/* RetireTally — clean, warm, fast. No external fonts or frameworks. */
:root{
  --ink:#1d2433; --muted:#5a6475; --line:#e3e6ec; --bg:#fbfaf7; --card:#ffffff;
  --brand:#0f6b5c; --brand-ink:#0b5246; --brand-soft:#e6f3f0; --accent:#e9a23b; --accent-soft:#fdf3e2;
  --warn:#8a4b00; --warn-bg:#fff6e5; --radius:14px; --shadow:0 1px 2px rgba(16,24,40,.05),0 4px 16px rgba(16,24,40,.06);
  --max:1080px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg)}
img,svg{max-width:100%;height:auto}
a{color:var(--brand-ink);text-underline-offset:2px}
a:hover{color:var(--brand)}
h1,h2,h3{line-height:1.2;letter-spacing:-.01em;margin:1.6em 0 .5em}
h1{font-size:clamp(1.9rem,4.5vw,2.8rem);margin-top:.2em}
h2{font-size:clamp(1.4rem,3vw,1.8rem)}
h3{font-size:1.15rem}
p,ul,ol{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:10}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.25rem;color:var(--ink);text-decoration:none}
.logo span b{color:var(--brand)}
.nav{display:flex;gap:18px;flex-wrap:wrap;font-size:.95rem}
.nav a{color:var(--muted);text-decoration:none;padding:6px 0}
.nav a:hover,.nav a[aria-current=page]{color:var(--brand-ink);text-decoration:underline}

/* hero */
.hero{padding:44px 0 18px}
.eyebrow{display:inline-block;background:var(--brand-soft);color:var(--brand-ink);font-weight:600;font-size:.85rem;padding:4px 10px;border-radius:999px}
.lede{font-size:1.15rem;color:var(--muted);max-width:720px}
.btn{display:inline-block;background:var(--brand);color:#fff;border:0;border-radius:10px;padding:12px 18px;font:inherit;font-weight:700;text-decoration:none;cursor:pointer}
.btn:hover{background:var(--brand-ink);color:#fff}
.btn.secondary{background:#fff;color:var(--brand-ink);border:1px solid var(--line)}
.btn[disabled]{opacity:.55;cursor:not-allowed}

/* cards & grids */
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px}
.grid{display:grid;gap:18px}
@media(min-width:760px){.grid-2{grid-template-columns:1fr 1fr}.grid-3{grid-template-columns:repeat(3,1fr)}}
.pill{display:inline-block;font-size:.78rem;font-weight:700;color:var(--muted);background:#f1f2f5;border-radius:999px;padding:2px 9px}
.figure{font-size:1.6rem;font-weight:800;color:var(--brand-ink)}
.src{font-size:.85rem;color:var(--muted)}
.callout{background:var(--brand-soft);border-radius:var(--radius);padding:18px 20px;margin:1.2em 0}
.callout.warn{background:var(--warn-bg);color:var(--warn)}
table{border-collapse:collapse;width:100%;font-size:.95rem;margin:0 0 1em}
th,td{text-align:left;padding:9px 10px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#f6f7f9}
.table-scroll{overflow-x:auto}

/* calculator */
.calc{margin:22px 0}
.calc form{display:grid;gap:16px}
.calc fieldset{border:1px solid var(--line);border-radius:12px;padding:14px 16px 16px;margin:0}
.calc legend{font-weight:700;padding:0 6px}
.row{display:grid;gap:12px}
@media(min-width:620px){.row-3{grid-template-columns:2fr 1fr 1.3fr}.row-2{grid-template-columns:1fr 1fr}}
label{display:block;font-weight:600;font-size:.95rem;margin-bottom:4px}
.hint{display:block;font-weight:400;color:var(--muted);font-size:.85rem}
input[type=number],input[type=text],input[type=email],select{width:100%;font:inherit;padding:10px 12px;border:1px solid #cfd4dc;border-radius:10px;background:#fff;color:var(--ink);min-height:46px}
input:focus,select:focus,button:focus{outline:3px solid rgba(15,107,92,.35);outline-offset:1px}
.choice{display:flex;gap:18px;flex-wrap:wrap}
.choice label{display:flex;align-items:center;gap:8px;font-weight:500}
.months{display:grid;grid-template-columns:repeat(auto-fill,minmax(120px,1fr));gap:8px;margin-top:8px}
.months label{display:flex;gap:6px;align-items:center;font-weight:500;background:#f6f7f9;border-radius:8px;padding:6px 8px;font-size:.9rem}
.hidden{display:none!important}
.results{margin-top:8px}
.results h3{margin-top:0}
.kpis{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));margin:12px 0 16px}
.kpi{background:#f7f8fa;border-radius:12px;padding:12px 14px}
.kpi .k{font-size:.82rem;color:var(--muted);font-weight:600}
.kpi .v{font-size:1.35rem;font-weight:800}
.kpi.good .v{color:var(--brand-ink)}
.kpi.bad .v{color:#9a3412}
.explain li{margin-bottom:.4em}
.err{color:#9a3412;font-weight:600}

/* CTA */
.cta{background:var(--accent-soft);border:1px solid #f3dcb5;border-radius:var(--radius);padding:22px;margin:28px 0}
.cta h2{margin-top:0}
.cta form{display:flex;gap:10px;flex-wrap:wrap}
.cta input{flex:1 1 240px}

/* FAQ */
details{border:1px solid var(--line);border-radius:12px;background:#fff;padding:12px 16px;margin-bottom:10px}
summary{font-weight:700;cursor:pointer}
details p:first-of-type{margin-top:.6em}

/* footer */
.site-footer{margin-top:48px;border-top:1px solid var(--line);background:#fff;font-size:.92rem;color:var(--muted)}
.site-footer .wrap{padding-top:24px;padding-bottom:28px}
.site-footer nav{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:12px}
.disclaimer{max-width:820px}
/* mobile tightening */
.site-header .wrap{padding-top:10px;padding-bottom:10px;row-gap:2px}
.nav{gap:2px 16px}
.explain{padding-left:1.15em}
.kpis{grid-template-columns:repeat(auto-fit,minmax(140px,1fr))}
@media(max-width:480px){body{font-size:16px}.card{padding:16px}.calc fieldset{padding:12px}.kpi .v{font-size:1.2rem}}
.site-header .wrap{align-content:center}
@media(max-width:480px){.site-header .wrap{min-height:0}.nav{font-size:.9rem}.hero{padding-top:24px}}