*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
:root {
  --blue:   #185FA5; --blue-lt: #E6F1FB; --blue-dk: #0C447C;
  --green:  #3B6D11; --green-lt: #EAF3DE; --green-bd: #C0DD97;
  --amber:  #854F0B; --amber-lt: #FAEEDA; --amber-bd: #FAC775;
  --red:    #A32D2D; --red-lt:   #FCEBEB; --red-bd:   #F7C1C1;
  --txt:    #1a1a1a; --txt2: #6b6b6b; --txt3: #9b9b9b;
  --bg:     #ffffff; --bg2: #f7f7f5; --bg3: #f0efe9;
  --bdr:    rgba(0,0,0,0.12); --bdr2: rgba(0,0,0,0.22);
  --radius: 8px; --radius-lg: 12px;
}
body { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
       background: var(--bg3); color: var(--txt); line-height: 1.5; }
.page { max-width: 860px; margin: 0 auto; padding: 2rem 1rem 4rem; }
h1 { font-size: 22px; font-weight: 500; margin-bottom: 4px; }
.page-sub { font-size: 13px; color: var(--txt2); margin-bottom: 1.5rem; }
.sec { background: var(--bg); border: 0.5px solid var(--bdr); border-radius: var(--radius-lg);
       padding: 1.25rem; margin-bottom: 1rem; }
.st { font-size: 13px; font-weight: 500; margin-bottom: .75rem; }
.hint { font-size: 11px; color: var(--txt2); margin-bottom: .75rem; line-height: 1.5; }
.g2 { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.g3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 10px; }
.g4 { display: grid; grid-template-columns: 1fr 1fr 1fr 1fr; gap: 10px; }
.f  { display: flex; flex-direction: column; gap: 3px; }
label { font-size: 11px; color: var(--txt2); }
input[type=number], input[type=text], select {
  width: 100%; height: 36px; padding: 0 10px; border: 0.5px solid var(--bdr2);
  border-radius: var(--radius); font-size: 13px; background: var(--bg2); color: var(--txt); }
input:focus, select:focus { outline: none; border-color: var(--blue); }
.hdr { font-size: 10px; color: var(--txt2); padding-bottom: 3px; }
.rm-btn { height: 30px; padding: 0 8px; font-size: 12px; border: 0.5px solid var(--red-bd);
          border-radius: var(--radius); background: var(--red-lt); color: var(--red); cursor: pointer; }
.add-btn { font-size: 11px; padding: 5px 14px; border: 0.5px solid var(--bdr2);
           border-radius: var(--radius); background: var(--bg2); color: var(--txt2); cursor: pointer; margin-top: 6px; }

/* budget bar */
.budget-bar { background: var(--bg2); border: 0.5px solid var(--bdr); border-radius: var(--radius-lg);
              padding: 1rem 1.25rem; margin-bottom: 1rem; }
.bb-title { font-size: 12px; font-weight: 500; margin-bottom: .625rem; }
.bb-row { display: flex; align-items: center; gap: 10px; margin-bottom: 5px; }
.bb-lbl { font-size: 11px; color: var(--txt2); width: 160px; flex-shrink: 0; }
.bb-track { flex: 1; height: 8px; background: var(--bdr); border-radius: 4px; overflow: hidden; }
.bb-fill { height: 100%; border-radius: 4px; transition: width .3s; }
.bb-val { font-size: 11px; font-weight: 500; min-width: 88px; text-align: right; }
.bb-foot { display: flex; justify-content: space-between; align-items: center;
           padding-top: 8px; border-top: 0.5px solid var(--bdr); margin-top: 4px; }
.bb-foot-lbl { font-size: 12px; color: var(--txt2); }
.bb-foot-val { font-size: 14px; font-weight: 500; }

/* quick balance widget */
.bb-adjust {
  display: flex; align-items: center; gap: 8px;
  margin-top: 8px; padding: 8px 10px;
  background: var(--bg); border: 0.5px solid var(--bdr2);
  border-radius: var(--radius);
}
.bb-adjust-lbl { font-size: 11px; color: var(--txt2); white-space: nowrap; flex-shrink: 0; }
.bb-adjust-sel { flex: 1; min-width: 0; height: 30px !important; font-size: 11px !important; padding: 0 6px !important; }
.bb-adjust-btn {
  height: 30px; padding: 0 12px; font-size: 11px; font-weight: 500;
  border: none; border-radius: var(--radius); background: var(--blue);
  color: #fff; cursor: pointer; white-space: nowrap; flex-shrink: 0;
}
.bb-adjust-btn:hover { opacity: 0.88; }
.ok  { color: #27500A; } .warn { color: #633806; } .err { color: #791F1F; }

