/* ─────────────────────────────────────────────────────────
   medicaresurcharge.com — IRMAA calculator
   ───────────────────────────────────────────────────────── */

:root {
  --paper:       #F6F2EA;
  --paper-2:     #EFE9DC;   /* card edge / hairline panels */
  --paper-3:     #E7DFCD;   /* deep panel */
  --ink:         #141821;
  --ink-2:       #3B414E;
  --ink-3:       #6B7280;
  --hairline:    #D9D1BD;
  --hairline-2:  #C8BFA6;

  --forest:      oklch(0.42 0.06 165);   /* "safe" accent */
  --forest-soft: oklch(0.42 0.06 165 / 0.10);
  --warn:        oklch(0.6  0.16 35);    /* "cliff" accent */
  --warn-soft:   oklch(0.6  0.16 35 / 0.10);
  --warn-deep:   oklch(0.48 0.16 35);

  --serif:  "Source Serif 4", "Source Serif Pro", Georgia, serif;
  --sans:   "Public Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --mono:   "JetBrains Mono", ui-monospace, "SF Mono", Menlo, monospace;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  background: var(--paper);
  color: var(--ink);
  font: 17px/1.55 var(--sans);
  font-feature-settings: "ss01", "cv11";
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
.num { font-variant-numeric: tabular-nums; }
.mono { font-family: var(--mono); }
.serif { font-family: var(--serif); }

a { color: var(--forest); text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: var(--ink); }

/* ─── Layout shell ─────────────────────────────────────── */
.shell { max-width: 1240px; margin: 0 auto; padding: 0 32px; }

.topbar {
  border-bottom: 1px solid var(--hairline);
  background: var(--paper);
  position: sticky; top: 0; z-index: 50;
  backdrop-filter: blur(8px);
  background: color-mix(in oklab, var(--paper) 88%, transparent);
}
.topbar .inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 60px;
}
.brand {
  display: flex; align-items: center; gap: 12px;
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 500;
  color: var(--ink);
  letter-spacing: -0.012em;
  text-decoration: none;
}
.brand-mark {
  width: 30px; height: 30px; border-radius: 6px;
  background: var(--ink);
  color: var(--paper);
  display: grid; place-items: center;
  font-family: var(--serif);
  font-weight: 700;
  font-size: 15px;
  letter-spacing: -0.02em;
}
.topnav {
  display: flex; gap: 28px;
  font-size: 14px;
  color: var(--ink-2);
}
.topnav a { color: var(--ink-2); text-decoration: none; }
.topnav a:hover { color: var(--ink); }
.updated-pill {
  font-size: 12px;
  color: var(--ink-3);
  display: inline-flex; align-items: center; gap: 6px;
}
.updated-pill .dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--forest);
}

/* ─── Hero ─────────────────────────────────────────────── */
.hero { padding: 56px 0 36px; }
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr);
  gap: 56px;
  align-items: start;
}
.hero-copy { min-width: 0; }
.hero-art {
  margin: 0;
  position: relative;
  border-radius: 14px;
  overflow: hidden;
  aspect-ratio: 7 / 6;
  background: var(--paper-2);
  box-shadow: 0 1px 0 var(--hairline), 0 24px 48px -28px rgba(20, 24, 33, 0.35);
}
.hero-art img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  /* Subtle warm tone so the photo sits in the cream palette */
  filter: saturate(0.92) contrast(1.02);
}
@media (max-width: 880px) {
  .hero-grid { grid-template-columns: 1fr; gap: 28px; }
  .hero-art { aspect-ratio: 16 / 10; order: -1; }
}
.hero-grid > .hero-strip { grid-column: 1 / -1; }
.eyebrow {
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--ink-3);
  margin-bottom: 14px;
}
h1.hero-title {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 54px;
  line-height: 1.05;
  letter-spacing: -0.02em;
  margin: 0 0 18px;
  max-width: 18ch;
  color: var(--ink);
  text-wrap: balance;
}
h1.hero-title em {
  font-style: italic;
  color: var(--ink-2);
}
.hero-sub {
  font-size: 18px;
  color: var(--ink-2);
  max-width: 64ch;
  margin: 0;
  text-wrap: pretty;
}
.hero-strip {
  display: flex; gap: 32px; margin-top: 10px;
  justify-content: center;
  font-size: 13px; color: var(--ink-3);
  border-top: 1px solid var(--hairline);
  padding-top: 16px;
}
.hero-strip > div { display: flex; align-items: center; gap: 8px; }
.hero-strip b { color: var(--ink); font-weight: 600; }

