:root{
  --bg:#f5f7fb;--surface:#fff;--surface-2:#f0f4f8;--text:#172033;--muted:#667085;--line:#dfe5ec;
  --brand:#c91f37;--brand-2:#97152a;--accent:#0f766e;--gold:#b7791f;--blue:#2563eb;--purple:#7c3aed;--shadow:0 16px 46px rgba(23,32,51,.08);
  --radius:18px;--radius-sm:12px;--focus:0 0 0 3px rgba(201,31,55,.2);
}
[data-theme="dark"]{
  --bg:#0b1020;--surface:#111827;--surface-2:#172033;--text:#f8fafc;--muted:#aab4c5;--line:#2b3649;
  --brand:#ef4760;--brand-2:#ff7186;--accent:#2dd4bf;--gold:#f4bd5d;--blue:#60a5fa;--purple:#a78bfa;--shadow:0 18px 50px rgba(0,0,0,.26);
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--bg);color:var(--text);font:16px/1.55 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;-webkit-font-smoothing:antialiased}button,input,select{font:inherit}button{cursor:pointer}a{color:inherit}.container{width:calc(100% - 48px);margin-inline:auto}.hidden{display:none!important}.muted{color:var(--muted);margin:0}.skip-link{position:absolute;left:-9999px;top:8px;background:var(--surface);padding:10px 14px;border-radius:8px;z-index:100}.skip-link:focus{left:8px}.site-header{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--surface) 88%,transparent);backdrop-filter:blur(18px);border-bottom:1px solid var(--line)}.header-inner{height:72px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand{display:flex;align-items:center;gap:11px;text-decoration:none}.brand-mark{width:42px;height:42px;display:grid;place-items:center;border-radius:12px;background:color-mix(in srgb,var(--surface) 92%,transparent);border:1px solid color-mix(in srgb,var(--line) 85%,transparent);box-shadow:0 10px 22px rgba(15,23,42,.12);overflow:hidden;flex:0 0 auto}.brand-mark img{display:block;width:100%;height:100%;object-fit:contain;filter:drop-shadow(0 2px 4px rgba(15,23,42,.12))}.brand strong,.brand small{display:block}.brand strong{font-size:15px;line-height:1.1}.brand small{font-size:12px;color:var(--muted);margin-top:3px}.header-actions{display:flex;gap:8px;align-items:center}.btn{border:1px solid transparent;border-radius:11px;padding:12px 17px;font-weight:750;transition:.18s ease;background:none;color:var(--text)}.btn:hover{transform:translateY(-1px)}.btn:focus-visible,.icon-btn:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:none;box-shadow:var(--focus)}.btn.primary{background:linear-gradient(135deg,var(--brand),var(--brand-2));color:#fff;box-shadow:0 8px 20px rgba(201,31,55,.18)}.btn.ghost{background:var(--surface);border-color:var(--line)}.btn.compact{padding:8px 12px;font-size:13px}.file-btn{display:inline-flex;align-items:center}.hero{background:radial-gradient(circle at 82% 10%,rgba(201,31,55,.12),transparent 30%),linear-gradient(180deg,var(--surface),var(--bg));padding:70px 0 48px;border-bottom:1px solid var(--line)}.hero-grid{display:grid;grid-template-columns:1.5fr .7fr;gap:54px;align-items:center}.eyebrow,.section-kicker{text-transform:uppercase;letter-spacing:.13em;font-size:12px;font-weight:850;color:var(--brand);margin:0 0 10px}.hero h1{font-size:clamp(36px,5vw,62px);letter-spacing:-.045em;line-height:1.02;max-width:860px;margin:0 0 20px}.hero-copy{font-size:18px;color:var(--muted);max-width:780px;margin:0}.trust-row{display:flex;flex-wrap:wrap;gap:9px 18px;margin-top:24px;color:var(--muted);font-size:13px;font-weight:650}.privacy-card{background:var(--surface);border:1px solid var(--line);padding:24px;border-radius:var(--radius);box-shadow:var(--shadow)}.privacy-card p{color:var(--muted);font-size:14px;margin-bottom:0}.privacy-icon{width:44px;height:44px;display:grid;place-items:center;background:var(--surface-2);border-radius:12px;margin-bottom:14px}.planner-shell{margin-top:38px;margin-bottom:70px}.step-nav{display:grid;grid-template-columns:repeat(5,1fr);gap:8px;background:var(--surface);border:1px solid var(--line);padding:8px;border-radius:16px;box-shadow:var(--shadow);position:sticky;top:86px;z-index:30}.step{border:0;background:transparent;color:var(--muted);border-radius:10px;padding:11px 12px;font-weight:750;display:flex;align-items:center;justify-content:center;gap:8px}.step span{width:24px;height:24px;border-radius:50%;display:grid;place-items:center;background:var(--surface-2);font-size:12px}.step.active{background:color-mix(in srgb,var(--brand) 10%,var(--surface));color:var(--brand)}.step.active span{background:var(--brand);color:#fff}.panel-stack{margin-top:18px}.planner-panel{display:none;background:var(--surface);border:1px solid var(--line);border-radius:22px;padding:30px;box-shadow:var(--shadow)}.planner-panel.active{display:block}.panel-heading{display:flex;justify-content:space-between;gap:20px;align-items:flex-start;padding-bottom:22px;border-bottom:1px solid var(--line);margin-bottom:24px}.panel-heading h2{font-size:30px;letter-spacing:-.025em;margin:0}.save-state{font-size:12px;color:var(--accent);font-weight:750;background:color-mix(in srgb,var(--accent) 9%,var(--surface));padding:7px 10px;border-radius:999px}.form-grid{display:grid;gap:16px}.form-grid.cols-2{grid-template-columns:repeat(2,minmax(0,1fr))}.form-grid.cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}label{display:block;font-size:13px;font-weight:700;color:var(--text)}label>input,label>select,label>.money,label>.suffix{margin-top:7px}input,select{width:100%;height:44px;min-height:44px;border:1px solid var(--line);background:var(--bg);color:var(--text);border-radius:10px;padding:10px 12px}select{-webkit-appearance:none;appearance:none;padding-right:38px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%2394a3b8' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;background-size:14px 14px}input::placeholder{color:color-mix(in srgb,var(--muted) 80%,transparent)}.money,.suffix{display:flex;align-items:center;min-height:44px;border:1px solid var(--line);background:var(--bg);border-radius:10px;overflow:hidden}.money:focus-within,.suffix:focus-within{box-shadow:var(--focus);border-color:var(--brand)}.money span,.suffix span{padding:0 0 0 12px;color:var(--muted);font-weight:650}.suffix span{padding:0 12px 0 0}.money input,.suffix input{border:0;background:transparent;box-shadow:none!important}.tip{display:inline-grid;place-items:center;width:18px;height:18px;border-radius:50%;border:1px solid var(--line);font-size:11px;color:var(--muted);margin-left:4px;cursor:help;position:relative}.tip:hover:after,.tip:focus:after{content:attr(data-tip);position:absolute;z-index:80;left:50%;bottom:calc(100% + 9px);transform:translateX(-50%);width:260px;background:#111827;color:#fff;border-radius:9px;padding:10px 12px;font-size:12px;font-weight:500;line-height:1.4;box-shadow:0 12px 30px rgba(0,0,0,.25)}.people-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:20px}.person-card{border:1px solid var(--line);border-radius:16px;padding:20px;background:var(--bg)}.card-title{display:flex;justify-content:space-between;align-items:center;margin-bottom:17px}.card-title h3{margin:0}.pill{background:var(--surface-2);border:1px solid var(--line);font-size:11px;color:var(--muted);padding:4px 8px;border-radius:999px;font-weight:800}.panel-actions{display:flex;justify-content:space-between;gap:12px;margin-top:26px;padding-top:22px;border-top:1px solid var(--line)}.asset-table-wrap,.report-table-wrap{overflow:auto;border:1px solid var(--line);border-radius:14px}.asset-table,.report-table{width:100%;border-collapse:collapse;min-width:780px}.asset-table th,.asset-table td,.report-table th,.report-table td{padding:13px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:middle}.asset-table th,.report-table th{background:var(--surface-2);font-size:12px;color:var(--muted);white-space:nowrap;position:sticky;top:0}.asset-table td:first-child{min-width:190px}.asset-table td:first-child>span:not(.tip){display:block;color:var(--muted);font-size:12px;margin-top:3px}.asset-table td:first-child .tip{display:inline-grid;vertical-align:middle;margin-top:0}.asset-table td:last-child{color:var(--muted);font-size:12px;max-width:330px}.callout{border-radius:13px;padding:15px 17px;margin-top:20px;font-size:13px}.callout.info{background:color-mix(in srgb,var(--accent) 8%,var(--surface));border:1px solid color-mix(in srgb,var(--accent) 23%,var(--line))}.callout.warning{background:color-mix(in srgb,var(--gold) 10%,var(--surface));border:1px solid color-mix(in srgb,var(--gold) 28%,var(--line))}.stage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.stage-card{position:relative;border:1px solid var(--line);border-radius:16px;padding:20px;background:var(--bg);overflow:hidden}.stage-card:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--accent)}.stage-card.slow:before{background:var(--gold)}.stage-card.no:before{background:var(--brand)}.stage-card h3{margin:4px 0 4px}.stage-card p{margin:0 0 17px;color:var(--muted);font-size:13px}.stage-card label+label{margin-top:13px}.subsection-heading{display:flex;align-items:center;justify-content:space-between;gap:18px;margin:28px 0 15px}.subsection-heading h3{margin:0 0 4px}.subsection-heading p{margin:0;color:var(--muted);font-size:13px}.expense-list{display:grid;gap:10px}.expense-row{display:grid;grid-template-columns:1.55fr .68fr .72fr .9fr 1.18fr auto;gap:10px;align-items:end;padding:14px;border-radius:13px;border:1px solid var(--line);background:var(--bg)}.check-label{display:flex;align-items:center;gap:8px;min-height:44px}.check-label input{width:18px;min-height:18px}.icon-btn{width:42px;height:42px;border-radius:10px;border:1px solid var(--line);background:var(--surface);color:var(--muted);font-size:20px}.benefit-options{display:grid;grid-template-columns:1fr 1fr;gap:15px}.benefit-options fieldset{border:1px solid var(--line);border-radius:13px;padding:15px}.benefit-options legend{font-weight:800;font-size:13px;padding:0 7px}.benefit-options label{display:inline-flex;align-items:center;gap:7px;margin-right:20px}.benefit-options input{width:18px;min-height:18px}.empty-results{text-align:center;padding:64px 20px;color:var(--muted)}.empty-results>div{font-size:42px}.empty-results h3{color:var(--text);margin:12px 0 4px}.result-banner{border:1px solid color-mix(in srgb,var(--accent) 25%,var(--line));background:color-mix(in srgb,var(--accent) 8%,var(--surface));border-radius:14px;padding:16px 18px;margin-bottom:16px}.result-banner strong{display:block;font-size:18px;margin-bottom:3px}.result-banner p{margin:0;color:var(--muted);font-size:13px}.metric-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:18px}.metric{border:1px solid var(--line);border-radius:14px;background:var(--bg);padding:17px}.metric span{display:block;color:var(--muted);font-size:12px;font-weight:700;margin-bottom:4px}.metric strong{font-size:24px;letter-spacing:-.03em}.metric small{display:block;color:var(--muted);margin-top:3px;font-size:11px}.chart-card{border:1px solid var(--line);border-radius:16px;padding:18px;background:var(--bg);margin-top:16px}.chart-heading{display:flex;justify-content:space-between;align-items:flex-start;gap:18px;margin-bottom:10px}.chart-heading h3{margin:0}.chart-heading p{margin:3px 0 0;color:var(--muted);font-size:12px}.chart-legend{display:flex;gap:13px;flex-wrap:wrap;color:var(--muted);font-size:11px}.chart-legend span{display:flex;align-items:center;gap:5px}.chart-legend i{width:10px;height:10px;border-radius:3px;background:var(--brand)}.chart-legend .legend-b{background:var(--accent)}.chart-legend .legend-c{background:var(--gold)}.chart-legend .legend-spending{background:var(--text)}.chart-legend .legend-gov{background:var(--blue)}.chart-legend .legend-other{background:var(--purple)}.income-legend{max-width:720px;justify-content:flex-end}canvas{display:block;width:100%;height:auto;max-height:430px}.report-table{font-size:11px;min-width:1500px}.report-table td{white-space:nowrap}.report-table tbody tr:hover{background:color-mix(in srgb,var(--brand) 4%,var(--surface))}.method-card{margin-top:18px;border:1px solid var(--line);background:var(--bg);border-radius:14px;padding:18px}.method-card h3{margin:0 0 8px}.method-card p,.method-card li{font-size:13px;color:var(--muted)}.method-card ul{margin-bottom:0}.content-section{padding:68px 0}.content-section.alt{background:var(--surface);border-block:1px solid var(--line)}.content-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:start}.content-section h2{font-size:34px;line-height:1.15;letter-spacing:-.03em;margin:0 0 15px}.content-section p{color:var(--muted)}.content-card{border:1px solid var(--line);background:var(--surface);border-radius:16px;padding:22px;box-shadow:var(--shadow)}.content-card h3{margin-top:0}.content-card li{margin:8px 0;color:var(--muted)}.faq{max-width:860px}.faq details{border-bottom:1px solid var(--line);padding:6px 0}.faq summary{font-weight:800;cursor:pointer;padding:16px 4px}.faq details p{margin:0 4px 18px}.sources-section{padding:64px 0}.source-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.source-grid a{text-decoration:none;border:1px solid var(--line);background:var(--surface);border-radius:14px;padding:17px}.source-grid a:hover{border-color:var(--brand)}.source-grid span{display:block;color:var(--muted);font-size:11px;margin-top:4px}footer{border-top:1px solid var(--line);background:var(--surface);padding:28px 0}.footer-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;color:var(--muted);font-size:12px}.footer-inner strong{color:var(--text)}.footer-inner p{margin:3px 0}.toast{position:fixed;right:20px;bottom:20px;max-width:360px;background:#111827;color:#fff;padding:12px 14px;border-radius:10px;box-shadow:0 14px 40px rgba(0,0,0,.25);opacity:0;transform:translateY(10px);pointer-events:none;transition:.2s;z-index:100;font-size:13px}.toast.show{opacity:1;transform:translateY(0)}
@media(max-width:1100px){.expense-row{grid-template-columns:1.25fr .7fr .7fr .9fr auto}.expense-row .check-label{grid-column:1/-2}}
@media(max-width:900px){.hero-grid,.content-grid{grid-template-columns:1fr}.hero{padding-top:48px}.people-grid,.stage-grid{grid-template-columns:1fr}.form-grid.cols-3{grid-template-columns:1fr 1fr}.metric-grid{grid-template-columns:1fr 1fr}.source-grid{grid-template-columns:1fr 1fr}.expense-row{grid-template-columns:1fr 1fr}.expense-row .check-label{grid-column:1/-1}.step{font-size:0}.step span{font-size:12px}.step-nav{top:80px}}
@media(max-width:620px){.container{width:min(100% - 20px,1180px)}.site-header .brand small,.site-header .brand strong{display:none}.header-actions{gap:5px}.header-actions .btn{padding:8px 9px}.hero{padding:36px 0 34px}.hero h1{font-size:38px}.hero-copy{font-size:16px}.planner-shell{margin-top:18px}.planner-panel{padding:18px;border-radius:16px}.step-nav{border-radius:13px}.form-grid.cols-2,.form-grid.cols-3,.benefit-options{grid-template-columns:1fr}.panel-heading{align-items:flex-start}.panel-heading h2{font-size:25px}.stage-grid{gap:11px}.expense-row{grid-template-columns:1fr}.expense-row .check-label{grid-column:auto}.metric-grid,.source-grid{grid-template-columns:1fr}.metric strong{font-size:22px}.panel-actions{position:sticky;bottom:0;background:var(--surface);margin-inline:-18px;padding:14px 18px;border-top:1px solid var(--line);z-index:10}.panel-actions .btn{flex:1}.chart-card{padding:12px;margin-inline:-4px}.chart-heading{display:block}.chart-legend{margin-top:8px}.footer-inner{display:block}.result-heading{display:flex}.save-state{display:none}}
@media print{.site-header,.step-nav,.panel-actions,.header-actions,.content-section,.sources-section,footer,.btn,#emptyResults{display:none!important}body{background:#fff;color:#111}.planner-shell{width:100%;margin:0}.planner-panel{display:none!important;border:0;box-shadow:none;padding:0}.planner-panel[data-panel="5"]{display:block!important}.chart-card,.metric,.result-banner,.report-table-wrap,.method-card{break-inside:avoid}.report-table{font-size:8px;min-width:0}.report-table th,.report-table td{padding:4px}.result-heading{display:block}}

