/* MoneySize front page styles
   Palette defaults (locked):
   - Background: #f8f8f8
   - Text: #222222 (secondary #555555)
   - Accent: muted MoneySize orange (used for hover/active only)
*/

:root{
  --bg: #f8f8f8;
  --text: #222222;
  --text-2: #555555;
  --border: rgba(34,34,34,0.10);
  --shadow: 0 10px 30px rgba(0,0,0,0.06);
  --radius: 18px;

  /* Muted orange (accent only) */
  --accent: #d97a2a;
  --accent-soft: rgba(217,122,42,0.16);

  --max: 1120px;
  --pad: 18px;
  --pad-lg: 28px;

  --font: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Arial, "Apple Color Emoji", "Segoe UI Emoji";
}

*{box-sizing:border-box;}
html,body{height:100%;}
body{
  margin:0;
  font-family: var(--font);
  background: var(--bg);
  color: var(--text);
  line-height: 1.45;
}

a{color:inherit; text-decoration:none;}
a:focus-visible, button:focus-visible{
  outline: 2px solid rgba(34,34,34,0.45);
  outline-offset: 3px;
  border-radius: 10px;
}

.skip-link{
	position: absolute;
	left: -9999px;
	top: 10px;
	padding: 10px 12px;
	border-radius: 12px;
	background: rgba(255,255,255,0.95);
	border: 1px solid rgba(34,34,34,0.18);
	z-index: 9999;
}

.skip-link:focus{
	left: 10px;
}

/* UI/nav links */
.nav-link, .footer-link {
  opacity: 0.88;
}
.nav-link:hover, .footer-link:hover{
  opacity: 1;
  color: var(--text);
}
.nav-link{
  padding: 10px 12px;
  border-radius: 12px;
  font-weight: 600;
  letter-spacing: 0.1px;
}
.nav-link:hover{
  background: rgba(34,34,34,0.035);
}
.nav-link[aria-disabled="true"],
.btn[aria-disabled="true"]{
  cursor: default;
  pointer-events: none;
  opacity: 0.55;
}

/* Content/reading links */
.content-link{
  text-decoration: none;
  border-bottom: 1px solid rgba(34,34,34,0.22);
  opacity: 0.92;
}
.content-link:hover{
  border-bottom-color: var(--accent);
  color: var(--text);
  opacity: 1;
}

/* Header contract */
.site-header{
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--bg);
  border-bottom: 1px solid var(--border);
}

.header-inner{
  max-width: var(--max);
  margin: 0 auto;
  min-height: 68px;                 /* normalize height */
  padding: 10px clamp(14px, 3vw, 26px);
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 12px;
}

.hero-inner{
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 clamp(14px, 3vw, 26px);
}

/* Logo */
.logo-link{
  display: flex;
  align-items: center;
}
.logo-text{
  font-weight: 750;
  letter-spacing: 0.2px;
  font-size: 1.25rem;
  color: var(--accent); /* #d97a2a */
  display: flex;
  align-items: center;
}

/* Navigation */
.primary-nav{
  display: flex;
  justify-content: center;
  gap: 6px;
  flex-wrap: nowrap;
}

.header-actions{height:1px;}

/* Hamburger (mobile only) */
.hamburger{
  display: none;
  background:
    linear-gradient(var(--text), var(--text)) center center / calc(100% - 16px) 2px no-repeat,
    rgba(34,34,34,0.025);
  border: 1px solid rgba(34,34,34,0.10);
  border-radius: 12px;
  width: 40px;
  height: 40px;
  cursor: pointer;
  position: relative;
}

.hamburger::before,
.hamburger::after{
  content:"";
  position:absolute;
  left:8px;
  right:8px;
  height:2px;
  background: var(--text);
}

.hamburger::before{ top:12px; }
.hamburger::after{ bottom:12px; }

@media (max-width: 720px){

  .header-inner{
    grid-template-columns: auto 1fr auto;
  }

  .hamburger{
    display: block;
    justify-self: end;
  }

  .primary-nav{
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--bg);
    border-bottom: 1px solid var(--border);
    display: none;
    flex-direction: column;
    padding: 12px 18px;
  }

  .site-header.nav-open .primary-nav{
    display: flex;
  }

  .nav-link{
    padding: 8px 10px;
    font-weight: 600;
  }

  .header-actions{display:none;}
}

.content-inner{
  max-width: var(--max);
  margin: 0 auto;
  padding: 26px clamp(14px, 3vw, 26px) 40px;
}
.grid{
  display: grid;
  grid-template-columns: 1.4fr 0.8fr;
  gap: 18px;
  align-items: start;
}
@media (max-width: 920px){
  .grid{grid-template-columns: 1fr; }
}