/* ─── Calculator card ──────────────────────────────────── */
.calc {
  display: grid;
  grid-template-columns: 5fr 6fr;
  gap: 0;
  background: #FBF7EF;
  border: 1px solid var(--hairline);
  border-radius: 6px;
  overflow: hidden;
  margin-top: 8px;
  box-shadow:
    0 1px 0 rgba(255,255,255,0.6) inset,
    0 1px 2px rgba(20,24,33,0.04),
    0 24px 48px -32px rgba(20,24,33,0.18);
}
.calc-inputs {
  padding: 36px 36px 32px;
  border-right: 1px solid var(--hairline);
  background:
    radial-gradient(120% 80% at 0% 0%, rgba(20,24,33,0.025), transparent 60%),
    #FBF7EF;
}
.calc-results {
  padding: 36px 36px 32px;
  background: var(--paper);
  position: relative;
}

.section-eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 22px;
  display: flex; align-items: center; justify-content: space-between;
}
.section-eyebrow .right { font-weight: 400; color: var(--ink-3); letter-spacing: 0; text-transform: none; }

/* Input fields */
.field { margin-bottom: 22px; }
.field-label {
  display: flex; justify-content: space-between; align-items: baseline;
  margin-bottom: 8px;
}
.field-label label {
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: -0.005em;
}
.tip {
  font-size: 12px;
  color: var(--ink-3);
  cursor: help;
  border-bottom: 1px dotted var(--ink-3);
}

/* Segmented control for filing status */
.seg {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  background: var(--paper);
  border: 1px solid var(--hairline);
  border-radius: 4px;
  padding: 3px;
  gap: 2px;
}
.seg button {
  appearance: none;
  background: transparent;
  border: 0;
  font: inherit;
  font-size: 13px;
  font-weight: 500;
  color: var(--ink-2);
  padding: 9px 8px;
  border-radius: 3px;
  cursor: pointer;
  letter-spacing: -0.005em;
  transition: background 120ms, color 120ms;
}
.seg button:hover { color: var(--ink); }
.seg button[aria-pressed="true"] {
  background: var(--ink);
  color: var(--paper);
  box-shadow: 0 1px 2px rgba(20,24,33,0.15);
}

/* Money input */
.money-input {
  position: relative;
  display: flex; align-items: stretch;
}
.money-input .prefix {
  display: grid; place-items: center;
  width: 36px;
  font-family: var(--serif);
  font-size: 22px;
  color: var(--ink-3);
  background: var(--paper);
  border: 1px solid var(--hairline);
  border-right: 0;
  border-radius: 4px 0 0 4px;
}
.money-input input {
  flex: 1;
  font: 500 24px/1 var(--sans);
  font-variant-numeric: tabular-nums;
  color: var(--ink);
  background: var(--paper);
  border: 1px solid var(--hairline);
  padding: 12px 14px;
  border-radius: 0 4px 4px 0;
  outline: none;
  letter-spacing: -0.005em;
  width: 100%;
}
.money-input input:focus { border-color: var(--ink); }
.money-input .prefix.focused { border-color: var(--ink); }

.field-help {
  font-size: 12px;
  color: var(--ink-3);
  margin-top: 6px;
}

/* Year picker (compact segmented) */
.year-seg {
  display: inline-flex;
  background: var(--paper);
  border: 1px solid var(--hairline);
  border-radius: 4px;
  padding: 3px;
  gap: 2px;
}
.year-seg button {
  appearance: none; background: transparent; border: 0;
  font: 500 13px var(--sans);
  color: var(--ink-2);
  padding: 7px 14px;
  border-radius: 3px;
  cursor: pointer;
}
.year-seg button[aria-pressed="true"] {
  background: var(--ink);
  color: var(--paper);
}
.projected-flag {
  display: inline-block;
  margin-left: 8px;
  font-size: 11px;
  color: var(--warn-deep);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

/* What-if Roth conversion slider */
.whatif {
  margin-top: 8px;
  padding: 18px 0 0;
  border-top: 1px dashed var(--hairline);
}
.whatif-head {
  display: flex; justify-content: space-between; align-items: baseline;
  font-size: 13px; color: var(--ink-2);
  margin-bottom: 12px;
}
.whatif-head .val {
  font-family: var(--serif);
  font-size: 22px;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.01em;
}
.whatif input[type=range] {
  width: 100%;
  appearance: none;
  background: transparent;
  height: 24px;
  cursor: pointer;
}
.whatif input[type=range]::-webkit-slider-runnable-track {
  height: 4px;
  background: var(--hairline);
  border-radius: 2px;
}
.whatif input[type=range]::-webkit-slider-thumb {
  appearance: none;
  width: 18px; height: 18px;
  background: var(--ink);
  border-radius: 50%;
  margin-top: -7px;
  border: 3px solid var(--paper);
  box-shadow: 0 0 0 1px var(--hairline-2);
}
.whatif input[type=range]::-moz-range-track {
  height: 4px;
  background: var(--hairline);
  border-radius: 2px;
}
.whatif input[type=range]::-moz-range-thumb {
  width: 12px; height: 12px;
  background: var(--ink);
  border-radius: 50%;
  border: 3px solid var(--paper);
  box-shadow: 0 0 0 1px var(--hairline-2);
}
.whatif-tick-row {
  display: flex; justify-content: space-between;
  font-size: 11px; color: var(--ink-3);
  margin-top: 4px;
  font-variant-numeric: tabular-nums;
}