/* feasibility cards */
.feas-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 1rem; }
.fc { border: 0.5px solid var(--bdr); border-radius: var(--radius-lg); padding: 1rem; }
.fc-ico { font-size: 16px; margin-bottom: 4px; }
.fc-title { font-size: 11px; font-weight: 500; margin-bottom: 3px; }
.fc-val   { font-size: 17px; font-weight: 500; margin-bottom: 2px; }
.fc-desc  { font-size: 10px; line-height: 1.5; }
.fc-g { background: var(--green-lt); border-color: var(--green-bd); }
.fc-g .fc-title { color: var(--green); } .fc-g .fc-val { color: #27500A; } .fc-g .fc-desc { color: var(--green); }
.fc-a { background: var(--amber-lt); border-color: var(--amber-bd); }
.fc-a .fc-title { color: var(--amber); } .fc-a .fc-val { color: #633806; } .fc-a .fc-desc { color: var(--amber); }
.fc-r { background: var(--red-lt); border-color: var(--red-bd); }
.fc-r .fc-title { color: var(--red); } .fc-r .fc-val { color: #791F1F; } .fc-r .fc-desc { color: var(--red); }
.fc-n { background: var(--bg2); border-color: var(--bdr); }
.fc-n .fc-title { color: var(--txt2); } .fc-n .fc-val { color: var(--txt); } .fc-n .fc-desc { color: var(--txt2); }

/* calc button */
.btn-calc { width: 100%; height: 46px; border: none; font-size: 14px; font-weight: 500;
            border-radius: var(--radius-lg); cursor: pointer; margin-top: .5rem; transition: opacity .2s; }
.btn-on  { background: var(--blue); color: #fff; }
.btn-on:hover { opacity: .88; }
.btn-off { background: var(--bg2); color: var(--txt2); border: 0.5px solid var(--bdr); cursor: not-allowed; }
.pdf-action-bar {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  background: var(--blue-lt); border: 0.5px solid var(--blue);
  border-radius: var(--radius-lg); padding: 12px 16px; margin: 0 0 16px;
  animation: pdf-bar-in .35s ease-out;
}
.pdf-action-msg { font-size: 13px; color: var(--blue-dk); flex: 1; }
.btn-pdf { font-size: 13px; font-weight: 600; padding: 9px 22px; background: var(--blue); color: #fff;
           border: none; border-radius: var(--radius); cursor: pointer;
           transition: opacity .2s, transform .15s; white-space: nowrap; }
.btn-pdf:hover { opacity: .88; transform: translateY(-1px); }
.btn-pdf:active { transform: translateY(0); }
.btn-pdf:disabled { opacity: .6; cursor: wait; transform: none; }
@keyframes pdf-bar-in {
  from { opacity: 0; transform: translateY(-6px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* results */
#results { display: none; margin-top: 1rem; }
.dual-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 1rem; }
.corpus-card { border: 0.5px solid var(--bdr); border-radius: var(--radius-lg); padding: 1.25rem; }
.cc-lbl  { font-size: 11px; color: var(--txt2); margin-bottom: 4px; }
.cc-val  { font-size: 20px; font-weight: 500; margin-bottom: 4px; }
.cc-age  { font-size: 13px; font-weight: 500; margin-bottom: 6px; }
.cc-desc { font-size: 11px; line-height: 1.6; }
.cc-g { background: var(--green-lt); border-color: var(--green-bd); }
.cc-g .cc-val,.cc-g .cc-age { color: #27500A; } .cc-g .cc-desc { color: var(--green); }
.cc-a { background: var(--amber-lt); border-color: var(--amber-bd); }
.cc-a .cc-val,.cc-a .cc-age { color: #633806; } .cc-a .cc-desc { color: var(--amber); }
.cc-r { background: var(--red-lt); border-color: var(--red-bd); }
.cc-r .cc-val,.cc-r .cc-age { color: #791F1F; } .cc-r .cc-desc { color: var(--red); }
.banner { padding: .875rem 1rem; border-radius: var(--radius); font-size: 12px; line-height: 1.7;
          margin-bottom: 1rem; border: 0.5px solid; }
.b-g { background: var(--green-lt); border-color: var(--green-bd); color: #27500A; }
.b-a { background: var(--amber-lt); border-color: var(--amber-bd); color: #633806; }
.b-r { background: var(--red-lt);   border-color: var(--red-bd);   color: #791F1F; }
.mg { display: grid; grid-template-columns: repeat(4,1fr); gap: 8px; margin-bottom: 1rem; }
.mc { background: var(--bg2); border-radius: var(--radius); padding: .875rem; text-align: center; }
.mc-lbl { font-size: 10px; color: var(--txt2); margin-bottom: 3px; }
.mc-val { font-size: 16px; font-weight: 500; }
.mc-sub { font-size: 10px; color: var(--txt2); margin-top: 2px; }
.cw { position: relative; width: 100%; height: 300px; margin: .75rem 0; }
.trow { display: flex; gap: 8px; margin-bottom: .625rem; }
.tb { padding: 4px 14px; font-size: 11px; border: 0.5px solid var(--bdr2);
      border-radius: var(--radius); background: var(--bg2); color: var(--txt2); cursor: pointer; }
.tb.on { background: var(--blue); color: #fff; border-color: var(--blue); }
.tbl { overflow-x: auto; }
table { width: 100%; border-collapse: collapse; font-size: 11px; table-layout: fixed; }
th { font-weight: 500; color: var(--txt2); padding: 5px 5px; border-bottom: 0.5px solid var(--bdr); text-align: left; }
td { padding: 4px 5px; border-bottom: 0.5px solid var(--bdr); }
.hrow td { background: var(--green-lt); color: #27500A; font-weight: 500; }
.hrow2 td { background: var(--blue-lt); color: var(--blue-dk); font-weight: 500; }
.ret-exh td { background: var(--red-lt); color: #791F1F; font-weight: 500; }
.tag { font-size: 9px; padding: 2px 5px; border-radius: 3px; font-weight: 500; }
.t-g { background: var(--green-lt); color: var(--green); }
.t-a { background: var(--amber-lt); color: var(--amber); }
.t-r { background: var(--red-lt);   color: var(--red); }
.leg { display: flex; gap: 14px; flex-wrap: wrap; font-size: 11px; color: var(--txt2); margin-top: 4px; }
.leg span { display: flex; align-items: center; gap: 3px; }
.ld { width: 10px; height: 10px; border-radius: 2px; }
.loading { text-align: center; padding: 2rem; color: var(--txt2); font-size: 13px; }
.err-msg { background: var(--red-lt); border: 0.5px solid var(--red-bd); border-radius: var(--radius);
           padding: .875rem 1rem; color: var(--red); font-size: 13px; margin-top: 1rem; }
.bkt-row     { display: grid; grid-template-columns: 1.6fr 1fr 1fr 65px 28px; gap: 8px; align-items: start; margin-bottom: 6px; }
.ret-bkt-row { display: grid; grid-template-columns: 2fr 1.1fr 0.6fr 0.8fr 0.5fr 28px; gap: 8px; align-items: center; margin-bottom: 6px; }
.ret-inc-row { display: grid; grid-template-columns: 1.2fr 2fr 1fr 0.7fr 0.6fr 0.6fr 28px; gap: 8px; align-items: center; margin-bottom: 6px; }
.ret-subsec { border-top: 0.5px solid var(--bdr); margin-top: 1.25rem; padding-top: 1rem; }
.ret-subsec-title { font-size: 12px; font-weight: 600; color: var(--txt); margin-bottom: 0.5rem; }
.dep-row  { display: grid; grid-template-columns: 1.3fr .38fr .82fr 1.5fr .38fr 28px; gap: 8px; align-items: start; margin-bottom: 4px; }
.exp-row  { display: grid; grid-template-columns: 2fr 1fr 72px; gap: 8px; align-items: center; margin-bottom: 6px; }
.inc-row  { display: grid; grid-template-columns: 2fr 1fr 65px 28px; gap: 8px; align-items: center; margin-bottom: 6px; }
.ins-row  { display: grid; grid-template-columns: 3fr 1.2fr 0.7fr 0.7fr 28px; gap: 8px; align-items: center; margin-bottom: 6px; }
.debt-row { display: grid; grid-template-columns: 1.5fr 1fr .8fr 1fr .7fr 28px; gap: 8px; align-items: end; margin-bottom: 6px; }
.asset-row  { display: grid; grid-template-columns: 1.6fr 1.2fr 0.8fr 28px; gap: 8px; align-items: start; margin-bottom: 6px; }
.freq-sel { width: 74px !important; padding: 0 4px !important; font-size: 11px !important; flex-shrink: 0; }
.phase-bar-wrap { position: relative; margin: 2px 0 10px; }
.phase-bar { display: flex; width: 100%; height: 16px; border-radius: 4px; overflow: hidden; }
.phase-seg { display: flex; align-items: center; justify-content: center; color: #fff; overflow: hidden; white-space: nowrap; font-size: 9px; font-weight: 600; }
.phase-ptr { position: absolute; top: -6px; transform: translateX(-50%); font-size: 10px; line-height: 1; }
.phase-lbl { font-size: 9px; color: var(--txt3); margin-top: 2px; display: flex; justify-content: space-between; }