.card{
  background: rgba(255,255,255,0.55);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: var(--pad-lg);
  backdrop-filter: blur(6px);
}
.card h2{
  margin: 0 0 12px 0;
  font-size: 1.15rem;
  font-weight: 650;
  letter-spacing: 0.05px;
}
.card p{
  margin: 0 0 12px 0;
  color: var(--text-2);
}
.small{
  font-size: 0.92rem;
  color: var(--text-2);
  margin: 12px 0 0 0;
}

/* Secondary cards: lighter emphasis than hero cards */
.card-secondary {
	max-width: 760px;
	padding: 22px 24px;
}

.card-secondary h2 {
	font-size: 1.05rem;
	font-weight: 650;
}

.card-secondary p {
	font-size: 0.95rem;
	line-height: 1.5;
}

.page-default .card-secondary {
  max-width: none;
}


/* Privacy opt-out status panel */
.privacy-status{
	margin-top: 18px;
	padding: 14px 16px;
	border: 1px solid rgba(34,34,34,0.18);
	border-radius: 14px;
	background: rgba(34,34,34,0.04);
}

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

.privacy-status p{
	margin: 6px 0 0 0;
	font-size: 0.95rem;
	color: var(--text-2);
}

.page-effective-date {
	margin-top: 0.5rem;
	font-size: 0.9rem;
	color: #555;
}


/* Buttons */
.btn{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 11px 14px;
  border-radius: 14px;
  font-weight: 650;
  border: 1px solid rgba(34,34,34,0.16);
  background: rgba(255,255,255,0.40);
}
.btn:hover{
  border-color: rgba(34,34,34,0.22);
  background: rgba(255,255,255,0.55);
}
.btn-primary{
  border-color: rgba(34,34,34,0.18);
}

.btn-primary:hover{
  border-color: rgba(34,34,34,0.28);
  background: rgba(255,255,255,0.60);
}
.btn-secondary:hover{
  box-shadow: 0 0 0 6px rgba(34,34,34,0.06);
}
.btn-small{
  padding: 9px 12px;
  border-radius: 12px;
}

/* button style - no coloring */
.btn-neutral{
	display: inline-flex;
	align-items: center;
	justify-content: center;
	gap: 8px;
	padding: 9px 12px;
	border-radius: 12px;
	font-weight: 650;
	border: 1px solid rgba(34,34,34,0.18);
	background: rgba(34,34,34,0.04);
	color: var(--text);
	cursor: pointer;
}

.btn-neutral:hover{
	background: rgba(34,34,34,0.08);
	border-color: rgba(34,34,34,0.28);
}

.btn-neutral:active{
	background: rgba(34,34,34,0.12);
}

.btn-neutral:focus-visible{
	outline: 2px solid rgba(34,34,34,0.30);
	outline-offset: 3px;
}

/* Icon-only utility buttons (repeatable section controls) */
.btn-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.btn-icon__svg {
  width: 18px;
  height: 18px;
  color: #3f3f3f; /* darker than border = visible but neutral */
}

.btn-icon:hover .btn-icon__svg {
  color: #222;
}

/* Accessibility */
.btn-icon:focus-visible {
  outline-offset: 2px;
}










#cookie-notice:empty{
	display: none;
}


/* Quiet list */
.quiet-list{
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 10px;
}
.quiet-list li{
  display: grid;
  grid-template-columns: 14px 1fr;
  gap: 10px;
  color: var(--text-2);
  align-items: start;
}
.dot{
  width: 10px;
  height: 10px;
  border-radius: 999px;
  margin-top: 6px;
  background: rgba(34,34,34,0.22);
}

/* Footer contract */
.site-footer{
  border-top: 1px solid var(--border);
  padding: 28px 0 18px;
}
.footer-top{
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 clamp(14px, 3vw, 26px);
  display: grid;
  grid-template-columns: 1.3fr 0.85fr 0.85fr;
  gap: 18px;
}
.footer-title{
  font-weight: 700;
  margin-bottom: 10px;
  opacity: 0.92;
}
.footer-link{
  display: block;
  padding: 7px 0;
  opacity: 0.80;
}
.footer-identity .footer-brand{
  font-weight: 750;
  letter-spacing: 0.2px;
  margin-bottom: 6px;
}
.footer-copy{
  color: var(--text-2);
  font-size: 0.95rem;
}
.footer-bottom{
  max-width: var(--max);
  margin: 14px auto 0;
  padding: 0 clamp(14px, 3vw, 26px);
}

.footer-privacy-link{
  display: inline-flex;
  align-items: center;
  gap: 8px;
  line-height: 1.25; 
}

.footer-privacy-link .privacy-icon{
  width: auto;
  height: 1.25em;
  opacity: 0.8;
  flex-shrink: 0;
}

.disclaimer{
  margin: 0;
  color: var(--text-2);
  font-size: 0.92rem;
}
@media (max-width: 820px){
  .footer-top{grid-template-columns: 1fr; }
}

