/* =========================================================
   Retirement Planner — Main Stylesheet
   Palette: Navy #1B2A4A | Gold #E8A838 | White #FFFFFF | Gray #F4F6FA
   ========================================================= */

/* --- Reset & Base --- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:    #1B2A4A;
  --navy2:   #243560;
  --gold:    #E8A838;
  --gold2:   #F0BC57;
  --white:   #FFFFFF;
  --gray-50: #F4F6FA;
  --gray-100:#E9ECF3;
  --gray-200:#CDD3E0;
  --gray-400:#8B95A8;
  --gray-600:#5A6478;
  --gray-800:#2F3848;
  --green:   #27AE60;
  --yellow:  #F1C40F;
  --red:     #E74C3C;
  --shadow-sm: 0 2px 8px rgba(27,42,74,0.08);
  --shadow-md: 0 4px 24px rgba(27,42,74,0.13);
  --shadow-lg: 0 8px 40px rgba(27,42,74,0.18);
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --font: 'Inter', system-ui, -apple-system, sans-serif;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.65;
  color: var(--gray-800);
  background: var(--white);
}

a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--gold); }
img { max-width: 100%; height: auto; display: block; }
h1, h2, h3, h4 { color: var(--navy); line-height: 1.25; }
h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); font-weight: 800; }
h2 { font-size: clamp(1.4rem, 3vw, 2rem); font-weight: 700; }
h3 { font-size: 1.2rem; font-weight: 600; }
p { margin-bottom: 1rem; }
ul, ol { padding-left: 1.5rem; margin-bottom: 1rem; }
li { margin-bottom: .35rem; }

/* --- Container --- */
.container { max-width: 1140px; margin: 0 auto; padding: 0 20px; }
.container--narrow { max-width: 800px; margin: 0 auto; padding: 0 20px; }

/* --- Ad Placeholders --- */
.ad-placeholder {
  background: var(--gray-50);
  border: 2px dashed var(--gray-200);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  color: var(--gray-400);
  font-weight: 500;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.ad-header {
  width: 100%;
  height: 90px;
  max-width: 728px;
  margin: 0 auto 0;
}
.ad-sidebar {
  width: 300px;
  height: 250px;
}
@media (max-width: 768px) {
  .ad-header { height: 50px; max-width: 320px; }
  .ad-sidebar { display: none; }
}

/* --- Navigation --- */
.site-header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 12px rgba(0,0,0,.25);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.logo {
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--white);
  display: flex;
  align-items: center;
  gap: 8px;
}
.logo span { color: var(--gold); }
.nav-links {
  list-style: none;
  display: flex;
  gap: 8px;
  padding: 0;
  margin: 0;
}
.nav-links a {
  color: rgba(255,255,255,.85);
  font-size: .9rem;
  font-weight: 500;
  padding: 6px 12px;
  border-radius: var(--radius-sm);
  transition: all .2s;
}
.nav-links a:hover, .nav-links a.active {
  color: var(--white);
  background: rgba(255,255,255,.12);
}
.nav-cta {
  background: var(--gold) !important;
  color: var(--navy) !important;
  font-weight: 700 !important;
}
.nav-cta:hover { background: var(--gold2) !important; }
.hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  margin: 5px 0;
  border-radius: 2px;
  transition: all .3s;
}
@media (max-width: 768px) {
  .hamburger { display: block; }
  .nav-links {
    display: none;
    position: absolute;
    top: 64px;
    left: 0;
    right: 0;
    background: var(--navy);
    flex-direction: column;
    padding: 12px 20px 20px;
    gap: 4px;
    border-top: 1px solid rgba(255,255,255,.1);
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 10px 12px; }
}

/* --- Ad banner strip --- */
.ad-strip {
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-100);
  padding: 8px 0;
  text-align: center;
}

/* --- Hero --- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy2) 60%, #1e3a6e 100%);
  color: var(--white);
  padding: 80px 0 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}
.hero h1 { color: var(--white); margin-bottom: 16px; }
.hero p { font-size: 1.15rem; color: rgba(255,255,255,.8); margin-bottom: 32px; max-width: 600px; margin-left: auto; margin-right: auto; }
.hero-badges {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 12px;
}
.badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  padding: 6px 14px;
  border-radius: 100px;
  font-size: .85rem;
  color: rgba(255,255,255,.9);
}