/* Optional account sync */
.account-btn.synced{border-color:color-mix(in srgb,var(--accent) 35%,var(--line));color:var(--accent)}
.modal-backdrop{position:fixed;inset:0;z-index:120;display:grid;place-items:center;padding:20px;background:rgba(4,9,20,.58);backdrop-filter:blur(8px)}
.account-modal{width:min(100%,520px);max-height:calc(100vh - 40px);overflow:auto;background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:24px;box-shadow:0 28px 80px rgba(0,0,0,.35)}
.modal-heading{display:flex;justify-content:space-between;align-items:flex-start;gap:18px}.modal-heading h2{margin:0;font-size:25px;line-height:1.15;letter-spacing:-.025em}.modal-copy{color:var(--muted);font-size:13px;margin:12px 0 18px}.account-tabs{display:grid;grid-template-columns:1fr 1fr;gap:6px;background:var(--surface-2);border:1px solid var(--line);padding:5px;border-radius:12px;margin-bottom:16px}.account-tab{border:0;background:transparent;color:var(--muted);border-radius:9px;padding:9px 12px;font-weight:800}.account-tab.active{background:var(--surface);color:var(--text);box-shadow:var(--shadow)}.account-form{display:grid;gap:13px}.account-form .btn{margin-top:4px}.account-note{color:var(--muted);font-size:12px;margin:15px 0 0}.sync-account-card{display:grid;gap:3px;border:1px solid var(--line);background:var(--bg);border-radius:14px;padding:16px}.sync-account-card span,.sync-account-card small{color:var(--muted);font-size:12px}.sync-account-card strong{font-size:16px;overflow-wrap:anywhere}.account-actions{display:flex;gap:10px;margin-top:14px}.account-actions .btn{flex:1}
@media(max-width:620px){.account-btn{font-size:0}.account-btn:after{content:"Sync";font-size:13px}.account-modal{padding:19px;border-radius:16px}.modal-backdrop{padding:10px}.account-actions{display:grid}}

/* Consistent native controls + account entry point */
.account-btn{white-space:nowrap}
.account-form label{font-size:13px}
.account-form input{margin-top:7px}
@media(max-width:760px){.header-actions #exportBtn,.header-actions .file-btn{display:none}}

/* Account security, recovery codes and passkeys */
.account-divider{display:flex;align-items:center;gap:10px;color:var(--muted);font-size:11px;text-transform:uppercase;letter-spacing:.08em}.account-divider:before,.account-divider:after{content:"";height:1px;background:var(--line);flex:1}.account-divider span{padding:0 4px}.text-action{border:0;background:transparent;color:var(--brand);font:inherit;font-weight:800;padding:5px 3px;cursor:pointer;text-align:center}.text-action:hover{text-decoration:underline}.account-form-heading{display:grid;gap:3px;padding-bottom:2px}.account-form-heading strong{font-size:15px}.account-form-heading span{font-size:12px;color:var(--muted)}.passkey-action{width:100%}.account-security-section{margin-top:16px;border:1px solid var(--line);background:var(--bg);border-radius:14px;padding:16px}.security-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:14px}.security-heading h3{font-size:15px;margin:0}.security-heading p{font-size:12px;color:var(--muted);margin:4px 0 0;line-height:1.45}.security-count{min-width:28px;height:28px;display:grid;place-items:center;border-radius:999px;background:var(--surface-2);border:1px solid var(--line);font-size:12px;font-weight:900}.compact-form{margin-top:14px;padding-top:14px;border-top:1px solid var(--line)}.recovery-actions{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-top:15px;padding-top:14px;border-top:1px solid var(--line)}.recovery-actions>div{display:grid;gap:2px}.recovery-actions strong{font-size:13px}.recovery-actions span{font-size:11px;color:var(--muted)}.recovery-code-card{margin-top:14px;border:1px solid color-mix(in srgb,var(--brand) 40%,var(--line));background:var(--surface);border-radius:12px;padding:14px}.recovery-code-card>strong{font-size:13px}.recovery-code-card p{font-size:11px;color:var(--muted);margin:5px 0 11px;line-height:1.45}.recovery-code-value{display:flex;gap:8px;align-items:stretch}.recovery-code-value code{flex:1;display:flex;align-items:center;overflow-wrap:anywhere;padding:10px 11px;border-radius:9px;background:var(--surface-2);border:1px solid var(--line);font:700 12px/1.25 ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;letter-spacing:.025em}.full-btn{width:100%;margin-top:13px}.account-modal{width:min(100%,600px)}
@media(max-width:620px){.recovery-actions,.recovery-code-value{display:grid}.recovery-actions .btn,.recovery-code-value .btn{width:100%}}


/* Collapsible password and recovery section */
.security-collapsible{padding:0;overflow:hidden}
.security-summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:14px;padding:16px;cursor:pointer;user-select:none}
.security-summary::-webkit-details-marker{display:none}
.security-summary h3{font-size:15px;margin:0}
.security-summary p{font-size:12px;color:var(--muted);margin:4px 0 0;line-height:1.45}
.security-chevron{display:grid;place-items:center;flex:0 0 28px;width:28px;height:28px;border:1px solid var(--line);border-radius:999px;background:var(--surface-2);color:var(--muted);font-size:18px;line-height:1;transition:transform .18s ease}
.security-collapsible[open] .security-chevron{transform:rotate(180deg)}
.security-collapsible-body{padding:0 16px 16px;border-top:1px solid var(--line)}
.security-collapsible-body .compact-form{border-top:0;padding-top:14px;margin-top:0}