/* Cookie notice */
.cookie-notice{
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  padding: 10px;
  display: none;
  z-index: 100;
}
.cookie-notice.show{display:block;}
.cookie-inner{
  max-width: var(--max);
  margin: 0 auto;
  background: rgba(255,255,255,0.75);
  border: 1px solid var(--border);
  border-radius: 16px;
  box-shadow: var(--shadow);
  padding: 12px 14px;
  display: flex;
  gap: 12px;
  align-items: center;
  justify-content: space-between;
  backdrop-filter: blur(10px);
}
.cookie-text{
  color: var(--text-2);
  font-size: 0.95rem;
  line-height: 1.35;
  max-width: 80ch;
}
@media (max-width: 680px){
  .cookie-inner{
    flex-direction: column;
    align-items: stretch;
  }
  .cookie-text{max-width: none;}
}

/* Ads Infrastructure Contract:
   - Empty containers must not affect layout.
   - Ads are shown/hidden by ads.js, not by CSS assumptions.
*/
.ad-slot{
  display: none; /* empty containers: no layout impact */
}
.ad-slot.is-active{
  display: block;
  border: 1px solid rgba(34,34,34,0.10);
  border-radius: 16px;
  background: rgba(255,255,255,0.35);
}
.ad-slot-banner{
  margin-top: 18px;
  min-height: 90px;
}
.ad-slot-inline{
  margin-top: 16px;
  min-height: 120px;
}
.ad-slot-sidebar{
  margin-top: 18px;
  min-height: 250px;
}
.ad-slot-footer{
  margin: 14px auto 0;
  max-width: var(--max);
  padding: 0 clamp(14px, 3vw, 26px);
  min-height: 90px;
}

/* Front-page intro (tagline + sub-tag) */
.page-intro {
  padding-top: 12px;
  padding-bottom: 8px;
}

.page-intro-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 clamp(14px, 3vw, 26px);
}


/* Tighten tag/sub-tag relationship */
.page-intro h1 {
  margin: 0 0 6px 0;
}

.page-intro p {
  margin: 0;
}

/* Hero card layout */
.section-divider {
  display: flex;
  align-items: center;
  gap: 18px;
  margin: 26px 0 18px 0;
}

.section-divider::before,
.section-divider::after {
  content: "";
  flex: 1;
  height: 1px;
  background: rgba(34, 34, 34, 0.12);
}

.section-divider .section-title {
  white-space: nowrap;
}

.section-title {
  font-size: 1.15rem;
  font-weight: 650;
  letter-spacing: 0.05px;
  margin: 0;
}

.hero-grid {
  align-items: flex-start;
}

/* Hero fundamentals panel */
.hero-fundamentals {
  background: rgba(255,255,255,0.6);
  border-radius: 10px;
  padding: 20px 22px;
  overflow: hidden;
  
  box-shadow:
    0 12px 28px rgba(0,0,0,0.12),
    0 2px 6px rgba(0,0,0,0.05);  
}

/* Header strip (muted orange) */
.hero-fundamentals-header {
  background: var(--accent);
  margin: -20px -22px 12px -22px; /* pull strip to edges without moving padding model */
  padding: 12px 16px;
}

.hero-fundamentals-header h3 {
  margin: 0;
  font-size: 1.05rem;
  font-weight: 650;
  color: #fff;
}

.hero-main .btn-primary {
  background: var(--accent);
  color: #fff;
  border: none;
}

.hero-main .btn-primary:hover {
  background: rgba(217,122,42,0.9);
}

.fundamentals-list {
  list-style: none;
  padding: 0;
  margin: 0;
}

.fundamentals-list li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
}

.fundamentals-list .dot {
  width: 8px;
  height: 8px;
  margin-top: 6px;
  border-radius: 50%;
  background: var(--accent);
  opacity: 0.35;
  flex-shrink: 0;
}

/* flat article-style content */
.content-article{
	max-width: var(--max);
	margin: 0 auto;
	padding: 26px clamp(14px, 3vw, 26px) 40px;
}

.content-article-inner{
	max-width: 84ch; /* readable line length */
	margin: 0;
}

.content-article p{
	margin: 0 0 14px 0;
	color: var(--text-2);
}

.content-article p:last-child{
	margin-bottom: 0;
}

.content-article .section-divider{
	margin: 32px 0 18px 0;
}

.content-article .section-title{
	font-size: 1.05rem;
	font-weight: 650;
	letter-spacing: 0.05px;
}

.content-article .quiet-list{
	margin: 10px 0 14px 0;
}

.content-article .quiet-list li{
	color: var(--text-2);
}



/* ===============================
   Learn Page – Reference Tiles
   =============================== */

.page-learn{
	min-height: calc(100vh - 68px);
}

.learn-shell{
	max-width: var(--max);
	margin: 0 auto;
	padding: 22px clamp(14px, 3vw, 26px);
}

.learn-title{
	margin: 0 0 18px 0;
	font-size: 1.55rem;
	font-weight: 650;
}

/* Two-column layout: content + future RHS */
.learn-layout{
	display: grid;
	grid-template-columns: minmax(0, 720px) 1fr;
	gap: 24px;
}