/* ─── Results panel ────────────────────────────────────── */
.result-headline {
  font-family: var(--serif);
  font-size: 13px;
  color: var(--ink-3);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.result-bracket {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 30px;
  line-height: 1.15;
  letter-spacing: -0.015em;
  color: var(--ink);
  margin: 6px 0 4px;
}
.bracket-tier {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 3px 9px;
  border-radius: 999px;
  background: var(--paper-2);
  border: 1px solid var(--hairline);
  font-size: 12px;
  color: var(--ink-2);
  font-variant-numeric: tabular-nums;
}
.bracket-tier .dot {
  width: 7px; height: 7px; border-radius: 50%;
  background: var(--ink-2);
}
.tier-0 .dot { background: var(--forest); }
.tier-1 .dot { background: oklch(0.55 0.10 95); }
.tier-2 .dot { background: oklch(0.62 0.13 65); }
.tier-3 .dot { background: oklch(0.62 0.14 45); }
.tier-4 .dot { background: oklch(0.58 0.15 25); }
.tier-5 .dot { background: var(--warn-deep); }

.figure-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: var(--hairline);
  border: 1px solid var(--hairline);
  border-radius: 4px;
  overflow: hidden;
  margin-top: 22px;
}
.figure {
  background: var(--paper);
  padding: 18px 20px 16px;
}
.figure .lbl {
  font-size: 12px;
  color: var(--ink-3);
  letter-spacing: -0.005em;
  margin-bottom: 8px;
}
.figure .val {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 32px;
  line-height: 1;
  letter-spacing: -0.02em;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
}
.figure .val .cents {
  font-size: 18px;
  color: var(--ink-3);
  letter-spacing: 0;
}
.figure .val .per { font-size: 14px; color: var(--ink-3); font-family: var(--sans); margin-left: 4px; }
.figure .sub {
  font-size: 12px;
  color: var(--ink-3);
  margin-top: 6px;
}
.figure.is-baseline .val { color: var(--ink); }
.figure.is-surcharge .val { color: var(--warn-deep); }
.figure.is-zero      .val { color: var(--forest); }

.annual-callout {
  margin-top: 18px;
  padding: 16px 20px;
  border-radius: 4px;
  background: var(--ink);
  color: var(--paper);
  display: flex; align-items: baseline; justify-content: space-between;
  gap: 16px;
}
.annual-callout .lbl {
  font-size: 13px; opacity: 0.7;
  letter-spacing: -0.005em;
}
.annual-callout .val {
  font-family: var(--serif);
  font-size: 36px;
  font-weight: 500;
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
}
.annual-callout.is-zero { background: var(--forest); }
.annual-callout .hh { font-size: 11px; opacity: 0.6; letter-spacing: 0.06em; text-transform: uppercase; }

/* Cliff distance card */
.cliff-card {
  margin-top: 18px;
  padding: 18px 20px;
  border: 1px solid var(--hairline);
  border-radius: 4px;
  background: var(--paper);
}
.cliff-card .row {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: baseline;
  gap: 14px;
}
.cliff-card + .cliff-card { margin-top: 8px; }
.cliff-card .lbl {
  font-size: 13px; color: var(--ink-2);
  letter-spacing: -0.005em;
}
.cliff-card .lbl b { font-weight: 600; color: var(--ink); }
.cliff-card .figs {
  text-align: right;
  font-variant-numeric: tabular-nums;
}
.cliff-card .figs .big {
  font-family: var(--serif);
  font-size: 22px;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.cliff-card .figs .small {
  font-size: 12px; color: var(--ink-3);
}
.cliff-card.is-warn { background: var(--warn-soft); border-color: oklch(0.6 0.16 35 / 0.3); }
.cliff-card.is-warn .lbl b { color: var(--warn-deep); }
.cliff-card.is-good { background: var(--forest-soft); border-color: oklch(0.42 0.06 165 / 0.3); }

/* ─── Staircase chart ──────────────────────────────────── */
.chart-panel {
  margin-top: 28px;
  background: #FBF7EF;
  border: 1px solid var(--hairline);
  border-radius: 6px;
  padding: 30px 32px 26px;
  box-shadow:
    0 1px 0 rgba(255,255,255,0.6) inset,
    0 1px 2px rgba(20,24,33,0.04);
}
.chart-head {
  display: flex; justify-content: space-between; align-items: baseline;
  margin-bottom: 18px;
  flex-wrap: wrap; gap: 12px;
}
.chart-head h3 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 24px;
  letter-spacing: -0.015em;
  margin: 0;
}
.chart-head .legend {
  display: flex; gap: 18px; font-size: 12px; color: var(--ink-3);
}
.chart-head .legend .sw { display: inline-block; width: 14px; height: 4px; vertical-align: middle; margin-right: 6px; }
.legend .sw.line { background: var(--ink); height: 2px; }
.legend .sw.you  { background: var(--warn); }
.legend .sw.cur  { background: oklch(0.62 0.14 45 / 0.3); height: 12px; vertical-align: -1px; }

