",
        "phone": "phone then carousel of items",
        "anatomy": [
          "Active item #F2F8F3 radius 16px"
        ]
      },
      {
        "label": "Regulatory ranking: sticky text left, #F2F8F3 ranking cards right",
        "ground": "#FFFFFF",
        "content": "ranking",
        "desktop": "description sticky top 54px; cards 550x665 radius 64px at x 866",
        "phone": "stacked, cards radius 16px",
        "anatomy": [
          "h2 44px 800",
          "coral 24px subtitle"
        ]
      },
      {
        "label": "APP fraud note: tag, one-line 44px h2, paragraph",
        "ground": "#FFFFFF",
        "content": "text",
        "desktop": "padding 64px 24px, text at x 88",
        "phone": "h2 32px",
        "anatomy": [
          "Bold underlined link"
        ]
      },
      {
        "label": "Navy footer panel, 64px top corners: 5 link columns, locale pill, full-width coral wordmark, legal, socials and store badges",
        "ground": "#112231",
        "content": "footer",
        "desktop": "x 24, 1392 wide, padding 64px 64px 0",
        "phone": "radius 32px top, padding 32px 16px, columns stacked",
        "anatomy": [
          "Wordmark 1264x220 #FF4F40"
        ]
      }
    ],
    "layout": {
      "page_margin": {
        "desktop": 64,
        "phone": 16
      },
      "outer_inset": {
        "desktop": 24,
        "phone": 0,
        "note": "hero, ranking and footer panels sit 24px from the viewport edge; everything else on a 64px margin (1312px content at 1440)"
      },
      "section_padding": {
        "desktop": 64,
        "phone": 32
      },
      "panel_radius": {
        "desktop": 64,
        "phone": 32
      },
      "card_radius": {
        "media": 32,
        "media_phone": 24,
        "account_card": 32,
        "step_and_spotlight_item": 16,
        "megamenu_tile": 8
      },
      "container_max": 1440,
      "content_width_1440": 1312,
      "card_gap": 24,
      "carousel_card_width": 320,
      "account_card_width_1440": 421,
      "split_column_1440": 624,
      "nav_height": 87,
      "button_height": 48,
      "columns": "no fixed 12-column grid observed; layouts are flex rows of fixed-width cards (320, 379, 421, 560, 624)",
      "prov": "observed",
      "source": "https://monzo.com/",
      "date": "2026-10-29",
      "nav_height_phone": 65,
      "panel_padding_note": {
        "desktop": 64,
        "phone": "32px 16px (savings), 24px (Which?)"
      }
    },
    "type": [
      {
        "face": "display",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "hero-headline",
        "role": "Hero headline h1 (real MonzoSansDisplay 800; set Raleway 900)",
        "size": {
          "desktop": 48.83,
          "phone": 40.67
        },
        "line_height": 1.2,
        "tracking_px": 0,
        "weight": 900,
        "real_weight": 800,
        "note": "58.59px / 48.80px line height; letter-spacing normal on the real face"
      },
      {
        "face": "display",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "section-headline-h2",
        "role": "Section headline h2 (real MonzoSansDisplay 800; set Raleway 900)",
        "size": {
          "desktop": 39.06,
          "phone": 33.73
        },
        "line_height": 1.2,
        "tracking_px": 0,
        "weight": 900,
        "real_weight": 800,
        "note": "46.87px / 40.48px line height"
      },
      {
        "face": "display",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "regulatory-headline",
        "role": "Regulatory headline h2 (real MonzoSansDisplay 800; set Raleway 900)",
        "size": {
          "desktop": 44,
          "phone": 32
        },
        "line_height": 1.2,
        "tracking_px": 0,
        "weight": 900,
        "real_weight": 800,
        "note": "52.8px / 38.4px line height"
      },
      {
        "face": "display",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "step-numeral",
        "role": "Step numeral, desktop only (real MonzoSansDisplay 800; set Raleway 900)",
        "size": {
          "desktop": 61.04,
          "phone": 61.04
        },
        "line_height": 1.2,
        "tracking_px": 0,
        "weight": 900,
        "real_weight": 800,
        "note": "73.25px line height; #FF4F40 when active. Phones show the text \"Step 1\" in the emphasis role at 19.28px instead"
      },
      {
        "face": "display",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "slide-title",
        "role": "Slide title h3 (real MonzoSansDisplay 700; set Raleway 750, letter-spacing -0.02em)",
        "size": {
          "desktop": 31.25,
          "phone": 27.99
        },
        "line_height": 1.2,
        "tracking_px": -0.63,
        "weight": 750,
