@font-face {
  font-family: "Fiduciary Editorial";
  src: url("fonts/fiduciary-editorial-regular.otf") format("opentype");
  font-style: normal;
  font-weight: 400;
  font-display: swap;
}

@font-face {
  font-family: "Fiduciary Editorial";
  src: url("fonts/fiduciary-editorial-bold.otf") format("opentype");
  font-style: normal;
  font-weight: 700;
  font-display: swap;
}

:root {
  --navy: #071b2f;
  --navy-2: #12364c;
  --ink: #132c3e;
  --muted: #6b7780;
  --paper: #f3f0e9;
  --white: #fffefa;
  --aqua: #d8c08c;
  --aqua-dark: #80602b;
  --sky: #b9914e;
  --coral: #12364c;
  --line: #ded7c9;
  --shadow: 0 24px 70px rgba(7, 27, 47, 0.14);
  --display-serif: "Fiduciary Editorial", "Century Schoolbook", Georgia, serif;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.5;
  font-size: 16px;
}
button, input { font: inherit; }
a { color: inherit; }
h1, h2, h3, .result-card strong { font-family: var(--display-serif); }

.site-header {
  height: 72px;
  padding: 0 clamp(20px, 5vw, 72px);
  display: flex;
  align-items: center;
  justify-content: space-between;
  color: #fffdf7;
  background: var(--navy-2);
  border-bottom: 4px solid var(--sky);
}
.brand { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; }
.brand-mark { display: block; width: 39px; height: 39px; flex: 0 0 auto; }
.brand-name { display: inline-flex; align-items: baseline; gap: 6px; white-space: nowrap; }
.brand-name strong { color: #fffdf7; font-size: 1.2rem; font-weight: 800; letter-spacing: -.035em; }
.brand-name span { color: var(--aqua); font-family: var(--display-serif); font-size: 1.14rem; font-weight: 700; letter-spacing: .005em; }
.site-header nav { display: flex; gap: 28px; font-size: .9rem; color: #d7d7cf; }
.site-header nav a { text-decoration: none; }
.site-header nav a:hover { color: white; }

main { overflow: hidden; }
.intro {
  padding: 54px 24px 126px;
  text-align: center;
  color: #fffdf7;
  background:
    radial-gradient(circle at 20% 100%, rgba(185,145,78,.2), transparent 35%),
    radial-gradient(circle at 80% 0%, rgba(216,192,140,.13), transparent 30%),
    var(--navy);
}
.eyebrow, .section-kicker { margin: 0 0 12px; color: var(--aqua); text-transform: uppercase; font-weight: 800; letter-spacing: .14em; font-size: .75rem; }
.intro h1 { margin: 0 auto 12px; max-width: 820px; font-size: clamp(2.15rem, 5vw, 4.25rem); line-height: 1.04; letter-spacing: -.025em; }
.intro > p:last-child { max-width: 650px; margin: 0 auto; color: #d5d2c9; font-size: clamp(1rem, 2vw, 1.15rem); }

.site-grid {
  max-width: 1196px;
  margin: -105px auto 0;
  padding: 0 18px;
  display: grid;
  grid-template-columns: minmax(0, 1160px);
  align-items: start;
  justify-content: center;
}
.calculator-shell { min-width: 0; background: #fffefa; border-radius: 22px; box-shadow: var(--shadow); overflow: hidden; }
.calculator-tabs { display: grid; grid-template-columns: 1fr 1fr; padding: 8px; gap: 8px; border-bottom: 1px solid var(--line); background: #f8f5ee; }
.calculator-tab { min-height: 64px; padding: 10px 18px; display: grid; place-content: center; gap: 2px; border: 1px solid transparent; border-radius: 13px; color: #5f6b73; background: transparent; cursor: pointer; text-align: left; transition: color .18s, background .18s, box-shadow .18s; }
.calculator-tab span { font-weight: 800; font-size: .95rem; }
.calculator-tab small { font-size: .72rem; color: #817c72; }
.calculator-tab.active { color: var(--navy); border-color: #ded7c9; background: #fffefa; box-shadow: 0 5px 18px rgba(7,27,47,.08); }
.calculator-tab.active::after { content: ""; width: 28px; height: 3px; margin-top: 5px; border-radius: 3px; background: var(--aqua-dark); }
.calculator-tab:focus-visible { outline: 3px solid rgba(185,145,78,.35); outline-offset: 1px; }
.mode-fields[hidden] { display: none; }
.input-panel, .results-panel { padding: clamp(24px, 4vw, 44px); }
.results-panel { border-top: 1px solid var(--line); background: #fbfaf7; }
.panel-heading { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 30px; }
.panel-heading h2 { margin: 0 0 3px; font-size: 1.3rem; letter-spacing: -.01em; }
.panel-heading p { margin: 0; color: var(--muted); font-size: .88rem; }
.step-number { min-width: 36px; height: 28px; border-radius: 7px; display: inline-grid; place-items: center; background: var(--aqua-dark); color: #fffdf7; font-size: .72rem; font-weight: 800; letter-spacing: .08em; }

