/* ── TOKENS ─────────────────────────────────────────── */
:root {
  /* Primary teal */
  --teal:        #0F766E;
  --teal-dark:   #0B5E57;
  --teal-light:  #14B8A6;
  --teal-bg:     #F0FDFA;
  --teal-border: #CCFBF1;

  /* Gold accent */
  --gold:        #D97706;
  --gold-dark:   #B45309;
  --gold-light:  #F59E0B;
  --gold-bg:     #FFFBEB;
  --gold-border: #FDE68A;

  /* Warm neutrals */
  --white:  #FFFFFF;
  --bg:     #F7F6F1;
  --bg-2:   #EDECE6;
  --border: #E5E2DB;
  --text:   #1C1917;
  --text-2: #44403C;
  --text-3: #78716C;
  --text-4: #A8A29E;

  --shadow-sm: 0 1px 4px rgba(28,25,23,.06);
  --shadow-md: 0 4px 16px rgba(28,25,23,.09);
  --shadow-lg: 0 12px 40px rgba(28,25,23,.13);

  --r:    12px;
  --r-sm: 8px;
  --r-lg: 20px;

  --display: system-ui, -apple-system, 'Segoe UI', sans-serif;
  --body:    system-ui, -apple-system, 'Segoe UI', sans-serif;
}

/* ── RESET ──────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body {
  font-family: var(--body);
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

/* ── NAV ────────────────────────────────────────────── */
nav {
  background: var(--white);
  padding: 0 2rem;
  height: 58px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: sticky;
  top: 0;
  z-index: 200;
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}

.logo {
  font-family: var(--display);
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--text);
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 0.55rem;
  letter-spacing: -0.025em;
}

.logo-mark {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}

.logo-mark svg {
  width: 28px;
  height: 28px;
  display: block;
}

.logo-accent { color: var(--teal); }

.nav-links {
  display: flex;
  gap: 1.75rem;
  list-style: none;
  align-items: center;
}

.nav-links a {
  color: var(--text-3);
  text-decoration: none;
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  transition: color .15s;
}

.nav-links a:hover { color: var(--text); }
.nav-links a.active { color: var(--teal); }

.nav-cta {
  background: var(--teal);
  color: var(--white) !important;
  padding: 0.45rem 1rem;
  border-radius: var(--r-sm);
  font-size: 0.82rem !important;
  font-weight: 700 !important;
  transition: background .15s !important;
}
.nav-cta:hover { background: var(--teal-dark) !important; color: var(--white) !important; }

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--border);
  color: var(--text);
  font-size: 1.1rem;
  cursor: pointer;
  padding: 0.35rem 0.6rem;
  border-radius: var(--r-sm);
  line-height: 1;
}

@media (max-width: 640px) {
  nav { padding: 0 1.25rem; }
  .nav-toggle { display: block; }
  .nav-links {
    display: none;
    position: absolute;
    top: 58px;
    left: 0; right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 0.5rem 0;
    z-index: 199;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-md);
  }
  .nav-links.open { display: flex; }
  .nav-links li a {
    display: block;
    padding: 0.85rem 1.5rem;
    border-radius: 0;
  }
  .nav-cta {
    margin: 0.5rem 1.25rem;
    display: block;
    text-align: center;
    border-radius: var(--r-sm) !important;
    padding: 0.65rem 1rem !important;
  }
}

/* ── HERO ───────────────────────────────────────────── */
.hero {
  background: linear-gradient(150deg, #0B5E57 0%, #0F766E 45%, #0D6B64 100%);
  padding: 4rem 2rem 3.5rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.1) 1px, transparent 1px);
  background-size: 28px 28px;
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  right: 0;
  height: 40px;
  background: var(--bg);
  clip-path: ellipse(55% 100% at 50% 100%);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 1;
}

.hero-eyebrow {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.85);
  margin-bottom: 1.25rem;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.22);
  padding: 0.35rem 1rem;
  border-radius: 2rem;
  backdrop-filter: blur(4px);
}

.hero h1 {
  font-family: var(--display);
  font-size: clamp(2.2rem, 5.5vw, 3.4rem);
  font-weight: 800;
  line-height: 1.08;
  color: var(--white);
  max-width: 680px;
  margin: 0 auto 1.1rem;
  letter-spacing: -0.03em;
}