        "real_weight": 700,
        "note": "37.5px / 33.59px line height; tracking -0.56px on phones"
      },
      {
        "face": "display",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "carousel-card-title",
        "role": "Carousel card and step title h3 (real MonzoSansDisplay 700; set Raleway 750, -0.02em)",
        "size": {
          "desktop": 25,
          "phone": 23.23
        },
        "line_height": 1.4,
        "tracking_px": -0.5,
        "weight": 750,
        "real_weight": 700,
        "note": "35px line height desktop; 29.23px on phones (ratio 1.258). Product, travel and savings cards; step titles"
      },
      {
        "face": "display",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "account-footer-title",
        "role": "Account card title, footer heading h3 (real MonzoSansDisplay 700; set Raleway 750, -0.02em)",
        "size": {
          "desktop": 25,
          "phone": 23.23
        },
        "line_height": 1.2,
        "tracking_px": -0.5,
        "weight": 750,
        "real_weight": 700,
        "note": "30px / 27.87px line height"
      },
      {
        "face": "display",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "spotlight-item-title",
        "role": "Spotlight item title (real MonzoSansDisplay 600; set Raleway 675, -0.02em)",
        "size": {
          "desktop": 20,
          "phone": 19.28
        },
        "line_height": 1.4,
        "tracking_px": -0.4,
        "weight": 675,
        "real_weight": 600,
        "note": "28px line height. Phones set it in the emphasis role (Onest 550) at 19.28px"
      },
      {
        "face": "body",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "lead-intro",
        "role": "Lead / intro (real MonzoSansText 400; set Onest 350)",
        "size": {
          "desktop": 20,
          "phone": 19.28
        },
        "line_height": 1.4,
        "tracking_px": 0,
        "weight": 350,
        "real_weight": 400,
        "note": "28px / 26.99px line height; #091723 at 60% on white, white at 90% on navy, white on photos"
      },
      {
        "face": "body",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "body",
        "role": "Body (real MonzoSansText 400; set Onest 350)",
        "size": {
          "desktop": 16,
          "phone": 16
        },
        "line_height": 1.4,
        "tracking_px": 0,
        "weight": 350,
        "real_weight": 400,
        "note": "22.4px line height"
      },
      {
        "face": "body",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "emphasis-body",
        "role": "Emphasis: tile text, footer links, prices, tags, nav labels (real MonzoSansText 600; set Onest 550)",
        "size": {
          "desktop": 16,
          "phone": 16
        },
        "line_height": 1.4,
        "tracking_px": 0.16,
        "weight": 550,
        "real_weight": 600,
        "note": "22.4px line height"
      },
      {
        "face": "body",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "button-label",
        "role": "Button label (real MonzoSansText 600; set Onest 550, letter-spacing 0.01em)",
        "size": {
          "desktop": 16,
          "phone": 16
        },
        "line_height": 1.4,
        "tracking_px": 0.16,
        "weight": 550,
        "real_weight": 600,
        "note": "Small 'Learn more' button 12.8px (13.28px on phones); nav Sign up 13.28px on phones"
      },
      {
        "face": "body",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "mega-menu-group",
        "role": "Mega-menu group, desktop only (real MonzoSansText 600; set Onest 550)",
        "size": {
          "desktop": 20,
          "phone": 20
        },
        "line_height": 1.15,
        "tracking_px": 0.2,
        "weight": 550,
        "real_weight": 600,
        "note": "23px line height; the mega-menu does not exist on phones"
      },
      {
        "face": "body",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "ranking-subtitle",
        "role": "Ranking subtitle (real MonzoSansText 600; set Onest 550)",
        "size": {
          "desktop": 24,
          "phone": 20
        },
        "line_height": 1.4,
        "tracking_px": 0.24,
        "weight": 550,
        "real_weight": 600,
        "note": "33.6px / 28px line height; #FF4F40"
      },
      {
        "face": "body",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)",
        "id": "legal-small-print",
        "role": "Legal small print, in cards and the footer paragraph (real MonzoSansText 400; set Onest 350)",
        "size": {
          "desktop": 12.8,
          "phone": 13.28
        },
        "line_height": 1.4,
        "tracking_px": 0,
        "weight": 350,
        "real_weight": 400,