/* ── Mobile ───────────────────────────────────────────────────────────────── */
@media (max-width: 600px) {
  .page { padding: 1rem 0.5rem 3rem; }

  /* Layout grids collapse to single column */
  .g2, .g3, .g4 { grid-template-columns: 1fr; }
  .feas-grid     { grid-template-columns: 1fr; }
  .dual-grid     { grid-template-columns: 1fr; }
  .mg            { grid-template-columns: 1fr 1fr; } /* metrics: 2-up on mobile */

  /* Input row grids: let their container scroll horizontally rather than
     wrapping, which would misalign the delete button column */
  .sec { overflow-x: auto; }

  /* Give each input grid a min-width so content doesn't collapse to nothing */
  .bkt-row      { min-width: 520px; }
  .ret-bkt-row  { min-width: 560px; }
  .ret-inc-row  { min-width: 600px; }
  .dep-row      { min-width: 560px; }
  .ins-row      { min-width: 480px; }
  .debt-row     { min-width: 540px; }
  .asset-row    { min-width: 380px; }

  /* Charts: cap height on small screens */
  #mc, #bc { max-height: 260px; }
}

/* ─────────────────────────────────────────────────────────────────────────────
   REDESIGN ADDITIONS – sidebar + sticky bar layout
   All original rules above are untouched.
   ───────────────────────────────────────────────────────────────────────────── */

/* ── Layout: sidebar + content ──────────────────────────────────────────── */
.layout {
  display: flex;
  align-items: flex-start;
  max-width: 1100px;
  margin: 0 auto;
}
.page {
  flex: 1;
  min-width: 0;
  max-width: 860px;
  padding: 2rem 1rem 4rem;
}