/* Grid of tiles */
.learn-grid{
	display: grid;
	grid-template-columns: repeat(2, 1fr);
	gap: 16px;
}

/* Tile base */
.learn-tile{
	display: grid;
	grid-template-rows: auto 1fr auto;
	gap: 8px;
	padding: 18px 18px 16px;
	border-radius: 16px;
	border: 2px solid transparent;
	background: rgba(255,255,255,0.6);
	box-shadow: 0 0 0 1px var(--border) inset, 0 6px 18px rgba(0,0,0,0.06);
	color: inherit;
	text-decoration: none;
}

.learn-tile:hover,
.learn-tile:focus-visible{
	background: rgba(255,255,255,0.97);
	border-color: var(--accent);
	box-shadow:
		0 0 0 1px rgba(34,34,34,0.06) inset,
		0 18px 40px rgba(0,0,0,0.16),
		0 2px 6px rgba(0,0,0,0.06);
}


.learn-tile:hover h2,
.learn-tile:focus-visible h2{
	color: var(--accent);
}




/* Text */
.learn-tile h2{
	margin: 0;
	font-size: 1.05rem;
	font-weight: 650;
}

.learn-tile p{
	margin: 0;
	font-size: 0.95rem;
	color: var(--text-2);
	line-height: 1.4;
	max-width: 48ch;
}

.learn-meta{
	font-size: 0.85rem;
	color: var(--text-2);
	opacity: 0.85;
}

/* ===============================
   Learn Tile Variants
   =============================== */

/* Compact tiles (title-only, vertically centered) */
.learn-tile--compact{
	grid-template-rows: 1fr;
	align-items: center;
	padding: 22px 20px;
}

.learn-tile--compact h2{
	text-align: left;
	font-weight: 500;
}

/* Detailed tiles (default behavior) */
.learn-tile--detailed{
	grid-template-rows: auto 1fr auto;
}

/* Disabled tile */
.learn-disabled{
	cursor: default;
	background: rgba(255,255,255,0.45);
	box-shadow: none;
}

.learn-disabled:hover{
	border-color: var(--border);
	background: rgba(255,255,255,0.45);
	box-shadow: none;
}

.learn-disabled *{
	opacity: 0.75;
	color: var(--text-2) !important;
}

/* RHS placeholder */
.learn-aside{
	min-height: 1px;
}

/* Mobile */
@media (max-width: 900px){
	.learn-layout{
		grid-template-columns: 1fr;
	}
	.learn-grid{
		grid-template-columns: 1fr;
	}
}



.spaced-list li{
	margin-bottom: 0.9em;
}


/* ===============================
   PFCalc Results – Report Layout
   =============================== */

.pfcalc-shell{
	max-width: var(--max);
	margin: 0 auto;
	padding: 22px clamp(14px, 3vw, 26px) 40px;
	display: grid;
	gap: 28px;
}

/* Intro */
.pfcalc-intro h1{
	margin: 0 0 6px 0;
	font-size: 1.4rem;
	font-weight: 650;
}

/* Assumptions block (replaces old coverage styling) */
.pfcalc-disclaimer{
	font-size: 0.9rem;
	color: var(--text-2);
	padding: 14px 16px;
	border-radius: 14px;
	background: rgba(34,34,34,0.035);
	border: 1px solid rgba(34,34,34,0.08);
	margin-bottom: 22px;
}

.pfcalc-disclaimer .small{
	margin: 0 0 10px 0;
}

.pfcalc-disclaimer .small:last-child{
	margin-bottom: 0;
}

/* Coverage line + JS-filled spans */
.pfcalc-coverage-line{
	display: block;
}

/* Space between coverage label and list */
.pfcalc-coverage-line span{
	margin-left: 0.35em;
}


#pfcalc-coverage-provided,
#pfcalc-coverage-not-provided{
	display: inline;
}

/* When empty, JS will set to "—" (we style it consistently) */
.pfcalc-coverage-line .is-empty{
	color: var(--text-2);
	font-style: italic;
}

/* ===============================
   Section Blocks
   =============================== */

.pfcalc-section{
	display: grid;
	gap: 12px;
	padding-top: 18px;
	margin-top: 28px;
	border-top: 2px solid rgba(34,34,34,0.18);
}

.pfcalc-section:first-child{
	border-top: none;
	padding-top: 0;
	margin-top: 0;
}

.pfcalc-section h2{
	margin: 0;
	font-size: 1.15rem;
	font-weight: 650;
}

.pfcalc-section .small{
	margin-top: -4px;
	color: var(--text-2);
	max-width: 90ch;
}

/* ===============================
   Rule Rows (Report Style)
   =============================== */

.pfcalc-rule-row{
	display: grid;
	grid-template-columns: minmax(220px, 1fr) minmax(160px, auto);
	gap: 18px;
	padding: 10px 0;
	border-bottom: 1px solid rgba(34,34,34,0.08);
	align-items: baseline;
}

