/* === 10yearrmd.com === */

:root {
  --paper: #f5f1e8;
  --paper-2: #efeadd;
  --card: #fdfbf6;
  --ink: #1a1d24;
  --ink-2: #3a3d44;
  --ink-3: #6a6d75;
  --ink-4: #9a9da5;
  --rule: #e3ddcc;
  --rule-2: #d4ccb6;
  --accent: oklch(0.42 0.05 165);
  --accent-2: oklch(0.52 0.06 165);
  --accent-soft: oklch(0.92 0.03 165);
  --warn: oklch(0.62 0.13 55);
  --warn-soft: oklch(0.94 0.05 70);
  --bad: oklch(0.55 0.16 30);
  --bad-soft: oklch(0.94 0.04 30);

  --serif: "Newsreader", "Iowan Old Style", "Palatino", Georgia, serif;
  --sans: "Geist", -apple-system, BlinkMacSystemFont, "Helvetica Neue", sans-serif;
  --mono: "Geist Mono", "SF Mono", ui-monospace, monospace;
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

a { color: var(--accent); text-decoration: none; border-bottom: 1px solid color-mix(in oklab, var(--accent) 30%, transparent); }
a:hover { color: var(--accent-2); border-bottom-color: var(--accent-2); }

button { font-family: inherit; cursor: pointer; }

/* ======== Layout ======== */

.page { max-width: 1280px; margin: 0 auto; padding: 0 32px; }

.topbar {
  display: flex; align-items: center; justify-content: space-between;
  padding: 24px 0 12px;
  border-bottom: 1px solid var(--rule);
}
.brand {
  display: flex; align-items: center; gap: 12px;
  color: var(--ink);
  text-decoration: none;
  border: none;
}
.brand-mark {
  display: inline-block;
  width: 30px; height: 30px;
  border-radius: 50%;
  background: var(--ink);
  position: relative;
  flex-shrink: 0;
}
.brand-mark::after {
  content: "";
  position: absolute;
  inset: 6px;
  border-radius: 50%;
  background: var(--paper);
  clip-path: polygon(0 0, 100% 0, 100% 100%, 50% 100%, 50% 50%, 0 50%);
}
.brand-name {
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--ink);
  line-height: 1;
}
.brand-name span.tld {
  font-family: var(--mono);
  font-size: 11px;
  font-weight: 400;
  letter-spacing: 0.04em;
  color: var(--ink-3);
  margin-left: 6px;
  vertical-align: 3px;
}
.footer .brand-name { font-size: 20px; }
.topnav { display: flex; gap: 28px; font-size: 13px; }
.topnav a { color: var(--ink-2); border: none; }
.topnav a:hover { color: var(--ink); }

/* ======== Hero ======== */

.hero {
  padding: 80px 0 32px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 500px;
  gap: 56px;
  align-items: start;
}
.hero-text { max-width: 720px; }
.hero-image {
  margin: 0;
  padding: 0;
  align-self: start;
}
.hero-image img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: 14px;
  border: 1px solid var(--rule);
}
.eyebrow {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 28px;
  display: flex; align-items: center; gap: 12px;
}
.eyebrow::before {
  content: ""; display: inline-block;
  width: 28px; height: 1px; background: var(--ink-3);
}
h1.hero-title {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(40px, 6.5vw, 76px);
  line-height: 1.02;
  letter-spacing: -0.02em;
  margin: 0 0 28px;
  text-wrap: balance;
}
h1.hero-title em {
  font-style: italic;
  color: var(--accent);
}
.hero-sub {
  font-size: 19px;
  line-height: 1.5;
  color: var(--ink-2);
  max-width: 640px;
  margin: 0;
  text-wrap: pretty;
}
.hero-meta {
  margin: 24px 0 64px;
  padding-top: 28px;
  border-top: 1px solid var(--rule);
  display: flex;
  gap: 56px;
  flex-wrap: wrap;
  justify-content: center;
  font-size: 15.5px;
  color: var(--ink-3);
  font-family: var(--serif);
  font-weight: 400;
  line-height: 1.4;
}
.hero-meta span {
  display: inline-flex;
  gap: 10px;
  align-items: baseline;
}
.hero-meta span b {
  color: var(--ink);
  font-weight: 600;
  font-family: var(--serif);
}

/* ======== Calculator card ======== */

.calc-wrap {
  display: flex;
  flex-direction: column;
  gap: 0;
  margin: 0 0 64px;
  align-items: stretch;
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
  width: 100%;
}
.results-wrap {
  max-width: 1040px;
  margin: 0 auto 64px;
  width: 100%;
}
.results-wrap .res-heading {
  text-align: center;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin: 0 0 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
}
.results-wrap .res-heading::before,
.results-wrap .res-heading::after {
  content: ""; flex: 0 0 40px; height: 1px; background: var(--ink-4);
}

