/* ============================================================
   TaxCalc Pro - Global Stylesheet
   Responsive, lightweight, no external CSS dependencies
   ============================================================ */

:root {
  --color-bg: #f8f9f5;
  --color-surface: #ffffff;
  --color-text: #183d35;
  --color-text-muted: #68746b;
  --color-primary: #205c47;
  --color-primary-dark: #153e31;
  --color-border: #e0e5db;
  --color-federal: #2563eb;
  --color-state: #f59e0b;
  --color-fica: #10b981;
  --color-net: #0f766e;
  --color-penalty: #ef4444;
  --color-success-bg: #ecfdf5;
  --shadow-sm: 0 2px 6px rgba(24, 61, 53, 0.025);
  --shadow-md: 0 12px 32px rgba(24, 61, 53, 0.08);
  --radius: 16px;
  --radius-sm: 8px;
  --max-width: 1280px;
  --font: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }
section[id], h2[id] { scroll-margin-top: 110px; }
img { display: block; max-width: 100%; }
button, input, select, textarea { font-family: inherit; }
button, a, input, select, textarea { -webkit-tap-highlight-color: transparent; }
:focus-visible { outline: 3px solid #8ba883; outline-offset: 5px; }
::selection { color: #153e31; background: #d5e7bd; }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--color-text);
  background: var(--color-bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a { color: var(--color-primary); text-decoration: none; }
a:hover { text-decoration: underline; }

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------------- Header ---------------- */
.site-header {
  background: rgba(248, 249, 245, .96);
  border-bottom: 1px solid var(--color-border);
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: blur(12px);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
   min-height: 88px;
}
.logo {
  font-size: 23px;
  font-weight: 750;
  color: var(--color-text);
  letter-spacing: -0.3px;
  display: flex;
  align-items: center;
  gap: 9px;
  flex-shrink: 0;
}
.logo .logo-mark {
  display: inline-flex;
  width: 38px; height: 42px;
  background: var(--color-primary);
  color: #fff;
  border-radius: 11px;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  font-weight: 800;
}
.logo:hover { text-decoration: none; }
.logo-mark svg { width: 25px; height: 25px; }
.logo-pro { font-weight: 400; margin-left: -7px; }
.skip-link { position: absolute; left: 24px; top: -100px; padding: 12px; background: #fff; z-index: 100; }
.skip-link:focus { top: 10px; }
.year-badge { padding: 6px 12px; border: 1px solid var(--color-border); border-radius: 30px; font-size: 12px; color: var(--color-text-muted); white-space: nowrap; }
.header-cta { display: inline-flex; align-items: center; gap: 22px; background: var(--color-primary); color: #fff; padding: 11px 19px; border-radius: 7px; font-size: 13px; font-weight: 600; }
.header-cta:hover { background: var(--color-primary-dark); text-decoration: none; }

.header-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}
.nav-link {
  color: var(--color-text-muted);
  font-weight: 600;
  font-size: 13px;
}

/* Dropdown */
.dropdown { position: relative; }
.dropdown-toggle {
  background: none;
  border: none;
  font: inherit;
  font-weight: 600;
  font-size: 13px;
  color: var(--color-text-muted);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 8px 0;
}
.dropdown-toggle:hover { color: var(--color-text); }
.dropdown-toggle .caret { font-size: 11px; transition: transform .2s; }
.dropdown.open .dropdown-toggle .caret { transform: rotate(180deg); }
.dropdown-menu {
  position: absolute;
  top: 100%;
  right: 0;
  min-width: 300px;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-md);
  padding: 8px;
  display: none;
  grid-template-columns: 1fr;
  gap: 2px;
}
.dropdown.open .dropdown-menu { display: grid; }
.dropdown-menu a {
  display: block;
  padding: 9px 12px;
  border-radius: 6px;
  color: var(--color-text);
  font-size: 14px;
  font-weight: 500;
}
.dropdown-menu a:hover { background: var(--color-bg); text-decoration: none; }
.dropdown-menu a.active { background: #edf3e7; color: var(--color-primary); font-weight: 700; }

.year-select {
  border: 1px solid var(--color-border);
  background: var(--color-surface);
  border-radius: 8px;
  padding: 7px 10px;
  font: inherit;
  font-size: 14px;
  font-weight: 600;
  color: var(--color-text);
  cursor: pointer;
}