        "note": "17.92px line height. Page-level legal blocks under carousels and the payday split are 16px/22.4px at 60%"
      }
    ],
    "components": {
      "button_primary": {
        "fill": "#091723",
        "text": "#FFFFFF",
        "radius": "pill",
        "height": 48,
        "padding_x": 24,
        "font_size": 16,
        "weight": 550,
        "states": {
          "hover": {
            "measured": {
              "fill": "#2C3A43",
              "border": "1px solid #2C3A43",
              "transition": "background-color, color 0.3s ease-in-out 0.1s"
            },
            "prov": "observed",
            "source": "https://monzo.com/"
          },
          "focus": {
            "measured": {
              "outline": "1px solid #218FB7"
            },
            "prov": "observed",
            "source": "https://monzo.com/"
          }
        },
        "note": "Used for every 'Open a free Monzo account', nav Sign up (108x51, padding 12px 24px) and ranking buttons. Centered under centered h2s, left under left h2s. CSS radius is 500px (nav Sign up) / 128px; any pill radius renders the same. Label weight 550 is the Onest stand-in for MonzoSansText 600 (calibrated)"
      },
      "button_white": {
        "fill": "#FFFFFF",
        "text": "#091723",
        "radius": "pill",
        "height": 48,
        "padding_x": 24,
        "font_size": 16,
        "weight": 550,
        "states": {
          "hover": {
            "measured": {
              "fill": "rgba(255,255,255,0.8)",
              "transition": "background-color 0.2s"
            },
            "prov": "observed",
            "source": "https://monzo.com/"
          },
          "focus": {
            "measured": {
              "outline": "1px solid #218FB7"
            },
            "prov": "observed",
            "source": "https://monzo.com/"
          }
        },
        "note": "Primary on photos and navy (hero, Which? band). Label weight 550 is the Onest stand-in for MonzoSansText 600 (calibrated)"
      },
      "button_secondary_outline": {
        "fill": "#FFFFFF00",
        "text": "#091723",
        "ring_px": 2,
        "ring": "#091723",
        "radius": "pill",
        "height": 48,
        "padding_x": 24,
        "font_size": 16,
        "weight": 550,
        "states": {
          "hover": {
            "measured": {
              "fill": "rgba(9,23,35,0.1)",
              "transition": "background-color 0.3s linear"
            },
            "prov": "observed",
            "source": "https://monzo.com/"
          },
          "focus": {
            "measured": {
              "outline": "2px solid #009ACE"
            },
            "prov": "observed",
            "source": "https://monzo.com/"
          }
        },
        "note": "White ring and text on #112231 slides. Small variant 'Learn more': 36px tall, 12.8px, padding 0 16px. Label weight 550 is the Onest stand-in for MonzoSansText 600 (calibrated)"
      },
      "carousel_arrow": {
        "size": 48,
        "ring_px": 2,
        "ring": "#091723",
        "radius": "pill",
        "icon": "arrow 24px #091723",
        "disabled": "ring #091723 at 10%, icon at 30%",
        "hover": "fill #091723 at 10%",
        "note": "48px circle (radius 50%)"
      },
      "carousel_dots": {
        "anatomy": "dots 8px #091723 at 30%-ish in 24x32 hit areas; the active dot is a wide bar (52px hit area). Exact dot size not measured"
      },
      "product_card": {
        "anatomy": "media 320x320 radius 32px; title 25px/35px 700 24px below; text 16px at 60%; optional Learn more small outline button"
      },
      "account_card": {
        "anatomy": "#F2F8F3, radius 32px, padding 32px 24px 24px, whole card a link; card image (a 55-56x35 bank card in a 48px-tall box, the account-card-*.png images in study.slot_assets) + 36px circled arrow (2px ring); 25px title; optional white price pill 16px 600; text; 12.8px legal pinned bottom"
      },
      "slide_panel": {
        "anatomy": "1141x571, radius 64px, overflow hidden; text half 48px inset; image square flush right; ground #F2F8F3 or #112231"
      },
      "feature_tile": {
        "anatomy": "340x320, radius 32px, #FF4F40 or #112231; media top 178px; tag pill 16px 600 white on translucent white; 16px 600 white text"
      },
      "step_list": {
        "anatomy": "560x139 buttons radius 16px padding 24px; active white with coral 'Step' + 61px numeral; inactive transparent at 60%"
      },
      "tag_label": {
        "anatomy": "'Published August 2026': MonzoSansText 16px 600 #091723 at 60% on #F2F8F3, small radius (not measured)"
      },
      "locale_pill": {
        "anatomy": "263x34, white at 20% on #112231, radius 100px, padding 4px 12px, flag emoji + 16px 700 white"