.field-grid { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 16px; }
.field { display: grid; gap: 8px; min-width: 0; }
.field > span, fieldset legend { font-size: .85rem; color: #465966; font-weight: 700; }
.input-wrap { height: 50px; display: flex; align-items: center; border: 1px solid #d6cec0; border-radius: 10px; background: #fffefa; transition: border-color .2s, box-shadow .2s; overflow: hidden; }
.input-wrap:focus-within { border-color: var(--aqua-dark); box-shadow: 0 0 0 3px rgba(185,145,78,.16); }
.input-wrap input, .input-wrap select { width: 100%; height: 100%; border: 0; outline: 0; min-width: 0; color: var(--ink); font-weight: 700; background: transparent; }
.input-wrap select { padding: 0 34px 0 13px; cursor: pointer; }
.input-wrap.prefix > span { padding-left: 14px; padding-right: 5px; color: #766f64; }
.input-wrap.suffix input { padding-left: 14px; }
.input-wrap.suffix > span { padding: 0 13px 0 6px; color: #766f64; font-size: .8rem; white-space: nowrap; }

fieldset { margin: 30px 0 0; padding: 0; border: 0; }
fieldset legend { margin-bottom: 10px; }
.approach-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; }
.approach-grid label { position: relative; cursor: pointer; }
.approach-grid input { position: absolute; opacity: 0; pointer-events: none; }
.approach-grid label > span { min-height: 82px; display: grid; align-content: center; gap: 2px; padding: 13px 14px; border: 1px solid var(--line); border-radius: 11px; transition: all .18s; }
.approach-grid b { font-size: .85rem; }
.approach-grid small { color: var(--muted); font-size: .74rem; }
.approach-grid input:checked + span { color: var(--navy); border-color: var(--sky); background: #f6eedc; box-shadow: inset 0 0 0 1px var(--sky); }
.approach-grid input:focus-visible + span { outline: 3px solid rgba(185,145,78,.35); outline-offset: 2px; }