/* Interactive chart tooltips and synchronization timestamps */
.chart-card{position:relative}
.chart-tooltip{position:absolute;z-index:20;min-width:170px;max-width:260px;padding:10px 12px;border:1px solid var(--line);border-radius:10px;background:var(--surface);color:var(--text);box-shadow:0 12px 30px rgba(0,0,0,.18);pointer-events:none;font-size:11px;line-height:1.35}
.chart-tooltip strong{display:block;font-size:12px;margin-bottom:6px}
.chart-tooltip span{display:flex;align-items:center;gap:6px;justify-content:space-between;white-space:nowrap;margin-top:3px;color:var(--muted)}
.chart-tooltip span b{color:var(--text);font-weight:800;margin-left:10px}
.chart-tooltip i{width:8px;height:8px;border-radius:2px;flex:0 0 8px;margin-right:1px}
.chart-tooltip .chart-tooltip-total{margin-top:7px;padding-top:6px;border-top:1px solid var(--line);color:var(--text)}
.chart-legend i.legend-spending{width:18px;height:0;border-radius:0;background:none;border-top:2px dashed var(--text)}
.storage-times{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:11px;padding-top:11px;border-top:1px solid var(--line)}
.storage-times>div{display:grid;gap:2px}
.storage-times span{font-size:10px;color:var(--muted);font-weight:700;text-transform:uppercase;letter-spacing:.04em}
.storage-times strong{font-size:12px;font-weight:800;color:var(--text)}
@media(max-width:620px){.storage-times{grid-template-columns:1fr}.income-legend{justify-content:flex-start}.chart-tooltip{max-width:220px}}

/* Explicit local/cloud conflict resolution */
.sync-conflict-backdrop{z-index:140}
.sync-conflict-modal{width:min(100%,720px)}
.conflict-versions{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:18px 0}
.conflict-version{display:grid;gap:5px;border:1px solid var(--line);background:var(--bg);border-radius:14px;padding:16px}
.conflict-version>span{font-size:10px;color:var(--muted);font-weight:800;text-transform:uppercase;letter-spacing:.04em}
.conflict-version>strong{font-size:14px}
.conflict-version p{margin:7px 0 0;color:var(--muted);font-size:12px;line-height:1.45}
.conflict-version-heading{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:5px}
.conflict-version-heading>strong{font-size:15px}
.version-badge{font-size:10px;font-weight:900;color:var(--brand);background:var(--surface);border:1px solid var(--line);border-radius:999px;padding:4px 7px;white-space:nowrap}
.conflict-actions{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.conflict-cancel{display:block;margin:10px auto 0}
@media(max-width:620px){.conflict-versions,.conflict-actions{grid-template-columns:1fr}.conflict-actions{gap:16px;margin-top:4px}.conflict-actions .btn{width:100%;margin:0;min-height:46px}.conflict-cancel{margin-top:14px}}


/* Mobile-first tool priority: show the planner before explanatory content while keeping semantic document order for crawlers. */
@media(max-width:620px){
  main{display:flex;flex-direction:column}
  main>#planner{order:1;margin-top:16px}
  main>.hero{order:2;padding:28px 0 22px}
  main>.content-section{order:3}
  main>.sources-section{order:4}
  .hero-grid{gap:14px}
  .hero h1{font-size:30px;line-height:1.08}
  .hero-copy{font-size:14px;line-height:1.55}
  .trust-row{gap:7px 12px;font-size:12px}
  .privacy-card{padding:14px 15px;display:grid;grid-template-columns:auto 1fr;column-gap:10px;align-items:center}
  .privacy-card .privacy-icon{grid-row:1/3}
  .privacy-card strong{font-size:13px}
  .privacy-card p{margin:2px 0 0;font-size:11px;line-height:1.4}
}

/* CPP & OAS detailed estimator */
.benefits-tool-group{margin-top:28px;border-top:1px solid var(--line)}
.benefits-tool-heading{display:flex;align-items:end;justify-content:space-between;gap:24px;margin:0;padding:24px 42px 12px 0;position:relative;list-style:none;cursor:pointer;user-select:none}
.benefits-tool-heading::-webkit-details-marker{display:none}
.benefits-tool-heading::after{content:"+";position:absolute;right:4px;bottom:13px;width:28px;height:28px;border:1px solid var(--line);border-radius:50%;display:grid;place-items:center;font-size:18px;font-weight:500;color:var(--muted);background:var(--surface);transition:transform .18s ease,color .18s ease}
.benefits-tool-group[open]>.benefits-tool-heading::after{content:"−";color:var(--brand)}
.benefits-tool-heading:hover::after{border-color:var(--brand);color:var(--brand)}
.benefits-tool-heading h3{margin:0;font-size:21px;letter-spacing:-.02em}.benefits-tool-heading p{margin:0;max-width:620px;color:var(--muted);font-size:13px;text-align:right}
.benefits-tool{margin-top:12px}.benefit-estimator{border:1px solid var(--line);border-radius:16px;background:var(--bg);overflow:hidden}.benefit-summary{list-style:none;display:flex;align-items:center;justify-content:space-between;gap:18px;padding:16px 18px;cursor:pointer}.benefit-summary::-webkit-details-marker{display:none}.benefit-summary>span:first-child{display:grid;gap:3px}.benefit-summary strong{font-size:15px}.benefit-summary small{color:var(--muted);font-size:12px}.benefit-summary-values{display:flex;gap:7px;flex-wrap:wrap;justify-content:flex-end}.benefit-summary-values b{font-size:11px;color:var(--brand);background:var(--surface);border:1px solid var(--line);border-radius:999px;padding:5px 8px;white-space:nowrap}.benefit-estimator[open] .benefit-summary{border-bottom:1px solid var(--line)}
.benefit-body{padding:18px}.benefit-mode-row{align-items:stretch}.benefit-mode-note{display:grid;gap:4px;padding:11px 13px;border:1px dashed var(--line);border-radius:11px;background:var(--surface)}.benefit-mode-note strong{font-size:12px}.benefit-mode-note span{font-size:11px;color:var(--muted)}
.benefit-detailed{display:grid;gap:14px;margin-top:16px}.benefit-subcard{border:1px solid var(--line);background:var(--surface);border-radius:14px;padding:16px}.benefit-subheading{display:flex;justify-content:space-between;gap:16px;margin-bottom:14px}.benefit-subheading h4{margin:0;font-size:15px}.benefit-subheading p{margin:4px 0 0;color:var(--muted);font-size:11px}.benefit-actions-inline{display:flex;gap:8px;flex-wrap:wrap;margin:12px 0}.mini-link{display:block;border:0;background:transparent;color:var(--brand);padding:4px 0 0;font-size:11px;font-weight:800;text-align:left}.mini-link:hover{text-decoration:underline}
.benefit-table-wrap{max-height:360px;overflow:auto;border:1px solid var(--line);border-radius:11px}.benefit-table{width:100%;border-collapse:collapse;min-width:670px;font-size:11px}.benefit-table th{position:sticky;top:0;z-index:2;background:var(--surface-2);color:var(--muted);text-align:left;font-size:10px;text-transform:uppercase;letter-spacing:.035em}.benefit-table th,.benefit-table td{padding:8px 10px;border-bottom:1px solid var(--line)}.benefit-table tbody tr:last-child td{border-bottom:0}.benefit-table tbody tr:hover{background:color-mix(in srgb,var(--brand) 4%,var(--surface))}.benefit-table .money{margin:0}.compact-money{min-width:180px}.projected-tag{display:block;color:var(--muted);font-size:9px;margin-top:1px}.table-check{display:flex!important;align-items:center;gap:7px;font-size:11px!important}.table-check input{width:auto!important;height:auto!important;margin:0!important}.table-check span{color:var(--muted)}
.check-card{display:flex!important;align-items:flex-start;gap:9px;border:1px solid var(--line);border-radius:11px;padding:11px;background:var(--bg);min-height:44px}.check-card>input{width:auto!important;height:auto!important;margin:4px 0 0!important}.check-card>span{display:grid;gap:2px}.check-card strong{font-size:11px}.check-card small{font-size:10px;color:var(--muted);line-height:1.35}.absence-heading{display:flex;align-items:center;justify-content:space-between;gap:14px;margin-top:15px}.absence-heading>div{display:grid;gap:2px}.absence-heading strong{font-size:12px}.absence-heading span{font-size:10px;color:var(--muted)}.absence-list{display:grid;gap:8px;margin-top:10px}.absence-row{display:grid;grid-template-columns:1fr 1fr auto;gap:8px;align-items:end}.absence-row label{font-size:11px}.absence-row input{margin-top:4px}.remove-absence{width:42px;height:44px;margin:0}
.benefit-estimate-box{border:1px solid color-mix(in srgb,var(--accent) 40%,var(--line));background:color-mix(in srgb,var(--accent) 4%,var(--surface));border-radius:14px;padding:15px}.benefit-estimate-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:8px}.benefit-estimate-grid>div{display:grid;gap:2px;border-right:1px solid var(--line);padding-right:8px}.benefit-estimate-grid>div:last-child{border-right:0}.benefit-estimate-grid span,.benefit-estimate-grid small{font-size:9px;color:var(--muted);text-transform:uppercase;letter-spacing:.035em}.benefit-estimate-grid strong{font-size:17px}.benefit-estimate-note{margin:12px 0 0;padding-top:10px;border-top:1px solid var(--line);font-size:11px;color:var(--muted)}.benefit-calc-btn{justify-self:start}.benefit-disclaimer{margin:0;color:var(--muted);font-size:10px;line-height:1.5}
@media(max-width:900px){.benefit-estimate-grid{grid-template-columns:repeat(3,1fr)}.benefit-estimate-grid>div:nth-child(3){border-right:0}}
@media(max-width:620px){.benefits-tool-heading{display:block;padding-right:42px}.benefits-tool-heading::after{top:22px;bottom:auto}.benefits-tool-heading p{margin-top:5px;text-align:left}.benefit-summary{align-items:flex-start;display:grid}.benefit-summary-values{justify-content:flex-start}.benefit-body{padding:14px}.benefit-subcard{padding:13px}.benefit-actions-inline{display:grid}.benefit-actions-inline .btn{width:100%}.benefit-estimate-grid{grid-template-columns:1fr 1fr}.benefit-estimate-grid>div:nth-child(2n){border-right:0}.benefit-estimate-grid>div:nth-child(3){border-right:1px solid var(--line)}.absence-heading{align-items:flex-start;display:grid}.absence-heading .btn{width:100%}.absence-row{grid-template-columns:1fr 1fr}.absence-row .remove-absence{grid-column:1/-1;width:100%}.benefit-calc-btn{width:100%}}