/* ---------------- Hero / Calculator ---------------- */
.calc-hero { padding: 56px 0 48px; }
.calc-hero h1 {
  font-size: clamp(28px, 3.5vw, 44px);
  line-height: 1.2;
  margin: 0 0 10px;
  letter-spacing: -0.5px;
}
.calc-hero .subtitle {
  font-size: 17px;
  color: var(--color-text-muted);
  margin: 0 0 28px;
  max-width: 760px;
}

.calc-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
  gap: 28px;
  align-items: start;
}

.card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  padding: 24px;
  min-width: 0;
}
.card h2 {
  font-size: 18px;
  margin: 0 0 18px;
}

/* Form fields */
.field { margin-bottom: 18px; }
.field:last-child { margin-bottom: 0; }
.field label {
  display: block;
  font-size: 14px;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--color-text);
}
.field .label-row {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-bottom: 6px;
}
.field .label-row label { margin-bottom: 0; }

.input-wrap { position: relative; }
.input-wrap .prefix,
.input-wrap .suffix {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  color: var(--color-text-muted);
  font-weight: 600;
  pointer-events: none;
}
.input-wrap .prefix { left: 12px; }
.input-wrap .suffix { right: 12px; }
.input-wrap.has-prefix input { padding-left: 26px; }

input[type="number"],
input[type="text"],
input[type="email"],
select,
textarea {
  width: 100%;
  padding: 11px 12px;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  font: inherit;
  font-size: 15px;
  color: var(--color-text);
  background: #fff;
  transition: border-color .15s, box-shadow .15s;
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(32, 92, 71, 0.12);
}

.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }

/* Switcher / segmented control */
.segmented {
  display: inline-flex;
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  padding: 3px;
  gap: 3px;
  width: 100%;
}
.segmented button {
  flex: 1;
  border: none;
  background: none;
  font: inherit;
  font-size: 14px;
  font-weight: 600;
  color: var(--color-text-muted);
  padding: 8px 10px;
  border-radius: 6px;
  cursor: pointer;
  transition: background .15s, color .15s;
}
.segmented button.active {
  background: var(--color-surface);
  color: var(--color-primary);
  box-shadow: var(--shadow-sm);
}

.checkbox-field {
  display: flex;
  align-items: center;
  gap: 10px;
}
.checkbox-field input { width: auto; }
.checkbox-field label { margin: 0; font-weight: 500; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  border: none;
  border-radius: var(--radius-sm);
  font: inherit;
  font-weight: 700;
  font-size: 15px;
  padding: 12px 18px;
  cursor: pointer;
  transition: background .15s, border-color .15s;
}
.btn-primary { background: var(--color-primary); color: #fff; width: 100%; }
.btn-primary:hover { background: var(--color-primary-dark); }
.btn:hover { text-decoration: none; }
.btn-ghost {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  color: var(--color-text);
}
.btn-ghost:hover { background: var(--color-bg); }

.form-hint {
  font-size: 13px;
  color: var(--color-text-muted);
  margin-top: 8px;
}

/* ---------------- Results panel ---------------- */
.result-headline {
  text-align: center;
  padding: 8px 0 20px;
  border-bottom: 1px solid var(--color-border);
  margin-bottom: 20px;
}
.result-headline .result-label {
  font-size: 14px;
  font-weight: 600;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 0.4px;
}
.result-headline .result-amount {
  font-size: 46px;
  font-weight: 800;
  color: var(--color-net);
  letter-spacing: -1px;
  margin-top: 4px;
}
.result-headline .result-sub {
  font-size: 14px;
  color: var(--color-text-muted);
  margin-top: 2px;
}

.result-layout {
  display: grid;
  grid-template-columns: 200px minmax(0, 1fr);
  gap: 24px;
  align-items: center;
}
.chart-box { position: relative; width: 200px; height: 200px; }