.hero h1 em {
  font-style: normal;
  color: #6EE7B7;
}

.hero-sub {
  color: rgba(255,255,255,0.72);
  font-size: 1.05rem;
  max-width: 480px;
  margin: 0 auto;
  line-height: 1.7;
}

/* ── PAGE HERO (inner pages) ────────────────────────── */
.page-hero {
  background: var(--white);
  padding: 2.5rem 2rem;
  border-bottom: 1px solid var(--border);
}

.page-hero-inner {
  max-width: 860px;
  margin: 0 auto;
}

.page-eyebrow {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 0.6rem;
}

.page-hero h1 {
  font-family: var(--display);
  font-size: clamp(1.6rem, 3.5vw, 2.4rem);
  font-weight: 800;
  color: var(--text);
  line-height: 1.15;
  letter-spacing: -0.02em;
  margin-bottom: 0.5rem;
}

.page-sub {
  color: var(--text-3);
  font-size: 0.95rem;
  max-width: 560px;
  line-height: 1.7;
  margin-top: 0.5rem;
}

/* ── TWO-COLUMN CALCULATOR ──────────────────────────── */
.calc-section-bg {
  background: linear-gradient(180deg, var(--teal-bg) 0%, var(--bg) 100%);
  border-bottom: 1px solid var(--border);
}

.calc-wrap {
  max-width: 1080px;
  margin: 0 auto;
  padding: 2.5rem 2rem;
}

.calc-grid {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 1.5rem;
  align-items: start;
}

@media (max-width: 860px) {
  .calc-grid { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  .calc-wrap { padding: 1.5rem 1rem; }
}

/* ── INPUT PANEL ────────────────────────────────────── */
.input-panel {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.input-section {
  padding: 1.4rem 1.5rem;
  border-bottom: 1px solid var(--border);
}

.input-section:last-child { border-bottom: none; }

.input-section-header {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  margin-bottom: 1.25rem;
}

.input-section-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--teal);
  color: #fff;
  font-size: 0.75rem;
  flex-shrink: 0;
  box-shadow: 0 2px 6px rgba(15,118,110,0.35);
}

.input-section-num i { color: #fff; }

.input-section-title {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-3);
}

.input-field {
  margin-bottom: 1.25rem;
}

.input-field:last-child { margin-bottom: 0; }

.input-label {
  display: flex;
  align-items: center;
  gap: 0.3rem;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-2);
  margin-bottom: 0.6rem;
}

/* Big value display (light) */
.value-display {
  font-family: var(--display);
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--text);
  line-height: 1;
  margin-bottom: 0.7rem;
  letter-spacing: -0.03em;
}

.value-display-sub {
  font-size: 0.78rem;
  color: var(--text-4);
  margin-top: -0.5rem;
  margin-bottom: 0.7rem;
}

/* Number input with +/- buttons */
.num-stepper {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0.7rem;
}

.stepper-btn {
  width: 32px;
  height: 32px;
  border: 1.5px solid var(--border);
  background: var(--bg);
  border-radius: var(--r-sm);
  color: var(--text-2);
  font-size: 1.1rem;
  font-weight: 600;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: all .15s;
  line-height: 1;
}

.stepper-btn:hover {
  border-color: var(--teal);
  color: var(--teal);
  background: var(--teal-bg);
}

.num-input {
  background: var(--bg);
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  color: var(--text);
  font-family: var(--display);
  font-size: 1.75rem;
  font-weight: 800;
  width: 90px;
  padding: 0.2rem 0.4rem;
  text-align: center;
  -moz-appearance: textfield;
  letter-spacing: -0.03em;
}

.num-input::-webkit-inner-spin-button,
.num-input::-webkit-outer-spin-button { -webkit-appearance: none; }
.num-input:focus { outline: 2px solid var(--teal); outline-offset: 1px; border-color: var(--teal); }

/* Quick-select chips */
.quick-chips {
  display: flex;
  gap: 0.35rem;
  flex-wrap: wrap;
}

.quick-chips button {
  padding: 0.3rem 0.7rem;
  border: 1.5px solid var(--border);
  background: var(--white);
  border-radius: 999px;
  color: var(--text-3);
  font-family: var(--body);
  font-size: 0.78rem;
  font-weight: 700;
  cursor: pointer;
  transition: all .15s;
}