/* Results report actions */
.result-heading-actions{display:flex;align-items:center;justify-content:flex-end;gap:9px;flex-wrap:wrap}
.btn:disabled{opacity:.58;cursor:not-allowed;transform:none!important;box-shadow:none!important}
@media(max-width:640px){.result-heading-actions{width:100%;justify-content:stretch}.result-heading-actions .btn{flex:1;min-width:0}}

/* Retirement confidence, Monte Carlo and safe-spending analysis */
.confidence-assumptions{margin-top:22px;border:1px solid color-mix(in srgb,var(--blue) 26%,var(--line));background:linear-gradient(135deg,color-mix(in srgb,var(--blue) 4%,var(--surface)),var(--surface));border-radius:16px;padding:18px}
.confidence-assumptions-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;margin-bottom:15px}.confidence-assumptions-heading h3{margin:1px 0 3px;font-size:18px}.confidence-assumptions-heading p:not(.section-kicker){margin:0;color:var(--muted);font-size:12px}.confidence-assumptions-badge{border:1px solid color-mix(in srgb,var(--blue) 35%,var(--line));background:color-mix(in srgb,var(--blue) 8%,var(--surface));color:var(--blue);border-radius:999px;padding:5px 9px;font-size:10px;font-weight:900;white-space:nowrap}
.confidence-section{margin:18px 0 24px;border:1px solid var(--line);background:var(--surface);border-radius:18px;padding:20px;box-shadow:var(--shadow)}
.confidence-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:18px}.confidence-heading h3{font-size:22px;margin:0 0 3px}.confidence-heading p:not(.section-kicker){margin:0;color:var(--muted);font-size:12px;max-width:760px}.confidence-badge{border-radius:999px;padding:7px 10px;font-size:10px;font-weight:900;white-space:nowrap;border:1px solid var(--line);background:var(--surface-2);color:var(--muted)}.confidence-badge.good{background:color-mix(in srgb,var(--accent) 11%,var(--surface));border-color:color-mix(in srgb,var(--accent) 32%,var(--line));color:var(--accent)}.confidence-badge.watch{background:color-mix(in srgb,var(--gold) 10%,var(--surface));border-color:color-mix(in srgb,var(--gold) 35%,var(--line));color:var(--gold)}.confidence-badge.risk{background:color-mix(in srgb,var(--brand) 9%,var(--surface));border-color:color-mix(in srgb,var(--brand) 30%,var(--line));color:var(--brand)}
.analysis-progress-wrap{margin:14px 0 16px;display:grid;grid-template-columns:minmax(160px,1fr) auto;align-items:center;gap:10px}.analysis-progress-track{height:7px;border-radius:999px;background:var(--surface-2);overflow:hidden}.analysis-progress-track span{display:block;width:0;height:100%;border-radius:inherit;background:linear-gradient(90deg,var(--blue),var(--accent));transition:width .2s ease}.analysis-progress-wrap>span{font-size:10px;color:var(--muted);font-weight:750;white-space:nowrap}.analysis-progress-wrap.complete .analysis-progress-track span{background:var(--accent)}
.confidence-metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:11px}.confidence-metrics article{border:1px solid var(--line);border-radius:14px;background:var(--surface-2);padding:14px;display:grid;gap:4px}.confidence-metrics article>span{font-size:10px;color:var(--muted);font-weight:800;text-transform:uppercase;letter-spacing:.035em}.confidence-metrics article>strong{font-size:25px;letter-spacing:-.025em}.confidence-metrics article>small{font-size:10px;color:var(--muted)}.confidence-metrics .safe-spending-highlight{background:color-mix(in srgb,var(--accent) 6%,var(--surface));border-color:color-mix(in srgb,var(--accent) 28%,var(--line))}
.safe-spending-card{margin-top:11px;border:1px solid var(--line);border-radius:14px;padding:15px;display:grid;grid-template-columns:1.25fr 1fr;gap:18px;align-items:center}.safe-spending-card h4{margin:0 0 4px;font-size:15px}.safe-spending-card p{margin:0;color:var(--muted);font-size:11px;line-height:1.5}.safe-spending-phases{display:grid;grid-template-columns:repeat(3,1fr);gap:7px}.safe-spending-phases span{display:grid;gap:3px;padding:10px;border-radius:10px;background:var(--surface-2);font-size:13px;font-weight:850}.safe-spending-phases b{font-size:9px;color:var(--muted);text-transform:uppercase;letter-spacing:.035em}
.confidence-chart-card{margin:14px 0 0;box-shadow:none}.chart-legend i.legend-mc-band{background:color-mix(in srgb,var(--blue) 18%,transparent);border:1px solid color-mix(in srgb,var(--blue) 42%,var(--line))}.chart-legend i.legend-mc-median{height:2px;border-radius:0;background:var(--blue)}.confidence-explanation{margin:10px 2px 0;color:var(--muted);font-size:10px;line-height:1.5}
.advanced-result-details{margin-top:12px;border:1px solid var(--line);border-radius:13px;background:var(--surface);overflow:hidden}.advanced-result-details>summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 15px}.advanced-result-details>summary::-webkit-details-marker{display:none}.advanced-result-details>summary span{display:grid;gap:2px}.advanced-result-details>summary strong{font-size:13px}.advanced-result-details>summary small{font-size:10px;color:var(--muted)}.advanced-result-details>summary b{font-size:10px;color:var(--brand);white-space:nowrap}.advanced-result-details[open]>summary{border-bottom:1px solid var(--line)}
.stress-test-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;padding:12px}.stress-card{border:1px solid var(--line);border-radius:12px;padding:12px;background:var(--surface-2)}.stress-card.pass{border-left:3px solid var(--accent)}.stress-card.fail{border-left:3px solid var(--brand)}.stress-top{display:flex;align-items:flex-start;justify-content:space-between;gap:10px}.stress-top strong{font-size:12px}.stress-card p{font-size:10px;color:var(--muted);margin:5px 0 10px;line-height:1.45}.stress-values{display:grid;grid-template-columns:1fr 1fr;gap:8px}.stress-values span{font-size:9px;color:var(--muted);display:grid;gap:2px}.stress-values b{color:var(--text);font-size:11px}.mini-status{display:inline-flex;border-radius:999px;padding:4px 7px;font-size:9px;font-weight:900;white-space:nowrap}.mini-status.good{background:color-mix(in srgb,var(--accent) 10%,var(--surface));color:var(--accent)}.mini-status.risk{background:color-mix(in srgb,var(--brand) 9%,var(--surface));color:var(--brand)}
.scenario-table-wrap{overflow:auto;padding:12px}.scenario-table{width:100%;border-collapse:collapse;min-width:850px;font-size:10px}.scenario-table th{background:var(--surface-2);color:var(--muted);font-size:9px;text-transform:uppercase;letter-spacing:.035em;text-align:left}.scenario-table th,.scenario-table td{padding:9px 10px;border-bottom:1px solid var(--line)}.scenario-table tbody tr:last-child td{border-bottom:0}.scenario-table .best-row{background:color-mix(in srgb,var(--accent) 5%,var(--surface))}
@media(max-width:760px){.confidence-metrics{grid-template-columns:1fr}.safe-spending-card{grid-template-columns:1fr}.stress-test-grid{grid-template-columns:1fr}.confidence-heading,.confidence-assumptions-heading{display:grid}.confidence-badge,.confidence-assumptions-badge{justify-self:start}.analysis-progress-wrap{grid-template-columns:1fr}.analysis-progress-wrap>span{white-space:normal}.safe-spending-phases{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:460px){.safe-spending-phases{grid-template-columns:1fr}.confidence-section{padding:14px}}

/* Plain-language result explanations */
.plain-language-details{margin:12px 0 0;border:1px solid color-mix(in srgb,var(--blue) 18%,var(--line));border-radius:13px;background:color-mix(in srgb,var(--blue) 4%,var(--surface));overflow:hidden}.plain-language-details>summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 15px}.plain-language-details>summary::-webkit-details-marker{display:none}.plain-language-details>summary span{display:grid;gap:2px}.plain-language-details>summary strong{font-size:13px}.plain-language-details>summary small{font-size:10px;color:var(--muted)}.plain-language-details>summary b{font-size:10px;color:var(--blue);white-space:nowrap}.plain-language-details[open]>summary{border-bottom:1px solid var(--line)}.plain-language-body{padding:12px;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.plain-language-item{border:1px solid var(--line);border-radius:11px;background:var(--surface);padding:12px}.plain-language-item h4{font-size:11px;margin:0 0 5px}.plain-language-item p{font-size:10px;line-height:1.5;color:var(--muted);margin:0}.plain-language-item strong{color:var(--text)}
.stress-explanation{margin-top:10px;border-top:1px solid var(--line);padding-top:8px}.stress-explanation>summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:8px;font-size:10px;font-weight:800;color:var(--blue)}.stress-explanation>summary::-webkit-details-marker{display:none}.stress-explanation>summary::after{content:'+';font-size:14px;line-height:1}.stress-explanation[open]>summary::after{content:'−'}.stress-explanation-body{margin-top:8px;border-radius:9px;background:var(--surface);padding:10px}.stress-explanation-body p{font-size:10px!important;line-height:1.5!important;margin:0 0 7px!important;color:var(--text)!important}.stress-explanation-body p:last-child{margin-bottom:0!important}.stress-explanation-body .why-it-matters{color:var(--muted)!important}.stress-explanation-body .next-step{color:var(--muted)!important}.scenario-help{margin:12px 12px 0;padding:10px 12px;border-radius:10px;background:var(--surface-2);color:var(--muted);font-size:10px;line-height:1.5}.scenario-help strong{color:var(--text)}
@media(max-width:760px){.plain-language-body{grid-template-columns:1fr}.plain-language-details>summary{align-items:flex-start}.stress-test-grid{grid-template-columns:1fr}}
.plain-language-details .when-open{display:none}.plain-language-details[open] .when-closed{display:none}.plain-language-details[open] .when-open{display:inline}

/* v31: Collapsible sequence-of-returns analysis */
.confidence-collapsible{padding:0;overflow:hidden}
.confidence-summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:19px 20px;background:linear-gradient(135deg,color-mix(in srgb,var(--blue) 5%,var(--surface)),var(--surface))}
.confidence-summary::-webkit-details-marker{display:none}
.confidence-summary-copy{display:grid;gap:2px;min-width:0}
.confidence-summary-copy .section-kicker{margin:0 0 2px}
.confidence-summary-copy>strong{font-size:20px;line-height:1.2;letter-spacing:-.015em}
.confidence-summary-copy>small{font-size:11px;color:var(--muted);font-weight:600}
.confidence-summary-side{display:flex;align-items:center;gap:10px;flex:0 0 auto}
.confidence-collapsible .when-open{display:none}.confidence-collapsible[open] .when-closed{display:none}.confidence-collapsible[open] .when-open{display:inline}
.confidence-collapsible[open]>.confidence-summary{border-bottom:1px solid var(--line)}
.confidence-body{padding:0 20px 20px}
@media(max-width:760px){.confidence-summary{align-items:flex-start}.confidence-summary-side{display:grid;justify-items:start}.confidence-summary-copy>strong{font-size:18px}}
@media(max-width:460px){.confidence-summary{padding:15px 14px}.confidence-body{padding:0 14px 14px}.confidence-summary-side{gap:6px}}

