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+<!-- SCD Bond Calculator — WordPress Custom HTML Block -->
+
+<div id="scd-calc" style="max-width:640px;margin:0 auto;padding:28px 24px;font-family:inherit;color:#2d2d2d;line-height:1.7;">
+
+  <h3 style="margin-bottom:12px;font-size:22px;">🧮 Estimate Your Bond Return</h3>
+
+  <p style="margin-bottom:28px;font-size:16px;line-height:1.7;color:#2d2d2d;"><em>Illustrative only — not financial advice. Bonds are not FSCS-protected. You may lose some or all of your investment.</em></p>
+
+  <!-- Inputs -->
+  <div style="display:flex;gap:16px;flex-wrap:wrap;margin-bottom:32px;">
+
+    <div style="flex:1;min-width:180px;">
+      <label for="scd-amt" style="font-size:16px;font-weight:600;display:block;margin-bottom:8px;color:#2d2d2d;">💰 Amount (£)</label>
+      <input type="number" id="scd-amt" min="20000" max="10000000" step="1000" value="75000"
+        style="width:100%;padding:12px 14px;border:2px solid #9a9a9a;border-radius:8px;font-size:18px;font-family:monospace;background:#fff;box-sizing:border-box;color:#2d2d2d;" />
+      <span style="font-size:14px;color:#595959;display:block;margin-top:6px;">Min £20,000</span>
+    </div>
+
+    <div style="flex:1;min-width:140px;">
+      <label for="scd-rate" style="font-size:16px;font-weight:600;display:block;margin-bottom:8px;color:#2d2d2d;">💹 Rate (%)</label>
+      <input type="number" id="scd-rate" min="0" max="3.5" step="0.25" value="2.75"
+        style="width:100%;padding:12px 14px;border:2px solid #9a9a9a;border-radius:8px;font-size:18px;font-family:monospace;background:#fff;box-sizing:border-box;color:#2d2d2d;" />
+      <span style="font-size:14px;color:#595959;display:block;margin-top:6px;">0 – 3.5%</span>
+    </div>
+
+    <div style="flex:1;min-width:120px;">
+      <label for="scd-term" style="font-size:16px;font-weight:600;display:block;margin-bottom:8px;color:#2d2d2d;">📅 Term (yrs)</label>
+      <input type="number" id="scd-term" min="5" max="30" step="1" value="10"
+        style="width:100%;padding:12px 14px;border:2px solid #9a9a9a;border-radius:8px;font-size:18px;font-family:monospace;background:#fff;box-sizing:border-box;color:#2d2d2d;" />
+      <span style="font-size:14px;color:#595959;display:block;margin-top:6px;">Min 5</span>
+    </div>
+
+  </div>
+
+  <!-- Interest method -->
+  <p style="font-size:16px;font-weight:600;margin-bottom:12px;color:#2d2d2d;">📈 Interest payout</p>
+  <div style="display:flex;gap:12px;flex-wrap:wrap;margin-bottom:36px;">
+    <label style="cursor:pointer;padding:12px 18px;border:2px solid #9a9a9a;border-radius:8px;font-size:16px;background:#fff;display:flex;align-items:center;gap:8px;color:#2d2d2d;">
+      <input type="radio" name="scd-m" value="cm" checked style="accent-color:#e66d00;width:20px;height:20px;flex-shrink:0;" />
+      <span>Compound at maturity</span>
+    </label>
+    <label style="cursor:pointer;padding:12px 18px;border:2px solid #9a9a9a;border-radius:8px;font-size:16px;background:#fff;display:flex;align-items:center;gap:8px;color:#2d2d2d;">
+      <input type="radio" name="scd-m" value="ca" style="accent-color:#e66d00;width:20px;height:20px;flex-shrink:0;" />
+      <span>Compound paid yearly</span>
+    </label>
+    <label style="cursor:pointer;padding:12px 18px;border:2px solid #9a9a9a;border-radius:8px;font-size:16px;background:#fff;display:flex;align-items:center;gap:8px;color:#2d2d2d;">
+      <input type="radio" name="scd-m" value="sm" style="accent-color:#e66d00;width:20px;height:20px;flex-shrink:0;" />
+      <span>Simple at maturity</span>
+    </label>