.breakdown { list-style: none; margin: 0; padding: 0; }
.breakdown li {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 0;
  border-bottom: 1px dashed var(--color-border);
  font-size: 15px;
}
.breakdown li:last-child { border-bottom: none; }
.breakdown .bd-label { display: flex; align-items: center; gap: 10px; color: var(--color-text-muted); font-weight: 500; }
.breakdown .dot { width: 12px; height: 12px; border-radius: 3px; flex: none; }
.breakdown .bd-value { font-weight: 700; font-variant-numeric: tabular-nums; white-space: nowrap; margin-left: 12px; }
.breakdown li.total { border-top: 2px solid var(--color-border); margin-top: 4px; padding-top: 14px; }
.breakdown li.total .bd-label { color: var(--color-text); font-weight: 700; }

.result-actions {
  display: flex;
  gap: 12px;
  margin-top: 22px;
}
.result-actions .btn { flex: 1; }

/* ---------------- Content section ---------------- */
.content-section { padding: 20px 0 40px; }
.content-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 24px;
  max-width: 900px;
}
.content-section h2 { font-size: 24px; margin: 10px 0 12px; }
.content-section h3 { font-size: 19px; margin: 24px 0 10px; }
.content-section p { color: #536157; margin: 0 0 14px; }
.content-section ul { color: #536157; padding-left: 20px; margin: 0 0 14px; }
.content-section li { margin-bottom: 6px; }

.formula-box {
  background: #183d35;
  color: #e2e8f0;
  border-radius: var(--radius-sm);
  padding: 16px 18px;
  font-family: "Consolas", "SF Mono", Menlo, monospace;
  font-size: 15px;
  overflow-x: auto;
  margin: 10px 0 20px;
}
.formula-box .accent { color: #c8e2ae; }

table.rate-table {
  width: 100%;
  border-collapse: collapse;
  margin: 10px 0 24px;
  font-size: 14px;
  background: var(--color-surface);
  border-radius: var(--radius-sm);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
table.rate-table th, table.rate-table td {
  text-align: left;
  padding: 10px 14px;
  border-bottom: 1px solid var(--color-border);
}
table.rate-table th { background: #edf1e8; font-weight: 700; }
table.rate-table tr:last-child td { border-bottom: none; }
table.rate-table td { font-variant-numeric: tabular-nums; }

/* FAQ accordion */
.faq-section { padding: 10px 0 50px; }
.faq-section h2 { font-size: 24px; margin: 0 0 18px; }
.faq-list { max-width: 900px; }
.faq-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
  background: var(--color-surface);
  overflow: hidden;
}
.faq-q {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  font: inherit;
  font-weight: 700;
  font-size: 16px;
  color: var(--color-text);
  padding: 16px 18px;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}
.faq-q .icon { font-size: 18px; color: var(--color-primary); transition: transform .2s; flex: none; }
.faq-item.open .faq-q .icon { transform: rotate(45deg); }
.faq-a {
  padding: 0 18px;
  max-height: 0;
  overflow: hidden;
  transition: max-height .25s ease, padding .25s ease;
  color: #536157;
}
.faq-item.open .faq-a { padding: 0 18px 16px; max-height: 400px; }

/* Tooltip */
.tooltip {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 16px; height: 16px;
  border-radius: 50%;
  background: var(--color-text-muted);
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  cursor: help;
  position: relative;
  flex: none;
}
.tooltip .tip-text {
  visibility: hidden;
  opacity: 0;
  position: absolute;
  bottom: 140%;
  left: 50%;
  transform: translateX(-50%);
  width: 240px;
  background: #183d35;
  color: #fff;
  text-align: left;
  padding: 10px 12px;
  border-radius: 8px;
  font-size: 13px;
  font-weight: 400;
  line-height: 1.5;
  z-index: 60;
  transition: opacity .15s;
  box-shadow: var(--shadow-md);
}
.tooltip .tip-text::after {
  content: "";
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  border: 6px solid transparent;
  border-top-color: #183d35;
}
.tooltip:hover .tip-text, .tooltip:focus-within .tip-text { visibility: visible; opacity: 1; }