/* v31: Help and SEO content */
.header-help-link{text-decoration:none}.hero-help-link{margin:15px 0 0;font-size:13px;font-weight:800}.hero-help-link a,.text-link{color:var(--blue);text-decoration:none}.hero-help-link a:hover,.text-link:hover{text-decoration:underline}.retirement-confidence-content{border-top:1px solid var(--line)}
.help-page .site-header{position:sticky}.help-hero{padding:62px 0 48px;background:radial-gradient(circle at 80% 10%,rgba(37,99,235,.10),transparent 28%),linear-gradient(180deg,var(--surface),var(--bg));border-bottom:1px solid var(--line)}.help-hero-inner{max-width:980px}.help-hero h1{font-size:clamp(36px,5vw,58px);line-height:1.04;letter-spacing:-.04em;margin:0 0 18px}.help-hero p:not(.eyebrow){max-width:820px;color:var(--muted);font-size:18px;margin:0}.help-hero-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}.help-hero-actions a{text-decoration:none}.help-layout{display:grid;grid-template-columns:260px minmax(0,1fr);gap:42px;align-items:start;padding-top:42px;padding-bottom:72px}.help-toc{position:sticky;top:96px;display:grid;gap:3px;border:1px solid var(--line);background:var(--surface);border-radius:16px;padding:16px;box-shadow:var(--shadow)}.help-toc strong{font-size:12px;margin-bottom:7px}.help-toc a{text-decoration:none;color:var(--muted);font-size:12px;font-weight:700;padding:7px 8px;border-radius:8px}.help-toc a:hover{background:var(--surface-2);color:var(--text)}.help-content{min-width:0}.help-section{scroll-margin-top:100px;padding:12px 0 42px;border-bottom:1px solid var(--line)}.help-section+.help-section{padding-top:42px}.help-section:last-child{border-bottom:0}.help-section h2{font-size:clamp(27px,3vw,38px);line-height:1.15;letter-spacing:-.03em;margin:0 0 15px}.help-section h3{font-size:18px;margin:25px 0 8px}.help-section p,.help-section li{color:var(--muted)}.help-section p{max-width:900px}.help-steps{counter-reset:helpstep;list-style:none;padding:0;margin:22px 0;display:grid;gap:10px}.help-steps li{position:relative;padding:16px 16px 16px 54px;border:1px solid var(--line);background:var(--surface);border-radius:13px}.help-steps li:before{counter-increment:helpstep;content:counter(helpstep);position:absolute;left:15px;top:14px;width:27px;height:27px;border-radius:50%;display:grid;place-items:center;background:var(--brand);color:white;font-size:12px;font-weight:900}.help-steps strong{color:var(--text)}.help-callout{margin:20px 0;border:1px solid color-mix(in srgb,var(--accent) 30%,var(--line));background:color-mix(in srgb,var(--accent) 7%,var(--surface));border-radius:13px;padding:15px 17px;color:var(--muted)}.help-callout strong{color:var(--text)}.help-callout.warning{border-color:color-mix(in srgb,var(--gold) 30%,var(--line));background:color-mix(in srgb,var(--gold) 8%,var(--surface))}.help-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:13px;margin:20px 0}.help-grid>div{border:1px solid var(--line);background:var(--surface);border-radius:14px;padding:16px}.help-grid h3{font-size:15px;margin:0 0 6px}.help-grid p{font-size:13px;margin:0}.help-table-wrap{overflow:auto;border:1px solid var(--line);border-radius:14px;margin:18px 0}.help-table{width:100%;border-collapse:collapse;min-width:650px}.help-table th,.help-table td{padding:13px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}.help-table th{background:var(--surface-2);color:var(--muted);font-size:11px;text-transform:uppercase;letter-spacing:.04em}.help-table td{font-size:13px;color:var(--muted)}.help-table td:first-child{width:230px;color:var(--text)}.help-table tbody tr:last-child td{border-bottom:0}.help-list{padding-left:22px}.help-list li{margin:7px 0}.help-faq details{border-bottom:1px solid var(--line)}.help-faq summary{cursor:pointer;font-weight:850;padding:17px 3px}.help-faq details p{margin:0 3px 18px}.help-source-grid{grid-template-columns:repeat(2,1fr)}.footer-inner a{text-decoration:none;font-weight:750}.footer-inner a:hover{text-decoration:underline}
@media(max-width:900px){.help-layout{grid-template-columns:1fr}.help-toc{position:static;grid-template-columns:repeat(3,minmax(0,1fr))}.help-toc strong{grid-column:1/-1}.help-grid{grid-template-columns:1fr}.help-source-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.header-help-link{display:none}.help-hero{padding:44px 0 34px}.help-hero p:not(.eyebrow){font-size:16px}.help-layout{padding-top:24px;gap:24px}.help-toc{grid-template-columns:1fr 1fr}.help-section{padding-bottom:32px}.help-section+.help-section{padding-top:32px}.help-source-grid{grid-template-columns:1fr}.help-page .header-actions .btn{padding:8px 10px}.footer-inner{align-items:flex-start;flex-direction:column}}

/* v32: visible icon-only expand/collapse controls */
.expand-collapse-icon{width:34px;height:34px;flex:0 0 34px;display:grid;place-items:center;border:2px solid color-mix(in srgb,var(--blue) 38%,var(--line));border-radius:50%;background:color-mix(in srgb,var(--blue) 8%,var(--surface));color:var(--blue);box-shadow:0 2px 8px rgba(15,23,42,.08);transition:transform .18s ease,background .18s ease,border-color .18s ease}
.expand-collapse-icon svg{width:19px;height:19px;fill:none;stroke:currentColor;stroke-width:2.7;stroke-linecap:round;stroke-linejoin:round;transition:transform .2s ease}
.confidence-summary:hover .expand-collapse-icon,.plain-language-details>summary:hover .expand-collapse-icon{background:color-mix(in srgb,var(--blue) 14%,var(--surface));border-color:color-mix(in srgb,var(--blue) 58%,var(--line))}
.confidence-collapsible[open]>.confidence-summary .expand-collapse-icon svg,.plain-language-details[open]>summary .expand-collapse-icon svg{transform:rotate(180deg)}
.plain-language-details>summary>.expand-collapse-icon{margin-left:auto}
@media(max-width:460px){.expand-collapse-icon{width:32px;height:32px;flex-basis:32px}.expand-collapse-icon svg{width:18px;height:18px}}

/* v33: Retirement Action Center */
.action-center{margin:18px 0 16px;border:1px solid color-mix(in srgb,var(--blue) 25%,var(--line));border-radius:18px;background:linear-gradient(180deg,color-mix(in srgb,var(--blue) 3%,var(--surface)),var(--surface));box-shadow:var(--shadow);overflow:hidden}
.action-center-heading{display:flex;align-items:flex-start;justify-content:space-between;gap:20px;padding:20px 20px 14px}.action-center-heading .section-kicker{margin:0 0 3px}.action-center-heading h3{font-size:22px;letter-spacing:-.02em;margin:0 0 5px}.action-center-heading p{margin:0;max-width:760px;color:var(--muted);font-size:12px;line-height:1.55}
.action-overview-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;padding:0 20px 18px}.action-overview-card{display:flex;gap:11px;align-items:flex-start;border:1px solid var(--line);border-radius:13px;background:var(--surface);padding:14px;min-height:128px}.action-overview-card>div{min-width:0}.action-overview-card strong{font-size:12px;display:block;margin:1px 0 6px}.action-overview-card p{font-size:11px;line-height:1.55;color:var(--muted);margin:0}.action-card-number{width:27px;height:27px;flex:0 0 27px;border-radius:50%;display:grid;place-items:center;background:color-mix(in srgb,var(--blue) 10%,var(--surface));color:var(--blue);font-size:11px;font-weight:900}
.action-details{border-top:1px solid var(--line);background:var(--surface)}.action-details>summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:15px;padding:15px 20px}.action-details>summary::-webkit-details-marker{display:none}.action-details>summary>span:first-child{display:grid;gap:2px}.action-details>summary strong{font-size:12px}.action-details>summary small{font-size:10px;color:var(--muted)}.action-details[open]>summary{border-bottom:1px solid var(--line)}.action-details[open]>summary .expand-collapse-icon svg{transform:rotate(180deg)}
.action-strengthen-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;padding:14px 20px 18px}.action-strengthen-grid article{border:1px solid var(--line);border-radius:12px;padding:13px;background:var(--surface-2)}.action-strengthen-grid article>span{font-size:9px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:850}.action-strengthen-grid article>strong{display:block;font-size:17px;margin:3px 0 5px}.action-strengthen-grid article p{font-size:10px;line-height:1.5;color:var(--muted);margin:0}
.action-plan-intro{margin:14px 20px 10px;padding:11px 12px;border-radius:10px;background:var(--surface-2);color:var(--muted);font-size:10px;line-height:1.5}.action-plan-table-wrap{overflow:auto;margin:0 20px;border:1px solid var(--line);border-radius:12px}.action-plan-table{width:100%;border-collapse:collapse;min-width:790px}.action-plan-table th,.action-plan-table td{padding:10px 11px;border-bottom:1px solid var(--line);text-align:right;vertical-align:top;font-size:10px}.action-plan-table th{background:var(--surface-2);color:var(--muted);font-size:9px;text-transform:uppercase;letter-spacing:.04em}.action-plan-table th:first-child,.action-plan-table th:nth-child(2),.action-plan-table td:first-child,.action-plan-table td:nth-child(2){text-align:center}.action-plan-table th:nth-child(3),.action-plan-table td:nth-child(3){text-align:left}.action-plan-table tbody tr:last-child td{border-bottom:0}.action-plan-copy{min-width:320px;line-height:1.45;color:var(--muted)}.action-plan-link{margin:10px 20px 16px;font-size:10px}.action-plan-link a{color:var(--blue);font-weight:800;text-decoration:none}.action-plan-link a:hover{text-decoration:underline}.action-center-note{margin:0;padding:12px 20px 15px;border-top:1px solid var(--line);color:var(--muted);font-size:9.5px;line-height:1.5;background:color-mix(in srgb,var(--gold) 3%,var(--surface))}
@media(max-width:900px){.action-overview-grid{grid-template-columns:1fr}.action-overview-card{min-height:0}.action-strengthen-grid{grid-template-columns:1fr}}
@media(max-width:560px){.action-center-heading{padding:16px 14px 11px}.action-center-heading h3{font-size:19px}.action-center-heading{align-items:flex-start}.action-overview-grid{padding:0 14px 14px}.action-details>summary{padding:13px 14px}.action-strengthen-grid{padding:12px 14px 14px}.action-plan-intro{margin:12px 14px 9px}.action-plan-table-wrap{margin:0 14px}.action-plan-link{margin:9px 14px 13px}.action-center-note{padding:11px 14px 13px}}
@media(max-width:640px){
  .action-plan-table{min-width:0}.action-plan-table thead{display:none}.action-plan-table tbody{display:grid;gap:9px;padding:9px}.action-plan-table tr{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:10px;background:var(--surface);overflow:hidden}.action-plan-table td{display:grid;grid-template-columns:92px 1fr;gap:8px;text-align:left!important;border:0;border-bottom:1px solid var(--line);padding:9px 10px;font-size:10px;min-width:0}.action-plan-table td:before{content:attr(data-label);color:var(--muted);font-size:8px;font-weight:850;text-transform:uppercase;letter-spacing:.04em}.action-plan-table td:nth-child(1),.action-plan-table td:nth-child(2){grid-template-columns:42px 1fr}.action-plan-table td:nth-child(3){grid-column:1/-1;grid-template-columns:42px 1fr}.action-plan-table td:nth-child(n+4){grid-column:1/-1}.action-plan-table td:last-child{border-bottom:0}.action-plan-copy{min-width:0;line-height:1.45}.action-plan-table-wrap{overflow:visible}
}