.pfcalc-rule-row:hover{
	background: rgba(34,34,34,0.02);
}

.pfcalc-rule-row:last-child{
	border-bottom: none;
}

.pfcalc-rule-label{
	font-size: 0.95rem;
	font-weight: 600;
	color: var(--text);
}

.pfcalc-rule-output{
	font-size: 0.95rem;
	font-weight: 500;
	color: var(--text);
	text-align: right;
	white-space: normal;
}

/* Secondary explanation / metadata */
.pfcalc-rule-meta{
	grid-column: 1 / -1;
	font-size: 0.92rem;   /* match .small */
	font-weight: 400;     /* ensure understated */
	color: var(--text-2);
	margin-top: 4px;
	max-width: 90ch;      /* match section desc feel */
}


/* Empty state styling */
.pfcalc-rule-output.is-empty{
	color: var(--text-2);
	font-style: italic;
}

/* PFCalc rule summary (stacked, left-aligned) */
.pfcalc-rule-output-stacked{
  font-weight: 600;
  text-align: left;
  margin-top: 6px;
}

.pfcalc-rule-output-stacked > div{
  margin-top: 4px;
}


/* ===============================
   Mobile
   =============================== */

@media (max-width: 720px){

	.pfcalc-shell{
		padding: 16px 14px 32px;
	}

	.pfcalc-rule-row{
		grid-template-columns: 1fr;
		gap: 6px;
	}

	.pfcalc-rule-output{
		text-align: left;
	}
}

/* ===============================
   PFCalc Results – Ads Layout
   Desktop: RHS sidebar ad
   <= 920px: stack + footer ad
   =============================== */

.pfcalc-layout{
	display: grid;
	grid-template-columns: minmax(0, 1fr) 340px;
	gap: 18px;
	align-items: start;
}

@media (max-width: 920px){
	.pfcalc-layout{
		grid-template-columns: 1fr;
	}
}

.pfcalc-main{
	min-width: 0;
}

.pfcalc-aside{
	min-height: 1px;
}

/* ===============================
   Global Ad Placement Rules
   Authority:
   - CSS controls placement eligibility
   - ads.js controls activation (.is-active)
   Breakpoint: 920px
   =============================== */

/* Desktop: allow sidebar ads */
@media (min-width: 921px){
	.ad-slot-sidebar.is-active{
		display: block;
	}
}

/* Tablet & Mobile: allow footer ads */
@media (max-width: 920px){
	.ad-slot-footer.is-active{
		display: block;
	}
}


/* ===============================
   PFCalc Form – Readable + Modern
   Scope: .pfcalc-form only
   =============================== */

.pfcalc-form{
	max-width: 760px;
}

/* Section rhythm (keeps your existing pfcalc-section semantics intact) */
.pfcalc-form .pfcalc-form-section{
	margin-top: 34px;
	padding-top: 22px;
	border-top: 2px solid rgba(34,34,34,0.12);
}

.pfcalc-form .pfcalc-form-section:first-child{
	margin-top: 0;
	padding-top: 0;
	border-top: none;
}

.pfcalc-form .pfcalc-form-section h2{
	margin: 0 0 16px 0;
	font-size: 1.15rem;
	font-weight: 650;
	letter-spacing: 0.05px;
}

/* Subsections (fieldset) */
.pfcalc-form .pfcalc-subsection{
	margin: 0 0 18px 0;
	padding: 16px 16px 6px 16px;
	border: 1px solid rgba(34,34,34,0.10);
	border-radius: 16px;
	background: rgba(255,255,255,0.55);
	box-shadow: 0 6px 18px rgba(0,0,0,0.05);
}

.pfcalc-form .pfcalc-legend{
	padding: 0 6px;
	font-size: 0.92rem;
	font-weight: 650;
	color: var(--text-2);
}

/* Field blocks */
.pfcalc-form .pfcalc-field{
	display: flex;
	flex-direction: column;
	gap: 6px;
	margin-bottom: 16px;
}

.pfcalc-form .pfcalc-field label{
	font-size: 0.86rem;
	font-weight: 650;
	color: var(--text-2);
}

/* Inputs & selects */
.pfcalc-form input,
.pfcalc-form select{
	width: 100%;
	height: 48px;
	padding: 10px 14px;
	font-size: 1rem;
	font-weight: 500;
	border-radius: 14px;
	border: 1px solid rgba(34,34,34,0.18);
	background: rgba(255,255,255,0.70);
	color: var(--text);
}

.pfcalc-form input[type="number"]{
	font-variant-numeric: tabular-nums;
}

/* Placeholder: keep subtle (you asked text unchanged, so we keep placeholders) */
.pfcalc-form input::placeholder{
	color: rgba(85,85,85,0.70);
}

/* Focus */
.pfcalc-form input:focus,
.pfcalc-form select:focus{
	outline: none;
	border-color: rgba(34,34,34,0.32);
	background: #fff;
	box-shadow: 0 0 0 6px rgba(34,34,34,0.06);
}