.card {
  background: var(--card);
  border: 1px solid var(--rule);
  border-radius: 4px;
}

.calc-card { padding: 0; }
.calc-card .card-head {
  padding: 24px 32px 18px;
  border-bottom: 1px solid var(--rule);
  display: flex; justify-content: space-between; align-items: baseline;
}
.calc-card .card-head h2 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 22px;
  letter-spacing: -0.01em;
  margin: 0;
}
.calc-card .card-head .step-count {
  font-family: var(--mono);
  font-size: 11px;
  color: var(--ink-3);
  letter-spacing: 0.08em;
}

.steps { padding: 8px 0 28px; }

.step {
  padding: 20px 32px;
  border-bottom: 1px solid var(--rule);
}
.step:last-child { border-bottom: none; }
.step-label {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 10px;
  display: flex; align-items: center; justify-content: space-between;
}
.step-label .num {
  display: inline-block;
  width: 18px;
  color: var(--ink-4);
}
.step-question {
  font-family: var(--serif);
  font-size: 18px;
  font-weight: 500;
  margin: 0 0 14px;
  letter-spacing: -0.005em;
  color: var(--ink);
}
.step-hint {
  font-size: 13px;
  color: var(--ink-3);
  margin: -8px 0 14px;
  max-width: 460px;
  line-height: 1.45;
}

/* Inputs */
.input, .select {
  font-family: var(--mono);
  font-size: 15px;
  color: var(--ink);
  background: var(--paper);
  border: 1px solid var(--rule-2);
  border-radius: 3px;
  padding: 11px 14px;
  width: 100%;
  outline: none;
  transition: border-color 0.15s, background 0.15s;
}
.input:focus, .select:focus {
  border-color: var(--accent);
  background: var(--card);
  box-shadow: 0 0 0 3px color-mix(in oklab, var(--accent) 14%, transparent);
}
.input::placeholder { color: var(--ink-4); }
.select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12' width='12' height='12'%3E%3Cpath fill='none' stroke='%236a6d75' stroke-width='1.5' d='M2 4l4 4 4-4'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 36px;
  font-family: var(--sans);
}
.input-row { display: flex; gap: 10px; }
.input-row > * { flex: 1; }

.money {
  position: relative;
}
.money::before {
  content: "$";
  position: absolute; left: 14px; top: 50%; transform: translateY(-50%);
  font-family: var(--mono); color: var(--ink-3); font-size: 15px;
  pointer-events: none;
}
.money .input { padding-left: 26px; }

.pct {
  position: relative;
}
.pct::after {
  content: "%";
  position: absolute; right: 14px; top: 50%; transform: translateY(-50%);
  font-family: var(--mono); color: var(--ink-3); font-size: 15px;
  pointer-events: none;
}

/* Radio chips */
.radio-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.radio-grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.chip {
  display: block;
  text-align: left;
  background: var(--paper);
  border: 1px solid var(--rule-2);
  border-radius: 3px;
  padding: 12px 14px;
  cursor: pointer;
  transition: border-color 0.12s, background 0.12s;
  font-size: 14px;
  color: var(--ink-2);
}
.chip input { display: none; }
.chip:hover { border-color: var(--ink-4); }
.chip.is-active {
  background: var(--accent-soft);
  border-color: var(--accent);
  color: var(--ink);
}
.chip .chip-title { font-weight: 500; color: var(--ink); display: block; }
.chip .chip-sub { font-size: 12px; color: var(--ink-3); margin-top: 2px; }
.chip.is-active .chip-sub { color: var(--ink-2); }

/* Beneficiary type select looks like a custom list */
.benef-list { display: grid; gap: 6px; }
.benef-list .chip { padding: 11px 14px; }

.brackets { display: grid; gap: 6px; }

/* Reset button */
.reset-btn {
  margin: 20px 32px 0;
  background: transparent;
  border: none;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-3);
  padding: 6px 0;
}
.reset-btn:hover { color: var(--ink); }

/* ======== Results panel ======== */

.results { padding: 0; }
.results.empty { background: transparent; border: 1px dashed var(--rule-2); }
.results-empty {
  padding: 48px 36px;
  text-align: center;
  color: var(--ink-3);
  font-size: 14px;
}
.results-empty .placeholder-mark {
  width: 56px; height: 56px;
  margin: 0 auto 20px;
  border: 1px solid var(--rule-2);
  border-radius: 50%;
  display: grid; place-items: center;
  font-family: var(--serif);
  font-size: 26px;
  color: var(--ink-4);
}