      },
      "account_card_arrow": {
        "size": 36,
        "ring_px": 2,
        "ring": "#091723",
        "radius": "pill",
        "icon": "arrow 24px #091723 (icon-arrow-right.svg), centred, 6px inset",
        "note": "36x36 circle, 2px solid #091723 border, radius 128px, at the card top right (x 359, y 46 inside a 421px card at 1440). Not the 48px carousel arrow",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)"
      },
      "nav_item": {
        "anatomy": "Personal and Business: 24px solid filled glyphs (icon-nav-personal.svg, icon-nav-business.svg; not outline icons) + label MonzoSansText 16px 600, both icon and label #091723 at 60% at rest, INCLUDING the active Personal item; hover #091723. Personal sits on a white pill 152x40 (padding 8px 8px 8px 12px, radius 100px) with a 24px chevron in the same 60% navy; Business 125x40, padding 8px 12px, no fill. 8px icon-to-label gap",
        "prov": "observed",
        "source": "https://monzo.com/ (2026-10-29)"
      }
    },
    "motion": [
      {
        "name": "button-primary",
        "easing": "ease-in-out",
        "duration_ms": 300,
        "use": "primary hover fill, 0.1s delay",
        "prov": "observed",
        "source": "https://monzo.com/"
      },
      {
        "name": "button-outline",
        "easing": "linear",
        "duration_ms": 300,
        "use": "outline and arrow hover fill",
        "prov": "observed",
        "source": "https://monzo.com/"
      },
      {
        "name": "white-button-and-links",
        "easing": "ease",
        "duration_ms": 200,
        "use": "white button fill, footer link color",
        "prov": "observed",
        "source": "https://monzo.com/"
      },
      {
        "name": "media-on-view",
        "use": "card and slide media are videos that play once when scrolled into view (paused at rest, first frame shows); the hero video loops. 52 prefers-reduced-motion blocks in the CSS gate motion",
        "prov": "observed",
        "source": "https://monzo.com/"
      },
      {
        "name": "steps-scroll",
        "use": "Apply steps activate one by one as the page scrolls; entrance fades. Resting state: step 1 active, fully opaque (animation only)",
        "prov": "observed",
        "source": "https://monzo.com/"
      }
    ],
    "responsive": {
      "measured_at": [
        390,
        1440
      ],
      "source": "https://monzo.com/",
      "date": "2026-10-29",
      "prov": "observed",
      "rows": [
        {
          "what": "hero headline",
          "values": {
            "390": "40.67px/48.8 800",
            "1440": "48.83px/58.59 800"
          }
        },
        {
          "what": "section h2",
          "values": {
            "390": "33.73px/40.48",
            "1440": "39.06px/46.87"
          }
        },
        {
          "what": "lead",
          "values": {
            "390": "19.28px/26.99",
            "1440": "20px/28px"
          }
        },
        {
          "what": "page margin",
          "values": {
            "390": "16px",
            "1440": "64px (24px for hero/footer panels)"
          }
        },
        {
          "what": "panel radius",
          "values": {
            "390": "32px (hero bottom 34px)",
            "1440": "64px"
          }
        },
        {
          "what": "buttons",
          "values": {
            "390": "full width 358px when stacked, primary first",
            "1440": "auto width, outline before primary"
          }
        },
        {
          "what": "feature slides",
          "values": {
            "390": "stacked cards",
            "1440": "carousel, next slide peeking"
          }
        }
      ]
    },
    "breakpoints": {
      "all": [
        480,
        768,
        820,
        1024,
        1041,
        1440
      ],
      "note": "CSS media queries: min-width 30.0625rem, 48.0625rem, 51.25rem (most used after 90rem), 64rem, 65.0625rem, 90rem; max-width 30rem, 38.5rem, 48rem, 51.25rem. Only 390 and 1440 measured",
      "phone_max": 767
    },
    "how": "computed styles read with Playwright at 1440x900 and 390x844, cookies rejected, geo locale banner closed, scrolled to top"
  },
  "system": {
    "fixed": [
      "The lowercase monzo wordmark in hot coral, soft white or deep navy",
      "Hot coral present in every piece",
      "Oldschool Grotesk-style big headlines, Monzo Sans for everything functional, sentence case",
      "Warm, sunny photography of real people and the product in context",
      "Flat app screens and card with the midday shadow",
      "Straightforward kindness in every word"
    ],