/* ── Sticky top budget bar ──────────────────────────────────────────────── */
.sticky-budget {
  position: sticky; top: 0; z-index: 200;
  background: var(--bg);
  border-bottom: 0.5px solid var(--bdr2);
  box-shadow: 0 1px 6px rgba(0,0,0,0.06);
}
.sb-inner {
  max-width: 1100px; margin: 0 auto;
  padding: 0 1rem 0 204px;
  display: flex; align-items: center;
  height: 40px; gap: 0;
}
.sb-brand { font-size: 12px; font-weight: 500; color: var(--txt); margin-right: 4px; }
.sb-item  { display: flex; align-items: center; gap: 5px; padding: 0 12px; }
.sb-dot   { width: 6px; height: 6px; border-radius: 50%; flex-shrink: 0; }
.sb-label { font-size: 11px; color: var(--txt2); }
.sb-val   { font-size: 12px; font-weight: 500; }
.sb-ok    { color: var(--green); }
.sb-warn  { color: var(--amber); }
.sb-err   { color: var(--red); }
.sb-divider { width: 0.5px; height: 16px; background: var(--bdr2); flex-shrink: 0; }

/* ── Sidebar navigation ──────────────────────────────────────────────────── */
.sidenav {
  position: sticky;
  top: 40px;
  width: 180px;
  flex-shrink: 0;
  height: calc(100vh - 40px);
  overflow-y: auto;
  padding: 1.5rem 0 2rem 1rem;
  border-right: 0.5px solid var(--bdr);
  scrollbar-width: none;
}
.sidenav::-webkit-scrollbar { display: none; }

.sidenav-section { margin-bottom: 1.25rem; }

.sidenav-group-label {
  font-size: 10px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: #555555;
  padding: 0 4px 4px;
  margin-bottom: 2px;
}

.sidenav-link {
  display: flex;
  align-items: center;
  gap: 7px;
  padding: 6px 8px;
  margin-bottom: 1px;
  border-radius: 6px;
  font-size: 12px;
  color: var(--txt2);
  text-decoration: none;
  cursor: pointer;
  transition: background 0.15s, color 0.15s;
  border: none;
  background: none;
}
.sidenav-link:hover { background: var(--bg2); color: var(--txt); }
.sidenav-link.active { background: var(--blue-lt); color: var(--blue-dk); font-weight: 500; }
.sidenav-link-action {
  background: var(--blue); color: #fff !important;
  font-weight: 500; margin-bottom: 4px;
}
.sidenav-link-action:hover { opacity: 0.88; background: var(--blue); }

.sidenav-icon {
  width: 20px; height: 20px;
  border-radius: 5px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.icon-neutral-sm { background: var(--bg3);    color: var(--txt2); }
.icon-blue-sm    { background: var(--blue-lt); color: var(--blue-dk); }
.icon-coral-sm   { background: #FAECE7;        color: #993C1D; }
.icon-green-sm   { background: var(--green-lt);color: var(--green); }
.icon-purple-sm  { background: #EEEDFE;        color: #3C3489; }

/* ── Section dividers ──────────────────────────────────────────────────────── */
.sec-divider {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 1.75rem 0 0.625rem;
  scroll-margin-top: 56px;
}
.sec-divider::after {
  content: '';
  flex: 1;
  height: 0.5px;
  background: var(--bdr2);
}
.sec-divider-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--txt2);
  white-space: nowrap;
  padding: 3px 8px;
  border-radius: 4px;
  background: var(--bg2);
  border: 0.5px solid var(--bdr);
}
.sec-divider-label-blue   { color: var(--blue-dk);  background: var(--blue-lt);  border-color: #B5D4F4; }
.sec-divider-label-coral  { color: #993C1D;          background: #FAECE7;         border-color: #F5C4B3; }
.sec-divider-label-green  { color: var(--green);     background: var(--green-lt); border-color: var(--green-bd); }
.sec-divider-label-purple { color: #3C3489;          background: #EEEDFE;         border-color: #CECBF6; }
.divider-optional { font-size: 10px; font-weight: 400; color: var(--txt2); }

.sec[id], .budget-bar[id], #results, #calcBtn { scroll-margin-top: 56px; }

/* ── Section accent borders ──────────────────────────────────────────────── */
.sec-accent-blue   { border-left: 3px solid #378ADD !important; }
.sec-accent-coral  { border-left: 3px solid #D85A30 !important; }
.sec-accent-green  { border-left: 3px solid #1D9E75 !important; }
.sec-accent-purple { border-left: 3px solid #7F77DD !important; }
.sec-summary       { border-left: 3px solid var(--bdr2) !important; margin-top: 0; }

/* ── Section header ──────────────────────────────────────────────────────── */
.sec-header {
  display: flex; align-items: center; gap: 10px;
  margin-bottom: 0.875rem;
}
.sec-icon-wrap {
  width: 28px; height: 28px; border-radius: 8px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
}
.icon-blue   { background: var(--blue-lt);  color: var(--blue-dk); }
.icon-coral  { background: #FAECE7;         color: #993C1D; }
.icon-green  { background: var(--green-lt); color: var(--green); }
.icon-purple { background: #EEEDFE;         color: #3C3489; }
.icon-neutral{ background: var(--bg2);      color: var(--txt2); }
.sec-title-wrap { flex: 1; min-width: 0; }
/* suppress excess margin on .st when nested inside sec-header */
.sec-header .st { margin-bottom: 0; }
.sec-subtitle { font-size: 11px; color: var(--txt2); margin-top: 1px; }