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: 1rem;
  cursor: pointer;
  border: none;
  transition: all .2s;
  text-decoration: none;
}
.btn-primary {
  background: var(--gold);
  color: var(--navy);
}
.btn-primary:hover { background: var(--gold2); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-secondary {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,.4);
}
.btn-secondary:hover { border-color: var(--white); color: var(--white); }
.btn-outline {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-outline:hover { background: var(--navy); color: var(--white); }
.btn-sm { padding: 8px 18px; font-size: .85rem; }

/* --- Calculator Card --- */
.calc-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 36px;
  margin: 0 auto;
  max-width: 900px;
  position: relative;
}
.calc-card--embedded {
  margin-top: -40px;
}

.calc-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 28px;
  flex-wrap: wrap;
  gap: 12px;
}
.calc-header h2 { font-size: 1.3rem; }
.mode-toggle {
  display: flex;
  gap: 0;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-sm);
  overflow: hidden;
}
.mode-toggle button {
  padding: 7px 16px;
  border: none;
  background: none;
  font-size: .85rem;
  font-weight: 600;
  cursor: pointer;
  color: var(--gray-400);
  transition: all .2s;
}
.mode-toggle button.active {
  background: var(--navy);
  color: var(--white);
}

/* --- Form Layout --- */
.calc-inputs { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
@media (max-width: 700px) { .calc-inputs { grid-template-columns: 1fr; } }

.field-group { display: flex; flex-direction: column; gap: 6px; }
.field-label {
  font-size: .85rem;
  font-weight: 600;
  color: var(--gray-600);
  display: flex;
  align-items: center;
  gap: 6px;
}
.tooltip-icon {
  width: 16px;
  height: 16px;
  border-radius: 50%;
  background: var(--gray-200);
  color: var(--gray-600);
  font-size: .7rem;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  cursor: help;
  position: relative;
}
.tooltip-icon::after {
  content: attr(data-tip);
  position: absolute;
  bottom: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--gray-800);
  color: var(--white);
  font-size: .75rem;
  font-weight: 400;
  padding: 6px 10px;
  border-radius: var(--radius-sm);
  white-space: nowrap;
  pointer-events: none;
  opacity: 0;
  transition: opacity .2s;
  z-index: 50;
  max-width: 220px;
  white-space: normal;
  text-align: center;
}
.tooltip-icon:hover::after { opacity: 1; }

.field-row { display: flex; gap: 10px; align-items: center; }
.field-row input[type="number"] {
  width: 110px;
  padding: 8px 10px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: .95rem;
  font-family: var(--font);
  color: var(--gray-800);
  transition: border-color .2s;
  flex-shrink: 0;
}
.field-row input[type="number"]:focus {
  outline: none;
  border-color: var(--gold);
}

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: var(--gray-200);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  background: var(--navy);
  border: 3px solid var(--white);
  border-radius: 50%;
  box-shadow: 0 2px 6px rgba(27,42,74,.3);
  cursor: pointer;
  transition: background .2s;
}
input[type="range"]::-webkit-slider-thumb:hover { background: var(--gold); }
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px;
  background: var(--navy);
  border: 3px solid var(--white);
  border-radius: 50%;
  box-shadow: 0 2px 6px rgba(27,42,74,.3);
  cursor: pointer;
}

select {
  width: 100%;
  padding: 9px 12px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: .95rem;
  font-family: var(--font);
  color: var(--gray-800);
  background: var(--white);
  cursor: pointer;
}
select:focus { outline: none; border-color: var(--gold); }

.toggle-switch {
  display: flex;
  align-items: center;
  gap: 10px;
  cursor: pointer;
  user-select: none;
}
.toggle-switch input { display: none; }
.toggle-track {
  width: 44px;
  height: 24px;
  background: var(--gray-200);
  border-radius: 12px;
  position: relative;
  transition: background .2s;
}
.toggle-track::after {
  content: '';
  position: absolute;
  top: 3px; left: 3px;
  width: 18px; height: 18px;
  background: var(--white);
  border-radius: 50%;
  box-shadow: 0 1px 4px rgba(0,0,0,.2);
  transition: transform .2s;
}
.toggle-switch input:checked + .toggle-track { background: var(--navy); }
.toggle-switch input:checked + .toggle-track::after { transform: translateX(20px); }
.toggle-label { font-size: .9rem; font-weight: 600; color: var(--gray-600); }