/* Deadline hero */
.deadline-block {
  padding: 36px 36px 32px;
  border-bottom: 1px solid var(--rule);
  background:
    radial-gradient(circle at 90% 0%, color-mix(in oklab, var(--accent) 8%, transparent) 0%, transparent 60%),
    var(--card);
}
.deadline-eyebrow {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 10px;
}
.deadline-date {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(38px, 4.5vw, 56px);
  line-height: 1.02;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 0 0 14px;
}
.deadline-meta {
  display: flex; gap: 36px; flex-wrap: wrap;
  margin-top: 24px;
  border-top: 1px dashed var(--rule);
  padding-top: 20px;
}
.deadline-meta .m {
  font-family: var(--mono);
  font-size: 12px;
  color: var(--ink-3);
}
.deadline-meta .m b {
  display: block;
  font-family: var(--serif);
  font-size: 26px;
  font-weight: 400;
  color: var(--ink);
  margin-top: 2px;
  letter-spacing: -0.01em;
}

.status-row {
  display: flex; gap: 10px; flex-wrap: wrap;
  margin: 16px 0 4px;
}
.tag {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.05em;
  padding: 4px 10px;
  border-radius: 999px;
  background: var(--paper-2);
  color: var(--ink-2);
  border: 1px solid var(--rule);
}
.tag.tag-warn { background: var(--warn-soft); color: oklch(0.4 0.12 55); border-color: oklch(0.85 0.08 60); }
.tag.tag-bad { background: var(--bad-soft); color: oklch(0.42 0.16 30); border-color: oklch(0.85 0.08 25); }
.tag.tag-good { background: var(--accent-soft); color: var(--accent); border-color: color-mix(in oklab, var(--accent) 25%, transparent); }

/* Section blocks */
.res-section { padding: 28px 36px; border-bottom: 1px solid var(--rule); }
.res-section:last-child { border-bottom: none; }
.res-section h3 {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin: 0 0 16px;
  font-weight: 500;
}

/* Scenario tabs */
.scenario-tabs {
  display: flex; gap: 0;
  border: 1px solid var(--rule);
  border-radius: 3px;
  overflow: hidden;
  margin-bottom: 20px;
  background: var(--paper);
}
.scenario-tabs button {
  flex: 1;
  background: transparent;
  border: none;
  padding: 12px 10px;
  font-family: var(--sans);
  font-size: 13px;
  color: var(--ink-3);
  border-right: 1px solid var(--rule);
  text-align: center;
  transition: background 0.15s, color 0.15s;
}
.scenario-tabs button:last-child { border-right: none; }
.scenario-tabs button:hover { color: var(--ink); }
.scenario-tabs button.is-active {
  background: var(--card);
  color: var(--ink);
  font-weight: 500;
}
.scenario-tabs button .label {
  display: block;
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-4);
  margin-bottom: 2px;
}
.scenario-tabs button.is-active .label { color: var(--accent); }

.scenario-summary {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 0;
  border: 1px solid var(--rule);
  border-radius: 3px;
  overflow: hidden;
}
.scenario-summary .cell {
  padding: 14px 16px;
  border-right: 1px solid var(--rule);
}
.scenario-summary .cell:last-child { border-right: none; }
.scenario-summary .cell .k {
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 6px;
}
.scenario-summary .cell .v {
  font-family: var(--serif);
  font-size: 22px;
  letter-spacing: -0.01em;
  font-weight: 400;
}
.scenario-summary .cell .v.small { font-size: 18px; }

/* Chart */
.chart {
  margin-top: 4px;
  display: grid;
  grid-template-columns: 32px 1fr;
  gap: 10px;
}
.chart-bars {
  display: grid;
  grid-auto-flow: column;
  grid-auto-columns: 1fr;
  gap: 6px;
  align-items: end;
  height: 200px;
  border-bottom: 1px solid var(--rule);
}
.chart-axis {
  display: grid;
  grid-template-rows: repeat(4, 1fr);
  height: 200px;
  font-family: var(--mono);
  font-size: 9px;
  color: var(--ink-4);
  text-align: right;
  padding-right: 2px;
}
.chart-axis span { transform: translateY(-50%); }
.bar-stack {
  position: relative;
  display: flex;
  flex-direction: column-reverse;
  height: 100%;
  cursor: default;
}
.bar-seg {
  width: 100%;
  transition: opacity 0.15s;
}
.bar-seg.dist { background: var(--accent); }
.bar-seg.tax { background: oklch(0.62 0.13 55); }
.bar-stack:hover .bar-seg { opacity: 0.85; }
.bar-stack:hover .bar-seg:hover { opacity: 1; }