/* ---------------- Footer ---------------- */
.site-footer {
  background: #173d33;
  color: #d5ded7;
  padding: 60px 0 28px;
  margin-top: 20px;
}
.footer-disclaimer {
  font-size: 13px;
  line-height: 1.6;
  color: #afc1b6;
  max-width: none;
  border: 1px solid #35564a;
  background: #1c4237;
  border-radius: var(--radius-sm);
  padding: 16px 18px;
  margin-bottom: 24px;
}
.footer-row {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 16px;
  align-items: center;
}
.footer-links { display: flex; flex-wrap: wrap; gap: 20px; }
.footer-links a { color: #d5ded7; font-size: 12px; font-weight: 500; }
.footer-links a:hover { color: #fff; }
.footer-contact { font-size: 12px; color: #afc1b6; }
.footer-contact a { color: #d5e7bd; }
.footer-copy { font-size: 11px; color: #afc1b6; margin-top: 24px; border-top: 1px solid #35564a; padding-top: 20px; }
.footer-top { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 60px; margin-bottom: 42px; }
.footer-brand .logo { color: #fff; }
.footer-brand .logo-mark { background: #cee3ac; color: #173d33; }
.footer-brand p { color: #b7c7bb; font-size: 15px; line-height: 1.7; margin: 18px 0 16px; }
.footer-free { font-size: 11px; color: #d5e7bd; }
.footer-tool-links { display: flex; flex-direction: column; align-items: flex-start; gap: 10px; }
.footer-tool-links h3 { font-size: 13px; color: #fff; margin: 0 0 8px; }
.footer-tool-links a { font-size: 13px; color: #b7c7bb; }
.footer-tool-links a:hover { color: #fff; }