/* Paired/range fields: 2-column on desktop, stack on mobile */
.pfcalc-form .pfcalc-field-group{
	display: grid;
	grid-template-columns: 1fr 1fr;
	gap: 14px;
	margin-bottom: 16px;
}

/* Checkboxes */
.pfcalc-form .pfcalc-checkbox{
	display: inline-flex;
	align-items: center;
	gap: 10px;
	margin: 4px 0 14px 0;
	font-weight: 600;
	color: var(--text);
}

.pfcalc-form .pfcalc-checkbox input{
	width: 18px;
	height: 18px;
	padding: 0;
	border-radius: 6px;
}

/* Arrays: keep your existing behavior; improve spacing + readability */
.pfcalc-form .pfcalc-array{
	margin-top: 18px;
	padding-top: 14px;
	border-top: 1px solid rgba(34,34,34,0.08);
}

.pfcalc-form .pfcalc-array .btn{
	margin-bottom: 10px;
}

/* Template remains present for your current setup; keep it readable but visually "secondary" */
.pfcalc-form .array-template{
	padding: 12px 12px 2px 12px;
	border-radius: 14px;
	background: rgba(34,34,34,0.03);
	border: 1px dashed rgba(34,34,34,0.14);
}

/* Space between repeatable rows */
.pfcalc-form [data-row]{
  margin-bottom: 22px;
}

/* Remove extra space after last row */
.pfcalc-form [data-row]:last-child{
  margin-bottom: 0;
}


/* Submit */
.pfcalc-form .pfcalc-submit{
	margin-top: 28px;
}

/* Mobile */
@media (max-width: 720px){

	.pfcalc-form{
		max-width: none;
	}

	.pfcalc-form .pfcalc-field-group{
		grid-template-columns: 1fr;
		gap: 10px;
	}

	.pfcalc-form .pfcalc-submit .btn{
		width: 100%;
	}
}

/* Section exit links (Learn, Economy, long-form content) */
.section-link{
  font-weight: 600;
  border-bottom: 1px solid rgba(34,34,34,0.25);
  padding-bottom: 1px;
  opacity: 0.9;
}

.section-link:hover{
  border-bottom-color: var(--accent);
  opacity: 1;
}

.section-link:focus-visible{
  outline: 2px solid rgba(34,34,34,0.45);
  outline-offset: 3px;
  border-radius: 6px;
}

/* Learn article table — paragraph-level, not UI */
.content-article-inner .learn-table{
  width: 100%;
  border-collapse: collapse;
  margin: 20px 0 28px; /* matches paragraph rhythm */
  font-size: inherit;
  line-height: inherit;
}

/* Cells behave like text blocks */
.content-article-inner .learn-table th,
.content-article-inner .learn-table td{
  padding: 10px 12px;
  text-align: left;
  vertical-align: top;
  border-bottom: 1px solid var(--border);
}

/* Headers align with article emphasis */
.content-article-inner .learn-table th{
  font-weight: 600;
  color: var(--text);
}

/* Remove hard stop at bottom */
.content-article-inner .learn-table tbody tr:last-child td{
  border-bottom: none;
}

/* Mobile: scroll instead of distortion */
@media (max-width: 720px){
  .content-article-inner .learn-table{
    display: block;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
  }
}

/* ======================================================
   Economy Snapshot – Instrument Layout
   ====================================================== */
/* ======================================================
   Economy Snapshot — Locked Responsive Contract
   ====================================================== */

/* BASE (mobile-first, also used by tablet) */
.econ-snapshot{
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.econ-snapshot li{
  display: grid;
  grid-template-columns: 14px 1fr;
  row-gap: 6px;
  column-gap: 12px;
  align-items: start;
}

/* dot */
.econ-snapshot .dot{
  margin-top: 6px;
}

/* indicator name */
.econ-label{
  grid-column: 2;
  font-weight: 650;
}

/* value + arrow */
.econ-value{
  grid-column: 2;
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}

/* note */
.econ-note{
  grid-column: 2;
  font-size: 0.92rem;
  color: var(--text-2);
  white-space: normal; /* mobile wrap locked */
}

/* updated */
.econ-updated{
  grid-column: 2;
  font-size: 0.82rem;
  color: var(--text-2);
  white-space: normal; /* mobile wrap locked */
}

/* ======================================================
   DESKTOP ONLY — At-a-Glance Snapshot (no scroll)
   ====================================================== */

@media (min-width: 1025px){

  .econ-snapshot{
    gap: 8px; /* tighter vertical rhythm */
  }

  .econ-snapshot li{
    grid-template-columns:
      14px                      /* dot */
      minmax(200px, 240px)      /* indicator */
      90px                      /* value + arrow */
      minmax(240px, 1fr)        /* note (flex) */
      160px;                    /* updated */
    column-gap: 16px;
    row-gap: 0;
    align-items: baseline;
  }