/* v34: Readability improvements — avoid tiny supporting text */
.eyebrow,.section-kicker{font-size:13px}
.save-state{font-size:13px}
.pill{font-size:12px}
.asset-table th,.report-table th{font-size:13px}
.asset-table td:first-child>span:not(.tip),.asset-table td:last-child{font-size:13px}
.metric span{font-size:13px}.metric small{font-size:12px}
.chart-heading p{font-size:13px}.chart-legend{font-size:12px}
.report-table{font-size:12px}
.source-grid span{font-size:12px}.footer-inner{font-size:13px}

/* CPP / OAS detailed estimator */
.benefit-summary small{font-size:13px}.benefit-summary-values b{font-size:12px}
.benefit-mode-note strong{font-size:13px}.benefit-mode-note span{font-size:12px}
.benefit-subheading p{font-size:12px}.mini-link{font-size:12px}
.benefit-table{font-size:12px}.benefit-table th{font-size:11px}
.projected-tag{font-size:11px}.table-check{font-size:12px!important}
.check-card strong{font-size:12px}.check-card small{font-size:12px}
.absence-heading strong{font-size:13px}.absence-heading span{font-size:12px}.absence-row label{font-size:12px}
.benefit-estimate-grid span,.benefit-estimate-grid small{font-size:11px}
.benefit-estimate-note{font-size:12px}.benefit-disclaimer{font-size:12px}

/* Retirement confidence and sequence-of-returns analysis */
.confidence-assumptions-heading p:not(.section-kicker),.confidence-heading p:not(.section-kicker){font-size:13px}
.confidence-assumptions-badge,.confidence-badge{font-size:12px}
.analysis-progress-wrap>span{font-size:12px}
.confidence-metrics article>span{font-size:12px}.confidence-metrics article>small{font-size:12px}
.safe-spending-card p{font-size:13px}.safe-spending-phases b{font-size:11px}
.confidence-explanation{font-size:12px}
.advanced-result-details>summary strong{font-size:14px}.advanced-result-details>summary small,.advanced-result-details>summary b{font-size:12px}
.stress-top strong{font-size:14px}.stress-card p{font-size:12.5px}
.stress-values span{font-size:11px}.stress-values b{font-size:13px}.mini-status{font-size:11px}
.scenario-table{font-size:12px}.scenario-table th{font-size:11px}
.plain-language-details>summary strong{font-size:14px}.plain-language-details>summary small,.plain-language-details>summary b{font-size:12px}
.plain-language-item h4{font-size:13px}.plain-language-item p{font-size:12.5px}
.stress-explanation>summary{font-size:12px}.stress-explanation-body p{font-size:12.5px!important}
.scenario-help{font-size:12.5px}
.confidence-summary-copy>small{font-size:13px}

/* Retirement Action Center */
.action-center-heading p{font-size:14px}
.action-overview-card strong{font-size:14px}.action-overview-card p{font-size:13px}.action-card-number{font-size:12px}
.action-details>summary strong{font-size:14px}.action-details>summary small{font-size:12px}
.action-strengthen-grid article>span{font-size:11px}.action-strengthen-grid article p{font-size:13px}
.action-plan-intro{font-size:13px}
.action-plan-table th,.action-plan-table td{font-size:12px}.action-plan-table th{font-size:11px}
.action-plan-link{font-size:12px}.action-center-note{font-size:12px}

/* Help page */
.help-toc strong{font-size:13px}.help-toc a{font-size:13px}
.help-grid p{font-size:14px}.help-table th{font-size:12px}.help-table td{font-size:14px}

@media(max-width:640px){
  .action-overview-card strong{font-size:15px}.action-overview-card p{font-size:14px}
  .action-plan-table td{font-size:13px;line-height:1.45;padding:11px 10px}
  .action-plan-table td:before{font-size:10px}
  .action-plan-intro,.action-center-note{font-size:13px}
  .plain-language-item p,.stress-card p,.stress-explanation-body p{font-size:13px!important}
  .confidence-summary-copy>small{font-size:13px}
}

/* Home & Housing Strategy Planner */
.housing-planner{margin-top:20px;border:1px solid var(--line);border-radius:16px;background:var(--surface);overflow:hidden}
.housing-planner>summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:17px 18px;background:color-mix(in srgb,var(--blue) 4%,var(--surface))}
.housing-planner>summary::-webkit-details-marker{display:none}.housing-planner>summary>span:first-child{display:grid;gap:3px}.housing-planner>summary strong{font-size:15px}.housing-planner>summary small{font-size:12px;color:var(--muted)}.housing-planner[open]>summary{border-bottom:1px solid var(--line)}.housing-planner[open]>summary .expand-collapse-icon svg{transform:rotate(180deg)}
.housing-body{padding:18px}.housing-enable-card{display:flex;align-items:flex-start;gap:11px;border:1px solid color-mix(in srgb,var(--blue) 22%,var(--line));background:color-mix(in srgb,var(--blue) 5%,var(--surface));border-radius:13px;padding:14px;margin-bottom:17px}.housing-enable-card input{width:19px;height:19px;min-height:19px;margin:2px 0 0;flex:0 0 auto}.housing-enable-card span{display:grid;gap:3px}.housing-enable-card small{font-size:12px;color:var(--muted);font-weight:500}.housing-grid,.housing-decision-fields,.housing-scenario-fields{margin-top:16px}.housing-comparison-input-note{margin:14px 0 0;padding:11px 12px;border-left:3px solid var(--blue);background:color-mix(in srgb,var(--blue) 4%,var(--surface));color:var(--muted);font-size:13px;line-height:1.5}.housing-comparison-input-note strong{color:var(--text)}.housing-scenario-fields{border:1px solid var(--line);border-radius:13px;padding:15px;background:var(--bg)}.housing-scenario-fields h4{margin:0 0 13px;font-size:14px}.housing-tax-note{margin-top:16px}.housing-comparison{margin-top:18px;border:1px solid var(--line);border-radius:16px;background:var(--surface);overflow:hidden}.housing-comparison-heading{display:flex;justify-content:space-between;gap:18px;align-items:flex-start;padding:18px 20px 14px;border-bottom:1px solid var(--line)}.housing-comparison-heading h3{font-size:20px;margin:0 0 5px}.housing-comparison-heading p:not(.section-kicker){margin:0;color:var(--muted);font-size:13px}.housing-comparison-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:11px;padding:14px 20px}.housing-result-card,.housing-comparison-card{border:1px solid var(--line);border-radius:13px;background:var(--surface-2);padding:14px}.housing-comparison-card span,.housing-comparison-card strong,.housing-comparison-card small{display:block}.housing-comparison-card strong{margin-top:4px}.housing-comparison-card small{margin-top:6px;line-height:1.45;color:var(--muted)}.housing-result-card.selected{border-color:color-mix(in srgb,var(--brand) 55%,var(--line));box-shadow:inset 0 0 0 1px color-mix(in srgb,var(--brand) 18%,transparent)}.housing-result-card .housing-card-top{display:flex;justify-content:space-between;gap:8px;align-items:flex-start}.housing-result-card h4{margin:0;font-size:15px}.housing-result-card .mini-status{font-size:12px}.housing-card-metrics{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:13px}.housing-card-metrics div{border:1px solid var(--line);border-radius:9px;background:var(--surface);padding:9px}.housing-card-metrics span{display:block;font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.04em;font-weight:800}.housing-card-metrics strong{display:block;margin-top:2px;font-size:14px}.housing-result-card p{font-size:13px;line-height:1.45;color:var(--muted);margin:11px 0 0}.housing-comparison-note{margin:0;padding:0 20px 16px;color:var(--muted);font-size:13px}
@media(max-width:900px){.housing-comparison-grid{grid-template-columns:1fr}.housing-grid.form-grid.cols-3,.housing-decision-fields .form-grid.cols-3,.housing-scenario-fields .form-grid.cols-3{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.housing-body{padding:14px}.housing-planner>summary{padding:14px}.housing-grid.form-grid.cols-3,.housing-decision-fields .form-grid.cols-3,.housing-scenario-fields .form-grid.cols-3,.housing-scenario-fields .form-grid.cols-2{grid-template-columns:1fr}.housing-comparison-heading{padding:15px 14px}.housing-comparison-grid{padding:12px 14px}.housing-comparison-note{padding:0 14px 14px}.housing-card-metrics{grid-template-columns:1fr 1fr}}
.chart-legend .legend-home{background:var(--blue)}

/* Household tax optimizer */
.tax-optimizer-assumptions{margin-top:22px;border:1px solid color-mix(in srgb,var(--accent) 24%,var(--line));background:color-mix(in srgb,var(--accent) 5%,var(--surface));border-radius:18px;padding:22px}.tax-optimizer-controls{display:grid;grid-template-columns:1.25fr .75fr;gap:16px;align-items:stretch}.tax-toggle-card{display:flex;align-items:flex-start;gap:12px;border:1px solid var(--line);background:var(--bg);border-radius:13px;padding:15px;min-height:82px}.tax-toggle-card input{width:20px;height:20px;min-height:20px;margin-top:2px;flex:0 0 auto}.tax-toggle-card span{display:block}.tax-toggle-card strong{display:block;font-size:14px}.tax-toggle-card small{display:block;color:var(--muted);font-weight:500;line-height:1.45;margin-top:4px}.tax-optimizer-note{margin:13px 0 0;color:var(--muted);font-size:13px}.tax-optimizer-result{border:1px solid color-mix(in srgb,var(--accent) 25%,var(--line));background:color-mix(in srgb,var(--accent) 4%,var(--surface));border-radius:18px;padding:22px;margin:18px 0}.tax-optimizer-result-heading{display:flex;justify-content:space-between;gap:18px;align-items:flex-start}.tax-optimizer-result-heading h3{margin:0}.tax-optimizer-result-heading p:not(.section-kicker){margin:4px 0 0;color:var(--muted);font-size:13px}.tax-optimizer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:16px}.tax-optimizer-grid article{border:1px solid var(--line);background:var(--bg);border-radius:13px;padding:15px}.tax-optimizer-grid span{display:block;color:var(--muted);font-size:12px;font-weight:750}.tax-optimizer-grid strong{display:block;font-size:20px;line-height:1.2;margin-top:5px}.tax-optimizer-grid small{display:block;color:var(--muted);font-size:12px;margin-top:5px}.tax-optimizer-summary{margin:15px 0 0;color:var(--muted);font-size:13px}.tax-comparison-chart-card{margin-top:16px}.legend-tax-optimized{background:var(--accent)!important}.legend-tax-baseline{background:var(--muted)!important}
@media(max-width:900px){.tax-optimizer-controls{grid-template-columns:1fr}.tax-optimizer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.tax-optimizer-assumptions,.tax-optimizer-result{padding:17px}.tax-optimizer-grid{grid-template-columns:1fr}.tax-optimizer-result-heading{display:block}.tax-optimizer-result-heading .pill{display:inline-block;margin-top:10px}}


