/* Retirement Decoded tools – calm, high-contrast, senior-friendly */
@font-face { font-family: "Inter"; src: url("fonts/inter.woff2") format("woff2"); font-weight: 100 900; font-display: swap; }
@font-face { font-family: "Noto Serif"; src: url("fonts/notoserif.woff2") format("woff2"); font-weight: 100 900; font-display: swap; }

:root {
  --navy: #0F1B2D;
  --navy-2: #1A2A40;
  --cream: #F7F3EA;
  --cream-2: #EFE8D8;
  --card: #FFFFFF;
  --gold: #B08D57;
  --gold-hi: #D4B37A;
  --gold-text: #7A5A24;     /* gold dark enough for text on white (AA) */
  --ink: #17202E;
  --ink-2: #3D4757;
  --line: #D8CFBD;
  --good: #1D6A45;
  --good-bg: #E6F2EA;
  --short: #9C3B26;
  --short-bg: #FBEDE7;
  --focus: #1F5FBF;
  --radius: 14px;
  --serif: "Noto Serif", Georgia, "Times New Roman", serif;
  --sans: "Inter", "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { font-size: 20px; -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--sans); color: var(--ink); background: var(--cream); line-height: 1.55; }
img { max-width: 100%; }
a { color: #1D4E9E; text-underline-offset: 3px; }
a:hover { color: var(--navy); }
:focus-visible { outline: 4px solid var(--focus); outline-offset: 3px; border-radius: 6px; }
.skip { position: absolute; left: -999px; top: 0; background: #fff; padding: 12px 18px; z-index: 10; }
.skip:focus { left: 12px; top: 12px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* Header */
.site-header { background: var(--navy); color: #F4F1EA; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 18px; flex-wrap: wrap; padding-top: 14px; padding-bottom: 14px; }
.brand { display: flex; align-items: center; gap: 14px; color: #F4F1EA; text-decoration: none; }
.brand img { width: 52px; height: 52px; border-radius: 50%; }
.brand span { font-family: var(--serif); font-size: 1.35rem; font-weight: 600; letter-spacing: .01em; }
.nav { display: flex; gap: 6px; flex-wrap: wrap; }
.nav a { color: #E8ECF2; text-decoration: none; font-weight: 600; font-size: .95rem; padding: 12px 16px; border-radius: 10px; min-height: 48px; display: inline-flex; align-items: center; }
.nav a:hover { background: var(--navy-2); color: #fff; }
.nav a[aria-current="page"] { color: var(--navy); background: var(--gold-hi); }
.nav .s { display: none; }

.wrap { max-width: 1180px; margin: 0 auto; padding-left: 28px; padding-right: 28px; }

/* Hero */
.hero { padding-top: 44px; padding-bottom: 18px; }
.hero h1 { font-family: var(--serif); font-weight: 650; font-size: 2.6rem; line-height: 1.15; margin: 0 0 12px; color: var(--navy); }
.hero p.lead { font-size: 1.15rem; color: var(--ink-2); margin: 0 0 20px; max-width: 42em; }
.examples { display: flex; flex-wrap: wrap; align-items: center; gap: 12px; }
.examples .label { font-weight: 600; color: var(--ink-2); }
.chip { font: inherit; font-size: .95rem; font-weight: 600; color: var(--navy); background: var(--card); border: 2px solid var(--line); border-radius: 999px; padding: 10px 20px; min-height: 52px; cursor: pointer; }
.chip:hover { border-color: var(--gold); }
.chip.reset { background: transparent; border-color: transparent; text-decoration: underline; color: var(--ink-2); }

/* Layout */
.layout { display: grid; grid-template-columns: minmax(0, 1fr); gap: 28px; padding-bottom: 40px; }
@media (min-width: 1000px) {
  .layout { grid-template-columns: minmax(0, 520px) minmax(0, 1fr); align-items: start; gap: 36px; }
  .results-col { position: sticky; top: 20px; }
}