.bar-tooltip {
  position: absolute;
  bottom: calc(100% + 6px);
  left: 50%;
  transform: translateX(-50%);
  background: var(--ink);
  color: var(--paper);
  font-family: var(--mono);
  font-size: 11px;
  padding: 8px 10px;
  border-radius: 3px;
  white-space: nowrap;
  pointer-events: none;
  opacity: 0;
  transition: opacity 0.15s;
  z-index: 5;
  line-height: 1.4;
}
.bar-tooltip .tt-label { color: var(--ink-4); font-size: 10px; }
.bar-stack:hover .bar-tooltip { opacity: 1; }

.chart-x {
  display: grid;
  grid-auto-flow: column;
  grid-auto-columns: 1fr;
  gap: 6px;
  font-family: var(--mono);
  font-size: 10px;
  color: var(--ink-3);
  text-align: center;
  margin-top: 6px;
  padding-left: 42px;
}

.chart-legend {
  display: flex; gap: 18px; margin-top: 14px;
  font-family: var(--mono);
  font-size: 11px;
  color: var(--ink-3);
}
.chart-legend .sw {
  display: inline-block; width: 10px; height: 10px; margin-right: 6px;
  vertical-align: middle;
}
.chart-legend .sw.dist { background: var(--accent); }
.chart-legend .sw.tax { background: oklch(0.62 0.13 55); }

/* Table */
.sched-table {
  width: 100%;
  border-collapse: collapse;
  font-family: var(--mono);
  font-size: 12px;
}
.sched-table th, .sched-table td {
  text-align: right;
  padding: 9px 8px;
  border-bottom: 1px solid var(--rule);
}
.sched-table th:first-child, .sched-table td:first-child {
  text-align: left;
}
.sched-table th {
  font-weight: 500;
  font-size: 10px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-3);
  border-bottom: 1px solid var(--rule-2);
}
.sched-table td.year-num { color: var(--ink-3); }
.sched-table tbody tr:last-child td { border-bottom: none; }
.sched-table tr.is-deadline { background: color-mix(in oklab, var(--accent) 6%, transparent); }
.sched-table tr.is-deadline td:first-child { color: var(--accent); font-weight: 500; }

/* Print button */
.print-row {
  display: flex; gap: 12px; align-items: center;
  padding: 18px 36px;
  background: var(--paper-2);
  border-top: 1px solid var(--rule);
  font-family: var(--mono);
  font-size: 12px;
  color: var(--ink-3);
}
.print-btn {
  background: var(--ink);
  color: var(--paper);
  border: none;
  padding: 9px 16px;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border-radius: 2px;
}
.print-btn.alt {
  background: transparent;
  color: var(--ink);
  border: 1px solid var(--rule-2);
}
.print-btn:hover { background: var(--accent); color: var(--paper); }

/* Alert box */
.alert {
  display: flex; gap: 14px;
  padding: 18px 20px;
  background: var(--warn-soft);
  border: 1px solid oklch(0.85 0.08 60);
  border-radius: 3px;
  font-size: 13.5px;
  color: oklch(0.32 0.06 60);
  line-height: 1.5;
}
.alert.alert-bad {
  background: var(--bad-soft);
  border-color: oklch(0.82 0.08 25);
  color: oklch(0.32 0.1 30);
}
.alert.alert-good {
  background: var(--accent-soft);
  border-color: color-mix(in oklab, var(--accent) 25%, transparent);
  color: var(--accent);
}
.alert-mark {
  flex-shrink: 0;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: oklch(0.62 0.13 55);
  color: white;
  display: grid; place-items: center;
  font-family: var(--serif);
  font-size: 14px;
  font-style: italic;
  font-weight: 600;
}
.alert.alert-bad .alert-mark { background: var(--bad); }
.alert.alert-good .alert-mark { background: var(--accent); }
.alert b { font-weight: 600; }

/* ======== Long-form sections ======== */

.section { padding: 80px 0; border-top: 1px solid var(--rule); }
.section-head { max-width: 720px; margin-bottom: 48px; }
.section-eyebrow {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 16px;
  display: flex; align-items: center; gap: 12px;
}
.section-eyebrow::before {
  content: ""; display: inline-block;
  width: 24px; height: 1px; background: var(--ink-3);
}
.section-title {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(30px, 4vw, 44px);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin: 0 0 16px;
  text-wrap: balance;
}
.section-lead {
  font-size: 18px;
  color: var(--ink-2);
  margin: 0;
  line-height: 1.5;
  text-wrap: pretty;
}