.chart-svg-wrap { width: 100%; overflow: visible; }
.chart-svg { width: 100%; height: auto; display: block; }

.chart-foot {
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid var(--hairline);
  font-size: 13px; color: var(--ink-3);
  display: flex; justify-content: space-between; gap: 16px;
}

/* ─── Action bar ───────────────────────────────────────── */
.actions {
  margin-top: 22px;
  display: flex; gap: 10px; align-items: center; flex-wrap: wrap;
}
.btn {
  appearance: none;
  background: var(--ink);
  color: var(--paper);
  border: 1px solid var(--ink);
  font: 500 14px var(--sans);
  letter-spacing: -0.005em;
  padding: 11px 18px;
  border-radius: 4px;
  cursor: pointer;
  display: inline-flex; align-items: center; gap: 8px;
}
.btn:hover { background: var(--ink-2); border-color: var(--ink-2); }
.btn.ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--hairline-2);
}
.btn.ghost:hover { background: var(--paper-2); }
.disclaimer-inline {
  font-size: 12px; color: var(--ink-3); margin-left: auto;
}

/* ─── Ad slots ─────────────────────────────────────────── */
.ad {
  margin: 56px auto;
  border: 1px dashed var(--hairline-2);
  background: repeating-linear-gradient(
    45deg,
    rgba(20,24,33,0.02),
    rgba(20,24,33,0.02) 8px,
    transparent 8px,
    transparent 16px
  );
  color: var(--ink-3);
  font: 11px/1 var(--mono);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  display: grid; place-items: center;
  position: relative;
}
.ad::before {
  content: "Advertisement";
  position: absolute; top: 6px; left: 50%; transform: translateX(-50%);
  font-size: 9px; color: var(--ink-3);
  background: var(--paper); padding: 0 6px;
}
.ad.leaderboard { height: 110px; max-width: 970px; }
.ad.inline      { height: 280px; max-width: 728px; }
.ad.sidebar     { height: 250px; width: 300px; }

/* ─── Palette picker (in Tweaks panel) ─────────────────── */
.palette-picker {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 6px;
  width: 100%;
}
.pp-swatch {
  appearance: none;
  background: transparent;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 6px;
  padding: 4px 4px 5px;
  cursor: pointer;
  display: flex; flex-direction: column; gap: 4px;
  text-align: left;
  font: inherit;
  transition: border-color 120ms, transform 120ms;
}
.pp-swatch:hover { border-color: rgba(0,0,0,0.25); }
.pp-swatch.is-active {
  border-color: #29261b;
  box-shadow: 0 0 0 1px #29261b;
}
.pp-bg {
  position: relative;
  display: block;
  height: 32px;
  border-radius: 3px;
  border: 1px solid rgba(0,0,0,0.06);
  overflow: hidden;
}
.pp-ink, .pp-accent, .pp-warn {
  position: absolute;
  bottom: 4px;
  width: 8px; height: 8px;
  border-radius: 50%;
  box-shadow: 0 0 0 1px rgba(255,255,255,0.5);
}
.pp-ink    { right: 26px; }
.pp-accent { right: 14px; }
.pp-warn   { right:  4px; }
.pp-name {
  font-size: 10.5px;
  font-weight: 500;
  color: rgba(41,38,27,0.85);
  letter-spacing: -0.005em;
  padding: 0 2px;
}
/* ─── Tabbed sections ──────────────────────────────────── */
.tabs-wrap {
  border-top: 1px solid var(--hairline);
  border-bottom: 1px solid var(--hairline);
  background: var(--paper);
  margin-top: 56px;
  scroll-margin-top: 72px;
}
.tabs {
  display: flex;
  gap: 0;
  overflow-x: auto;
  scrollbar-width: none;
}
.tabs::-webkit-scrollbar { display: none; }
.tab {
  appearance: none;
  background: transparent;
  border: 0;
  border-bottom: 2px solid transparent;
  font-family: var(--serif);
  font-size: 17px;
  font-weight: 500;
  letter-spacing: -0.005em;
  color: var(--ink-3);
  padding: 18px 4px 16px;
  margin-right: 32px;
  cursor: pointer;
  white-space: nowrap;
  transition: color 120ms, border-color 120ms;
  position: relative;
}
.tab:hover { color: var(--ink-2); }
.tab.is-active { color: var(--ink); border-bottom-color: var(--ink); }
.tab.is-active::after {
  content: "";
  position: absolute; left: 0; right: 0; bottom: -2px;
  height: 2px;
  background: var(--ink);
}

.tab-panel { padding: 40px 0 24px; }
.tab-panel .explainer:first-of-type { padding-top: 8px; }