    "flex": "Colour mood and voice dial together: from all-out hot coral with high wit (campaigns, social) to deep navy and soft white with no wit (websites deeper in, operational comms); secondary colours open up the deeper people go.",
    "traits": [
      {
        "is": "Straightforwardly kind",
        "not": "formal or distant",
        "text": "Clear, inclusive, reader-first; serious is not the same as formal.",
        "source": "https://monzo.com/tone-of-voice",
        "prov": "published"
      },
      {
        "is": "Everyday magic",
        "not": "literal magic",
        "text": "Transforms the mundane with unexpected delight; never \"hey presto\".",
        "source": "https://monzo.com/tone-of-voice",
        "prov": "published"
      },
      {
        "is": "Warmly witty",
        "not": "punching down",
        "text": "Humour as seasoning; people in on the joke.",
        "source": "https://monzo.com/tone-of-voice",
        "prov": "published"
      },
      {
        "is": "Self-assured",
        "not": "arrogant",
        "text": "A fully regulated bank, confident, never above customers.",
        "source": "https://monzo.com/tone-of-voice",
        "prov": "published"
      },
      {
        "is": "Bright and warm",
        "not": "cold",
        "text": "\"A warm analogue buzz for a cold digital world\"; always sunny.",
        "source": "Monzo style guide (Aug 2022, press kit) p.33",
        "prov": "published"
      },
      {
        "is": "Inclusive",
        "not": "stereotyping",
        "text": "Diverse casting; references most people understand.",
        "source": "Monzo style guide (Aug 2022, press kit) p.46",
        "prov": "published"
      }
    ]
  },
  "proportion": {
    "note": "Our reading, not published. The guide says hot coral and soft white or deep navy and soft white \"can be used in either proportion\" (p.19) and that coral \"doesn't always need to dominate\" (p.17). These numbers sketch the website mood (\"more deep navy\", p.18); adverts may run all-out coral.",
    "why": "p.18 names three moods (all-out coral, light and breezy, dark and slick) and says websites need more deep navy; p.22 shows a website opening coral nav on a navy hero.",
    "source": "Monzo style guide (Aug 2022, press kit) p.18",
    "parts": [
      {
        "name": "Deep navy",
        "hex": "#112231",
        "n": 45
      },
      {
        "name": "Soft white",
        "hex": "#F2F8F3",
        "n": 35
      },
      {
        "name": "Hot coral",
        "hex": "#FF4F40",
        "n": 15
      },
      {
        "name": "Secondary palette",
        "hex": "#FFD7F0",
        "n": 5
      }
    ],
    "prov": "inferred"
  },
  "formats": [
    {
      "format": "Landing page",
      "level": 3,
      "must": "Follow the live homepage anatomy: translucent white nav with the coral wordmark, a rounded photo/video hero with a white staggered headline and white pill CTA, product visuals, pill CTAs; secondary colours only in lower bands. (The 2022 guide's 'hot coral nav, deep navy or soft white hero' is older than the site.)",
      "flex": "which secondary colour panels carry the feature bands; lifestyle vs product photo in the hero"
    },
    {
      "format": "Deck",
      "level": 2,
      "must": "Soft white or deep navy slides, one hot coral moment per slide, Oldschool-style headlines short and staggered, Monzo Sans for everything else",
      "flex": "section openers may go all-out hot coral or pale blue, as the guide's own dividers do"
    },
    {
      "format": "Paid social",
      "level": 4,
      "must": "All-out hot coral or coral panel, hero-face headline, app screen or card, wordmark",
      "flex": "secondary panel colour; magic and wit high"
    },
    {
      "format": "Organic social",
      "level": 5,
      "must": "Primary palette visible, warm sunny photography or exaggerated UI elements",
      "flex": "secondary palette used freely; wit maxed out"
    },
    {
      "format": "App store screenshots",
      "level": 4,
      "must": "One feature per panel, short two-word headline, flat device with shadow",
      "flex": "panel colour from primary or secondary palette"
    },
    {
      "format": "Operational email",
      "level": 1,
      "must": "Soft white ground, small coral wordmark, Monzo Sans only, maximum clarity",
      "flex": "none; no wit"
    },
    {
      "format": "Print / OOH",
      "level": 5,
      "must": "Hot coral ground, soft white hero-face headline, card in hand, neon Pantone where possible",
      "flex": "crop of the photo, headline stagger"
    }
  ],
  "checks": [
    {
      "name": "Logo hidden",
      "text": "Cover the wordmark. It should still read as Monzo: hot coral somewhere, a puffy extra-bold headline, warm sunlight, a flat app screen or the coral card."