.advanced { margin-top: 18px; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.advanced summary { padding: 15px 2px; cursor: pointer; color: #465966; font-size: .85rem; font-weight: 750; }
.advanced-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); padding: 4px 0 18px; }
.inflation-option { padding: 16px 2px 18px; display: flex; align-items: flex-end; justify-content: space-between; gap: 24px; border-bottom: 1px solid var(--line); }
.inflation-toggle { min-height: 50px; }
.inflation-toggle > span:last-child { display: grid; gap: 2px; }
.inflation-toggle b { color: var(--navy); font-size: .86rem; }
.inflation-toggle small { color: var(--muted); font-size: .73rem; }
.inflation-field { width: min(260px, 100%); }
.retirement-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.match-panel { margin-top: 20px; padding: 17px 20px; border: 1px solid var(--line); border-left: 4px solid var(--sky); border-radius: 12px; background: #fbfaf6; }
.match-heading { display: grid; gap: 2px; margin-bottom: 13px; }
.match-heading b { color: var(--navy); font-size: .9rem; }
.match-heading small { color: var(--muted); font-size: .73rem; line-height: 1.5; }
.match-options { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.match-toggle { display: flex; align-items: center; gap: 11px; cursor: pointer; }
.match-option { min-height: 76px; padding: 13px 14px; align-items: flex-start; border: 1px solid var(--line); border-radius: 10px; background: #fffefa; transition: border-color .18s, background .18s, box-shadow .18s; }
.match-option:has(input:checked) { border-color: var(--sky); background: #f6eedc; box-shadow: inset 0 0 0 1px var(--sky); }
.match-toggle > input { position: absolute; opacity: 0; pointer-events: none; }
.match-check { width: 22px; height: 22px; flex: 0 0 auto; display: grid; place-content: center; border: 1px solid #ae9c7e; border-radius: 6px; background: #fffefa; transition: .18s; }
.match-check::after { content: "✓"; color: white; font-size: .8rem; font-weight: 900; opacity: 0; transform: scale(.7); transition: .18s; }
.match-toggle > input:checked + .match-check { border-color: var(--aqua-dark); background: var(--aqua-dark); }
.match-toggle > input:checked + .match-check::after { opacity: 1; transform: scale(1); }
.match-toggle > input:focus-visible + .match-check { outline: 3px solid rgba(185,145,78,.35); outline-offset: 2px; }
.match-toggle > span:last-child { display: grid; gap: 3px; }
.match-toggle b { color: var(--navy); font-size: .88rem; }
.match-toggle small { color: var(--muted); font-size: .73rem; line-height: 1.45; }
.match-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--line); }
.paycheck-summary { margin-top: 12px; padding: 17px 20px; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); align-items: center; gap: 20px; border: 1px solid #dec999; border-radius: 12px; background: #f6eedc; }
.paycheck-summary div { display: grid; gap: 2px; }
.paycheck-summary span { color: var(--aqua-dark); font-size: .7rem; font-weight: 800; text-transform: uppercase; letter-spacing: .07em; }
.paycheck-summary strong { color: var(--navy); font-size: 1rem; }
.paycheck-summary p { grid-column: 1 / -1; margin: 0; padding-top: 11px; color: #625c52; font-size: .76rem; border-top: 1px solid #e3d4b0; }
.info { width: 18px; height: 18px; padding: 0; margin-left: 3px; border-radius: 50%; border: 1px solid #aa9e8a; color: #6f6658; background: transparent; font-size: .7rem; font-weight: 800; cursor: help; }
.form-footer { display: flex; justify-content: flex-end; align-items: center; gap: 20px; margin-top: 26px; }
.run-button { min-height: 52px; padding: 0 22px; border: 0; border-radius: 11px; color: white; background: var(--navy); font-weight: 780; cursor: pointer; box-shadow: 0 10px 24px rgba(7,27,47,.18); transition: transform .15s, background .15s; }
.run-button span { color: var(--aqua); margin-left: 8px; font-size: 1.2rem; }
.run-button:hover { background: var(--navy-2); transform: translateY(-1px); }
.run-button:disabled { cursor: wait; opacity: .65; transform: none; }

.results-heading { margin-bottom: 22px; }
.result-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.result-card { padding: 18px; border: 1px solid var(--line); border-radius: 13px; background: #fffefa; }
.result-card > span { display: block; color: var(--muted); font-size: .78rem; font-weight: 750; }
.result-card strong { display: block; margin: 7px 0 2px; font-size: clamp(1.35rem, 3vw, 2rem); letter-spacing: -.02em; }
.result-card small { color: #817c72; }
.result-card.median { color: #fffdf7; border-color: var(--navy); background: var(--navy); }
.result-card.median span, .result-card.median small { color: var(--aqua); }
.result-card.median strong { color: var(--aqua); }