/* ─── Bracket reference, full ──────────────────────────── */
.bracket-table-full { font-size: 13px; }
.bracket-table-full td .muted { color: var(--ink-3); opacity: 0.5; }

/* ─── Projection note (inside brackets section) ────────── */
.projection-note {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 16px;
  align-items: start;
  margin: 18px 0 6px;
  padding: 16px 20px;
  background: var(--warn-soft);
  border: 1px solid oklch(0.6 0.16 35 / 0.25);
  border-radius: 4px;
}
.projection-note .tag {
  font-family: var(--mono);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--warn-deep);
  background: var(--paper);
  border: 1px solid oklch(0.6 0.16 35 / 0.3);
  padding: 4px 9px;
  border-radius: 3px;
  white-space: nowrap;
  align-self: start;
}
.projection-note p {
  margin: 0;
  font-size: 14px;
  line-height: 1.55;
  color: var(--ink);
}
.projection-note strong { color: var(--ink); font-weight: 600; }

/* ─── Strategy grid ────────────────────────────────────── */
.strategies-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 28px;
}
.strategy-card {
  background: #FBF7EF;
  border: 1px solid var(--hairline);
  border-radius: 6px;
  padding: 24px 26px 22px;
  position: relative;
}
.strategy-tag {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 14px;
}
.strategy-card h3 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 22px;
  letter-spacing: -0.015em;
  line-height: 1.2;
  margin: 0 0 12px;
  color: var(--ink);
  text-wrap: balance;
}
.strategy-card .body { font-size: 15px; line-height: 1.55; color: var(--ink-2); }
.strategy-card .body p { margin: 0 0 10px; }
.strategy-card .body p:last-child { margin: 0; }
.strategy-card .body strong { color: var(--ink); font-weight: 600; }

@media (max-width: 880px) {
  .strategies-grid { grid-template-columns: 1fr; }
  .tabs-wrap { position: static; }
}

.explainer { padding: 24px 0 56px; scroll-margin-top: 72px; }
#calculator, #brackets, #faq { scroll-margin-top: 72px; }
.explainer .grid {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 56px;
  align-items: start;
}
.explainer h2 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 36px;
  letter-spacing: -0.02em;
  line-height: 1.1;
  margin: 0;
  color: var(--ink);
  position: sticky; top: 84px;
  text-wrap: balance;
}
.explainer h2 .num {
  display: block;
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-family: var(--sans);
  font-weight: 500;
  margin-bottom: 12px;
}
.explainer .body {
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink-2);
  max-width: 64ch;
}
.explainer .body p { margin: 0 0 16px; text-wrap: pretty; }
.explainer .body p:last-child { margin-bottom: 0; }
.explainer .body strong { color: var(--ink); font-weight: 600; }
.explainer .body .pullout {
  margin: 20px 0;
  padding: 16px 22px;
  border-left: 3px solid var(--warn);
  background: var(--warn-soft);
  font-family: var(--serif);
  font-size: 22px;
  line-height: 1.35;
  color: var(--ink);
  font-style: italic;
  letter-spacing: -0.005em;
}
.explainer + .explainer { border-top: 1px solid var(--hairline); }

/* Mini bracket reference table inside explainer */
.bracket-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
  margin: 8px 0 6px;
  font-variant-numeric: tabular-nums;
}
.bracket-table th, .bracket-table td {
  text-align: left;
  padding: 9px 10px;
  border-bottom: 1px solid var(--hairline);
}
.bracket-table th {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--ink-3);
}
.bracket-table td.num, .bracket-table th.num { text-align: right; }
.bracket-table tr.current td {
  background: var(--forest-soft);
}

/* ─── FAQ ──────────────────────────────────────────────── */
.faq { padding: 40px 0 80px; border-top: 1px solid var(--hairline); }
.faq-head {
  display: grid; grid-template-columns: 240px 1fr; gap: 56px;
  margin-bottom: 24px;
}
.faq-head h2 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 36px;
  letter-spacing: -0.02em;
  margin: 0;
}
.faq-head p { font-size: 16px; color: var(--ink-2); max-width: 60ch; margin: 4px 0 0; }
.faq-list { border-top: 1px solid var(--hairline); }
.faq-item { border-bottom: 1px solid var(--hairline); padding: 22px 0; }
.faq-q {
  display: grid; grid-template-columns: 240px 1fr 40px; gap: 56px;
  align-items: baseline; cursor: pointer; user-select: none;
}
.faq-q .tag {
  font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--ink-3); font-weight: 500;
  align-self: start; padding-top: 6px;
}
.faq-q .q {
  font-family: var(--serif);
  font-size: 22px; line-height: 1.3;
  font-weight: 500;
  color: var(--ink);
  letter-spacing: -0.01em;
  margin: 0;
}
.faq-q .chev {
  justify-self: end; align-self: start; padding-top: 6px;
  color: var(--ink-3);
  transition: transform 200ms;
}
.faq-item[open] .faq-q .chev { transform: rotate(180deg); }
.faq-a {
  display: grid; grid-template-columns: 240px 1fr 40px; gap: 56px;
  padding-top: 14px;
}
.faq-a .body {
  grid-column: 2 / 3;
  font-size: 16px; color: var(--ink-2); line-height: 1.6;
  max-width: 60ch;
}
.faq-a .body p { margin: 0 0 10px; }
.faq-a .body p:last-child { margin: 0; }