/* ── Total pills ─────────────────────────────────────────────────────────── */
.sec-total-pill {
  flex-shrink: 0; font-size: 11px; padding: 3px 9px;
  border-radius: 20px; white-space: nowrap;
}
.sec-total-pill strong { font-weight: 600; }
.pill-blue  { background: var(--blue-lt);  color: var(--blue-dk); border: 0.5px solid #B5D4F4; }
.pill-coral { background: #FAECE7;         color: #993C1D;        border: 0.5px solid #F5C4B3; }
.pill-green { background: var(--green-lt); color: var(--green);   border: 0.5px solid var(--green-bd); }

/* ── Section footer strip ──────────────────────────────────────────────────── */
.sec-footer {
  display: flex; align-items: center;
  margin-top: 10px; padding-top: 8px;
  border-top: 0.5px solid var(--bdr);
}

/* ── Optional tag ──────────────────────────────────────────────────────────── */
.optional-tag {
  font-size: 10px; font-weight: 400; color: var(--txt2);
  background: var(--bg2); border: 0.5px solid var(--bdr);
  padding: 1px 5px; border-radius: 4px; margin-left: 4px;
  vertical-align: middle;
}

/* ── Employer contributions box ──────────────────────────────────────────── */
.employer-box {
  margin-top: 10px; padding: 10px 12px;
  background: var(--bg2); border: 0.5px solid var(--bdr);
  border-radius: var(--radius);
}
.employer-box-title {
  font-size: 11px; color: var(--txt2); font-weight: 500; margin-bottom: 6px;
}
/* Accessible touch target size for checkboxes */
.employer-box input[type="checkbox"] {
  width: 18px; height: 18px; min-width: 18px; cursor: pointer; flex-shrink: 0;
}
.employer-box label { padding: 4px 0; min-height: 24px; }

/* ── Retirement sub-section label ──────────────────────────────────────────── */
.ret-subsec-label {
  font-size: 11px; font-weight: 600; color: var(--txt2);
  text-transform: uppercase; letter-spacing: 0.05em;
  margin-bottom: 8px;
}

/* ── Results divider ─────────────────────────────────────────────────────── */
.results-divider {
  display: flex; align-items: center; gap: 12px;
  margin: 1.5rem 0 1rem; color: var(--txt2); font-size: 11px;
}
.results-divider::before, .results-divider::after {
  content: ''; flex: 1; height: 0.5px; background: var(--bdr2);
}

/* ── Page header ─────────────────────────────────────────────────────────── */
.page-header { margin-bottom: 0.5rem; }

/* ── Assumed rates notice (inline in results) ────────────────────────────── */
.res-rates-note {
  font-size: 11px; color: var(--amber); line-height: 1.65; margin-bottom: 14px;
  background: var(--amber-lt); border: 0.5px solid var(--amber-bd);
  border-radius: var(--radius); padding: 9px 14px;
}
.res-rates-note strong { font-weight: 600; }

/* ── Site footer ─────────────────────────────────────────────────────────── */
.site-footer {
  max-width: 860px; margin: 1.5rem auto 0; padding: 1.25rem 1rem 2.5rem;
  border-top: 0.5px solid var(--bdr);
}
.site-footer-inner { max-width: 680px; }
.site-footer-disc {
  font-size: 10px; color: var(--txt2); line-height: 1.75; margin-bottom: 12px;
}
.site-footer-disc strong { color: var(--txt); }
.site-tou { border: 0.5px solid var(--bdr); border-radius: var(--radius); }
.site-tou summary {
  font-size: 11px; font-weight: 500; color: var(--blue); cursor: pointer;
  padding: 8px 12px; list-style: none; display: flex; align-items: center; gap: 6px;
  user-select: none;
}
.site-tou summary::-webkit-details-marker { display: none; }
.site-tou summary::before { content: '▸'; font-size: 9px; color: var(--blue); }
.site-tou[open] summary::before { content: '▾'; }
.site-tou-body {
  padding: 10px 14px 14px;
  background: var(--bg2); border-top: 0.5px solid var(--bdr);
  border-radius: 0 0 var(--radius) var(--radius);
}
.site-tou-body ul { padding-left: 1.25rem; margin: 0; }
.site-tou-body li {
  font-size: 10.5px; color: var(--txt2); line-height: 1.7; margin-bottom: 5px;
}

/* ── Mobile ──────────────────────────────────────────────────────────────── */
@media (max-width: 700px) {
  .sidenav { display: none; }
  .layout  { display: block; }
  .page    { max-width: 100%; padding: 1rem 0.5rem 3rem; }
  .sticky-budget .sb-brand { display: none; }
  .sb-inner { padding-left: 1rem; }
  .sec-total-pill { display: none; }
  .pdf-action-bar { flex-direction: column; align-items: stretch; gap: 10px; }
  .btn-pdf { width: 100%; }
}

/* ───────────────────────────────────────────────────────────────────────────
   OPTION 1: Fixed obligations tabs (Housing · Insurance · Debts)
   OPTION 3: Collapsible accordions for optional sections
   ─────────────────────────────────────────────────────────────────────────── */