/* Cards and form */
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 26px; box-shadow: 0 1px 2px rgba(15,27,45,.05); }
.card + .card { margin-top: 20px; }
.q { margin: 0; padding: 0; border: 0; }
.q + .q { margin-top: 26px; padding-top: 26px; border-top: 1px solid var(--cream-2); }
.q-label { display: flex; align-items: baseline; gap: 12px; font-weight: 700; font-size: 1.1rem; color: var(--navy); margin-bottom: 4px; }
.num { flex: none; display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--navy); color: var(--gold-hi); font-size: .85rem; font-weight: 700; transform: translateY(2px); }
.hint { color: var(--ink-2); font-size: .9rem; margin: 2px 0 12px 46px; }
.field { margin-left: 46px; position: relative; display: flex; align-items: center; max-width: 340px; }
.field .pre, .field .post { position: absolute; font-size: 1.25rem; color: var(--ink-2); pointer-events: none; }
.field .pre { left: 18px; font-weight: 600; }
.field .post { right: 18px; font-size: 1rem; }
.field input, .field select, select.big {
  width: 100%; font: inherit; font-size: 1.3rem; font-weight: 600; color: var(--ink);
  min-height: 64px; padding: 12px 18px; border: 2px solid #8F8676; border-radius: 12px; background: #fff;
}
.field input.money { padding-left: 42px; }
.field input.age { padding-right: 90px; }
.field input:focus, .field select:focus, select.big:focus { border-color: var(--focus); outline: 3px solid rgba(31,95,191,.25); outline-offset: 0; }
.field input::placeholder { color: #8A8478; font-weight: 500; }
.sub-q { margin: 16px 0 0 46px; }
.sub-q label { display: block; font-weight: 600; font-size: .95rem; margin-bottom: 6px; }
.sub-q .field { margin-left: 0; max-width: 420px; }
.sub-q select { font-size: 1.1rem; }

.linkbtn { font: inherit; font-size: .95rem; font-weight: 600; color: #1D4E9E; background: none; border: 0; padding: 10px 0; min-height: 48px; cursor: pointer; text-decoration: underline; text-underline-offset: 3px; }
.linkbtn.indent { margin-left: 46px; }
.helpbox { margin: 8px 0 0 46px; background: var(--cream); border-radius: 12px; padding: 16px 18px; font-size: .92rem; }
.helpbox ol { margin: 6px 0 0; padding-left: 22px; }
.helpbox li + li { margin-top: 4px; }
.breakdown { margin: 10px 0 0 46px; background: var(--cream); border-radius: 12px; padding: 18px; display: grid; gap: 14px; }
.breakdown .row label { display: block; font-weight: 600; font-size: .95rem; }
.breakdown .row small { display: block; color: var(--ink-2); font-size: .82rem; margin-bottom: 6px; }
.breakdown .field { margin-left: 0; max-width: none; }
.breakdown .field input { min-height: 56px; font-size: 1.15rem; }
.breakdown .total { font-weight: 700; color: var(--navy); }
details.more { margin-top: 26px; padding-top: 18px; border-top: 1px solid var(--cream-2); }
details.more summary { cursor: pointer; font-weight: 700; color: var(--navy); min-height: 48px; display: flex; align-items: center; gap: 12px; list-style: none; }
details.more summary::-webkit-details-marker { display: none; }
details.more summary::before { content: "+"; flex: none; display: inline-grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; border: 2px solid var(--navy); font-size: 1.1rem; line-height: 1; }
details.more[open] summary::before { content: "\2212"; }
details.more .inner { padding-top: 8px; }
details.more .inner p { font-size: .9rem; color: var(--ink-2); margin: 0 0 10px; }
details.more .field { margin-left: 0; max-width: 260px; }
.see-btn { display: block; width: 100%; margin-top: 26px; font: inherit; font-size: 1.15rem; font-weight: 700; color: var(--navy); background: var(--gold-hi); border: 0; border-radius: 12px; min-height: 64px; cursor: pointer; }
.see-btn:hover { background: var(--gold); color: #fff; }
/* Phones/tablets: the answer is below the questions, so the button sticks to the bottom of the screen
   while you fill in the form, shows a live one-line summary, and rests at the end of the form. */
.see-btn { position: sticky; bottom: 12px; z-index: 5; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 2px; padding: 10px 18px; line-height: 1.25; box-shadow: 0 6px 18px rgba(15,27,45,.18); }
.see-btn .see-sum { font-size: .95rem; font-weight: 700; }
.back-link { display: inline-flex; align-items: center; min-height: 48px; margin-top: 12px; padding: 6px 2px; font-weight: 700; font-size: 1rem; }
#results { scroll-margin-top: 16px; }
#calc, #ssform { scroll-margin-top: 16px; }
@media (max-width: 999px) { .field input, .field select { scroll-margin-bottom: 120px; } }
@media (min-width: 1000px) { .see-btn, .back-link { display: none; } }