/* Advanced section */
.advanced-section {
  display: none;
  grid-column: 1 / -1;
  border-top: 2px dashed var(--gray-100);
  padding-top: 20px;
  margin-top: 4px;
}
.advanced-section.open { display: block; }
.advanced-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
@media (max-width: 700px) { .advanced-grid { grid-template-columns: 1fr; } }
.advanced-toggle-btn {
  grid-column: 1 / -1;
  background: none;
  border: none;
  cursor: pointer;
  color: var(--navy);
  font-weight: 600;
  font-size: .9rem;
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 0;
}
.advanced-toggle-btn .chevron { transition: transform .3s; }
.advanced-toggle-btn.open .chevron { transform: rotate(180deg); }

/* --- Results Panel --- */
.results-panel {
  margin-top: 32px;
  padding-top: 28px;
  border-top: 2px solid var(--gray-100);
}
.results-headline {
  text-align: center;
  margin-bottom: 20px;
}
.results-headline .target-amount {
  font-size: clamp(2.2rem, 5vw, 3.5rem);
  font-weight: 900;
  color: var(--navy);
  line-height: 1;
}
.results-headline .target-label {
  font-size: .9rem;
  color: var(--gray-400);
  margin-top: 4px;
}
.status-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 16px;
  border-radius: 100px;
  font-weight: 700;
  font-size: .9rem;
  margin-top: 10px;
}
.status-badge.on-track { background: #D4F8E5; color: #1A8C4B; }
.status-badge.needs-attention { background: #FFF4CC; color: #8B6900; }
.status-badge.behind { background: #FDECEA; color: #C0392B; }

.results-summary {
  background: var(--gray-50);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  font-size: .95rem;
  color: var(--gray-600);
  margin-bottom: 24px;
  line-height: 1.7;
}

.chart-container {
  position: relative;
  height: 300px;
  width: 100%;
  margin-bottom: 24px;
}
canvas { width: 100% !important; }

/* Stats row */
.stats-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-bottom: 20px;
}
@media (max-width: 600px) { .stats-row { grid-template-columns: 1fr 1fr; } }
.stat-card {
  background: var(--gray-50);
  border-radius: var(--radius-sm);
  padding: 14px;
  text-align: center;
}
.stat-card .stat-value {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--navy);
}
.stat-card .stat-label {
  font-size: .75rem;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: .05em;
  margin-top: 2px;
}

/* What-if panel */
.whatif-panel {
  display: none;
  background: var(--gray-50);
  border-radius: var(--radius-md);
  padding: 20px;
  margin-bottom: 20px;
}
.whatif-panel.show { display: block; }
.whatif-panel h4 { margin-bottom: 12px; font-size: 1rem; }
.whatif-buttons {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.whatif-btn {
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  border: 2px solid var(--gray-200);
  background: var(--white);
  cursor: pointer;
  font-size: .85rem;
  font-weight: 600;
  color: var(--gray-600);
  transition: all .2s;
}
.whatif-btn:hover { border-color: var(--navy); color: var(--navy); }
.whatif-btn.applied { background: var(--navy); color: var(--white); border-color: var(--navy); }

/* Year table */
.year-table-section { margin-bottom: 20px; }
.year-table-toggle {
  display: flex;
  align-items: center;
  gap: 8px;
  cursor: pointer;
  font-weight: 600;
  font-size: .9rem;
  color: var(--navy2);
  background: none;
  border: none;
  padding: 0;
  margin-bottom: 10px;
}
.year-table-toggle .chevron { transition: transform .3s; }
.year-table-toggle.open .chevron { transform: rotate(180deg); }
.year-table-wrap {
  display: none;
  overflow-x: auto;
  border-radius: var(--radius-sm);
  border: 1px solid var(--gray-200);
}
.year-table-wrap.open { display: block; }
.year-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .85rem;
}
.year-table th {
  background: var(--navy);
  color: var(--white);
  padding: 10px 14px;
  text-align: right;
  white-space: nowrap;
}
.year-table th:first-child { text-align: left; }
.year-table td {
  padding: 8px 14px;
  text-align: right;
  border-bottom: 1px solid var(--gray-100);
}
.year-table td:first-child { text-align: left; }
.year-table tr:nth-child(even) td { background: var(--gray-50); }
.year-table tr.retirement-row td { background: #FFF4CC; font-weight: 600; }
.year-table .negative { color: var(--red); }