/* ── Tab bar ─────────────────────────────────────────────────────────────── */
.fo-tabs {
  display: flex;
  gap: 4px;
  margin-bottom: 1rem;
  border-bottom: 0.5px solid var(--bdr);
  padding-bottom: 0;
}
.fo-tab {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 6px 14px;
  font-size: 12px;
  font-weight: 400;
  color: var(--txt2);
  background: none;
  border: none;
  border-bottom: 2px solid transparent;
  cursor: pointer;
  border-radius: 0;
  transition: color 0.15s, border-color 0.15s;
  margin-bottom: -0.5px;
}
.fo-tab:hover { color: var(--txt); }
.fo-tab.active {
  color: #993C1D;
  border-bottom-color: #D85A30;
  font-weight: 500;
}
.fo-tab svg { flex-shrink: 0; }
.fo-panel { animation: fadeIn 0.15s ease; }

/* ── Accordion: full-section collapsible ──────────────────────────────────── */
.acc-sec { padding-bottom: 0; overflow: hidden; }
.acc-header {
  cursor: pointer;
  padding-bottom: 1.25rem;
  user-select: none;
}
.acc-header:hover .st { opacity: 0.8; }
.acc-right {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
}
.acc-chevron {
  font-size: 11px;
  color: var(--txt3);
  flex-shrink: 0;
  transition: transform 0.2s;
  display: inline-block;
  width: 14px;
  text-align: center;
}
.acc-body {
  border-top: 0.5px solid var(--bdr);
  padding-top: 1rem;
  padding-bottom: 1.25rem;
  animation: fadeIn 0.15s ease;
}

/* ── Accordion: sub-section inside retirement card ──────────────────────── */
.acc-subsec { border-top: 0.5px solid var(--bdr); margin-top: 1.25rem; padding-top: 0; }
.acc-subheader {
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  padding: 0.875rem 0;
  user-select: none;
}
.acc-subheader:hover .ret-subsec-title { opacity: 0.8; }
.acc-subsec .acc-body {
  border-top: 0.5px solid var(--bdr);
  padding-top: 0;
  padding-bottom: 0.25rem;
}

@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }

/* ── Mobile tweaks for new elements ──────────────────────────────────────── */
@media (max-width: 600px) {
  .fo-tabs { overflow-x: auto; }
  .fo-tab  { white-space: nowrap; padding: 6px 10px; }
  .acc-right .sec-total-pill { display: none; }
}

/* ───────────────────────────────────────────────────────────────────────────
   ACCORDION TOGGLE BUTTON  (fixes invisible chevron UX)
   OPTION 2: Side-by-side Profile + Expense Summary
   OPTION 5: Compact retirement card
   ─────────────────────────────────────────────────────────────────────────── */

/* ── Accordion toggle button — replaces invisible ⸗ char ──────────────── */
.acc-toggle-btn {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 10px 4px 8px;
  border-radius: 6px;
  border: 0.5px solid var(--bdr2);
  background: var(--bg2);
  color: var(--txt2);
  font-size: 11px;
  font-weight: 500;
  white-space: nowrap;
  flex-shrink: 0;
  transition: background 0.15s, border-color 0.15s;
  cursor: pointer;
  user-select: none;
}
.acc-toggle-btn:hover {
  background: var(--bg3);
  border-color: var(--bdr2);
  color: var(--txt);
}
.acc-toggle-btn.open {
  background: var(--blue-lt);
  border-color: #B5D4F4;
  color: var(--blue-dk);
}
.acc-toggle-icon {
  flex-shrink: 0;
  transition: transform 0.2s ease;
}
.acc-toggle-btn.open .acc-toggle-icon {
  transform: rotate(180deg);
}

/* Smaller variant for sub-section accordions */
.acc-toggle-btn-sm {
  padding: 3px 8px 3px 7px;
  font-size: 10.5px;
  border-radius: 5px;
}

/* Header hover: whole row gets a subtle bg when cursor moves over */
.acc-header:hover { background: var(--bg2); border-radius: var(--radius-lg); }
.acc-subheader:hover { background: var(--bg2); border-radius: var(--radius); margin: 0 -4px; padding-left: 4px; padding-right: 4px; }

/* ── Side-by-side pair (Option 2) ──────────────────────────────────────── */
.side-pair {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  align-items: start;
  margin-bottom: 0;
}
.side-pair > .sec { margin-bottom: 0; }

/* Profile stays compact, expense summary fills height */
.side-pair-aside { height: 100%; }

/* ── Compact retirement card tweaks (Option 5) ──────────────────────────── */
/* acc-subsec inside retirement already handled — just ensure smooth animation */
.acc-body { overflow: hidden; }

/* ── Mobile adjustments ──────────────────────────────────────────────────── */
@media (max-width: 700px) {
  .side-pair { grid-template-columns: 1fr; }
  .acc-toggle-label { display: none; }          /* icon-only on mobile */
  .acc-toggle-btn { padding: 4px 8px; }
  .acc-toggle-btn-sm { padding: 3px 6px; }
}

/* ───────────────────────────────────────────────────────────────────────────
   Segmented pill tab selector (Fixed obligations)
   Budget bar expense breakdown
   Accordion open-by-default for Income / Expenses / Investments
   ─────────────────────────────────────────────────────────────────────────── */