+    <label style="cursor:pointer;padding:12px 18px;border:2px solid #9a9a9a;border-radius:8px;font-size:16px;background:#fff;display:flex;align-items:center;gap:8px;color:#2d2d2d;">
+      <input type="radio" name="scd-m" value="sa" style="accent-color:#e66d00;width:20px;height:20px;flex-shrink:0;" />
+      <span>Simple paid yearly</span>
+    </label>
+  </div>
+
+  <!-- Button -->
+  <button id="scd-btn"
+    style="display:block;width:100%;padding:18px;background:#e66d00;color:#fff;font-size:20px;font-weight:700;border:none;border-radius:10px;cursor:pointer;margin-bottom:8px;letter-spacing:0.3px;">
+    Calculate
+  </button>
+
+  <!-- Error -->
+  <div id="scd-err" style="display:none;margin-top:20px;padding:16px 20px;background:#fff8f0;border:2px solid #c45500;border-radius:8px;font-size:16px;color:#3d1f00;line-height:1.7;"></div>
+
+  <!-- Results -->
+  <div id="scd-out" style="display:none;">
+
+    <hr style="margin:36px 0;border:none;border-top:2px solid #d9d5cc;" />
+
+    <h4 style="margin-bottom:20px;font-size:20px;color:#2d2d2d;">📊 Your Estimated Return</h4>
+
+    <!-- Key figures -->
+    <div style="display:grid;grid-template-columns:1fr;gap:14px;margin-bottom:24px;">
+
+      <div style="padding:20px 24px;background:#fff8f0;border-left:4px solid #e66d00;border-radius:10px;text-align:center;">
+        <div style="font-size:14px;color:#6b3500;font-weight:700;text-transform:uppercase;letter-spacing:0.5px;">Total Repayment</div>
+        <div id="scd-r-total" style="font-size:30px;font-weight:700;color:#5a2c00;margin-top:8px;">—</div>
+      </div>
+
+      <div style="padding:20px 24px;background:#fff8f0;border-left:4px solid #e66d00;border-radius:10px;text-align:center;">
+        <div style="font-size:14px;color:#6b3500;font-weight:700;text-transform:uppercase;letter-spacing:0.5px;">Total Interest</div>
+        <div id="scd-r-interest" style="font-size:30px;font-weight:700;color:#5a2c00;margin-top:8px;">—</div>
+      </div>
+
+      <div style="padding:20px 24px;background:#fff8f0;border-left:4px solid #e66d00;border-radius:10px;text-align:center;">
+        <div style="font-size:14px;color:#6b3500;font-weight:700;text-transform:uppercase;letter-spacing:0.5px;">Per-Year Income</div>
+        <div id="scd-r-annual" style="font-size:30px;font-weight:700;color:#5a2c00;margin-top:8px;">—</div>
+      </div>
+
+      <div style="padding:20px 24px;background:#eaf2ec;border-left:4px solid #2d6a4f;border-radius:10px;text-align:center;">
+        <div style="font-size:14px;color:#1a3c2e;font-weight:700;text-transform:uppercase;letter-spacing:0.5px;">Effective Rate</div>
+        <div id="scd-r-eff" style="font-size:30px;font-weight:700;color:#1a3c2e;margin-top:8px;">—</div>
+      </div>
+
+    </div>
+
+    <!-- Security -->
+    <div id="scd-r-sec" style="margin:24px 0;padding:16px 20px;border-radius:8px;font-size:16px;line-height:1.7;color:#2d2d2d;">
+      <strong>🔒 Security:</strong> <span id="scd-r-sec-text">—</span>
+    </div>
+
+    <!-- UK Tax note -->
+    <blockquote style="margin:24px 0;padding:16px 20px;background:#f5f5f0;border-left:4px solid #e66d00;font-size:15px;color:#595959;line-height:1.7;">
+      <strong style="color:#2d2d2d;">🇬🇧 UK tax:</strong> Interest is your responsibility to report. SCD notifies HMRC if any investor receives &gt;£250 interest in a year. <span id="scd-r-tax"></span>
+    </blockquote>
+
+    <!-- Year-by-year -->
+    <details style="margin:28px 0;font-size:16px;color:#2d2d2d;">
+      <summary style="cursor:pointer;font-weight:700;color:#6b3500;padding:10px 0;font-size:16px;">▾ Year-by-year breakdown</summary>
+      <div style="overflow-x:auto;margin-top:14px;-webkit-overflow-scrolling:touch;">
