:root {
  --bg: #f5f7fb;
  --panel: #ffffff;
  --ink: #162033;
  --muted: #6b7280;
  --line: #e8edf5;
  --brand: #0f6abf;
  --brand-2: #0ea5a8;
  --accent: #ff8c42;
  --shadow: 0 18px 40px rgba(16, 33, 58, 0.08);
}

* {
  box-sizing: border-box;
}

html,
body {
  margin: 0;
  padding: 0;
  color: var(--ink);
  -webkit-print-color-adjust: exact;
  print-color-adjust: exact;
}

body {
  font-family: "Avenir Next", "Segoe UI", "Helvetica Neue", sans-serif;
  background:
    radial-gradient(circle at 0% 0%, rgba(14, 165, 168, 0.15), transparent 40%),
    radial-gradient(circle at 100% 10%, rgba(15, 106, 191, 0.14), transparent 42%),
    linear-gradient(180deg, #eef4ff 0%, #f7fbff 35%, #f7f7fb 100%);
}

a,
button,
input,
select {
  font: inherit;
}

a {
  color: inherit;
}

.page-shell {
  width: min(1160px, 94vw);
  margin: 24px auto 40px;
}

.suite-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-bottom: 14px;
}

.suite-home,
.suite-links a,
.footer-actions a,
.tool-card,
.text-link {
  text-decoration: none;
}

.suite-home {
  font-weight: 800;
  color: #0a4f8c;
}

.suite-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  color: var(--muted);
  font-size: 0.92rem;
}

.hero {
  background: linear-gradient(135deg, #0a3565, var(--brand) 55%, var(--brand-2));
  color: #fff;
  border-radius: 24px;
  padding: 28px;
  box-shadow: var(--shadow);
}

.hero-compact {
  display: block;
}

.hero-content {
  display: grid;
  gap: 10px;
  max-width: 760px;
}

.eyebrow {
  margin: 0;
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  opacity: 0.86;
}

.hero h1 {
  margin: 0;
  font-family: "Iowan Old Style", "Baskerville", "Georgia", serif;
  font-size: clamp(2rem, 3.2vw, 3.25rem);
  line-height: 1.05;
}

.hero-subtitle,
.hero-trust {
  margin: 0;
}

.hero-subtitle {
  font-size: 1.05rem;
  line-height: 1.55;
}

.hero-cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  align-items: center;
}

.hero-trust {
  font-size: 0.88rem;
  opacity: 0.92;
}

.text-link {
  color: rgba(255, 255, 255, 0.92);
  font-weight: 700;
}

.btn {
  border: 1px solid transparent;
  border-radius: 12px;
  padding: 10px 13px;
  background: #fff;
  color: var(--ink);
  cursor: pointer;
  transition: transform 120ms ease, box-shadow 120ms ease, border-color 120ms ease;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-primary {
  background: linear-gradient(135deg, var(--brand), var(--brand-2));
  color: #fff;
  box-shadow: 0 10px 24px rgba(15, 106, 191, 0.22);
}

.btn-secondary {
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
  border-color: rgba(255, 255, 255, 0.22);
}

.btn-plain {
  background: #fff;
  color: var(--ink);
  border-color: var(--line);
  box-shadow: none;
}

.page-flow {
  display: grid;
  gap: 18px;
  margin-top: 18px;
}

.panel {
  border: 1px solid var(--line);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.96);
  box-shadow: 0 8px 30px rgba(16, 33, 58, 0.04);
  padding: 16px;
}

.panel-header {
  margin-bottom: 14px;
}

.panel-header h2 {
  margin: 0;
  font-size: 1.18rem;
}

.panel-header p {
  margin: 4px 0 0;
  color: var(--muted);
}

.optimizer-layout {
  display: grid;
  gap: 14px;
}

.calculator-card,
.winner-card,
.step-card,
.chart-card,
.subsection,
.info-card,
.tool-card,
.faq-item,
.scenario-card,
.metric-card {
  border: 1px solid var(--line);
  border-radius: 14px;
  background: #fff;
}

.calculator-card,
.winner-card {
  padding: 12px;
}

.calculator-card {
  display: grid;
  gap: 12px;
}

.steps-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
  align-items: start;
}

.step-card {
  padding: 12px;
  background: linear-gradient(180deg, #fff, #fcfdff);
}