/* ─── Cross-promo banner ───────────────────────────────── */
.cross-promo {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  padding: 28px 40px;
  margin: 56px 0;
  background: var(--paper-2);
  border: 1px solid var(--hairline);
  border-radius: 6px;
}
.cross-promo-text {
  margin: 0;
  font-family: var(--serif);
  font-size: 19px;
  line-height: 1.5;
  color: var(--ink);
  max-width: 60ch;
}
.cross-promo-cta {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 12px 20px;
  border: 1px solid var(--ink);
  color: var(--ink);
  text-decoration: none;
  font: 600 12px var(--sans);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  white-space: nowrap;
}
.cross-promo-cta:hover { background: var(--ink); color: var(--paper); }
@media (max-width: 720px) {
  .cross-promo { flex-direction: column; align-items: flex-start; padding: 24px; gap: 20px; }
  .cross-promo-text { font-size: 17px; }
}

/* ─── Footer ───────────────────────────────────────────── */
footer {
  border-top: 1px solid var(--hairline);
  padding: 56px 0;
  font-size: 14px;
  color: var(--ink-2);
}
.foot-cols {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.foot-brand .brand { margin-bottom: 14px; }
.foot-tagline {
  max-width: 38ch;
  line-height: 1.55;
  color: var(--ink-3);
  margin: 0;
}
.foot-col h3 {
  margin: 0 0 14px;
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.foot-col ul {
  list-style: none; padding: 0; margin: 0;
  display: flex; flex-direction: column; gap: 10px;
}
.foot-col a { color: var(--ink); text-decoration: none; }
.foot-col a:hover { text-decoration: underline; }
.foot-divider {
  border: 0;
  border-top: 1px solid var(--hairline);
  margin: 40px 0 24px;
}
.foot-legal {
  max-width: 84ch;
  line-height: 1.6;
  color: var(--ink-3);
  margin: 0 0 16px;
  font-size: 13px;
}
.foot-legal strong { color: var(--ink); font-weight: 600; }
.foot-bottom {
  display: flex; justify-content: space-between; align-items: baseline;
  gap: 24px;
  color: var(--ink-3);
  font-size: 13px;
}
.foot-bottom a { color: var(--ink-2); }
footer a { color: var(--ink-2); }

/* ─── Responsive ───────────────────────────────────────── */
@media (max-width: 960px) {
  .calc { grid-template-columns: 1fr; }
  .calc-inputs { border-right: 0; border-bottom: 1px solid var(--hairline); }
  .explainer .grid, .faq-head, .faq-q, .faq-a { grid-template-columns: 1fr; gap: 16px; }
  .explainer h2 { position: static; font-size: 28px; }
  h1.hero-title { font-size: 40px; }
  .shell { padding: 0 20px; }
}

/* ─── Responsive ─────────────────────────────────────── */

/* Topbar */
.topbar .inner { gap: 16px; min-width: 0; }
.brand { min-width: 0; flex-shrink: 0; }
.brand-text { white-space: nowrap; }
.brand-tld { color: var(--ink-3); }
.topnav { min-width: 0; flex: 1; justify-content: center; flex-wrap: wrap; row-gap: 4px; }
.updated-pill .dot.is-projected { background: var(--warn); }
.updated-pill { white-space: nowrap; flex-shrink: 0; }

@media (max-width: 1080px) {
  .topnav { gap: 18px; font-size: 13px; }
}
@media (max-width: 900px) {
  .topbar .inner { height: 56px; }
  .topnav { display: none; }
}
@media (max-width: 520px) {
  .updated-pill { font-size: 11px; }
  .brand { font-size: 18px; gap: 10px; }
  .brand-mark { width: 26px; height: 26px; font-size: 14px; }
  .shell { padding: 0 16px; }
}

/* Chart — horizontal scroll on mobile, min readable width */
@media (max-width: 720px) {
  .chart-svg-wrap {
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    margin: 0 -20px;
    padding: 0 20px;
    scrollbar-width: thin;
  }
  .chart-svg { min-width: 720px; }
  .chart-panel { padding: 22px 20px 18px; }
  .chart-head h3 { font-size: 19px; }
  .chart-head .legend { font-size: 11px; gap: 12px; flex-wrap: wrap; }
  .chart-foot { flex-direction: column; gap: 6px; font-size: 12px; }
}