.housing-loading-card{grid-column:1/-1;min-width:0;border:1px solid var(--line);border-radius:13px;background:var(--surface-2);padding:16px 18px;overflow:hidden}.housing-loading-row{display:flex;align-items:flex-start;gap:12px;min-width:0}.housing-loading-copy{display:block;min-width:0;flex:1}.housing-loading-label{display:block;margin:0 0 2px;color:var(--muted);font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.04em;line-height:1.35}.housing-loading-copy h4{display:block;margin:0;font-size:17px;line-height:1.35;color:var(--text)}.housing-loading-copy p{display:block;margin:5px 0 0;color:var(--muted);font-size:13px;line-height:1.5;white-space:normal;overflow-wrap:anywhere}.housing-loading-card .calculation-spinner{margin-top:3px;flex:0 0 18px}@media(max-width:620px){.housing-loading-card{padding:14px}.housing-loading-row{gap:10px}.housing-loading-copy h4{font-size:16px}}

/* Progressive results loading */
.calculation-progress-banner{display:block}.calculation-progress-copy{display:flex;align-items:flex-start;gap:13px}.calculation-progress-copy strong{display:block;margin:0}.calculation-progress-copy p{margin:3px 0 0;line-height:1.45}.calculation-spinner{display:inline-block;width:18px;height:18px;border:2px solid color-mix(in srgb,var(--brand) 24%,var(--line));border-top-color:var(--brand);border-radius:50%;animation:calculation-spin .8s linear infinite;flex:0 0 auto}.calculation-stage-progress{height:6px;background:var(--surface-2);border-radius:999px;overflow:hidden;margin-top:13px}.calculation-stage-progress span{display:block;height:100%;background:linear-gradient(90deg,var(--brand),var(--accent));border-radius:inherit;transition:width .18s ease}.calculation-placeholder{position:relative;overflow:hidden}.calculation-placeholder strong{font-size:17px!important}.calculation-placeholder:after{content:"";position:absolute;inset:0;transform:translateX(-100%);background:linear-gradient(90deg,transparent,color-mix(in srgb,var(--surface) 62%,transparent),transparent);animation:calculation-shimmer 1.5s infinite;pointer-events:none}.inline-calculation-status{display:inline-flex;align-items:center;gap:9px;color:var(--muted);font-weight:700}.inline-calculation-status .calculation-spinner{width:15px;height:15px}.calculation-in-progress canvas{opacity:.28}.calculation-in-progress .chart-card{position:relative}@keyframes calculation-spin{to{transform:rotate(360deg)}}@keyframes calculation-shimmer{100%{transform:translateX(100%)}}@media(prefers-reduced-motion:reduce){.calculation-spinner,.calculation-placeholder:after{animation:none}.calculation-stage-progress span{transition:none}}


/* Retirement Learning Centre and trust pages */
.content-page-main{min-height:70vh}.content-page-hero{padding:54px 0 36px;background:radial-gradient(circle at 88% 5%,rgba(201,31,55,.11),transparent 28%),linear-gradient(180deg,var(--surface),var(--bg));border-bottom:1px solid var(--line)}
.breadcrumbs{display:flex;align-items:center;flex-wrap:wrap;gap:7px;color:var(--muted);font-size:12px;margin-bottom:20px}.breadcrumbs a{text-decoration:none}.breadcrumbs a:hover{color:var(--brand)}.breadcrumbs span[aria-hidden="true"]{opacity:.65}
.content-page-hero h1{font-size:clamp(34px,5vw,56px);line-height:1.04;letter-spacing:-.04em;max-width:930px;margin:0 0 16px}.content-page-lead{font-size:18px;line-height:1.65;color:var(--muted);max-width:880px;margin:0}.article-meta{display:flex;flex-wrap:wrap;gap:8px 16px;margin-top:20px;color:var(--muted);font-size:12px;font-weight:650}.article-meta strong{color:var(--text)}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:38px;align-items:start;padding:42px 0 70px}.article-content{min-width:0}.article-content h2{font-size:30px;line-height:1.2;letter-spacing:-.025em;margin:38px 0 12px}.article-content h2:first-child{margin-top:0}.article-content h3{font-size:21px;margin:25px 0 9px}.article-content p,.article-content li{color:var(--muted);line-height:1.72}.article-content p{margin:0 0 16px}.article-content ul,.article-content ol{padding-left:22px;margin:10px 0 20px}.article-content li{margin:7px 0}.article-content strong{color:var(--text)}.article-content a,.content-page-card a,.source-list a{color:var(--brand);text-underline-offset:3px}
.key-takeaway{border:1px solid color-mix(in srgb,var(--accent) 27%,var(--line));background:color-mix(in srgb,var(--accent) 7%,var(--surface));border-radius:15px;padding:18px 20px;margin:0 0 26px}.key-takeaway strong{display:block;margin-bottom:5px}.key-takeaway p{margin:0;color:var(--muted)}
.article-callout{border:1px solid var(--line);background:var(--surface);border-radius:16px;padding:20px;margin:24px 0;box-shadow:var(--shadow)}.article-callout h3{margin:0 0 7px;font-size:19px}.article-callout p:last-child{margin-bottom:0}.article-cta{display:flex;align-items:center;justify-content:space-between;gap:18px;border:1px solid color-mix(in srgb,var(--brand) 28%,var(--line));background:color-mix(in srgb,var(--brand) 6%,var(--surface));border-radius:16px;padding:20px;margin:32px 0}.article-cta h3{margin:0 0 5px}.article-cta p{margin:0}.article-cta .btn{white-space:nowrap;text-decoration:none;color:#fff}
.article-table-wrap{overflow:auto;border:1px solid var(--line);border-radius:14px;margin:18px 0 24px}.article-table{width:100%;border-collapse:collapse;min-width:560px}.article-table th,.article-table td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.article-table th{background:var(--surface-2);font-size:12px;color:var(--muted)}.article-table td{font-size:14px;color:var(--muted)}.article-table td strong{color:var(--text)}
.article-sidebar{position:sticky;top:92px;display:grid;gap:14px}.content-page-card{border:1px solid var(--line);background:var(--surface);border-radius:16px;padding:18px;box-shadow:var(--shadow)}.content-page-card h2,.content-page-card h3{font-size:16px;margin:0 0 9px}.content-page-card p,.content-page-card li{font-size:13px;color:var(--muted);line-height:1.55}.content-page-card ul{padding-left:18px;margin:8px 0 0}.content-page-card li{margin:6px 0}.content-page-card .btn{display:block;text-align:center;text-decoration:none;margin-top:12px;color:#fff}
.source-list{border-top:1px solid var(--line);margin-top:38px;padding-top:26px}.source-list h2{margin-top:0}.source-list ol{padding-left:22px}.source-list li{font-size:13px;margin:8px 0}.source-list small{display:block;color:var(--muted);margin-top:15px}
.learning-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px;margin-top:24px}.learning-card{display:flex;flex-direction:column;border:1px solid var(--line);background:var(--surface);border-radius:16px;padding:20px;text-decoration:none;box-shadow:var(--shadow);transition:.18s ease}.learning-card:hover{transform:translateY(-2px);border-color:color-mix(in srgb,var(--brand) 40%,var(--line))}.learning-card .card-kicker{color:var(--brand);font-size:11px;font-weight:850;text-transform:uppercase;letter-spacing:.1em}.learning-card h2,.learning-card h3{font-size:19px;line-height:1.25;margin:8px 0}.learning-card p{font-size:13px;color:var(--muted);margin:0 0 12px}.learning-card span:last-child{margin-top:auto;color:var(--brand);font-size:13px;font-weight:800}.learning-centre-section{padding:68px 0}.learning-centre-heading{display:flex;justify-content:space-between;align-items:end;gap:24px}.learning-centre-heading h2{font-size:34px;line-height:1.15;letter-spacing:-.03em;margin:0}.learning-centre-heading p{color:var(--muted);max-width:690px;margin:8px 0 0}.learning-centre-heading .btn{text-decoration:none;white-space:nowrap}
.trust-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:24px}.trust-strip>div{border:1px solid var(--line);background:var(--surface);border-radius:13px;padding:15px}.trust-strip strong{display:block;font-size:13px}.trust-strip span{display:block;color:var(--muted);font-size:12px;margin-top:3px}.content-disclaimer{border-left:3px solid var(--gold);background:color-mix(in srgb,var(--gold) 7%,var(--surface));padding:13px 15px;border-radius:0 12px 12px 0;margin:26px 0;color:var(--muted);font-size:13px}
.header-guide-link{white-space:nowrap}.footer-links a{color:inherit;text-underline-offset:3px}
@media(max-width:980px){.article-layout{grid-template-columns:1fr}.article-sidebar{position:static;grid-template-columns:1fr 1fr}.learning-grid{grid-template-columns:1fr 1fr}}
@media(max-width:760px){.header-guide-link{display:none}.article-sidebar{grid-template-columns:1fr}.learning-centre-heading{display:block}.learning-centre-heading .btn{display:inline-block;margin-top:14px}.trust-strip{grid-template-columns:1fr}.article-cta{display:block}.article-cta .btn{display:inline-block;margin-top:14px}}
@media(max-width:620px){.content-page-hero{padding:36px 0 28px}.content-page-hero h1{font-size:36px}.content-page-lead{font-size:16px}.article-layout{padding:28px 0 52px}.article-content h2{font-size:26px}.learning-grid{grid-template-columns:1fr}.learning-centre-section{padding:48px 0}}