.step-head {
  display: grid;
  gap: 2px;
  margin-bottom: 10px;
}

.step-head-inline {
  margin-bottom: 0;
}

.step-head h3 {
  margin: 0;
  font-size: 1rem;
}

.step-intro {
  margin: 0;
  color: var(--muted);
  font-size: 0.88rem;
}

.step-kicker {
  font-size: 0.74rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #0a4f8c;
  font-weight: 800;
}

.calculator-grid,
.advanced-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 8px;
}

.input-group {
  display: grid;
  gap: 8px;
  padding: 10px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fbfdff;
}

.input-group-label {
  font-size: 0.8rem;
  font-weight: 800;
  color: #35516f;
}

.group-grid {
  display: grid;
  gap: 10px;
}

.group-grid-two {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.form-field {
  display: grid;
  grid-template-rows: auto auto minmax(1.2em, auto) minmax(1em, auto);
  gap: 4px;
  align-content: start;
  font-size: 0.86rem;
  font-weight: 700;
  color: #324255;
}

.form-field > span:first-child {
  grid-row: 1;
}

.form-field input,
.form-field select {
  grid-row: 2;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  color: var(--ink);
  padding: 10px 11px;
}

.form-field input:disabled {
  background: #f5f7fb;
  color: #94a3b8;
}

.form-field small,
.muted,
.small-copy {
  color: var(--muted);
}

.form-field small {
  grid-row: 3;
}

.field-error {
  grid-row: 4;
}

.form-span-full {
  grid-column: 1 / -1;
}

.checkbox-field {
  align-content: end;
}

.checkbox-field input {
  width: 18px;
  height: 18px;
}

.advanced-card {
  border: 1px solid var(--line);
  border-radius: 14px;
  background: linear-gradient(180deg, #fff, #fbfdff);
  padding: 12px;
}

.advanced-toggle {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
  padding: 0;
  border: 0;
  background: transparent;
  cursor: pointer;
  text-align: left;
}

.advanced-title {
  font-size: 1rem;
  font-weight: 800;
  color: var(--ink);
}

.advanced-toggle-copy {
  color: #0a4f8c;
  font-size: 0.85rem;
  font-weight: 800;
}

.advanced-panel {
  margin-top: 8px;
}

.advanced-sections {
  display: grid;
  gap: 10px;
}

.advanced-group {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 7px;
  background: #fcfdff;
}

.advanced-group h4 {
  margin: 0 0 8px;
  font-size: 0.84rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: #35516f;
}

.advanced-intro {
  margin: 0 0 8px;
}

.advanced-toolbar {
  margin-bottom: 6px;
}

.preset-disclosure {
  border: 1px dashed #d7e4f2;
  border-radius: 12px;
  padding: 8px 10px;
  background: #f9fbfe;
  margin-bottom: 8px;
}

.preset-disclosure summary {
  cursor: pointer;
  font-size: 0.8rem;
  font-weight: 800;
  color: #35516f;
}

.preset-disclosure[open] summary {
  margin-bottom: 8px;
}

.preset-wrap {
  display: grid;
  gap: 6px;
}

.text-link-btn {
  border: 0;
  background: transparent;
  padding: 0;
  color: #0a4f8c;
  font-weight: 800;
  cursor: pointer;
}

.preset-label {
  font-size: 0.78rem;
  font-weight: 800;
  color: #35516f;
}

.persona-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.persona-pill,
.pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  padding: 6px 10px;
  border: 1px solid #d7e4f2;
  background: #f7fbff;
  color: #35516f;
  font-size: 0.76rem;
  font-weight: 800;
}

.persona-pill {
  cursor: pointer;
}

.pill-accent {
  background: #fff2e8;
  border-color: #ffd4b0;
  color: #a54c00;
}

.validation-note {
  margin: 0;
}

.field-error {
  min-height: 1em;
  color: #b42318;
  font-size: 0.76rem;
  font-weight: 700;
}

.form-field.has-error input,
.form-field.has-error select {
  border-color: #ef4444;
  box-shadow: 0 0 0 3px rgba(239, 68, 68, 0.08);
}

.form-actions,
.detail-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.results-column {
  display: grid;
  gap: 12px;
}

.results-below {
  width: 100%;
  max-width: none;
}

.winner-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
}

.confidence-pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  padding: 5px 9px;
  background: #eef6ff;
  border: 1px solid #d7e6f8;
  color: #0a4f8c;
  font-size: 0.74rem;
  font-weight: 800;
}