/* ---------------- Index / landing grid ---------------- */
.hero-landing { padding: 60px 0 68px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 65px; align-items: center; }
.eyebrow { display: inline-flex; align-items: center; gap: 9px; color: #55705d; font-size: 10px; letter-spacing: 1.7px; font-weight: 650; }
.status-dot { width: 7px; height: 7px; display: inline-block; background: #608f54; border-radius: 50%; flex-shrink: 0; }
.hero-copy > .eyebrow { font-size: 11px; letter-spacing: .6px; }
.hero-landing h1 { font-size: clamp(44px, 4.65vw, 66px); font-weight: 550; line-height: 1.12; margin: 24px 0; letter-spacing: -2.9px; }
.hero-landing h1 em { font-family: Georgia, "Times New Roman", serif; font-weight: 400; color: #54834e; }
.hero-copy > p { font-size: 16px; line-height: 1.85; color: var(--color-text-muted); max-width: 440px; margin: 0; }
.hero-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 22px; margin-top: 30px; }
.hero-actions .btn { width: auto; font-size: 12px; padding: 16px 21px; gap: 18px; }
.text-link { display: inline-flex; align-items: center; justify-content: space-between; gap: 12px; font-size: 12px; font-weight: 600; color: var(--color-primary); }
.hero-reassurance { display: flex; flex-wrap: wrap; align-items: center; gap: 6px; margin-top: 25px; color: var(--color-text-muted); font-size: 10px; }
.check-mark { color: #557b4b; margin-left: 12px; }
.check-mark:first-child { margin-left: 0; }
.hero-visual { position: relative; padding: 0 0 38px 28px; }
.hero-photo { width: 100%; height: 455px; object-fit: cover; border-radius: 100px 16px 16px 16px; object-position: 52% center; background: #ddd9c9; }
.photo-label { position: absolute; right: 20px; top: 20px; display: flex; align-items: center; gap: 8px; background: rgba(255,255,255,.93); border-radius: 30px; padding: 9px 13px; font-size: 10px; z-index: 1; }
.pay-preview { position: absolute; bottom: 5px; left: 0; width: 310px; background: #fff; border: 1px solid #e4e8de; box-shadow: 0 16px 45px rgba(26,53,38,.12); border-radius: 12px; padding: 20px 22px 0; transform: rotate(-2deg); }
.preview-heading { display: flex; gap: 10px; align-items: center; font-size: 11px; font-weight: 650; margin-bottom: 22px; }
.preview-heading div > span { display: block; font-size: 8px; font-weight: 400; color: var(--color-text-muted); margin-top: 3px; }
.preview-icon { width: 30px; height: 32px; background: #edf3e7; color: #3b6540; display: grid; place-items: center; border-radius: 7px; font-size: 17px; }
.preview-year { font-size: 8px; margin-left: auto; color: #6a7868; border: 1px solid var(--color-border); border-radius: 4px; padding: 3px 5px; }
.preview-label { font-size: 10px; color: var(--color-text-muted); }
.preview-amount { font-size: 32px; font-weight: 650; letter-spacing: -.8px; margin-top: 2px; }
.preview-amount > span { font-size: 10px; font-weight: 400; color: var(--color-text-muted); letter-spacing: 0; }
.preview-bar { display: flex; gap: 3px; height: 7px; margin-top: 15px; border-radius: 4px; overflow: hidden; }
.preview-bar span:nth-child(1) { background: #3a7556; width: 80%; }
.preview-bar span:nth-child(2) { background: #acc88d; width: 12%; }
.preview-bar span:nth-child(3) { background: #e9bb82; width: 8%; }
.preview-legend { display: flex; gap: 12px; margin: 10px 0 18px; font-size: 8px; color: #69756a; }
.preview-legend span { display: inline-flex; align-items: center; gap: 4px; }
.preview-legend i { width: 5px; height: 5px; border-radius: 50%; }
.legend-net { background: #3a7556; }
.legend-tax { background: #acc88d; }
.legend-fica { background: #e9bb82; }
.pay-preview > a { display: flex; justify-content: space-between; padding: 12px 0; border-top: 1px solid var(--color-border); font-size: 10px; font-weight: 600; }
.visual-caption { position: absolute; bottom: 6px; right: 0; font-size: 10px; color: #788173; }
.benefits-strip { border-block: 1px solid var(--color-border); background: #eff2e9; padding: 25px 0; }
.benefits-inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }
.benefits-inner > div { display: flex; align-items: center; gap: 15px; }
.benefit-symbol { font-size: 26px; letter-spacing: -1px; font-weight: 450; color: #4f7350; }
.benefits-inner > div > span:last-child { font-size: 10px; color: #71816c; }
.benefits-inner strong { font-size: 11px; font-weight: 550; color: #35563e; }
.tools-section { padding: 76px 0 68px; }
.section-heading { display: flex; justify-content: space-between; align-items: flex-end; gap: 30px; margin-bottom: 32px; }