/* ── Segmented pill tab bar — replaces thin underline tabs ──────────────── */
.fo-seg {
  display: flex;
  gap: 0;
  margin-bottom: 1.25rem;
  background: var(--bg3);
  border: 0.5px solid var(--bdr2);
  border-radius: 10px;
  padding: 3px;
}
.fo-seg-btn {
  flex: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 8px 10px;
  font-size: 12px;
  font-weight: 500;
  color: var(--txt2);
  background: none;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  transition: background 0.15s, color 0.15s, box-shadow 0.15s;
  white-space: nowrap;
}
.fo-seg-btn:hover:not(.active) {
  background: var(--bg2);
  color: var(--txt);
}
.fo-seg-btn.active {
  background: var(--bg);
  color: #993C1D;
  box-shadow: 0 1px 4px rgba(0,0,0,0.1);
  font-weight: 600;
}
.fo-seg-btn svg { flex-shrink: 0; }
.fo-tab-amt {
  font-size: 10px;
  font-weight: 400;
  color: var(--txt2);
  margin-left: 3px;
  white-space: nowrap;
}
.fo-seg-btn.active .fo-tab-amt { color: #7A3018; }

/* ── Budget bar: expense breakdown ──────────────────────────────────────── */
.bb-breakdown {
  margin-top: 10px;
  padding-top: 8px;
  border-top: 0.5px solid var(--bdr);
}
.bb-breakdown-toggle {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 11px;
  color: var(--txt2);
  background: none;
  border: none;
  cursor: pointer;
  padding: 2px 0;
  font-weight: 500;
  transition: color 0.15s;
}
.bb-breakdown-toggle:hover { color: var(--txt); }
.bb-breakdown-toggle svg { transition: transform 0.2s ease; flex-shrink: 0; }
.bb-breakdown-body {
  margin-top: 10px;
  animation: fadeIn 0.15s ease;
}

/* ── acc-body open by default — remove display:none block for income/exp/inv */
/* These are rendered open (no display:none), CSS handles the open chevron */
#acc-body-income,
#acc-body-expenses,
#acc-body-investments {
  border-top: 0.5px solid var(--bdr);
  padding-top: 0;
}

/* ── Mobile ──────────────────────────────────────────────────────────────── */
@media (max-width: 600px) {
  .fo-seg { flex-direction: column; }
  .fo-seg-btn { justify-content: flex-start; }
}

/* ═══════════════════════════════════════════════════════════════════════════
   CONCEPT D — Results section redesign
   ═══════════════════════════════════════════════════════════════════════════ */

/* ── Hero verdict strip ─────────────────────────────────────────────────── */
.res-hero {
  border-radius: var(--radius-lg);
  padding: 16px 18px;
  margin-bottom: 12px;
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: start;
  gap: 16px;
  border: 0.5px solid;
}
.res-hero-ok   { background: var(--green-lt); border-color: var(--green-bd); }
.res-hero-fail { background: var(--red-lt);   border-color: var(--red-bd); }

.res-hero-eyebrow {
  font-size: 10px; font-weight: 500; text-transform: uppercase;
  letter-spacing: .06em; margin-bottom: 5px;
}
.res-hero-ok   .res-hero-eyebrow { color: var(--green); }
.res-hero-fail .res-hero-eyebrow { color: var(--red); }

.res-hero-verdict { font-size: 17px; font-weight: 500; line-height: 1.35; margin-bottom: 6px; }
.res-hero-ok   .res-hero-verdict { color: #27500A; }
.res-hero-fail .res-hero-verdict { color: #791F1F; }

.res-hero-body { font-size: 12px; line-height: 1.6; }
.res-hero-ok   .res-hero-body { color: var(--green); }
.res-hero-fail .res-hero-body { color: var(--red); }

.res-hero-right { text-align: right; flex-shrink: 0; padding-top: 2px; }
.res-hero-bignum { font-size: 28px; font-weight: 500; line-height: 1; }
.res-hero-bignum-ok   { color: #27500A; }
.res-hero-bignum-fail { color: #791F1F; }
.res-hero-bignum-label { font-size: 10px; margin-top: 4px; }
.res-hero-ok   .res-hero-bignum-label { color: var(--green); }
.res-hero-fail .res-hero-bignum-label { color: var(--red); }

/* ── Action strip (failure only) ────────────────────────────────────────── */
.res-action-strip {
  background: var(--red-lt); border: 0.5px solid var(--red-bd);
  border-radius: var(--radius); padding: 10px 14px; margin-bottom: 12px;
}
.res-action-title { font-size: 12px; font-weight: 500; color: #791F1F; margin-bottom: 4px; }
.res-action-body  { font-size: 11px; color: var(--red); line-height: 1.6; }

/* ── KPI row — 3 metrics ────────────────────────────────────────────────── */
.res-kpi-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin-bottom: 14px;
}

/* ── Two-model cards ────────────────────────────────────────────────────── */
.res-model-label {
  font-size: 10px; font-weight: 500; text-transform: uppercase;
  letter-spacing: .06em; color: var(--txt2); margin-bottom: 8px;
}
.res-model-row { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-bottom: 14px; }
.res-model-card {
  border-radius: var(--radius); padding: 12px 14px; border: 0.5px solid;
}
.res-model-card-ok      { background: var(--green-lt); border-color: var(--green-bd); }
.res-model-card-fail    { background: var(--red-lt);   border-color: var(--red-bd); }
.res-model-card-neutral { background: var(--bg3);      border-color: var(--bdr); }

.res-model-badge {
  display: inline-flex; font-size: 10px; font-weight: 500;
  padding: 2px 7px; border-radius: 20px; margin-bottom: 6px;
}
.res-model-badge-ok      { background: var(--green); color: #fff; }
.res-model-badge-fail    { background: var(--red);   color: #fff; }
.res-model-badge-neutral { background: #5a5a55;      color: #fff; }