.explainer-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--rule);
  border: 1px solid var(--rule);
  border-radius: 3px;
}
.explainer-grid .cell {
  background: var(--card);
  padding: 28px 28px 32px;
}
.explainer-grid .cell .n {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.1em;
  color: var(--ink-4);
  margin-bottom: 12px;
}
.explainer-grid .cell h4 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 20px;
  letter-spacing: -0.005em;
  margin: 0 0 10px;
}
.explainer-grid .cell p {
  font-size: 14.5px;
  color: var(--ink-2);
  margin: 0;
  line-height: 1.55;
}

/* EDB matrix */
.matrix {
  margin-top: 32px;
  border: 1px solid var(--rule);
  border-radius: 3px;
  background: var(--card);
  overflow: hidden;
}
.matrix-row {
  display: grid;
  grid-template-columns: 240px 1fr 180px;
  gap: 0;
  border-bottom: 1px solid var(--rule);
}
.matrix-row:last-child { border-bottom: none; }
.matrix-row.head {
  background: var(--paper-2);
}
.matrix-row.head .c {
  font-family: var(--mono);
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  padding: 14px 20px;
}
.matrix-row .c {
  padding: 18px 20px;
  font-size: 14px;
  color: var(--ink-2);
  border-right: 1px solid var(--rule);
}
.matrix-row .c:last-child { border-right: none; }
.matrix-row .c .name {
  font-family: var(--serif);
  font-size: 16px;
  color: var(--ink);
  font-weight: 500;
  display: block;
  margin-bottom: 2px;
}
.matrix-row .c .rule {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.04em;
  color: var(--ink-2);
}

/* Timeline */
.timeline {
  margin-top: 16px;
  position: relative;
  padding-left: 32px;
}
.timeline::before {
  content: "";
  position: absolute;
  left: 4px; top: 8px; bottom: 8px;
  width: 1px; background: var(--rule-2);
}
.tl-item {
  position: relative;
  padding: 12px 0 22px;
}
.tl-item::before {
  content: "";
  position: absolute;
  left: -32px; top: 18px;
  width: 9px; height: 9px;
  border-radius: 50%;
  background: var(--paper);
  border: 1.5px solid var(--ink-3);
}
.tl-item.is-active::before { background: var(--accent); border-color: var(--accent); }
.tl-item .yr {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.1em;
  color: var(--ink-3);
  margin-bottom: 4px;
}
.tl-item p {
  margin: 4px 0 0;
  font-size: 14.5px;
  color: var(--ink-2);
  line-height: 1.55;
}
.tl-item strong { color: var(--ink); font-weight: 500; }

/* FAQ */
.faq { display: grid; gap: 0; border-top: 1px solid var(--rule); }
.faq-item {
  border-bottom: 1px solid var(--rule);
  padding: 24px 0;
  display: grid;
  grid-template-columns: 60px 1fr;
  gap: 24px;
  cursor: pointer;
}
.faq-item .q-num {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.1em;
  color: var(--ink-4);
  padding-top: 4px;
}
.faq-item .q {
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 500;
  letter-spacing: -0.01em;
  margin: 0;
  color: var(--ink);
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px;
}
.faq-item .q::after {
  content: "+";
  font-family: var(--sans);
  font-weight: 300;
  font-size: 28px;
  color: var(--ink-3);
  transition: transform 0.2s;
  line-height: 1;
}
.faq-item.is-open .q::after { content: "−"; }
.faq-item .a {
  display: none;
  font-size: 15.5px;
  color: var(--ink-2);
  line-height: 1.6;
  margin-top: 14px;
  max-width: 720px;
}
.faq-item.is-open .a { display: block; }
.faq-item .a p + p { margin-top: 12px; }

/* Cross-link */
.crosslink {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 24px;
  align-items: center;
  padding: 32px 36px;
  background: var(--card);
  border: 1px solid var(--rule);
  border-radius: 3px;
  margin-top: 48px;
}
.crosslink .cl-text {
  font-family: var(--serif);
  font-size: 20px;
  line-height: 1.35;
  color: var(--ink);
  text-wrap: balance;
}
.crosslink .cl-text b { color: var(--accent); font-weight: 500; }
.crosslink .cl-cta {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 12px 20px;
  border: 1px solid var(--ink);
  color: var(--ink);
  border-radius: 2px;
  background: transparent;
  white-space: nowrap;
}
.crosslink .cl-cta:hover { background: var(--ink); color: var(--paper); border-color: var(--ink); }

/* Footer */
.footer {
  padding: 56px 0 48px;
  border-top: 1px solid var(--rule);
  font-size: 13px;
  color: var(--ink-3);
  line-height: 1.6;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 40px;
}
.footer h5 {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink);
  margin: 0 0 14px;
  font-weight: 500;
}
.footer ul { list-style: none; padding: 0; margin: 0; }
.footer ul li { margin-bottom: 8px; }
.footer ul a { color: var(--ink-2); border: none; }
.footer ul a:hover { color: var(--ink); }
.footer .disclaim {
  font-size: 12.5px;
  color: var(--ink-3);
  line-height: 1.55;
  padding-top: 24px;
  border-top: 1px solid var(--rule);
  max-width: 760px;
}