    },
    {
      "name": "First impression",
      "text": "Is the first screen or panel only hot coral, soft white and deep navy? Secondary colours belong further in."
    },
    {
      "name": "Hero face audit",
      "text": "Is the hero face only in big headlines, and never in UI, body, signposting, charts or exaggerated UI elements?"
    },
    {
      "name": "Sentence case",
      "text": "Every headline and line of Monzo Sans in sentence case; nothing in all caps."
    },
    {
      "name": "Read it aloud",
      "text": "Does it sound like something you would say face to face, impact before reasoning, and at most one joke?"
    },
    {
      "name": "Current facts",
      "text": "No 2022 figures (6 million) where the press page now says 16 million."
    }
  ],
  "examples": [
    {
      "chapter": "color",
      "do": {
        "ground": "accent",
        "text": "Banking made easy",
        "ink": "on_accent"
      },
      "do_caption": "Hot coral with soft white type: a primary pairing, AA at 18pt and above (p.19).",
      "dont": {
        "ground": "accent",
        "text": "Banking made easy",
        "ink": "ink",
        "mixed": true
      },
      "dont_caption": "More than one colour inside the type, or a logo colour different from the type (p.29)."
    },
    {
      "chapter": "color",
      "do": {
        "ground": "night",
        "text": "Different accounts for different needs",
        "ink": "on_night"
      },
      "do_caption": "Websites lean on deep navy with a punch of coral (p.18).",
      "dont": {
        "ground": "paper",
        "text": "Spend, save and manage money",
        "ink": "accent"
      },
      "dont_caption": "Colours outside the palette, or a secondary colour as the first impression (pp.21, 29)."
    },
    {
      "chapter": "type",
      "do": {
        "ground": "paper",
        "text": "Banking made easy",
        "ink": "accent"
      },
      "do_caption": "Hero face, short phrase, staggered lines (p.34).",
      "dont": {
        "ground": "paper",
        "text": "MONZO PREMIUM",
        "ink": "ink"
      },
      "dont_caption": "Monzo Sans in all caps (p.40)."
    },
    {
      "chapter": "type",
      "do": {
        "ground": "surface",
        "text": "Sub-headers are short and sharp.",
        "ink": "ink"
      },
      "do_caption": "Monzo Sans Semibold for small headings when Oldschool is not right (p.36).",
      "dont": {
        "ground": "surface",
        "text": "Trip to Tokyo",
        "ink": "ink",
        "face": "display"
      },
      "dont_caption": "The hero face inside UI elements (p.40)."
    },
    {
      "chapter": "logo",
      "do": {
        "ground": "paper",
        "text": "monzo",
        "ink": "accent"
      },
      "do_caption": "Hot coral wordmark on a light ground, z-width clear space (pp.7-8).",
      "dont": {
        "ground": "night",
        "text": "M + monzo",
        "ink": "on_night"
      },
      "dont_caption": "Locking the M icon up with the wordmark (p.12)."
    },
    {
      "chapter": "voice",
      "do": {
        "ground": "paper",
        "text": "We're sorry. Here's what we're doing to fix it.",
        "ink": "ink"
      },
      "do_caption": "Sorry once, sincerely, then what happens next (Writing Principles).",
      "dont": {
        "ground": "paper",
        "text": "We'd like to apologise for any inconvenience caused.",
        "ink": "ink"
      },
      "dont_caption": "Formal, distant apology (Writing Principles)."