+        <table style="width:100%;border-collapse:collapse;font-size:15px;min-width:400px;">
+          <thead>
+            <tr style="background:#f5f5f0;">
+              <th style="padding:12px 14px;text-align:left;border-bottom:2px solid #9a9a9a;color:#2d2d2d;">Year</th>
+              <th style="padding:12px 14px;text-align:right;border-bottom:2px solid #9a9a9a;color:#2d2d2d;">Balance</th>
+              <th style="padding:12px 14px;text-align:right;border-bottom:2px solid #9a9a9a;color:#2d2d2d;">Interest</th>
+              <th style="padding:12px 14px;text-align:right;border-bottom:2px solid #9a9a9a;color:#2d2d2d;">Paid Out</th>
+            </tr>
+          </thead>
+          <tbody id="scd-r-table"></tbody>
+        </table>
+      </div>
+    </details>
+
+    <!-- Context -->
+    <hr style="margin:32px 0;border:none;border-top:2px solid #d9d5cc;" />
+    <div style="font-size:15px;color:#595959;line-height:1.8;">
+      <p style="margin-bottom:8px;">🏠 At <strong style="color:#2d2d2d;">0%</strong> — a pure solidarity loan, maximising SCD's impact.</p>
+      <p style="margin-bottom:8px;">📈 At <strong style="color:#2d2d2d;">3.5%</strong> — a competitive return while supporting community housing.</p>
+      <p style="margin-bottom:8px;">🏦 Best Cash ISA rates (~4.0–4.7%) are FSCS-protected and instantly accessible — bonds are neither.</p>
+      <p style="margin-bottom:8px;">🔒 Bonds are non-transferable; early repayment possible but not guaranteed.</p>
+      <p style="margin-bottom:0;">💷 Denominated in GBP — international investors bear FX risk.</p>
+    </div>
+
+    <p style="font-size:15px;color:#595959;margin-top:24px;line-height:1.7;">
+      Refer to the <a href="https://www.stirchley.coop/wp-content/uploads/2026/05/SCD-Bond-Offer-2026-25-May-2026.pdf" style="color:#9c4d00;font-weight:600;text-decoration:underline;">Bond Offer Document</a> for full terms and risks. SCD is a Co-operative &amp; Community Benefit Society (Reg. 4496), regulated by the Regulator of Social Housing.
+    </p>
+
+  </div>
+
+</div>
+
+<!-- Responsive override -->
+<style>
+@media(min-width:480px){
+  #scd-out>div:first-of-type{grid-template-columns:1fr 1fr !important;}
+}
+</style>
+
+<script>
+(function(){
+  function g(n){return'\u00a3'+n.toLocaleString('en-GB',{minimumFractionDigits:0,maximumFractionDigits:0});}
+
+  function run(){
+    var a=parseFloat(document.getElementById('scd-amt').value),
+        r=parseFloat(document.getElementById('scd-rate').value),
+        t=parseInt(document.getElementById('scd-term').value),
+        mEl=document.querySelector('input[name="scd-m"]:checked'),
+        m=mEl?mEl.value:'cm',
+        e=document.getElementById('scd-err'),
+        o=document.getElementById('scd-out');
+    e.style.display='none';e.textContent='';o.style.display='none';
+    if(isNaN(a)||a<20000){e.textContent='\u26a0 Minimum investment is \u00a320,000.';e.style.display='block';return;}
+    if(isNaN(r)||r<0||r>3.5){e.textContent='\u26a0 Rate must be 0\u20133.5%.';e.style.display='block';return;}
+    if(isNaN(t)||t<5){e.textContent='\u26a0 Minimum term is 5 years.';e.style.display='block';return;}
+
+    var cmp=m[0]==='c',ann=m[1]==='a',
+        bal=a,totI=0,totP=0,rows=[];
+
+    for(var y=1;y<=t;y++){
+      var i=cmp?bal*(r/100):a*(r/100);
+      totI+=i;
+
+      var p=0;
+      if(ann){
+        /* Yearly payout: interest paid each year */
+        p=i;
+      }else if(y===t){
+        /* At-maturity: entire balance paid in final year */
+        p=cmp?bal+i:bal+i;
+      }
+      totP+=p;
+
+      /* Accumulate balance for compound modes */
+      if(cmp){