/* ======== Privacy modal ======== */

.modal-backdrop {
  position: fixed; inset: 0;
  background: color-mix(in oklab, var(--ink) 55%, transparent);
  z-index: 100;
  display: grid; place-items: center;
  padding: 32px 20px;
  overflow-y: auto;
  animation: fadeIn 0.18s ease-out;
}
@keyframes fadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}
.modal-card {
  background: var(--card);
  border: 1px solid var(--rule-2);
  border-radius: 4px;
  width: 100%;
  max-width: 720px;
  max-height: calc(100vh - 64px);
  display: flex;
  flex-direction: column;
  box-shadow: 0 24px 60px -20px rgba(20, 22, 30, 0.45);
  animation: rise 0.22s ease-out;
}
@keyframes rise {
  from { transform: translateY(12px); opacity: 0; }
  to { transform: translateY(0); opacity: 1; }
}
.modal-head {
  padding: 28px 36px 22px;
  border-bottom: 1px solid var(--rule);
  position: relative;
}
.modal-eyebrow {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  color: var(--ink-3);
  margin-bottom: 12px;
}
.modal-title {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 38px;
  letter-spacing: -0.02em;
  margin: 0;
  line-height: 1.05;
  color: var(--ink);
}
.modal-close-x {
  position: absolute;
  top: 22px; right: 24px;
  background: transparent;
  border: none;
  font-size: 28px;
  line-height: 1;
  color: var(--ink-3);
  width: 36px; height: 36px;
  display: grid; place-items: center;
  border-radius: 3px;
  cursor: pointer;
  transition: background 0.15s, color 0.15s;
}
.modal-close-x:hover { background: var(--paper-2); color: var(--ink); }

.modal-body {
  padding: 28px 36px;
  overflow-y: auto;
  flex: 1;
}
.short-version {
  margin: 0 0 32px;
  padding: 4px 0 4px 22px;
  border-left: 3px solid var(--accent);
  font-size: 18px;
  line-height: 1.55;
  color: var(--ink);
  font-family: var(--serif);
  font-weight: 400;
  letter-spacing: -0.005em;
}
.short-version b { font-weight: 600; }

.priv-block { margin: 0 0 28px; }
.priv-block h3 {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin: 0 0 14px;
  font-weight: 500;
}
.priv-block p {
  font-size: 15.5px;
  line-height: 1.6;
  color: var(--ink);
  margin: 0 0 14px;
}
.priv-block p:last-child { margin-bottom: 0; }
.priv-block ul {
  margin: 0;
  padding: 0;
  list-style: none;
}
.priv-block ul li {
  position: relative;
  padding-left: 22px;
  margin-bottom: 12px;
  font-size: 15.5px;
  line-height: 1.6;
  color: var(--ink);
}
.priv-block ul li::before {
  content: "";
  position: absolute;
  left: 6px; top: 11px;
  width: 5px; height: 5px;
  border-radius: 50%;
  background: var(--ink);
}
.priv-block ul li b { font-weight: 600; }

.priv-updated {
  border-top: 1px dashed var(--rule);
  padding-top: 18px;
  margin: 24px 0 0;
  font-size: 13px;
  color: var(--ink-3);
}

.modal-foot {
  padding: 16px 36px;
  border-top: 1px solid var(--rule);
  display: flex;
  justify-content: flex-end;
  background: var(--paper-2);
}
.modal-close-btn {
  background: var(--ink);
  color: var(--paper);
  border: none;
  padding: 11px 24px;
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 500;
  border-radius: 3px;
  cursor: pointer;
  transition: background 0.15s;
}
.modal-close-btn:hover { background: var(--accent); }

@media (max-width: 700px) {
  .modal-card { max-height: calc(100vh - 32px); }
  .modal-head, .modal-body, .modal-foot { padding-left: 24px; padding-right: 24px; }
  .modal-title { font-size: 30px; }
}