.chart-card { padding: 18px; border: 1px solid var(--line); border-radius: 14px; background: #fffefa; }
.chart-header { display: flex; justify-content: space-between; gap: 20px; align-items: start; }
.chart-header h3 { margin: 0; font-size: .95rem; }
.chart-header p { margin: 2px 0 0; color: var(--muted); font-size: .74rem; }
.legend { display: flex; gap: 15px; flex-wrap: wrap; color: var(--muted); font-size: .7rem; }
.legend span { display: inline-flex; align-items: center; gap: 5px; white-space: nowrap; }
.swatch { width: 18px; height: 4px; border-radius: 4px; }
.swatch.range { background: rgba(185,145,78,.68); }
.swatch.straight { height: 0; border-top: 2px dashed var(--coral); border-radius: 0; }
.chart-wrap { position: relative; }
#fan-chart { display: block; width: 100%; height: 330px; margin-top: 8px; cursor: crosshair; outline: none; }
#fan-chart:focus-visible { border-radius: 8px; box-shadow: 0 0 0 3px rgba(185,145,78,.3); }
.chart-tooltip { position: absolute; z-index: 4; top: 12px; width: 220px; padding: 12px 14px; border: 1px solid rgba(255,255,255,.12); border-radius: 10px; color: white; background: rgba(7,27,47,.96); box-shadow: 0 14px 35px rgba(7,27,47,.25); pointer-events: none; transform: translateX(-50%); }
.chart-tooltip strong { display: block; margin-bottom: 7px; color: var(--aqua); font-size: .78rem; letter-spacing: .02em; }
.chart-tooltip div { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 2px 0; font-size: .7rem; }
.chart-tooltip span { color: #d7d7cf; }
.chart-tooltip b { color: white; font-size: .72rem; }
.chart-tooltip .smooth-row { margin-top: 4px; padding-top: 6px; border-top: 1px solid rgba(255,255,255,.15); }
.chart-tooltip .smooth-row span, .chart-tooltip .smooth-row b { color: #e6cf98; }
.one-percent-note { margin-top: 12px; padding: 15px 17px; display: flex; align-items: flex-start; gap: 13px; border: 1px solid #dec999; border-radius: 12px; background: linear-gradient(135deg, #f6eedc, #fffdf7); }
.one-percent-badge { width: 44px; height: 44px; flex: 0 0 auto; display: grid; place-content: center; border-radius: 50%; color: white; background: var(--aqua-dark); font-size: .82rem; font-weight: 850; }
.one-percent-note h3 { margin: 1px 0 3px; color: var(--navy); font-size: .9rem; }
.one-percent-note p { margin: 0; color: #465966; font-size: .8rem; line-height: 1.55; }
.one-percent-note small { display: block; margin-top: 4px; color: #746d62; font-size: .7rem; line-height: 1.45; }
.comparison-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-top: 12px; }
.comparison-row > div { padding: 14px 16px; display: flex; justify-content: space-between; align-items: center; gap: 10px; border-radius: 10px; background: #f3efe6; }
.comparison-row span { color: var(--muted); font-size: .75rem; }
.comparison-row strong { font-size: .9rem; }

.explain-section, .method-section, .faq-section { max-width: 1120px; margin: 0 auto; padding: 110px 24px; }
.explain-section > h2, .method-section h2, .faq-section > h2 { max-width: 700px; margin: 0; font-size: clamp(2rem, 4vw, 3.4rem); line-height: 1.08; letter-spacing: -.02em; }
.section-kicker { color: var(--aqua-dark); }
.explain-grid { margin-top: 48px; display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.explain-grid article { padding-top: 20px; border-top: 2px solid var(--navy); }
.explain-grid article > span { color: var(--aqua-dark); font-size: .72rem; font-weight: 800; }
.explain-grid h3 { margin: 20px 0 8px; font-size: 1.1rem; }
.explain-grid p { margin: 0; color: var(--muted); }
.method-section { display: grid; grid-template-columns: .9fr 1.1fr; gap: 80px; max-width: none; padding-left: max(24px, calc((100vw - 1072px)/2)); padding-right: max(24px, calc((100vw - 1072px)/2)); color: white; background: var(--navy); }
.method-section .section-kicker { color: var(--aqua); }
.method-copy { color: #d7d7cf; }
.method-copy p { margin-top: 0; margin-bottom: 20px; }
.method-copy a { color: var(--aqua); }
.method-copy strong { color: white; }
.faq-section { max-width: 900px; }
.faq-section > h2 { margin-bottom: 42px; }
.faq-section details { border-top: 1px solid #d6cec0; }
.faq-section details:last-child { border-bottom: 1px solid #d6cec0; }
.faq-section summary { padding: 20px 0; cursor: pointer; font-weight: 760; }
.faq-section details p { max-width: 720px; margin: -5px 0 22px; color: var(--muted); }