/* Bracket table — horizontal scroll on mobile */
.bracket-table-scroll {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: thin;
  margin: 8px 0 6px;
}
.bracket-table-scroll .bracket-table { margin: 0; min-width: 600px; }
@media (max-width: 720px) {
  .bracket-table-scroll { margin-left: -20px; margin-right: -20px; padding: 0 20px; }
}

/* Chart legend ghost swatch */
.legend .sw.ghost {
  display: inline-block;
  width: 10px; height: 10px;
  border: 1.5px solid var(--ink-3);
  background: var(--paper);
  border-radius: 50%;
  vertical-align: -1px;
  margin-right: 6px;
}

/* ─── Privacy modal ──────────────────────────────────── */
.modal-scrim {
  position: fixed; inset: 0;
  background: rgba(20,24,33,0.55);
  z-index: 1000;
  display: grid; place-items: center;
  padding: 24px;
  animation: modal-fade 160ms ease-out;
  backdrop-filter: blur(2px);
}
@keyframes modal-fade { from { opacity: 0; } to { opacity: 1; } }
.modal {
  background: #FBF7EF;
  border: 1px solid var(--hairline-2);
  border-radius: 8px;
  width: min(640px, 100%);
  max-height: calc(100vh - 48px);
  display: flex; flex-direction: column;
  box-shadow:
    0 1px 0 rgba(255,255,255,0.6) inset,
    0 30px 80px -20px rgba(20,24,33,0.5);
  animation: modal-rise 200ms cubic-bezier(0.16, 1, 0.3, 1);
  overflow: hidden;
}
@keyframes modal-rise {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}
.modal-head {
  display: flex; align-items: flex-start; justify-content: space-between;
  padding: 22px 26px 16px;
  border-bottom: 1px solid var(--hairline);
  background: var(--paper);
}
.modal-eyebrow {
  font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--ink-3); margin-bottom: 6px;
}
.modal h2 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 28px;
  letter-spacing: -0.02em;
  margin: 0;
  color: var(--ink);
}
.modal-x {
  appearance: none; background: transparent;
  border: 1px solid transparent;
  width: 32px; height: 32px;
  border-radius: 4px;
  display: grid; place-items: center;
  cursor: pointer;
  color: var(--ink-3);
  margin-top: 2px;
}
.modal-x:hover { background: var(--paper-2); color: var(--ink); }
.modal-body {
  padding: 20px 26px 4px;
  overflow-y: auto;
  font-size: 15px;
  line-height: 1.6;
  color: var(--ink-2);
}
.modal-body .modal-lede {
  font-family: var(--serif);
  font-size: 18px;
  line-height: 1.45;
  color: var(--ink);
  border-left: 3px solid var(--forest);
  padding: 4px 0 4px 16px;
  margin: 0 0 22px;
  text-wrap: pretty;
}
.modal-body h3 {
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink);
  margin: 22px 0 10px;
}
.modal-body h3:first-of-type { margin-top: 6px; }
.modal-body p { margin: 0 0 12px; }
.modal-body ul { margin: 0 0 12px; padding-left: 20px; }
.modal-body li { margin-bottom: 6px; }
.modal-body strong { color: var(--ink); font-weight: 600; }
.modal-body code {
  font-family: var(--mono);
  font-size: 13px;
  background: var(--paper-2);
  padding: 1px 5px;
  border-radius: 3px;
}
.modal-stamp {
  margin-top: 20px !important;
  padding-top: 14px;
  border-top: 1px dashed var(--hairline);
  font-size: 12px;
  color: var(--ink-3);
}
.modal-foot {
  padding: 14px 26px 18px;
  border-top: 1px solid var(--hairline);
  display: flex; justify-content: flex-end;
  background: var(--paper);
}
@media (max-width: 600px) {
  .modal-scrim { padding: 0; align-items: stretch; }
  .modal { width: 100%; max-height: 100vh; border-radius: 0; border: 0; }
  .modal h2 { font-size: 24px; }
}

/* Footer responsive */
@media (max-width: 720px) {
  .foot-cols { grid-template-columns: 1fr; gap: 32px; }
  .foot-bottom { flex-direction: column; align-items: flex-start; gap: 8px; }
}

/* ─── Print ────────────────────────────────────────────── */
.print-only { display: none; }

@media print {
  /* Reset paper to white */
  :root {
    --paper: #FFFFFF;
    --paper-2: #F5F5F5;
    --paper-3: #ECECEC;
    --ink: #000;
    --ink-2: #222;
    --ink-3: #555;
    --hairline: #C8C8C8;
    --hairline-2: #999;
  }
  html, body { background: #fff !important; color: #000; }

  /* Hide everything that isn't part of the report */
  .topbar, .hero, .actions, .whatif, .ad, .explainer, .faq, footer,
  .tweaks-only, .topnav, .calc-inputs, .twk-panel, .modal-scrim {
    display: none !important;
  }