/* ======== Ad slots ======== */

.ad-zone {
  display: flex;
  flex-direction: column;
  align-items: center;
  margin: 40px auto;
  width: 100%;
}
.ad-label {
  font-family: var(--mono);
  font-size: 9px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--ink-4);
  margin-bottom: 10px;
}
.ad-frame {
  background-color: var(--paper-2);
  background-image: repeating-linear-gradient(
    -45deg,
    transparent 0,
    transparent 8px,
    color-mix(in oklab, var(--ink-4) 12%, transparent) 8px,
    color-mix(in oklab, var(--ink-4) 12%, transparent) 9px
  );
  border: 1px solid var(--rule-2);
  display: grid;
  place-items: center;
  position: relative;
  border-radius: 2px;
}
.ad-frame .ad-meta {
  font-family: var(--mono);
  font-size: 11px;
  color: var(--ink-3);
  background: var(--card);
  padding: 6px 12px;
  border: 1px solid var(--rule);
  border-radius: 2px;
  letter-spacing: 0.04em;
}
.ad-frame .ad-meta b {
  color: var(--ink-2);
  font-weight: 500;
  font-family: var(--serif);
  font-size: 13px;
  letter-spacing: -0.01em;
  display: block;
  margin-bottom: 2px;
}
.ad-frame.leaderboard { width: 728px; height: 90px; max-width: 100%; }
.ad-frame.large-leaderboard { width: 970px; height: 90px; max-width: 100%; }
.ad-frame.billboard { width: 970px; height: 250px; max-width: 100%; }
.ad-frame.rectangle { width: 336px; height: 280px; max-width: 100%; }
.ad-frame.mobile-banner { width: 320px; height: 100px; max-width: 100%; }
.ad-zone.in-content {
  margin: 56px auto 56px;
}
.ad-zone.between {
  padding: 32px 0;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  margin: 0 auto;
  background: var(--paper-2);
}
.ad-zone.between .ad-label { color: var(--ink-3); }

@media (max-width: 760px) {
  .ad-frame.leaderboard,
  .ad-frame.large-leaderboard { width: 320px; height: 100px; }
  .ad-frame.billboard { width: 320px; height: 250px; }
}

/* ======== Responsive ======== */

@media (max-width: 900px) {
  .page { padding: 0 22px; }
  .calc-wrap { }
  .results { position: static; }
  .topnav { display: none; }
  .hero { padding: 56px 0 40px; grid-template-columns: 1fr; gap: 32px; }
  .hero-image { order: -1; max-width: 360px; }
  .matrix-row { grid-template-columns: 1fr; }
  .matrix-row .c { border-right: none; border-bottom: 1px solid var(--rule); }
  .matrix-row .c:last-child { border-bottom: none; }
  .matrix-row.head { display: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .explainer-grid { grid-template-columns: 1fr; }
  .crosslink { grid-template-columns: 1fr; padding: 24px; }
  .scenario-summary { grid-template-columns: 1fr; }
  .scenario-summary .cell { border-right: none; border-bottom: 1px solid var(--rule); }
  .scenario-summary .cell:last-child { border-bottom: none; }
  .deadline-meta { gap: 22px; }
  .faq-item { grid-template-columns: 1fr; gap: 6px; }
  .faq-item .q { font-size: 19px; }
}

/* ======== Print sheet (visible only on print) ======== */
.print-sheet { display: none; }

/* ======== Print ======== */
@media screen {
  .print-sheet { display: none !important; }
}
@media print {
  /* Nuke screen layout: hide everything, show only the print sheet */
  body * { visibility: hidden !important; }
  .print-sheet, .print-sheet * { visibility: visible !important; }
  .print-sheet {
    display: block !important;
    position: absolute;
    left: 0; top: 0;
    width: 100%;
    padding: 0 0.5in;
    background: white;
    color: #1a1d24;
    font-family: var(--serif);
    font-size: 11pt;
    line-height: 1.5;
  }
  @page { margin: 0.6in 0.5in; size: letter; }

  .print-sheet .ps-header {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    padding-bottom: 10pt;
    border-bottom: 1.5px solid #1a1d24;
    margin-bottom: 18pt;
  }
  .print-sheet .ps-brand { display: flex; align-items: center; gap: 8pt; }
  .print-sheet .brand-mark {
    width: 16pt; height: 16pt; border-radius: 50%;
    background: #1a1d24; position: relative; flex-shrink: 0;
  }
  .print-sheet .brand-mark::after {
    content: ""; position: absolute; inset: 3pt; border-radius: 50%;
    background: white;
    clip-path: polygon(0 0, 100% 0, 100% 100%, 50% 100%, 50% 50%, 0 50%);
  }
  .print-sheet .ps-wordmark {
    font-family: var(--serif);
    font-size: 14pt;
    font-weight: 500;
  }
  .print-sheet .ps-date {
    font-family: var(--mono);
    font-size: 8.5pt;
    color: #6a6d75;
    letter-spacing: 0.04em;
  }

  .print-sheet .ps-title {
    font-family: var(--serif);
    font-weight: 400;
    font-size: 22pt;
    letter-spacing: -0.01em;
    margin: 0 0 16pt;
    line-height: 1.1;
  }