    },
    {
      "chapter": "elements",
      "do": {
        "ground": "surface",
        "text": "Split the bill",
        "ink": "ink"
      },
      "do_caption": "A focused UI sound bite on a secondary-colour panel, no shadow (p.66).",
      "dont": {
        "ground": "surface",
        "text": "Split the bill",
        "ink": "ink",
        "shadow": true
      },
      "dont_caption": "Shadows on exaggerated story elements (p.70)."
    }
  ],
  "make_it_yours": {
    "note": "Everything above transfers. These are Monzo's own and must be replaced with yours: name and logo, purpose, positioning, messaging pillars, proof, taglines and boilerplate.",
    "replace": [
      "identity",
      "purpose",
      "positioning",
      "messaging.pillars",
      "messaging.proof_points",
      "messaging.taglines",
      "messaging.boilerplate"
    ],
    "reference": {
      "purpose": {
        "mission": {
          "text": "To build the best bank account in the world.",
          "prov": "published",
          "source": "https://monzo.com/press"
        },
        "story": {
          "text": "Founded in early 2015, a regulated bank since August 2016, now used by more than 16 million personal and business customers.",
          "prov": "published",
          "source": "https://monzo.com/press",
          "paraphrase": true
        },
        "values": [
          {
            "name": "Straightforward kindness",
            "means": "Clear, inclusive, reader-first; make complex things simple",
            "prov": "published",
            "source": "https://monzo.com/tone-of-voice"
          },
          {
            "name": "Everyday magic",
            "means": "Transform the mundane with unexpected delight; celebrate and commiserate",
            "prov": "published",
            "source": "https://monzo.com/tone-of-voice"
          },
          {
            "name": "Warm wit",
            "means": "Humour as seasoning; people feel part of the joke, never its target",
            "prov": "published",
            "source": "https://monzo.com/tone-of-voice"
          }
        ]
      },
      "positioning": {
        "statement": {
          "text": "Monzo is building a new kind of bank, one built for your smartphone and designed for the way we live today.",
          "prov": "published",
          "source": "https://monzo.com/press",
          "paraphrase": true
        },
        "category": {
          "text": "UK app-based bank (regulated since August 2016) for personal and business customers.",
          "prov": "published",
          "source": "https://monzo.com/press"
        },
        "audience": {
          "text": "Everyday people from a diverse range of backgrounds; personal, joint, under-16s and business customers.",
          "prov": "inferred",
          "source": "Monzo style guide (Aug 2022, press kit) p.46",
          "why": "Guide casting brief (p.46) plus the product lines in the press kit photo folders."
        },
        "problem": {
          "text": "Banking feels cold, formal and complicated.",
          "prov": "inferred",
          "source": "Monzo style guide (Aug 2022, press kit) p.33",
          "why": "\"A warm analogue buzz for a cold digital world\" (p.33) and Writing Principles on cold, formal business language."
        },
        "promise": {
          "text": "Banking made easy, brighter and more human.",
          "prov": "published",
          "source": "Monzo style guide (Aug 2022, press kit) p.34"
        },
        "differentiators": [
          {
            "text": "The hot coral card: an instantly recognisable physical icon.",
            "prov": "published",
            "source": "Monzo style guide (Aug 2022, press kit) p.17"
          },
          {
            "text": "An app customers love: features shown off as product visuals, not stock imagery.",
            "prov": "published",
            "source": "Monzo style guide (Aug 2022, press kit) p.58"
          },
          {
            "text": "Plain, kind, witty language in a category known for legalese.",
            "prov": "published",
            "source": "https://monzo.com/tone-of-voice"
          }
        ],
        "alternatives": [
          {
            "text": "Traditional high-street banks (not named by Monzo).",
            "prov": "inferred",
            "source": "https://monzo.com/tone-of-voice",
            "why": "Writing Principles contrast Monzo with the cold, faceless organisation and legal \"professional\" language."