/* Scenario comparison */
.scenario-section {
  display: none;
  margin-bottom: 24px;
}
.scenario-section.show { display: block; }
.scenario-header {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 12px;
}
.scenario-label {
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  font-weight: 700;
  font-size: .9rem;
}
.scenario-a { background: #E3F2FD; color: #1565C0; }
.scenario-b { background: #F3E5F5; color: #6A1B9A; }

/* --- CTA Banner --- */
.cta-banner {
  background: linear-gradient(135deg, var(--gold) 0%, #F5C960 100%);
  border-radius: var(--radius-md);
  padding: 24px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  margin-top: 28px;
}
.cta-banner h3 { color: var(--navy); margin-bottom: 4px; }
.cta-banner p { color: rgba(27,42,74,.7); font-size: .9rem; margin: 0; }
.cta-banner .btn { flex-shrink: 0; }

/* --- Features Grid --- */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  padding: 60px 0;
}
@media (max-width: 768px) { .features-grid { grid-template-columns: 1fr; gap: 20px; } }
.feature-card {
  text-align: center;
  padding: 32px 24px;
  border-radius: var(--radius-md);
  background: var(--gray-50);
  border: 1px solid var(--gray-100);
  transition: box-shadow .2s;
}
.feature-card:hover { box-shadow: var(--shadow-md); }
.feature-icon {
  font-size: 2.5rem;
  margin-bottom: 16px;
}
.feature-card h3 { margin-bottom: 8px; }
.feature-card p { font-size: .9rem; color: var(--gray-600); margin: 0; }

/* --- Guide Cards --- */
.section { padding: 60px 0; }
.section-title { margin-bottom: 8px; }
.section-subtitle { color: var(--gray-600); margin-bottom: 40px; font-size: 1.05rem; }
.guides-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
@media (max-width: 900px) { .guides-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .guides-grid { grid-template-columns: 1fr; } }
.guide-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 24px;
  transition: all .2s;
  display: flex;
  flex-direction: column;
}
.guide-card:hover { box-shadow: var(--shadow-md); border-color: var(--gray-200); transform: translateY(-2px); }
.guide-card-icon { font-size: 1.8rem; margin-bottom: 12px; }
.guide-card h3 { font-size: 1rem; margin-bottom: 8px; }
.guide-card p { font-size: .88rem; color: var(--gray-600); flex: 1; margin-bottom: 14px; }
.guide-card a { font-size: .85rem; font-weight: 700; color: var(--navy); }
.guide-card a:hover { color: var(--gold); }

/* --- Guide Page Layout --- */
.guide-hero {
  background: var(--gray-50);
  padding: 50px 0 40px;
  border-bottom: 1px solid var(--gray-100);
}
.guide-hero .category {
  font-size: .8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--gold);
  margin-bottom: 10px;
}
.guide-hero h1 { margin-bottom: 12px; }
.guide-hero .intro { font-size: 1.1rem; color: var(--gray-600); max-width: 680px; }
.guide-body {
  padding: 50px 0 60px;
}
.guide-content { max-width: 760px; }
.guide-content h2 { margin: 2rem 0 .75rem; padding-top: .5rem; border-top: 2px solid var(--gray-100); }
.guide-content h2:first-child { border-top: none; padding-top: 0; margin-top: 0; }
.guide-content h3 { margin: 1.5rem 0 .5rem; }
.guide-content p { color: var(--gray-600); }
.guide-content ul li, .guide-content ol li { color: var(--gray-600); }
.guide-layout { display: grid; grid-template-columns: 1fr 300px; gap: 48px; align-items: start; }
@media (max-width: 960px) { .guide-layout { grid-template-columns: 1fr; } }

/* Callout box */
.callout-box {
  background: linear-gradient(135deg, #EEF2FF, #E3F2FD);
  border-left: 4px solid var(--navy);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 20px 24px;
  margin: 28px 0;
}
.callout-box h4 { color: var(--navy); margin-bottom: 6px; font-size: 1rem; }
.callout-box p { margin: 0; font-size: .9rem; color: var(--gray-600); }
.callout-box .btn { margin-top: 12px; }