+        bal+=i;
+      }
+
+      rows.push({
+        y:y,
+        i:i,
+        p:p,
+        /* Balance column: running balance before any payout */
+        cb:cmp?bal:(ann?a:bal)
+      });
+    }
+
+    if(!cmp&&!ann) bal=a;
+
+    var total=ann?a+totP:(cmp?bal:a+totI),
+        netI=ann?totP:(cmp?bal-a:totI),
+        yrInc=ann?a*(r/100):netI/t,
+        eff=r===0?0:(ann?r:(Math.pow(total/a,1/t)-1)*100);
+
+    var sec=a<150000?'<strong>Unsecured</strong> \u2014 no legal charge (under \u00a3150,000)'
+             :a<500000?'<strong>Tertiary charge</strong> \u2014 behind primary &amp; secondary (\u00a3150k\u2013\u00a3500k)'
+             :'<strong>Secondary charge</strong> \u2014 behind primary mortgage only (over \u00a3500,000)',
+        secBg=a<150000?'#fff8f0':a<500000?'#eaf2ec':'#eaf2ec',
+        secBd=a<150000?'#c45500':a<500000?'#2d6a4f':'#2d6a4f';
+
+    document.getElementById('scd-r-total').textContent=g(total);
+    document.getElementById('scd-r-interest').textContent=g(netI);
+    document.getElementById('scd-r-annual').textContent=(ann?'':'~')+g(yrInc)+(ann?'/yr':'/yr avg');
+    document.getElementById('scd-r-eff').textContent=eff.toFixed(2)+'%';
+
+    var sb=document.getElementById('scd-r-sec');
+    sb.style.background=secBg;sb.style.border='2px solid '+secBd;sb.style.color='#2d2d2d';
+    document.getElementById('scd-r-sec-text').innerHTML=sec;
+
+    var taxI=ann?yrInc:netI;
+    document.getElementById('scd-r-tax').textContent='On '+g(taxI)+' interest: ~'+g(taxI*0.2)+' (basic), ~'+g(taxI*0.4)+' (higher), ~'+g(taxI*0.45)+' (additional rate) \u2014 before Personal Savings Allowance.';
+
+    var tb=document.getElementById('scd-r-table');tb.innerHTML='';
+    for(var j=0;j<rows.length;j++){
+      var d=rows[j],
+          isFinal=(j===rows.length-1),
+          tr=document.createElement('tr');
+      tr.style.background=isFinal?'#fff8f0':(j%2?'#f5f5f0':'#fff');
+      tr.innerHTML='<td style="padding:10px 14px;border-bottom:1px solid #d9d5cc;color:#2d2d2d;font-weight:'+(isFinal?'700':'400')+';">'+d.y+(isFinal?' (maturity)':'')+'</td>'
+        +'<td style="padding:10px 14px;border-bottom:1px solid #d9d5cc;text-align:right;font-family:monospace;color:#2d2d2d;">'+g(d.cb)+'</td>'
+        +'<td style="padding:10px 14px;border-bottom:1px solid #d9d5cc;text-align:right;font-family:monospace;color:#2d2d2d;">'+g(d.i)+'</td>'
+        +'<td style="padding:10px 14px;border-bottom:1px solid #d9d5cc;text-align:right;font-family:monospace;color:#2d2d2d;font-weight:'+(d.p>0?'700':'400')+';">'+(d.p>0?g(d.p):'\u2014')+'</td>';
+      tb.appendChild(tr);
+    }
+
+    /* Add a totals row */
+    var ttr=document.createElement('tr');
+    ttr.style.background='#f5f5f0';
+    ttr.innerHTML='<td style="padding:10px 14px;border-top:2px solid #9a9a9a;font-weight:700;color:#2d2d2d;">Total</td>'
+      +'<td style="padding:10px 14px;border-top:2px solid #9a9a9a;text-align:right;font-family:monospace;color:#2d2d2d;">\u2014</td>'
+      +'<td style="padding:10px 14px;border-top:2px solid #9a9a9a;text-align:right;font-family:monospace;font-weight:700;color:#2d2d2d;">'+g(totI)+'</td>'
+      +'<td style="padding:10px 14px;border-top:2px solid #9a9a9a;text-align:right;font-family:monospace;font-weight:700;color:#2d2d2d;">'+g(totP)+'</td>';
+    tb.appendChild(ttr);
+
+    o.style.display='block';
+  }
+
+  if(document.readyState==='loading'){
+    document.addEventListener('DOMContentLoaded',function(){
+      document.getElementById('scd-btn').addEventListener('click',run);
+    });
+  }else{
+    document.getElementById('scd-btn').addEventListener('click',run);
+  }
+})();
+</script>