.quick-chips button.active {
  background: var(--teal);
  border-color: var(--teal);
  color: var(--white);
}

.quick-chips button:not(.active):hover {
  border-color: var(--teal);
  color: var(--teal);
}

/* Sliders — light theme */
.slider-wrap { position: relative; margin-bottom: 0.45rem; }

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  border-radius: 2px;
  background: var(--bg-2);
  outline: none;
  cursor: pointer;
  border: none;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--white);
  cursor: pointer;
  box-shadow: 0 1px 6px rgba(0,0,0,.18);
  border: 2.5px solid var(--teal);
  transition: transform .1s;
}

input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }

input[type="range"]::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--white);
  cursor: pointer;
  border: 2.5px solid var(--teal);
  box-shadow: 0 1px 6px rgba(0,0,0,.18);
}

.slider-track {
  position: absolute;
  top: 50%;
  left: 0;
  transform: translateY(-50%);
  height: 4px;
  background: var(--teal);
  border-radius: 2px;
  pointer-events: none;
}

.range-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 0.4rem;
  font-size: 0.68rem;
  color: var(--text-4);
}

/* Toggle switch — light */
.toggle-row {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.toggle-switch {
  position: relative;
  display: inline-block;
  width: 40px;
  height: 22px;
  flex-shrink: 0;
}

.toggle-switch input { opacity: 0; width: 0; height: 0; position: absolute; }

.toggle-track {
  position: absolute;
  cursor: pointer;
  top: 0; left: 0; right: 0; bottom: 0;
  background: var(--bg-2);
  border-radius: 999px;
  transition: .2s;
  border: 1px solid var(--border);
}

.toggle-track::before {
  position: absolute;
  content: '';
  height: 16px;
  width: 16px;
  left: 2px;
  bottom: 2px;
  background: var(--white);
  border-radius: 50%;
  transition: .2s;
  box-shadow: 0 1px 3px rgba(0,0,0,.2);
}

.toggle-switch input:checked + .toggle-track { background: var(--teal); border-color: var(--teal); }
.toggle-switch input:checked + .toggle-track::before { transform: translateX(18px); }

.toggle-label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-2);
  cursor: pointer;
}

/* SP sub-fields */
.sp-fields {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.sp-fields.hidden { display: none; }

/* Segmented control */
.seg {
  display: flex;
  background: var(--bg-2);
  border-radius: var(--r-sm);
  padding: 3px;
  gap: 2px;
  border: 1px solid var(--border);
}

.seg button {
  flex: 1;
  padding: 0.38rem 0.4rem;
  border: none;
  background: transparent;
  border-radius: 5px;
  font-family: var(--body);
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--text-3);
  cursor: pointer;
  transition: all .15s;
  white-space: nowrap;
}

.seg button.active {
  background: var(--teal);
  color: var(--white);
  box-shadow: 0 1px 3px rgba(15,118,110,.35);
}

.seg button:not(.active):hover { color: var(--text); background: var(--white); }

/* Help tip */
.help-tip {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 14px; height: 14px;
  border-radius: 50%;
  background: var(--bg-2);
  border: 1px solid var(--border);
  color: var(--text-4);
  font-size: 0.6rem;
  font-weight: 700;
  cursor: help;
  vertical-align: middle;
  margin-left: 0.25rem;
  flex-shrink: 0;
}

/* ── RESULTS PANEL ──────────────────────────────────── */
.results-panel {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

/* Target number card */
.target-card {
  background: linear-gradient(145deg, #0B5E57 0%, #0F766E 60%, #0E8074 100%);
  border: none;
  border-radius: var(--r-lg);
  padding: 2.25rem 2rem;
  box-shadow: 0 8px 32px rgba(15,118,110,0.35), 0 2px 8px rgba(15,118,110,0.2);
  text-align: center;
  position: relative;
  overflow: hidden;
}

.target-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.08) 1px, transparent 1px);
  background-size: 20px 20px;
  pointer-events: none;
}

.target-card::after {
  content: '';
  position: absolute;
  top: -40px;
  right: -40px;
  width: 160px;
  height: 160px;
  border-radius: 50%;
  background: rgba(255,255,255,0.05);
  pointer-events: none;
}