/* Retirement Readiness Score */
.readiness-section{margin:18px 0;border:1px solid var(--line);border-radius:18px;background:var(--surface);overflow:hidden}.readiness-heading{display:flex;justify-content:space-between;gap:18px;align-items:flex-start;padding:20px 22px 16px;border-bottom:1px solid var(--line)}.readiness-heading h3{margin:0 0 5px;font-size:22px}.readiness-heading p:not(.section-kicker){margin:0;color:var(--muted);font-size:13px;max-width:780px}.readiness-main-grid{display:grid;grid-template-columns:minmax(300px,.85fr) minmax(0,1.15fr);gap:12px;padding:16px 20px 10px}.readiness-score-card,.readiness-opportunity-card{border:1px solid var(--line);border-radius:15px;background:var(--surface-2);padding:18px}.readiness-score-card{display:flex;align-items:center;gap:18px}.readiness-score-card>div:last-child>strong{display:block;font-size:17px}.readiness-score-card p,.readiness-opportunity-card p{margin:5px 0 0;color:var(--muted);font-size:13px}.readiness-score-ring{--readiness-score:0;width:116px;height:116px;border-radius:50%;display:grid;place-items:center;flex:0 0 auto;background:conic-gradient(var(--accent) calc(var(--readiness-score)*1%),var(--line) 0);position:relative}.readiness-score-ring:before{content:"";position:absolute;inset:9px;border-radius:50%;background:var(--surface)}.readiness-score-ring>div{position:relative;z-index:1;text-align:center}.readiness-score-ring strong{display:block;font-size:34px;line-height:1;font-weight:900;letter-spacing:-.04em}.readiness-score-ring span{display:block;margin-top:4px;color:var(--muted);font-size:11px;font-weight:750}.readiness-score-ring.watch{background:conic-gradient(var(--gold) calc(var(--readiness-score)*1%),var(--line) 0)}.readiness-score-ring.risk{background:conic-gradient(var(--brand) calc(var(--readiness-score)*1%),var(--line) 0)}.readiness-score-ring.loading{background:conic-gradient(var(--muted) 8%,var(--line) 0);opacity:.75}.readiness-opportunity-card>span{display:block;color:var(--muted);font-size:11px;font-weight:850;text-transform:uppercase;letter-spacing:.08em}.readiness-opportunity-card>strong{display:block;margin-top:7px;font-size:18px}.readiness-metrics{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;padding:4px 20px 14px}.readiness-metrics article{border:1px solid var(--line);border-radius:12px;background:var(--bg);padding:13px}.readiness-metrics span{display:block;color:var(--muted);font-size:11px;font-weight:800}.readiness-metrics strong{display:block;margin-top:3px;font-size:18px}.readiness-metrics small{display:block;color:var(--muted);font-size:11px;margin-top:3px}.readiness-share-panel{margin:0 20px 14px;border:1px solid color-mix(in srgb,var(--blue) 22%,var(--line));border-radius:14px;background:color-mix(in srgb,var(--blue) 5%,var(--surface));padding:15px;display:flex;justify-content:space-between;align-items:center;gap:18px}.readiness-share-panel strong{display:block}.readiness-share-panel p{margin:4px 0 0;color:var(--muted);font-size:12px;max-width:700px}.readiness-share-actions{display:flex;gap:7px;flex-wrap:wrap;justify-content:flex-end}.readiness-share-actions .btn{white-space:nowrap}.readiness-method{border-top:1px solid var(--line)}.readiness-method>summary{display:flex;justify-content:space-between;align-items:center;gap:14px;padding:15px 20px;cursor:pointer}.readiness-method>summary>span:first-child{display:grid;gap:2px}.readiness-method>summary small{color:var(--muted);font-weight:500}.readiness-breakdown{padding:0 20px 17px}.readiness-breakdown-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:9px}.readiness-breakdown-grid>div{border:1px solid var(--line);border-radius:11px;padding:12px;background:var(--bg)}.readiness-breakdown-grid span,.readiness-breakdown-grid small{display:block;color:var(--muted);font-size:11px}.readiness-breakdown-grid strong{display:block;margin:3px 0;font-size:17px}.readiness-method-note,.readiness-note{color:var(--muted);font-size:11px}.readiness-method-note{margin:12px 0 0}.readiness-note{margin:0;padding:0 20px 17px}.shared-readiness-wrap{max-width:820px;margin:44px auto 70px}.shared-readiness-card{border:1px solid var(--line);border-radius:22px;background:var(--surface);padding:28px;box-shadow:var(--shadow)}.shared-readiness-main{display:flex;align-items:center;gap:24px}.shared-readiness-copy h1{font-size:34px;margin:0 0 7px}.shared-readiness-copy p{color:var(--muted);margin:0}.shared-readiness-metrics{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:24px}.shared-readiness-metrics>div{border:1px solid var(--line);background:var(--bg);border-radius:12px;padding:14px}.shared-readiness-metrics span{display:block;color:var(--muted);font-size:11px;font-weight:800}.shared-readiness-metrics strong{display:block;font-size:18px;margin-top:3px}.shared-opportunity{margin-top:18px;border-left:4px solid var(--brand);background:var(--surface-2);padding:14px 16px;border-radius:0 12px 12px 0}.shared-opportunity span{display:block;color:var(--muted);font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.08em}.shared-opportunity strong{display:block;margin-top:5px}.shared-privacy-note{margin-top:18px;color:var(--muted);font-size:12px}.share-page-actions{display:flex;gap:9px;flex-wrap:wrap;margin-top:22px}
@media(max-width:900px){.readiness-main-grid{grid-template-columns:1fr}.readiness-metrics,.readiness-breakdown-grid{grid-template-columns:1fr 1fr}.readiness-share-panel{display:block}.readiness-share-actions{justify-content:flex-start;margin-top:12px}.shared-readiness-metrics{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.readiness-heading{padding:16px 14px}.readiness-main-grid{padding:12px 14px 8px}.readiness-score-card{align-items:flex-start}.readiness-score-ring{width:94px;height:94px}.readiness-score-ring strong{font-size:28px}.readiness-metrics{grid-template-columns:1fr 1fr;padding:4px 14px 12px}.readiness-share-panel{margin:0 14px 12px}.readiness-share-actions{display:grid;grid-template-columns:1fr}.readiness-share-actions .btn{width:100%}.readiness-method>summary{padding:14px}.readiness-breakdown{padding:0 14px 14px}.readiness-breakdown-grid{grid-template-columns:1fr}.readiness-note{padding:0 14px 14px}.shared-readiness-wrap{margin:24px auto 50px}.shared-readiness-card{padding:20px}.shared-readiness-main{display:grid}.shared-readiness-metrics{grid-template-columns:1fr 1fr}}

/* Advisor review/share, scenario launch and retirement checklist */
.advisor-review-banner,.scenario-launch-banner{border-bottom:1px solid var(--line);background:color-mix(in srgb,var(--blue) 7%,var(--surface));position:relative;z-index:42}.advisor-review-banner.error{background:color-mix(in srgb,#b42318 7%,var(--surface))}.advisor-review-banner-inner,.scenario-launch-inner{display:flex;justify-content:space-between;align-items:center;gap:18px;padding:13px 0}.advisor-review-banner-inner strong,.scenario-launch-inner strong{display:block;font-size:14px}.advisor-review-banner-inner p,.scenario-launch-inner p{margin:2px 0 0;color:var(--muted);font-size:12px}.advisor-review-banner-actions,.scenario-launch-actions{display:flex;gap:8px;flex-wrap:wrap;justify-content:flex-end}.advisor-review-mode .save-state{color:var(--muted)}.advisor-share-modal{width:min(100%,610px)}.advisor-privacy-warning{border:1px solid color-mix(in srgb,var(--gold) 35%,var(--line));background:color-mix(in srgb,var(--gold) 8%,var(--surface));border-radius:13px;padding:14px 16px}.advisor-privacy-warning strong{display:block;margin-bottom:4px}.advisor-privacy-warning p{margin:0;color:var(--muted);font-size:13px}.advisor-share-facts{margin:16px 0;padding-left:22px;color:var(--muted);font-size:13px}.advisor-share-facts li{margin:7px 0}.advisor-consent{display:flex;align-items:flex-start;gap:10px;border-top:1px solid var(--line);padding-top:15px;margin-top:5px}.advisor-consent input{width:19px;height:19px;min-height:19px;flex:0 0 auto;margin-top:2px}.advisor-consent span{font-size:13px;color:var(--text)}.advisor-share-result{margin-top:16px;border-top:1px solid var(--line);padding-top:16px}.advisor-share-result input{font-size:12px}.advisor-share-result-actions{display:flex;gap:8px;margin-top:10px}.advisor-share-result p{font-size:12px;color:var(--muted);margin:10px 0 0}.retirement-checklist{margin-top:18px;border:1px solid var(--line);background:var(--surface);border-radius:16px;overflow:hidden}.retirement-checklist-heading{display:flex;justify-content:space-between;gap:20px;align-items:flex-start;padding:18px 20px;border-bottom:1px solid var(--line)}.retirement-checklist-heading h3{margin:0 0 4px;font-size:20px}.retirement-checklist-heading p:not(.section-kicker){margin:0;color:var(--muted);font-size:13px}.checklist-heading-actions{display:flex;gap:8px;flex-wrap:wrap;justify-content:flex-end}.checklist-progress-wrap{padding:14px 20px 0}.checklist-progress-meta{display:flex;justify-content:space-between;align-items:center;gap:12px;font-size:12px;color:var(--muted);font-weight:700}.checklist-progress-track{height:7px;background:var(--surface-2);border-radius:999px;overflow:hidden;margin-top:8px}.checklist-progress-track span{display:block;height:100%;width:0;border-radius:inherit;background:linear-gradient(90deg,var(--blue),var(--accent));transition:width .2s ease}.retirement-checklist-body{padding:14px 20px 18px;display:grid;gap:16px}.checklist-group h4{margin:0 0 8px;font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}.checklist-items{display:grid;gap:8px}.retirement-check-item{display:flex;align-items:flex-start;gap:11px;border:1px solid var(--line);border-radius:12px;padding:12px 13px;background:var(--bg);cursor:pointer}.retirement-check-item:hover{border-color:color-mix(in srgb,var(--blue) 35%,var(--line))}.retirement-check-item input{width:19px;height:19px;min-height:19px;flex:0 0 auto;margin:1px 0 0}.retirement-check-item span{display:grid;gap:2px}.retirement-check-item strong{font-size:13px}.retirement-check-item small{font-size:12px;line-height:1.45;color:var(--muted)}.retirement-check-item.complete{background:color-mix(in srgb,var(--accent) 5%,var(--surface));opacity:.78}.retirement-check-item.complete strong{text-decoration:line-through}.retirement-checklist-note{margin:0;padding:0 20px 18px;color:var(--muted);font-size:12px}.scenario-launch-banner{background:color-mix(in srgb,var(--accent) 7%,var(--surface))}
@media(max-width:760px){.advisor-review-banner-inner,.scenario-launch-inner,.retirement-checklist-heading{display:grid}.advisor-review-banner-actions,.scenario-launch-actions,.checklist-heading-actions{justify-content:flex-start}.retirement-checklist-body,.checklist-progress-wrap{padding-left:14px;padding-right:14px}.retirement-checklist-heading{padding:15px 14px}.retirement-checklist-note{padding:0 14px 15px}}