/* Results */
.results-col h2 { font-family: var(--serif); font-size: 1.5rem; color: var(--navy); margin: 0 0 14px; }
.answer { border-radius: var(--radius); padding: 24px 26px; border: 2px solid var(--line); background: var(--card); }
.answer.short { background: var(--short-bg); border-color: #E3BBAE; }
.answer.good { background: var(--good-bg); border-color: #B6D6C2; }
.answer .big { font-family: var(--serif); font-size: 1.75rem; line-height: 1.25; font-weight: 650; margin: 0 0 10px; color: var(--navy); }
.answer .big strong { color: var(--short); }
.answer.good .big strong { color: var(--good); }
.answer.ok { background: #FBF4E4; border-color: #E2CC9A; }
.answer.ok .big strong { color: var(--gold-text); }
.answer p { margin: 0; font-size: 1.05rem; }
.answer p + p { margin-top: 8px; }
.empty { color: var(--ink-2); }

.flow { display: grid; grid-template-columns: 1fr; gap: 12px; margin-top: 22px; }
.flow .row { display: grid; grid-template-columns: 210px 1fr auto; align-items: center; gap: 14px; }
.flow .name { font-weight: 600; }
.flow .bar { height: 30px; border-radius: 8px; background: var(--cream-2); overflow: hidden; display: flex; }
.flow .bar span { display: block; height: 100%; }
.flow .amt { font-weight: 700; font-variant-numeric: tabular-nums; min-width: 92px; text-align: right; font-size: 1.05rem; }
.seg-ss { background: var(--navy); }
.seg-other { background: #5D7391; }
.seg-out { background: var(--gold); }
.legend { display: flex; flex-wrap: wrap; gap: 8px 20px; font-size: .85rem; color: var(--ink-2); margin-top: 6px; }
.legend i { display: inline-block; width: 14px; height: 14px; border-radius: 3px; vertical-align: -2px; margin-right: 6px; }

.chart-card h3, .help-card h3, .assume h3 { font-size: 1.1rem; margin: 0 0 4px; color: var(--navy); }
.chart-card .note { font-size: .88rem; color: var(--ink-2); margin: 0 0 10px; }
.chart svg { width: 100%; height: auto; display: block; }
.chart text { font-family: var(--sans); fill: #3D4757; }

.ideas { display: grid; gap: 14px; margin-top: 8px; }
.idea { border: 1px solid var(--line); border-left: 6px solid var(--gold); border-radius: 12px; padding: 16px 18px; background: #FFFDF8; }
.idea h4 { margin: 0 0 4px; font-size: 1.02rem; color: var(--navy); }
.idea p { margin: 0; font-size: .95rem; }
.idea .fine { color: var(--ink-2); font-size: .85rem; margin-top: 6px; }

.assume ul { margin: 6px 0 0; padding-left: 22px; font-size: .9rem; color: var(--ink-2); }
.assume li + li { margin-top: 4px; }

/* Email offer (optional, never a gate) */
.offer h3 { margin: 0 0 6px; font-size: 1.15rem; color: var(--navy); }
.offer p { margin: 0 0 14px; font-size: .95rem; color: var(--ink-2); }
.offer label.lbl { display: block; font-weight: 600; margin-bottom: 6px; }
.offer .row { display: flex; gap: 12px; flex-wrap: wrap; }
.offer input[type=email] { flex: 1 1 260px; min-width: 0; width: 100%; font: inherit; font-size: 1.1rem; min-height: 60px; padding: 10px 16px; border: 2px solid #8F8676; border-radius: 12px; }
.offer input[type=email]:focus { border-color: var(--focus); outline: 3px solid rgba(31,95,191,.25); }
.offer button { font: inherit; font-weight: 700; font-size: 1.05rem; color: #fff; background: var(--navy); border: 0; border-radius: 12px; min-height: 60px; padding: 0 24px; cursor: pointer; }
.offer button:hover { background: var(--navy-2); }
.check { display: flex; align-items: flex-start; gap: 12px; margin-top: 14px; font-size: .95rem; cursor: pointer; }
.check input { width: 26px; height: 26px; margin: 2px 0 0; flex: none; accent-color: var(--navy); }
.offer .fine { font-size: .82rem; color: var(--ink-2); margin: 12px 0 0; }
.offer .status { margin-top: 12px; font-weight: 600; color: var(--good); }