.target-card-inner { position: relative; z-index: 1; }

.target-eyebrow {
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
  margin-bottom: 0.65rem;
}

.target-number {
  font-family: var(--display);
  font-size: clamp(2.8rem, 5.5vw, 4rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  letter-spacing: -0.04em;
  margin-bottom: 0.6rem;
  text-shadow: 0 2px 12px rgba(0,0,0,0.2);
}

.target-sub {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.5;
}

/* Progress ring or bar */
.progress-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 1.25rem 1.5rem;
  box-shadow: var(--shadow-md);
}

.progress-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 0.75rem;
}

.progress-label {
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--text-2);
}

.progress-pct {
  font-family: var(--display);
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--teal);
  letter-spacing: -0.02em;
}

.progress-bar-track {
  width: 100%;
  height: 10px;
  background: var(--bg-2);
  border-radius: 999px;
  overflow: hidden;
  border: 1px solid var(--border);
}

.progress-bar-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--teal-dark), var(--teal-light));
  border-radius: 999px;
  transition: width 0.6s cubic-bezier(.4,0,.2,1);
  min-width: 4px;
  box-shadow: 0 0 8px rgba(15,118,110,0.4);
}

.progress-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}

.progress-stat-label {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-4);
  margin-bottom: 0.2rem;
}

.progress-stat-value {
  font-family: var(--display);
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--text);
  letter-spacing: -0.02em;
  line-height: 1;
}

/* Monthly savings card */
.savings-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 1.25rem 1.5rem;
  box-shadow: var(--shadow-sm);
}

.savings-header {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-3);
  margin-bottom: 0.9rem;
}

.savings-compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.5rem;
  margin-bottom: 1rem;
}

.savings-col { text-align: center; }

.savings-col-label {
  font-size: 0.7rem;
  color: var(--text-4);
  margin-bottom: 0.3rem;
}

.savings-col-value {
  font-family: var(--display);
  font-size: 1.3rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1;
}

.savings-col-value.needed { color: var(--teal); font-size: 1.5rem; }
.savings-col-value.current { color: var(--text-3); }

.savings-gap {
  text-align: center;
  padding: 0.6rem;
  border-radius: var(--r-sm);
  font-size: 0.82rem;
  font-weight: 700;
}

.savings-gap.on-track {
  background: var(--teal-bg);
  color: var(--teal-dark);
  border: 1px solid var(--teal-border);
}

.savings-gap.off-track {
  background: var(--gold-bg);
  color: var(--gold-dark);
  border: 1px solid var(--gold-border);
}

/* Chart card */
.chart-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  padding: 1.25rem 1.5rem 1.5rem;
  box-shadow: var(--shadow-sm);
}

.chart-header {
  margin-bottom: 1rem;
}

.chart-title {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--text-2);
}

.chart-sub {
  font-size: 0.7rem;
  color: var(--text-4);
  margin-top: 0.1rem;
}

.chart-wrap {
  position: relative;
  height: 200px;
}

.chart-legend {
  display: flex;
  gap: 1rem;
  margin-top: 0.75rem;
  flex-wrap: wrap;
}

.legend-item {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.7rem;
  color: var(--text-3);
}

.legend-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}

.chart-disclaimer {
  font-size: 0.68rem;
  color: var(--text-4);
  margin-top: 0.6rem;
  line-height: 1.5;
}

/* ── YEAR-BY-YEAR TABLE ─────────────────────────────── */
.breakdown-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.breakdown-toggle {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 1rem 1.5rem;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-3);
  cursor: pointer;
  list-style: none;
  user-select: none;
  transition: color .15s;
}

.breakdown-toggle::-webkit-details-marker { display: none; }

.breakdown-toggle::after {
  content: '▾';
  font-size: 1rem;
  line-height: 1;
  transition: transform .2s;
  margin-left: auto;
}

details[open] .breakdown-toggle::after { transform: rotate(-180deg); }
.breakdown-toggle:hover { color: var(--text); }

.breakdown-table-wrap {
  overflow-x: auto;
  overflow-y: auto;
  max-height: 60vh;
  padding: 0 1.5rem 1.25rem;
}