  .print-sheet .ps-deadline {
    border: 1px solid #1a1d24;
    padding: 14pt 18pt;
    margin-bottom: 18pt;
    background: #faf7f0;
  }
  .print-sheet .ps-deadline-label {
    font-family: var(--mono);
    font-size: 8.5pt;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: #6a6d75;
    margin-bottom: 4pt;
  }
  .print-sheet .ps-deadline-date {
    font-family: var(--serif);
    font-weight: 400;
    font-size: 26pt;
    letter-spacing: -0.02em;
    line-height: 1;
    margin-bottom: 8pt;
  }
  .print-sheet .ps-deadline-meta {
    font-family: var(--mono);
    font-size: 9pt;
    color: #3a3d44;
  }

  .print-sheet .ps-section { margin-bottom: 18pt; break-inside: avoid; }
  .print-sheet .ps-section h2 {
    font-family: var(--mono);
    font-size: 9.5pt;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: #3a3d44;
    font-weight: 500;
    margin: 0 0 10pt;
    padding-bottom: 5pt;
    border-bottom: 0.5pt solid #c4bca6;
  }
  .print-sheet .ps-section p {
    margin: 0 0 8pt;
    color: #1a1d24;
  }
  .print-sheet .ps-section p b { font-weight: 600; }
  .print-sheet .ps-rule-label {
    font-family: var(--serif);
    font-size: 13pt;
    font-weight: 500;
    margin: 0 0 6pt !important;
  }

  /* Inputs definition list — 2 columns */
  .print-sheet .ps-dl {
    display: grid;
    grid-template-columns: 1fr 1fr;
    column-gap: 24pt;
    row-gap: 0;
    margin: 0;
  }
  .print-sheet .ps-dl > div {
    display: flex;
    justify-content: space-between;
    border-bottom: 0.5pt dotted #c4bca6;
    padding: 5pt 0;
    gap: 12pt;
  }
  .print-sheet .ps-dl dt {
    color: #3a3d44;
    font-family: var(--serif);
    font-size: 10pt;
  }
  .print-sheet .ps-dl dd {
    margin: 0;
    font-family: var(--mono);
    font-size: 10pt;
    color: #1a1d24;
    text-align: right;
    font-weight: 500;
  }

  .print-sheet .ps-pill {
    display: inline-block;
    font-family: var(--serif);
    font-style: italic;
    font-size: 11pt;
    font-weight: 400;
    color: #1a1d24;
    text-transform: none;
    letter-spacing: 0;
    margin-left: 4pt;
    padding-bottom: 0;
  }

  .print-sheet .ps-summary {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    border: 1px solid #c4bca6;
    margin-bottom: 10pt;
  }
  .print-sheet .ps-summary > div {
    padding: 8pt 12pt;
    border-right: 1px solid #c4bca6;
  }
  .print-sheet .ps-summary > div:last-child { border-right: none; }
  .print-sheet .ps-summary dt {
    font-family: var(--mono);
    font-size: 8pt;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: #6a6d75;
    margin-bottom: 4pt;
  }
  .print-sheet .ps-summary dd {
    margin: 0;
    font-family: var(--serif);
    font-size: 16pt;
    color: #1a1d24;
    font-weight: 400;
  }
  .print-sheet .ps-commentary p {
    font-size: 10.5pt;
    line-height: 1.5;
    color: #3a3d44;
  }

  .print-sheet .ps-table {
    width: 100%;
    border-collapse: collapse;
    font-family: var(--mono);
    font-size: 9pt;
    margin-top: 4pt;
  }
  .print-sheet .ps-table th,
  .print-sheet .ps-table td {
    text-align: right;
    padding: 5pt 6pt;
    border-bottom: 0.5pt solid #c4bca6;
  }
  .print-sheet .ps-table th:first-child,
  .print-sheet .ps-table td:first-child { text-align: left; }
  .print-sheet .ps-table th {
    font-size: 8pt;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: #6a6d75;
    font-weight: 500;
    border-bottom: 1pt solid #1a1d24;
  }
  .print-sheet .ps-table tr.is-deadline td {
    background: #faf7f0;
    font-weight: 600;
  }
  .print-sheet .ps-table tr.is-deadline td:first-child { color: #1a1d24; }

  .print-sheet .ps-footer {
    margin-top: 24pt;
    padding-top: 12pt;
    border-top: 0.5pt solid #c4bca6;
    font-size: 8.5pt;
    color: #6a6d75;
    line-height: 1.5;
  }
  .print-sheet .ps-footer p { margin: 0 0 6pt; }
  .print-sheet .ps-footer b { color: #1a1d24; font-weight: 600; }
}