.section-heading h2, .how-section h2, .cta-panel h2 { font-size: clamp(27px, 3vw, 38px); font-weight: 500; line-height: 1.25; letter-spacing: -1.3px; margin: 12px 0 0; }
.section-heading > p { font-size: 13px; line-height: 1.8; color: var(--color-text-muted); margin: 0 0 4px; }
.calc-cards { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; }
.calc-card { background: #fff; border: 1px solid var(--color-border); border-radius: 12px; padding: 23px; transition: transform .2s, box-shadow .2s, border-color .2s; display: flex; flex-direction: column; color: var(--color-text); min-width: 0; }
.calc-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: #a4ba9b; text-decoration: none; }
.cc-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 22px; }
.cc-icon { width: 42px; height: 42px; border-radius: 11px; background: #eff3e9; color: #557a4e; display: inline-flex; align-items: center; justify-content: center; }
.cc-icon svg { width: 24px; height: 24px; }
.cc-arrow { font-size: 20px; color: #91a28c; }
.card-tag { font-size: 8px; letter-spacing: .8px; color: #d4e8bd; border: 1px solid #53795e; border-radius: 20px; padding: 4px 8px; }
.calc-card h3 { margin: 0 0 9px; font-size: 15px; font-weight: 600; line-height: 1.45; letter-spacing: -.3px; }
.calc-card p { margin: 0 0 24px; font-size: 12px; line-height: 1.7; color: var(--color-text-muted); }
.cc-bottom { display: flex; justify-content: space-between; align-items: center; margin-top: auto; padding-top: 13px; border-top: 1px solid #ecede7; font-size: 10px; font-weight: 600; }
.calc-card.featured { background: #20543f; border-color: #20543f; color: #fff; }
.featured .cc-icon { background: #3b6850; color: #d4e8bd; }
.featured p { color: #c2d3c6; }
.featured .cc-bottom { border-color: #46735a; color: #e4eedc; }
.tools-note { display: flex; align-items: center; justify-content: center; gap: 7px; margin-top: 24px; color: #7b8476; font-size: 10px; }
.how-section { background: #eff2e9; padding: 68px 0; border-block: 1px solid #e3e7dc; }
.how-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 90px; }
.how-section h2 { margin-top: 17px; }
.how-section .how-grid > div > p { font-size: 14px; line-height: 1.8; color: var(--color-text-muted); max-width: 300px; margin: 20px 0; }
.steps-list { padding: 0; margin: 0; list-style: none; }
.steps-list li { display: flex; align-items: flex-start; gap: 23px; padding: 22px 0; border-bottom: 1px solid #d7dfcf; }
.steps-list li:first-child { padding-top: 0; }
.steps-list li:last-child { padding-bottom: 0; border-bottom: none; }
.step-number { display: grid; place-items: center; flex: 0 0 42px; height: 42px; border: 1px solid #cbd7c0; border-radius: 50%; font-family: Georgia, serif; font-size: 17px; color: #69825b; }
.steps-list h3 { margin: 0 0 5px; font-size: 16px; font-weight: 600; }
.steps-list p { font-size: 12px; line-height: 1.8; color: var(--color-text-muted); margin: 0; max-width: 390px; }
.life-section { padding: 75px 0; }
.life-cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 25px; }
.life-card { color: var(--color-text); display: flex; flex-direction: column; border-radius: 12px; }
.life-card:hover { text-decoration: none; }
.life-image { overflow: hidden; border-radius: 12px; background: #e5e8dc; }
.life-image img { width: 100%; height: 220px; object-fit: cover; transition: transform .4s; }
.life-card:hover img { transform: scale(1.035); }
.life-card-copy { display: flex; flex-direction: column; flex: 1; padding: 22px 2px 0; }
.life-card-copy .eyebrow { font-size: 9px; letter-spacing: 1px; }
.life-card h3 { font-size: 21px; font-weight: 500; letter-spacing: -.6px; margin: 10px 0; line-height: 1.35; }
.life-card p { font-size: 13px; line-height: 1.8; color: var(--color-text-muted); margin: 0 0 18px; }
.life-card .text-link { margin-top: auto; padding-top: 14px; border-top: 1px solid var(--color-border); }
.landing-cta { padding: 0 0 60px; }
.cta-panel { background: #e6eedb; padding: 42px 44px; border-radius: 14px; display: flex; justify-content: space-between; align-items: center; gap: 30px; }
.cta-panel h2 { font-size: 30px; margin-top: 10px; }
.cta-panel p { font-size: 13px; color: #617259; margin: 12px 0 0; }
.cta-panel .btn { background: #20543f; color: #fff; flex-shrink: 0; font-size: 12px; gap: 25px; padding: 15px 22px; }
.cta-panel .btn:hover { background: #153e31; }
.landing-page .site-footer { margin-top: 0; }