.breakdown-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.82rem;
}

.breakdown-table th {
  position: sticky;
  top: 0;
  background: var(--white);
  z-index: 1;
  text-align: left;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--text-3);
  padding: 0.5rem 0.75rem;
  border-bottom: 2px solid var(--border);
  white-space: nowrap;
}

.breakdown-table td {
  padding: 0.4rem 0.75rem;
  color: var(--text-2);
  border-bottom: 1px solid var(--bg-2);
  white-space: nowrap;
}

.breakdown-table td:first-child { font-weight: 700; color: var(--text); }
.breakdown-table tbody tr:hover td { background: var(--teal-bg); }
.breakdown-table .retire-row td { background: var(--teal-bg); font-weight: 600; }
.breakdown-table .danger-row td { background: var(--gold-bg); }

/* ── HOW IT WORKS ───────────────────────────────────── */
.how-section {
  background: linear-gradient(135deg, #0B5E57 0%, #0F766E 100%);
  padding: 4rem 2rem;
  position: relative;
  overflow: hidden;
}

.how-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.07) 1px, transparent 1px);
  background-size: 28px 28px;
  pointer-events: none;
}

.how-inner {
  max-width: 900px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.section-eyebrow {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 0.5rem;
}

.how-section .section-eyebrow {
  color: rgba(255,255,255,0.6);
}

.section-title {
  font-family: var(--display);
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 0.4rem;
  letter-spacing: -0.02em;
}

.how-section .section-title { color: var(--white); }

.section-sub {
  font-size: 0.9rem;
  color: var(--text-3);
  margin-bottom: 2rem;
  max-width: 520px;
}

.how-section .section-sub { color: rgba(255,255,255,0.65); }

.how-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

@media (max-width: 620px) {
  .how-steps { grid-template-columns: 1fr; }
}

.how-step {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.how-step-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: rgba(255,255,255,0.15);
  border: 2px solid rgba(255,255,255,0.3);
  color: #fff;
  font-size: 1.25rem;
}

.how-step-icon i { color: #fff; }

.how-step-title {
  font-family: var(--display);
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.01em;
}

.how-step-body {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.65;
}

/* ── INCOME GRID (quick links) ──────────────────────── */
.links-section-bg {
  background: var(--white);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.links-section {
  max-width: 900px;
  margin: 0 auto;
  padding: 3rem 2rem;
}

.links-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
}

@media (max-width: 620px) {
  .links-grid { grid-template-columns: 1fr 1fr; }
}

.link-card {
  display: flex;
  flex-direction: column;
  padding: 1.1rem 1rem;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--r);
  text-decoration: none;
  color: var(--text);
  transition: all .18s;
  border-left: 3px solid var(--teal-border);
}

.link-card:hover {
  border-color: var(--teal);
  border-left-color: var(--teal);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.link-card-amount {
  font-family: var(--display);
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--teal);
  letter-spacing: -0.03em;
  line-height: 1;
  margin-bottom: 0.25rem;
}

.link-card-label {
  font-size: 0.75rem;
  color: var(--text-3);
  line-height: 1.4;
}

.link-card-static { cursor: default; }
.link-card-static:hover { transform: none; box-shadow: none; border-color: var(--border); border-left-color: var(--teal-border); }

.links-cta {
  margin-top: 1.25rem;
  font-size: 0.85rem;
  color: var(--text-3);
  text-align: center;
}

/* ── SEO CONTENT SECTION ────────────────────────────── */
.seo-section {
  background: var(--bg);
  border-top: 1px solid var(--border);
  padding: 3.5rem 2rem;
}

.seo-inner {
  max-width: 760px;
  margin: 0 auto;
}

/* ── PROSE ──────────────────────────────────────────── */
.prose h2 {
  font-family: var(--display);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--text);
  margin: 2rem 0 0.65rem;
  line-height: 1.25;
  letter-spacing: -0.02em;
}

.prose h3 {
  font-family: var(--display);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text);
  margin: 1.5rem 0 0.4rem;
}

.prose p {
  font-size: 0.95rem;
  line-height: 1.8;
  color: var(--text-2);
  margin-bottom: 1rem;
}

.prose ul, .prose ol {
  padding-left: 1.4rem;
  margin-bottom: 1rem;
}

.prose li {
  font-size: 0.95rem;
  line-height: 1.75;
  color: var(--text-2);
  margin-bottom: 0.3rem;
}