  .econ-label{
    grid-column: auto;
    white-space: nowrap;
  }

  .econ-value{
    grid-column: auto;
    text-align: right;
    white-space: nowrap;
  }

  .econ-note{
    grid-column: auto;
    white-space: nowrap; /* wrap ONLY if row cannot fit */
  }

  .econ-updated{
    grid-column: auto;
    white-space: nowrap;
    text-align: left;
  }
}


/* ===============================
   PFCalc Summary – Section Blocks
   =============================== */

.summary-section {
  display: none; /* JS activates */
  margin-top: 32px;
  padding-top: 18px;
  border-top: 2px solid rgba(34,34,34,0.18);
}

.summary-section:first-of-type {
  border-top: none;
  padding-top: 0;
  margin-top: 0;
}

.summary-section h2 {
  margin: 0 0 14px 0;
  font-size: 1.15rem;
  font-weight: 650;
}

.section-body {
  display: grid;
  gap: 18px;
}

/* ===============================
   Summary Blocks
   =============================== */

.summary-block {
  background: rgba(255,255,255,0.55);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 22px;
  box-shadow: var(--shadow);
}

.summary-block-header {
  display: grid;
  gap: 6px;
  margin-bottom: 12px;
}

.summary-block-title {
  font-size: 1rem;
  font-weight: 650;
}

.summary-block-value {
  font-size: 1.35rem;
  font-weight: 700;
}

.summary-block-desc {
  font-size: 0.92rem;
  color: var(--text-2);
}

/* Chart placeholder */
.summary-chart {
  margin-top: 14px;
  min-height: 160px;
  border-radius: 12px;
  background: rgba(34,34,34,0.05);
}






/* Muted orange anchor button (explicit opt-in) */
.btn-orange{
  background: var(--accent);
  color: #ffffff;
  border: none;
}

.btn-orange:hover{
  background: rgba(217,122,42,0.90);
}

.btn-orange:active{
  background: rgba(217,122,42,0.85);
}


.pfcalc-premium-marker{
  margin-left: 8px;
  font-size: 0.72rem;
  font-weight: 600;
  padding: 2px 8px;
  border-radius: 999px;
  border: 1px solid rgba(34,34,34,0.25);
  color: rgba(34,34,34,0.65);
  vertical-align: middle;
}







/* ============================
   Snapshots layout
   ============================ */

/* --- Assets / Liabilities tables --- */
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.snapshot-table h4 {
  font-size: 0.95rem;
  font-weight: 650;
  margin-bottom: 10px;
}

.snapshot-table table {
  width: 100%;
  border-collapse: collapse;
}

.snapshot-table td {
  padding: 6px 0;
  font-size: 0.92rem;
  color: var(--text-2);
}

.snapshot-table td.num {
  text-align: right;
  font-variant-numeric: tabular-nums;
}

.snapshot-table tr.total td {
  padding-top: 8px;
  border-top: 1px solid rgba(34,34,34,0.12);
  font-weight: 650;
  color: var(--text);
}

/* --- Cash flow trio --- */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.grid-3 h4 {
  font-size: 0.9rem;
  font-weight: 650;
  margin-bottom: 6px;
  color: var(--text-2);
}

.grid-3 .snapshot-value {
  font-size: 1.6rem;
  font-weight: 650;
}

/* --- Donut + legend --- */
.donut-wrap {
  display: flex;
  gap: 28px;
  align-items: flex-start;
}

/* --- Donut (self-labeling) --- */
.donut-svg {
  display: block;
  margin: 0 auto;
}

.donut-slice {
  stroke: #fff;
  stroke-width: 2;
}

/* extendable color palette (cycles automatically) */
.slice-0  { fill: #7b9bd0; }
.slice-1  { fill: #e8c27c; }
.slice-2  { fill: #93c88e; }
.slice-3  { fill: #d98989; }
.slice-4  { fill: #c3a0d8; }
.slice-5  { fill: #f1b77a; }
.slice-6  { fill: #79c6c4; }
.slice-7  { fill: #bdbdbd; }
.slice-8  { fill: #9fa8da; }
.slice-9  { fill: #aed581; }
.slice-10 { fill: #ffcc80; }
.slice-11 { fill: #bcaaa4; }

/* Donut labels (no legend) */
.donut-label{
  font-size: 0.82rem;
  fill: rgba(34,34,34,0.75);
}

.donut-label-name{
  font-weight: 600;
}

.donut-label-value{
  fill: rgba(34,34,34,0.9);
}


/* Net Worth emphasis + centering */
.snapshot-networth{
  text-align: center;
  padding: 16px 28px;
  background: rgba(255,255,255,0.55);
  border: 1px solid rgba(34,34,34,0.18);
  border-radius: 16px;
}