.res-model-num { font-size: 17px; font-weight: 500; margin-bottom: 3px; }
.res-model-num-ok      { color: #27500A; }
.res-model-num-fail    { color: #791F1F; }
.res-model-num-neutral { color: var(--txt); }

.res-model-title { font-size: 11px; font-weight: 500; margin-bottom: 4px; }
.res-model-card-ok      .res-model-title { color: #27500A; }
.res-model-card-fail    .res-model-title { color: #791F1F; }
.res-model-card-neutral .res-model-title { color: var(--txt2); }

.res-model-body { font-size: 11px; line-height: 1.5; }
.res-model-card-ok      .res-model-body { color: var(--green); }
.res-model-card-fail    .res-model-body { color: var(--red); }
.res-model-card-neutral .res-model-body { color: var(--txt2); }

/* ── Runway bars ────────────────────────────────────────────────────────── */
.res-runway-wrap { margin-bottom: 14px; display: flex; flex-direction: column; gap: 8px; }
.res-runway-header {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 4px; font-size: 11px;
}
.res-runway-label { color: var(--txt2); }
.res-runway-val   { font-weight: 500; font-size: 11px; }
.res-runway-val-neutral { color: var(--txt2); font-weight: 400; }
.res-runway-track {
  height: 14px; background: var(--bg3); border-radius: var(--radius);
  overflow: hidden; border: 0.5px solid var(--bdr);
}
.res-runway-fill {
  height: 100%; border-radius: var(--radius) 0 0 var(--radius);
  transition: width .4s ease; min-width: 0;
}
.res-runway-fill-neutral { }

/* ── Insights list ──────────────────────────────────────────────────────── */
.res-insights-label {
  font-size: 10px; font-weight: 500; text-transform: uppercase;
  letter-spacing: .06em; color: var(--txt2); margin-bottom: 8px;
}
.res-insights { margin-bottom: 14px; }
.res-insight {
  display: flex; gap: 10px; padding: 7px 0;
  border-bottom: 0.5px solid var(--bdr);
}
.res-insight:last-child { border-bottom: none; }
.res-insight-dot {
  width: 8px; height: 8px; border-radius: 50%;
  flex-shrink: 0; margin-top: 4px;
}
.res-insight-title {
  font-size: 12px; font-weight: 500; color: var(--txt); margin-bottom: 2px;
}
.res-insight-body { font-size: 11px; color: var(--txt2); line-height: 1.5; }

/* ── Unified chart panel ────────────────────────────────────────────────── */
.res-chart-panel { padding: 0 !important; overflow: hidden; }

.res-tab-nav {
  display: grid; grid-template-columns: repeat(3, 1fr);
  border-bottom: 0.5px solid var(--bdr);
}
.res-tab {
  display: flex; flex-direction: column; align-items: center;
  padding: 10px 8px; border: none; border-right: 0.5px solid var(--bdr);
  background: var(--bg2); cursor: pointer; transition: background .15s;
}
.res-tab:last-child { border-right: none; }
.res-tab:hover:not(.on) { background: var(--bg3); }
.res-tab.on { background: var(--bg); }
.res-tab-title {
  font-size: 12px; font-weight: 500; color: var(--txt2);
  transition: color .15s;
}
.res-tab.on .res-tab-title { color: var(--blue); }
.res-tab-sub { font-size: 10px; color: var(--txt2); margin-top: 2px; }

.res-panel-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 10px 12px; border-bottom: 0.5px solid var(--bdr);
  background: var(--bg2);
}
.res-panel-hint { font-size: 11px; color: var(--txt2); line-height: 1.5; flex: 1; margin-right: 12px; }

.res-ct-toggle {
  display: flex; gap: 0; border: 0.5px solid var(--bdr2);
  border-radius: var(--radius); overflow: hidden; flex-shrink: 0;
}
.res-ct-btn {
  font-size: 11px; padding: 4px 14px; border: none;
  background: var(--bg); color: var(--txt2); cursor: pointer;
  border-right: 0.5px solid var(--bdr2); transition: background .15s;
}
.res-ct-btn:last-child { border-right: none; }
.res-ct-btn.on { background: var(--blue); color: #fff; }

.res-section { display: none; padding: 12px; }
.res-section.on { display: block; }

/* ── Assumptions toggle at bottom of panel ──────────────────────────────── */
.res-assum-wrap {
  border-top: 0.5px solid var(--bdr); padding: 0;
}
.res-assum-btn {
  width: 100%; padding: 10px 12px; border: none; background: var(--bg2);
  color: var(--txt2); font-size: 11px; font-weight: 500; text-align: left;
  cursor: pointer; display: flex; justify-content: space-between; align-items: center;
  transition: background .15s;
}
.res-assum-btn:hover { background: var(--bg3); }
.res-assum-arrow { transition: transform .2s ease; flex-shrink: 0; }
.res-assum-body > div:nth-child(even) { background: var(--bg2); }

/* ── Mobile ─────────────────────────────────────────────────────────────── */
@media (max-width: 600px) {
  .res-hero         { grid-template-columns: 1fr; }
  .res-hero-right   { display: none; }
  .res-model-row    { grid-template-columns: 1fr; }
  .res-kpi-row      { grid-template-columns: 1fr 1fr; }
  .res-tab-sub      { display: none; }
}