/* Highlight box */
.highlight-box {
  background: #FFF8E7;
  border: 1px solid #F5D98B;
  border-radius: var(--radius-sm);
  padding: 18px 22px;
  margin: 24px 0;
}
.highlight-box strong { color: var(--navy); }

/* FAQ */
.faq-section { margin-top: 2rem; }
.faq-section h2 { margin-bottom: 1rem; }
.faq-item {
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-sm);
  margin-bottom: 10px;
  overflow: hidden;
}
.faq-question {
  width: 100%;
  background: none;
  border: none;
  padding: 16px 20px;
  text-align: left;
  font-size: .95rem;
  font-weight: 600;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--navy);
  gap: 10px;
}
.faq-question:hover { background: var(--gray-50); }
.faq-answer {
  display: none;
  padding: 0 20px 16px;
  font-size: .9rem;
  color: var(--gray-600);
  line-height: 1.7;
}
.faq-answer.open { display: block; }
.faq-chevron { transition: transform .3s; flex-shrink: 0; }
.faq-question.open .faq-chevron { transform: rotate(180deg); }

/* Sidebar */
.guide-sidebar { position: sticky; top: 80px; }
.sidebar-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 20px;
  margin-bottom: 20px;
}
.sidebar-card h4 { margin-bottom: 12px; font-size: .95rem; color: var(--navy); }
.sidebar-card ul { padding-left: 0; list-style: none; }
.sidebar-card ul li { padding: 6px 0; border-bottom: 1px solid var(--gray-100); }
.sidebar-card ul li:last-child { border-bottom: none; }
.sidebar-card ul li a { font-size: .88rem; color: var(--gray-600); }
.sidebar-card ul li a:hover { color: var(--navy); }

/* --- About Page --- */
.about-hero { background: var(--navy); color: var(--white); padding: 70px 0 60px; text-align: center; }
.about-hero h1 { color: var(--white); }
.about-hero p { color: rgba(255,255,255,.8); max-width: 600px; margin: 12px auto 0; }

/* --- Footer --- */
.site-footer {
  background: var(--gray-800);
  color: rgba(255,255,255,.7);
  padding: 50px 0 30px;
  margin-top: auto;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
@media (max-width: 768px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }
.footer-brand .logo { color: var(--white); margin-bottom: 12px; }
.footer-brand p { font-size: .88rem; max-width: 260px; line-height: 1.6; }
.footer-col h5 { color: var(--white); margin-bottom: 14px; font-size: .9rem; letter-spacing: .05em; text-transform: uppercase; }
.footer-col ul { list-style: none; padding: 0; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a { font-size: .88rem; color: rgba(255,255,255,.6); }
.footer-col ul li a:hover { color: var(--gold); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 24px;
  font-size: .8rem;
  color: rgba(255,255,255,.4);
}
.footer-disclaimer {
  background: rgba(0,0,0,.2);
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  font-size: .8rem;
  color: rgba(255,255,255,.5);
  line-height: 1.6;
  margin-bottom: 20px;
}

/* --- Sections/misc --- */
.section-alt { background: var(--gray-50); }
.text-center { text-align: center; }
.mb-0 { margin-bottom: 0; }
.mb-1 { margin-bottom: .5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 2rem; }
.mt-3 { margin-top: 2rem; }
.mt-4 { margin-top: 3rem; }
.divider { border: none; border-top: 2px solid var(--gray-100); margin: 40px 0; }

/* Probability bands legend */
.band-legend {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 8px;
  font-size: .8rem;
  color: var(--gray-600);
}
.band-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  display: inline-block;
  margin-right: 4px;
}

/* SWR box */
.swr-box {
  display: none;
  background: linear-gradient(135deg, #f0f9ff, #e0f2fe);
  border: 1px solid #bae6fd;
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  margin-bottom: 20px;
}
.swr-box.show { display: block; }
.swr-box strong { color: var(--navy); }

/* Responsive tables */
@media (max-width: 600px) {
  .stats-row { grid-template-columns: 1fr; }
  .calc-card { padding: 20px 16px; }
}