.snapshot-networth h3{
  margin: 0 0 6px 0;
}

.snapshot-networth .snapshot-value{
  font-size: 2.4rem;
  font-weight: 700;
}

/* ---- Snapshots spacing cleanup (don’t stack gap + margins) ---- */
#section-snapshots .section-body{
  gap: 14px; /* was 18px global */
}

#section-snapshots .snapshot-block{
  margin-bottom: 0; /* was 36px, this was causing the big vertical gaps */
}

/* also kill default heading margins inside snapshot blocks (browser defaults can add extra vertical space) */
#section-snapshots .snapshot-block h3,
#section-snapshots .snapshot-block h4{
  margin-top: 0;
}



/* ===============================
   Diagnostics layout
   =============================== */

.diagnostic-row{
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(34,34,34,0.08);
}

.diagnostic-row:last-child{
  border-bottom: none;
}

.diagnostic-number{
  font-weight: 650;
  color: var(--text-2);
}

.diagnostic-text{
  font-size: 0.95rem;
  color: var(--text);
  max-width: 90ch;
}






/* ===============================
   Home – PFCalc Hero
   =============================== */

.content-pfcalc-hero .content-inner{
  padding-top: 10px;
}

.section-divider-pfcalc{
  margin-top: 18px;
}

.hero-card-pfcalc{
  background: rgba(255,255,255,0.50);
  box-shadow:
    0 18px 46px rgba(0,0,0,0.10),
    0 2px 8px rgba(0,0,0,0.05);
  border-color: rgba(34,34,34,0.12);
}

.pfcalc-hero-grid{
  grid-template-columns: 1.25fr 0.95fr;
  gap: 22px;
  align-items: center;
}

@media (max-width: 920px){
  .pfcalc-hero-grid{
    grid-template-columns: 1fr;
    align-items: start;
  }
}

/* LEFT — untouched */
.pfcalc-kicker{
  margin: 0 0 8px 0;
  font-size: 0.86rem;
  font-weight: 700;
  letter-spacing: 0.08px;
  color: rgba(34,34,34,0.62);
  text-transform: uppercase;
}

.pfcalc-hero-title{
  margin: 0 0 12px 0;
  font-size: 1.65rem;
  line-height: 1.15;
  font-weight: 750;
}

.pfcalc-hero-main p{
  margin: 0 0 12px 0;
  color: var(--text-2);
  max-width: 64ch;
}

.pfcalc-hero-actions{
  margin-top: 16px;
}

.pfcalc-hero-footnote{
  margin-top: 14px;
}

/* RIGHT PANEL */
.pfcalc-hero-artifact{
  display: flex;
  justify-content: center;
}

.pfcalc-snapshot-panel{
  width: min(460px, 100%);
  background: rgba(255,255,255,0.85);
  border: 1px solid rgba(34,34,34,0.18);
  border-radius: 16px;
  overflow: hidden;
  box-shadow:
    0 14px 36px rgba(0,0,0,0.14),
    0 2px 8px rgba(0,0,0,0.06);
}

/* HEADER */
.pfcalc-snapshot-header{
  background: var(--accent);
  padding: 12px 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.pfcalc-snapshot-title{
  font-size: 1.05rem;
  font-weight: 700;
  color: #fff;
}

.pfcalc-snapshot-dots{
  display: flex;
  gap: 8px;
}

.pfcalc-dot{
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(255,255,255,0.6);
}

/* BODY */
.pfcalc-snapshot-body{
  padding: 12px 16px;
}

.pfcalc-snapshot-row{
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(34,34,34,0.10);
  align-items: center;
}

.pfcalc-snapshot-row:last-child{
  border-bottom: none;
}

.pfcalc-snapshot-label{
  font-weight: 650;
  color: rgba(34,34,34,0.78);
}

/* LINE BARS */
.pfcalc-bars{
  display: inline-flex;
  gap: 10px;
  align-items: center;
}

.pfcalc-bar{
  height: 6px;
  border-radius: 999px;
  background: rgba(34,34,34,0.18);
}

/* Row-specific widths */
.bar-a{ width: 64px; }
.bar-b{ width: 48px; }
.bar-c{ width: 56px; }
.bar-d{ width: 40px; }

/* Highlighted bar */
.pfcalc-bar.accent{
  background: rgba(217,122,42,0.90);
}

/* FLEXIBILITY SIGNALS */
.pfcalc-chips{
  display: inline-flex;
  gap: 6px;
}

.pfcalc-chip{
  width: 26px;
  height: 8px;
  border-radius: 6px;
  background: rgba(34,34,34,0.18);
}

.pfcalc-chip.warm{
  background: rgba(217,122,42,0.35);
}

.pfcalc-chip.accent{
  background: rgba(217,122,42,0.90);
}

/* FOOTNOTE */
.pfcalc-snapshot-note{
  margin-top: 10px;
  padding-top: 10px;
  border-top: 1px solid rgba(34,34,34,0.10);
  font-size: 0.90rem;
  color: rgba(34,34,34,0.62);
}

.hero-card-pfcalc{
  background: #f2f4f7;
}