/* Partner tools (affiliate) */
.partners h3 { margin: 0 0 4px; font-size: 1.1rem; color: var(--navy); }
.partners > p { margin: 0 0 14px; font-size: .92rem; color: var(--ink-2); }
.partner-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 14px; }
.partner { border: 1px solid var(--line); border-radius: 12px; padding: 16px 18px; }
.partner h4 { margin: 0 0 4px; font-size: 1rem; }
.partner p { margin: 0 0 10px; font-size: .9rem; color: var(--ink-2); }
.pending { display: inline-block; font-size: .78rem; font-weight: 700; color: #6B4E12; background: #F6E7C4; border-radius: 6px; padding: 3px 10px; }
.disclose { font-size: .8rem; color: var(--ink-2); margin: 12px 0 0; }

/* Footer / disclaimer */
.disclaimer { background: var(--cream-2); border-left: 6px solid var(--gold); border-radius: 10px; padding: 18px 22px; font-size: .9rem; margin: 10px 0 30px; }
.site-footer { background: var(--navy); color: #C9D1DD; font-size: .88rem; padding: 26px 0 34px; }
.site-footer a { color: #E8ECF2; }
.site-footer .wrap { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px 24px; }

/* SS page */
.claim-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; margin-top: 6px; }
.claim { background: var(--card); border: 2px solid var(--line); border-radius: var(--radius); padding: 20px; text-align: center; }
.claim.mid { border-color: var(--gold); }
.claim .when { font-weight: 700; color: var(--navy); font-size: 1.02rem; }
.claim .amt { font-family: var(--serif); font-size: 2rem; font-weight: 650; color: var(--navy); margin: 6px 0 2px; }
.claim .pct { font-size: .9rem; color: var(--ink-2); }
table.ages { width: 100%; border-collapse: collapse; font-size: 1rem; margin-top: 8px; }
table.ages th, table.ages td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--cream-2); }
table.ages th { color: var(--ink-2); font-size: .88rem; font-weight: 700; }
table.ages td.n { font-variant-numeric: tabular-nums; font-weight: 600; }
table.ages tr.fra td { background: #FBF4E4; }
.prose { max-width: 46em; }
.prose h2 { font-family: var(--serif); color: var(--navy); font-size: 1.45rem; margin: 30px 0 8px; }
.prose p, .prose li { font-size: 1rem; }

/* Phones and small tablets */
@media (max-width: 640px) {
  html { font-size: 19px; }
  .wrap { padding-left: 18px; padding-right: 18px; }
  .hero { padding-top: 28px; }
  .hero h1 { font-size: 2.05rem; }
  .brand span { font-size: 1.15rem; }
  .brand img { width: 44px; height: 44px; }
  .site-header .wrap { gap: 10px; }
  .nav { width: 100%; gap: 6px; flex-wrap: nowrap; }
  .nav a { flex: 1 1 0; justify-content: center; text-align: center; padding: 8px 6px; font-size: .85rem; min-height: 48px; border: 1px solid #33445E; }
  .nav .l { display: none; } .nav .s { display: inline; }
  .offer button { width: 100%; }
  .card { padding: 20px 18px; }
  .hint, .field, .helpbox, .breakdown, .sub-q, .linkbtn.indent { margin-left: 0; }
  .field { max-width: none; }
  .flow .row { grid-template-columns: 1fr auto; }
  .flow .bar { grid-column: 1 / -1; grid-row: 2; }
  .answer .big { font-size: 1.45rem; }
  .claim-grid { grid-template-columns: 1fr; }
}
@media print { .site-header .nav, .offer, .partners, .see-btn, .examples { display: none; } body { background: #fff; } }