.confidence-pill[data-confidence="clear"] {
  background: #ecfdf5;
  border-color: #bbf7d0;
  color: #166534;
}

.confidence-pill[data-confidence="leaning"] {
  background: #eff6ff;
  border-color: #bfdbfe;
  color: #1d4ed8;
}

.confidence-pill[data-confidence="close"] {
  background: #fff7ed;
  border-color: #fed7aa;
  color: #9a4b00;
}

.winner-title {
  margin: 8px 0 0;
  font-size: 1.65rem;
  line-height: 1.1;
}

.winner-summary,
.winner-sensitivity,
.reason-line {
  margin: 8px 0 0;
}

.winner-reasons {
  display: grid;
  gap: 8px;
  margin-top: 8px;
}

.reason-line {
  margin: 0;
}

.winner-why {
  margin-top: 10px;
  border-top: 1px solid var(--line);
  padding-top: 10px;
}

.winner-why summary {
  cursor: pointer;
  font-weight: 800;
  color: #35516f;
}

.winner-sensitivity {
  color: var(--muted);
  font-size: 0.92rem;
}

.refund-insight {
  margin: 10px 0 0;
  padding: 10px 12px;
  border-radius: 12px;
  background: #fff8ef;
  border: 1px solid #ffd7b3;
  color: #9a4b00;
  font-size: 0.9rem;
  font-weight: 700;
}

.winner-mini-grid,
.metric-grid,
.results-grid,
.content-grid,
.tool-grid {
  display: grid;
  gap: 10px;
}

.winner-mini-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
  margin-top: 10px;
}

.mini-card {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 10px;
  background: #fbfdff;
}

.mini-card span {
  display: block;
  color: var(--muted);
  font-size: 0.75rem;
}

.mini-card strong {
  display: block;
  margin-top: 4px;
  font-size: 1rem;
}

.details-toggle {
  margin-top: 12px;
}

.detailed-results {
  display: grid;
  gap: 10px;
}

.detail-top-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.detail-focus-card {
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fbfdff;
  padding: 12px;
}

.detail-focus-label {
  display: block;
  color: var(--muted);
  font-size: 0.75rem;
}

.detail-focus-value {
  display: block;
  margin-top: 4px;
  font-size: 1.15rem;
  font-weight: 800;
}

.equal-cost-note {
  display: grid;
  gap: 4px;
  padding: 12px;
  border-radius: 12px;
  background: #f4f9ff;
  border: 1px solid #d8e8fb;
  color: #254766;
  font-size: 0.9rem;
}

.results-grid {
  grid-template-columns: 1fr;
}

.compact-results-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.scenario-card {
  padding: 12px;
}

.scenario-card.is-top {
  border-color: rgba(15, 106, 191, 0.28);
  box-shadow: 0 8px 20px rgba(15, 106, 191, 0.08);
}

.scenario-card-primary {
  background: linear-gradient(180deg, #f4f9ff, #ffffff);
  border-color: rgba(15, 106, 191, 0.2);
}

.scenario-label {
  display: block;
  color: var(--muted);
  font-size: 0.76rem;
}

.scenario-value,
.metric-card .value {
  display: block;
  margin-top: 4px;
  font-weight: 800;
}

.scenario-value {
  font-size: 1.35rem;
}

.scenario-meta,
.metric-card .sub {
  display: block;
  margin-top: 4px;
  color: var(--muted);
  font-size: 0.74rem;
}

.metric-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.metric-card {
  padding: 10px;
}

.metric-card .label {
  color: var(--muted);
  font-size: 0.75rem;
}

.chart-card,
.subsection,
.info-card,
.tool-card,
.faq-item {
  padding: 12px;
}

.chart-head {
  display: grid;
  gap: 2px;
}

.chart-head h3,
.subsection h3,
.info-card h3,
.tool-card h3 {
  margin: 0;
}

.comparison-bars {
  display: grid;
  gap: 10px;
  margin-top: 10px;
}

.bar-row {
  display: grid;
  gap: 6px;
}

.bar-copy {
  display: flex;
  justify-content: space-between;
  gap: 10px;
  font-size: 0.88rem;
}

.bar-track {
  width: 100%;
  height: 12px;
  border-radius: 999px;
  background: #eef2f7;
  overflow: hidden;
}