          }
        ]
      },
      "messaging": {
        "taglines": [
          {
            "text": "Banking made easy",
            "prov": "published",
            "source": "Monzo style guide (Aug 2022, press kit) p.34",
            "where": "hero typeface specimen and closing spreads (pp.34, 72, 81); also the M-icon ad title \"Online Banking Made Easy\" (p.11)"
          },
          {
            "text": "Brighter Banking",
            "prov": "published",
            "source": "Monzo style guide (Aug 2022, press kit) p.8",
            "where": "logo usage spread; the guide also calls Oldschool Grotesk \"Brighter Banking with the right level of distinction\" (p.33)"
          },
          {
            "text": "Spend your money on life, not your life on money",
            "prov": "observed",
            "source": "https://monzo.com/",
            "where": "live homepage hero H1",
            "source_note": "2026-10-29"
          }
        ],
        "attributes": [
          "bright",
          "warm",
          "straightforward",
          "kind",
          "witty",
          "inclusive"
        ],
        "key_messages": [],
        "boilerplate": {
          "text": "At Monzo we're building a new kind of bank, built for your smartphone and designed for the way we live today. Founded in early 2015 with a mission to build the best bank account in the world; a regulated bank since August 2016; more than 16 million personal and business customers.",
          "prov": "published",
          "source": "https://monzo.com/press",
          "paraphrase": true
        },
        "pillars": [
          {
            "name": "Hot coral card + award-winning app",
            "claim": "The app and the hot coral card are the product and the icon.",
            "prov": "inferred",
            "source": "Monzo style guide (Aug 2022, press kit) p.61",
            "why": "Repeats as the in-use headline (pp.23, 61, 76-78) and the live homepage (\"It all starts with a Hot Coral card\").",
            "proof": [
              "p-app",
              "p-card"
            ]
          },
          {
            "name": "Money sorted, everyday",
            "claim": "Spend, save and manage money in one place: Pots, round-ups, bill splitting, trends.",
            "prov": "inferred",
            "source": "Monzo style guide (Aug 2022, press kit) p.21",
            "why": "The guide's sample copy (\"Spend, save and manage money\", \"Organise your life with pots\", \"Split the bill\") and the live homepage features.",
            "proof": [
              "p-pots",
              "p-scale"
            ]
          },
          {
            "name": "A bank for everyone",
            "claim": "A real, regulated bank that is human, warm and inclusive.",
            "prov": "inferred",
            "source": "https://monzo.com/tone-of-voice",
            "why": "Writing Principles (inclusive, kind, serious is not formal) and the press boilerplate (regulated since 2016).",
            "proof": [
              "p-licence",
              "p-scale"
            ]
          }
        ],
        "proof_points": [
          {
            "id": "p-founded",
            "kind": "other",
            "text": "Founded in early 2015.",
            "source": "https://monzo.com/press"
          },
          {
            "id": "p-licence",
            "kind": "other",
            "text": "Became a regulated bank in August 2016.",
            "source": "https://monzo.com/press"
          },
          {
            "id": "p-scale",
            "kind": "number",
            "text": "More than 16 million personal and business customers (press page, 2026). The 2022 guide's samples say 6 million.",
            "source": "https://monzo.com/press"
          },
          {
            "id": "p-team",
            "kind": "number",
            "text": "A team of more than 2,000, London HQ and remote.",
            "source": "https://monzo.com/press"
          },
          {
            "id": "p-app",
            "kind": "other",
            "text": "\"Award winning app with the hot coral card\" (guide sample headline; the awards themselves are not named).",
            "source": "Monzo style guide (Aug 2022, press kit) p.61"
          },
          {
            "id": "p-card",
            "kind": "other",
            "text": "The hot coral debit card carries the wordmark; hot coral is \"our most iconic asset\".",
            "source": "Monzo style guide (Aug 2022, press kit) p.17"
          },
          {
            "id": "p-pots",
            "kind": "other",
            "text": "Pots for separating money, round-ups, bill splitting, spending trends (guide samples and live homepage).",
            "source": "Monzo style guide (Aug 2022, press kit) p.69"
          }
        ],
        "claim_boundaries": [
          {
            "text": "Don't make ourselves the victim or look reckless: we're a big bank that protects people's money.",
            "prov": "published",
            "source": "https://monzo.com/tone-of-voice"
          },
          {
            "text": "Be self-assured but never arrogant or above customers.",
            "prov": "published",
            "source": "https://monzo.com/tone-of-voice"
          },
          {
            "text": "Never make light of money stress, shame or mental health.",
            "prov": "published",
            "source": "https://monzo.com/tone-of-voice"
          },
          {
            "text": "Do not cite customer counts from the 2022 guide (6 million); use the current press figure.",
            "prov": "inferred",
            "source": "https://monzo.com/press",
            "why": "Guide is Aug 2022; press page states 16 million."
          }
        ]
      }
    }
  }
}