.prose strong { color: var(--text); font-weight: 700; }

.prose a {
  color: var(--teal);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.prose a:hover { color: var(--teal-dark); }

.prose .callout {
  background: var(--teal-bg);
  border: 1px solid var(--teal-border);
  border-left: 3px solid var(--teal);
  border-radius: 0 var(--r-sm) var(--r-sm) 0;
  padding: 0.9rem 1.1rem;
  margin: 1.25rem 0;
  font-size: 0.9rem;
  color: var(--text-2);
  line-height: 1.6;
}

/* ── FAQ ────────────────────────────────────────────── */
.faq-section {
  padding: 3rem 2rem;
}

.faq-inner {
  max-width: 760px;
  margin: 0 auto;
}

.faq-list {
  margin-top: 1.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-sm);
  overflow: hidden;
}

.faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1rem 1.25rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
  list-style: none;
  user-select: none;
  gap: 0.75rem;
}

.faq-q::-webkit-details-marker { display: none; }

.faq-q::after {
  content: '+';
  font-size: 1.1rem;
  color: var(--teal);
  flex-shrink: 0;
  transition: transform .2s;
  font-weight: 700;
}

details[open] .faq-q::after { transform: rotate(45deg); }

.faq-a {
  padding: 0 1.25rem 1rem;
  font-size: 0.88rem;
  line-height: 1.7;
  color: var(--text-3);
  border-top: 1px solid var(--border);
}

/* ── CROSS-LINK BANNER ──────────────────────────────── */
.crosslink-banner {
  background: linear-gradient(135deg, var(--teal-bg) 0%, #ECFDF5 100%);
  border: 1.5px solid var(--teal-border);
  border-radius: var(--r);
  padding: 1.4rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
}

.crosslink-text {
  font-size: 0.88rem;
  color: var(--text-2);
  line-height: 1.5;
}

.crosslink-text strong { color: var(--text); }

.crosslink-link {
  display: inline-block;
  background: var(--teal);
  color: var(--white);
  font-size: 0.82rem;
  font-weight: 700;
  padding: 0.5rem 1.1rem;
  border-radius: var(--r-sm);
  white-space: nowrap;
  transition: background .15s;
  flex-shrink: 0;
}

.crosslink-link:hover { background: var(--teal-dark); }

/* ── FOOTER ─────────────────────────────────────────── */
footer {
  background: var(--text);
  padding: 2.5rem 2rem;
}

.footer-inner {
  max-width: 900px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  gap: 2rem;
  flex-wrap: wrap;
}

.footer-brand {
  font-family: var(--display);
  font-size: 1rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 0.6rem;
  letter-spacing: -0.02em;
}

.footer-brand span { color: var(--teal-light); }

.footer-disclaimer {
  font-size: 0.75rem;
  color: var(--text-4);
  line-height: 1.65;
  max-width: 440px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.footer-links a {
  font-size: 0.8rem;
  color: var(--text-3);
  text-decoration: none;
  transition: color .15s;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.footer-links a:hover { color: var(--white); }

/* ── MAIN CONTENT AREA (inner pages) ────────────────── */
.main {
  max-width: 860px;
  margin: 0 auto;
  padding: 3rem 2rem;
}

/* ── UTILITY ─────────────────────────────────────────── */
.text-teal { color: var(--teal); }
.text-gold { color: var(--gold); }
.font-display { font-family: var(--display); font-weight: 800; }
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); }

/* ── ANIMATIONS ─────────────────────────────────────── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}

.calc-grid { animation: fadeUp .4s ease both; }

/* ── RESPONSIVE TWEAKS ──────────────────────────────── */
@media (max-width: 640px) {
  .hero { padding: 2.5rem 1.25rem 2rem; }
  .how-section { padding: 2.5rem 1.25rem; }
  .links-section { padding: 2rem 1.25rem; }
  .seo-section { padding: 2.5rem 1.25rem; }
  .faq-section { padding: 2rem 1.25rem; }
  footer { padding: 2rem 1.25rem; }
  .target-number { font-size: 2.5rem; }
  .savings-compare { grid-template-columns: 1fr; }
  .progress-stats { grid-template-columns: 1fr; }
}