.bar-fill {
  display: block;
  height: 100%;
  border-radius: inherit;
}

.bar-fill.spent {
  background: linear-gradient(90deg, #ffb17a, #ff8c42);
}

.bar-fill.reinvested {
  background: linear-gradient(90deg, var(--brand), var(--brand-2));
}

.bar-fill.tfsa {
  background: linear-gradient(90deg, #10b981, #0ea5a8);
}

.assumption-list {
  margin: 0;
  padding-left: 18px;
  display: grid;
  gap: 6px;
  color: #334155;
}

.content-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.tool-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.deep-details {
  border: 1px solid var(--line);
  border-radius: 14px;
  background: #fff;
  padding: 12px;
}

.deep-details summary {
  cursor: pointer;
  font-weight: 800;
}

.deep-details[open] summary {
  margin-bottom: 12px;
}

.tool-card {
  transition: transform 150ms ease, border-color 150ms ease, box-shadow 150ms ease;
}

.tool-grid-muted .tool-card,
.faq-item {
  background: #fcfdff;
}

.tool-grid-muted .tool-card {
  opacity: 0.92;
}

button:focus-visible,
input:focus-visible,
select:focus-visible,
.advanced-toggle:focus-visible,
.text-link-btn:focus-visible,
.persona-pill:focus-visible,
.faq-item summary:focus-visible,
.deep-details summary:focus-visible,
.winner-why summary:focus-visible {
  outline: 3px solid rgba(15, 106, 191, 0.24);
  outline-offset: 2px;
}

.tool-card:hover,
.tool-card:focus-visible {
  transform: translateY(-2px);
  border-color: rgba(15, 106, 191, 0.22);
  box-shadow: 0 12px 28px rgba(16, 33, 58, 0.08);
  outline: none;
}

.faq-list {
  display: grid;
  gap: 10px;
}

.faq-item summary {
  cursor: pointer;
  font-weight: 800;
}

.faq-item p,
.info-card p,
.tool-card p {
  margin: 8px 0 0;
  color: #334155;
}

.app-footer {
  margin-top: 14px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.9);
  padding: 12px;
  display: flex;
  justify-content: space-between;
  gap: 10px;
  align-items: center;
}

.footer-branding {
  display: grid;
  gap: 3px;
}

.footer-actions {
  display: flex;
  gap: 10px;
  align-items: center;
  color: #0a4f8c;
  font-weight: 700;
}

.app-toast {
  position: fixed;
  left: 50%;
  bottom: calc(20px + env(safe-area-inset-bottom, 0px));
  transform: translateX(-50%);
  background: rgba(22, 32, 51, 0.95);
  color: #fff;
  border-radius: 999px;
  padding: 10px 14px;
  font-size: 0.85rem;
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.22);
  z-index: 1200;
}

@media (max-width: 980px) {
  .content-grid,
  .tool-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 720px) {
  .suite-nav,
  .app-footer {
    flex-direction: column;
    align-items: flex-start;
  }

  .calculator-grid,
  .advanced-grid,
  .group-grid-two,
  .winner-mini-grid,
  .metric-grid,
  .detail-top-grid,
  .compact-results-grid {
    grid-template-columns: 1fr;
  }

  .form-actions,
  .detail-actions,
  .hero-cta-row {
    display: grid;
    grid-template-columns: 1fr;
  }
}

@media (max-width: 560px) {
  .page-shell {
    width: min(100%, calc(100vw - 20px));
    margin: 10px auto 24px;
  }

  .hero,
  .panel,
  .app-footer {
    padding: 12px;
  }

  .suite-links {
    display: grid;
    gap: 6px;
  }

  .tools-panel,
  .faq-panel {
    padding: 12px 10px;
  }

  .chart-card {
    display: none;
  }

  .equal-cost-note {
    display: none;
  }

  .detail-top-grid,
  .compact-results-grid,
  .detailed-results {
    gap: 8px;
  }

  .detail-focus-card,
  .scenario-card,
  .deep-details {
    padding: 10px;
  }
}

@media print {
  body {
    background: #fff;
  }

  .no-print,
  .suite-nav,
  .hero-cta-row,
  .form-actions,
  .detail-actions,
  .app-toast {
    display: none !important;
  }

  .page-shell {
    width: 100%;
    margin: 0;
  }

  .hero,
  .panel,
  .app-footer {
    box-shadow: none;
  }
}