  /* Reveal print-only chrome */
  .print-only { display: block; }

  /* Top header: print report ID */
  .print-header {
    padding: 0 0 16pt;
    border-bottom: 1.5pt solid #000;
    margin-bottom: 18pt;
  }
  .ph-bar {
    display: flex; justify-content: space-between; align-items: center;
    font: 10pt var(--sans);
    color: #444;
    margin-bottom: 14pt;
  }
  .ph-brand { display: flex; align-items: center; gap: 8pt; font-weight: 600; color: #000; }
  .ph-brand .brand-mark {
    background: #000; color: #fff;
    width: 22pt; height: 22pt;
    display: grid; place-items: center; border-radius: 3pt;
    font-family: var(--serif); font-weight: 700; font-size: 13pt;
  }
  .ph-title {
    font-family: var(--serif);
    font-weight: 500;
    font-size: 22pt;
    letter-spacing: -0.01em;
    margin: 0 0 12pt;
    line-height: 1.15;
  }
  .ph-summary {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12pt 24pt;
    padding: 12pt 0 0;
  }
  .ph-cell { font-family: var(--sans); }
  .ph-lbl {
    font-size: 8pt;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: #666;
    margin-bottom: 3pt;
  }
  .ph-val {
    font-family: var(--serif);
    font-size: 14pt;
    font-weight: 500;
    color: #000;
    font-variant-numeric: tabular-nums;
    line-height: 1.1;
  }

  /* Calc card → just the results panel, full width */
  .calc {
    display: block !important;
    border: 0 !important;
    background: #fff !important;
    box-shadow: none !important;
    border-radius: 0 !important;
    page-break-inside: avoid;
    margin: 0 !important;
  }
  .calc-results {
    padding: 0 !important;
    background: #fff !important;
  }
  .section-eyebrow .right { display: none; }
  .section-eyebrow {
    border-bottom: 0.5pt solid #999;
    padding-bottom: 4pt;
    margin-bottom: 12pt !important;
  }
  .result-bracket { font-size: 18pt !important; }
  .bracket-tier {
    background: #fff !important;
    border-color: #999 !important;
    color: #000 !important;
  }

  /* Results figure grid */
  .figure-grid {
    background: #fff !important;
    border: 0.5pt solid #999 !important;
    margin-top: 14pt !important;
  }
  .figure { background: #fff !important; padding: 12pt 14pt !important; }
  .figure .val { font-size: 22pt !important; color: #000 !important; }
  .figure .val .cents { color: #555 !important; }

  /* Annual callout */
  .annual-callout {
    background: #fff !important;
    color: #000 !important;
    border: 1.5pt solid #000 !important;
    margin-top: 12pt !important;
    padding: 10pt 14pt !important;
  }
  .annual-callout .lbl { color: #333 !important; opacity: 1 !important; font-size: 9pt !important; }
  .annual-callout .hh { color: #000 !important; opacity: 1 !important; font-size: 8pt !important; }
  .annual-callout .val { font-size: 24pt !important; color: #000 !important; }

  /* Cliff cards */
  .cliff-card {
    background: #fff !important;
    border: 0.5pt solid #999 !important;
    page-break-inside: avoid;
    padding: 10pt 14pt !important;
    margin-top: 10pt !important;
  }
  .cliff-card.is-warn,
  .cliff-card.is-good { background: #fff !important; }
  .cliff-card .lbl, .cliff-card .lbl b { color: #000 !important; }
  .cliff-card .figs .big { color: #000 !important; font-size: 16pt !important; }

  /* Chart */
  .chart-panel {
    background: #fff !important;
    border: 0.5pt solid #999 !important;
    box-shadow: none !important;
    padding: 16pt !important;
    margin-top: 18pt !important;
    page-break-inside: avoid;
  }
  .chart-panel .chart-head h3 { font-size: 14pt !important; }
  .chart-panel .legend { font-size: 8pt !important; }
  .chart-svg { max-height: 360pt; }
  /* Force ink-on-paper chart colors */
  .chart-svg [fill="var(--warn)"] { fill: #b00 !important; }
  .chart-svg [stroke="var(--warn)"] { stroke: #b00 !important; }
  .chart-svg [fill="var(--paper)"] { fill: #fff !important; }
  .chart-svg [fill="var(--ink)"] { fill: #000 !important; }
  .chart-svg [stroke="var(--ink)"] { stroke: #000 !important; }
  .chart-svg [fill="var(--ink-3)"] { fill: #555 !important; }
  .chart-svg [stroke="var(--hairline)"] { stroke: #ccc !important; }

  /* Footer */
  .print-footer {
    margin-top: 18pt;
    padding-top: 12pt;
    border-top: 0.5pt solid #999;
    font: 8pt var(--sans);
    color: #555;
    display: flex; justify-content: space-between; gap: 16pt;
  }
  .print-footer strong { color: #000; }

  /* Shell padding cleanup */
  .shell { padding: 0 !important; max-width: none; }
  body { padding: 24pt 28pt !important; font-size: 10pt; }
  @page { margin: 0.5in; }
}