/* Legal / content pages */
.legal-page { padding: 40px 0 60px; }
.legal-page .legal-inner { max-width: 820px; }
.legal-page h1 { font-size: 32px; margin: 0 0 8px; }
.legal-page .updated { color: var(--color-text-muted); font-size: 14px; margin-bottom: 28px; }
.legal-page h2 { font-size: 21px; margin: 28px 0 10px; }
.legal-page p, .legal-page li { color: #536157; }
.legal-page ul { padding-left: 20px; }

.contact-box {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 24px;
  margin: 20px 0;
  box-shadow: var(--shadow-sm);
}

/* ---------------- Responsive ---------------- */
@media (max-width: 1100px) {
  .calc-grid { grid-template-columns: 1fr; }
  .result-layout { grid-template-columns: 1fr; }
  .chart-box { margin: 0 auto; }
  .calc-cards { grid-template-columns: repeat(2, 1fr); }
  .header-nav { gap: 18px; }
  .year-badge { display: none; }
  .hero-grid { gap: 35px; grid-template-columns: 1.1fr 1fr; }
  .hero-landing h1 { font-size: 48px; letter-spacing: -2px; }
  .hero-photo { height: 410px; }
  .hero-actions { gap: 15px; }
  .visual-caption { display: none; }
  .how-grid { gap: 45px; }
  .life-image img { height: 180px; }
  .benefits-inner { gap: 15px; }
  .benefits-inner > div { gap: 10px; }
}
@media (max-width: 720px) {
  .container { padding: 0 16px; }
  .calc-hero h1 { font-size: 27px; }
  .result-headline .result-amount { font-size: 36px; }
  .header-inner { min-height: 72px; }
  .logo { font-size: 20px; gap: 7px; }
  .logo-pro { margin-left: -5px; }
  .logo .logo-mark { width: 30px; height: 34px; border-radius: 8px; }
  .logo-mark svg { width: 23px; }
  .header-nav { gap: 15px; }
  .header-cta { display: none; }
  .nav-link.hide-sm { display: none; }
  .calc-cards { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .dropdown-menu { min-width: 260px; }
  .calc-hero { padding-top: 32px; }
  .card { padding: 21px; }
  table.rate-table { font-size: 12px; }
  table.rate-table th, table.rate-table td { padding: 9px 8px; }
  .field .label-row { position: relative; }
  .field .label-row .tooltip { position: static; }
  .field .label-row .tip-text { left: 0; bottom: calc(100% + 10px); transform: none; width: min(240px, calc(100vw - 76px)); }
  .field .label-row .tip-text::after { left: 18px; }
  .hero-landing { padding: 36px 0 38px; }
  .hero-grid { grid-template-columns: 1fr; gap: 35px; }
  .hero-copy { max-width: 560px; }
  .hero-copy > .eyebrow { font-size: 9px; }
  .hero-landing h1 { font-size: clamp(39px, 8.5vw, 56px); letter-spacing: -1.8px; margin: 20px 0; }
  .hero-copy > p { font-size: 15px; max-width: 500px; }
  .hero-actions { margin-top: 23px; }
  .hero-actions .btn { padding: 14px 17px; }
  .hero-reassurance { font-size: 9px; gap: 5px; margin-top: 20px; }
  .check-mark { margin-left: 8px; }
  .hero-visual { padding-left: 24px; padding-bottom: 48px; max-width: 560px; width: 100%; margin: 0 auto; }
  .hero-photo { height: 360px; border-top-left-radius: 70px; }
  .pay-preview { bottom: 0; width: 285px; padding: 18px 18px 0; }
  .photo-label { right: 12px; top: 14px; font-size: 9px; }
  .benefits-strip { padding: 23px 0; }
  .benefits-inner { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px 14px; }
  .benefit-symbol { font-size: 24px; min-width: 30px; }
  .benefits-inner > div > span:last-child { font-size: 9px; }
  .benefits-inner strong { font-size: 10px; }
  .tools-section, .life-section { padding: 45px 0; }
  .section-heading { align-items: flex-start; flex-direction: column; gap: 14px; margin-bottom: 24px; }
  .section-heading > p { font-size: 12px; }
  .section-heading > p br { display: none; }
  .section-heading h2, .how-section h2 { letter-spacing: -.8px; }
  .calc-cards { gap: 13px; }
  .calc-card { padding: 23px; }
  .cc-top { margin-bottom: 16px; }
  .calc-card h3 { font-size: 17px; }
  .calc-card p { font-size: 13px; margin-bottom: 18px; }
  .cc-bottom { font-size: 11px; }
  .tools-note { text-align: center; font-size: 9px; align-items: flex-start; }
  .how-section { padding: 42px 0; }
  .how-grid { grid-template-columns: 1fr; gap: 30px; }
  .how-section .how-grid > div > p { max-width: 100%; }
  .steps-list p { max-width: none; }
  .life-cards { grid-template-columns: 1fr; gap: 30px; }
  .life-image img { height: 230px; }
  .life-card-copy { padding-top: 17px; }
  .landing-cta { padding-bottom: 36px; }
  .cta-panel { flex-direction: column; align-items: flex-start; padding: 28px; gap: 24px; }
  .cta-panel h2 { font-size: 28px; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 30px 20px; }
  .footer-brand { grid-column: 1 / -1; }
  .site-footer { padding-top: 40px; }
  .footer-tool-links a { font-size: 12px; }
  .footer-links { gap: 12px 18px; }
  .footer-disclaimer { font-size: 11px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}

/* ---------------- Print ---------------- */
@media print {
  .site-header, .site-footer, .result-actions, .content-section, .faq-section,
  .calc-hero .subtitle, form .btn-primary { display: none !important; }
  body { background: #fff; }
  .card { box-shadow: none; border: 1px solid #ccc; }
  .calc-grid { grid-template-columns: 1fr; }
}