footer { padding: 52px max(24px, calc((100vw - 1120px)/2)); display: grid; grid-template-columns: 1fr 1.8fr auto; gap: 50px; color: #c8cbc8; background: #041422; font-size: .78rem; }
.footer-lockup { display: flex; align-items: center; gap: 10px; }
.footer-lockup .brand-mark { width: 35px; height: 35px; }
.footer-lockup .brand-name strong { font-size: 1.08rem; }
.footer-lockup .brand-name span { font-size: 1.03rem; }
.footer-brand p, .footer-note p { margin: 7px 0 0; }
.footer-links { display: grid; align-content: start; gap: 8px; }
.footer-links a { color: white; text-decoration: none; }
.tooltip { position: fixed; z-index: 10; max-width: 250px; padding: 10px 12px; color: white; background: #0b2136; border-radius: 8px; box-shadow: 0 8px 24px rgba(0,0,0,.2); font-size: .74rem; pointer-events: none; opacity: 0; transform: translateY(4px); transition: opacity .15s, transform .15s; }
.tooltip.show { opacity: 1; transform: translateY(0); }

@media (max-width: 1300px) {
  .site-grid { grid-template-columns: minmax(0, 1100px); }
}
@media (max-width: 820px) {
  .site-header nav { display: none; }
  .intro { padding-top: 42px; }
  .field-grid, .advanced-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .retirement-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .paycheck-summary { grid-template-columns: 1fr 1fr; }
  .paycheck-summary p { grid-column: 1 / -1; }
  .comparison-row { grid-template-columns: 1fr; }
  .approach-grid { grid-template-columns: repeat(2, 1fr); }
  .result-cards { grid-template-columns: 1fr; }
  .result-card { display: grid; grid-template-columns: 1fr auto; align-items: center; }
  .result-card strong { grid-row: 1 / 3; grid-column: 2; }
  .chart-header { display: grid; }
  #fan-chart { height: 280px; }
  .explain-grid { grid-template-columns: 1fr; gap: 24px; }
  .method-section { grid-template-columns: 1fr; gap: 35px; }
  footer { grid-template-columns: 1fr; gap: 26px; }
}
@media (max-width: 540px) {
  .site-header { height: 64px; padding: 0 18px; }
  .site-grid { padding: 0 10px; }
  .intro { padding: 38px 18px 112px; }
  .calculator-shell { border-radius: 16px; }
  .input-panel, .results-panel { padding: 24px 18px; }
  .calculator-tabs { padding: 6px; gap: 5px; }
  .calculator-tab { min-height: 54px; padding: 8px 10px; }
  .calculator-tab span { font-size: .83rem; }
  .calculator-tab small { display: none; }
  .field-grid, .advanced-grid { grid-template-columns: 1fr; }
  .inflation-option { align-items: stretch; flex-direction: column; gap: 14px; }
  .inflation-field { width: 100%; }
  .retirement-grid, .match-options, .match-grid, .paycheck-summary { grid-template-columns: 1fr; }
  .paycheck-summary p { grid-column: auto; }
  .form-footer { align-items: stretch; flex-direction: column; }
  .run-button { width: 100%; }
  .one-percent-note { padding: 14px; }
  .chart-card { padding: 14px 8px; }
  .chart-header { padding: 0 7px; }
  #fan-chart { height: 245px; }
  .chart-tooltip { width: 196px; padding: 10px 12px; }
  .explain-section, .method-section, .faq-section { padding-top: 78px; padding-bottom: 78px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}