/* ==========================================================================
   Blackburn Retirement Income Planner — Stylesheet
   Calm, warm, trustworthy, spacious. Designed for adults 55+.
   No external font dependencies — uses the system font stack.
   ========================================================================== */

:root {
  /* Blackburn brand palette — deep navy, warm slate, and soft gold on warm
     white and sand backgrounds. Calm and sophisticated; deliberately avoids
     bright "financial industry" blue/gray and anything cold or high-contrast. */
  --color-bg: #FAF8F4;             /* Warm White */
  --color-surface: #FFFFFF;
  --color-surface-alt: #F3EEE3;    /* Very Light Sand */
  --color-surface-soft: #EAE4D8;   /* Soft Gray */
  --color-border: #DDD4C2;
  --color-text: #262A32;
  --color-text-muted: #5C6570;     /* Warm Slate */
  --color-primary: #1F3252;        /* Deep Navy */
  --color-primary-dark: #15233A;
  --color-primary-light: #E7EBF1;
  --color-accent: #8A6A22;         /* Soft Gold, deepened for AA text contrast */
  --color-accent-light: #F2E9D8;
  --color-success: #6E8763;        /* Muted Sage Green */
  --color-surplus: #6E8763;
  --color-gap: #9B6A46;
  --color-balanced: #6B6560;
  --color-focus: #1F3252;

  --font-base: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  --radius-md: 14px;
  --radius-lg: 22px;
  --shadow-card: 0 10px 30px rgba(21, 35, 58, 0.10), 0 2px 6px rgba(21, 35, 58, 0.05);
  --shadow-soft: 0 4px 14px rgba(21, 35, 58, 0.08);

  --max-width: 760px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-base);
  background: var(--color-bg);
  color: var(--color-text);
  font-size: 18px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ---------- Skip link ---------- */
.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--color-primary);
  color: #fff;
  padding: 12px 20px;
  z-index: 200;
  border-radius: 0 0 8px 0;
}
.skip-link:focus {
  left: 0;
}

/* ---------- Focus states ---------- */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[tabindex]:focus-visible {
  outline: 3px solid var(--color-focus);
  outline-offset: 2px;
}

/* ---------- Header / Footer ---------- */
.site-header {
  border-bottom: 1px solid var(--color-border);
  background: var(--color-surface);
}
.header-inner {
  max-width: 900px;
  margin: 0 auto;
  padding: 18px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
}
.brand-mark {
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--color-primary-dark);
  letter-spacing: 0.01em;
}
.privacy-pill {
  font-size: 0.85rem;
  background: var(--color-primary-light);
  color: var(--color-primary-dark);
  padding: 6px 14px;
  border-radius: 999px;
  white-space: nowrap;
}

.site-footer {
  max-width: 900px;
  margin: 0 auto;
  padding: 32px 24px 60px;
  color: var(--color-text-muted);
  font-size: 0.85rem;
  text-align: center;
}

/* ---------- Layout ---------- */
main {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 32px 20px 80px;
}

.card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
  padding: 44px 40px;
}

@media (max-width: 600px) {
  .card {
    padding: 28px 20px;
  }
  body {
    font-size: 17px;
  }
}

h1, h2, h3 {
  color: var(--color-primary-dark);
  line-height: 1.28;
  font-weight: 700;
  letter-spacing: -0.01em;
}
h1 {
  font-size: 2.1rem;
  margin: 0 0 18px;
}
h2 {
  font-size: 1.5rem;
  margin: 0 0 14px;
}
h3 {
  font-size: 1.18rem;
  margin: 28px 0 12px;
}

p {
  margin: 0 0 18px;
}

/* ---------- Intro screen ---------- */
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.8rem;
  color: var(--color-accent);
  font-weight: 700;
  margin: 0 0 10px;
}
.lede {
  font-size: 1.1rem;
  color: var(--color-text-muted);
}
.callout {
  background: var(--color-primary-light);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  margin: 24px 0;
}
.callout p {
  margin: 0;
}
.callout-title {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--color-primary-dark);
  margin-top: 6px !important;
}
.meta-line {
  color: var(--color-text-muted);
  font-weight: 600;
}
.privacy-note {
  font-size: 0.92rem;
  color: var(--color-text-muted);
  background: var(--color-surface-alt);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  margin-top: 28px;
}
.reassurance-note {
  font-size: 0.92rem;
  color: var(--color-text-muted);
  font-style: italic;
  margin-top: 12px;
  margin-bottom: 0;
}

/* ---------- Buttons ---------- */
.btn {
  font-family: inherit;
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  border-radius: 999px;
  padding: 14px 28px;
  cursor: pointer;
  border: 2px solid transparent;
  transition: transform 0.05s ease, background 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease;
  min-height: 48px;
}
.btn:active {
  transform: scale(0.98);
}
.btn-primary {
  background: var(--color-primary);
  color: #fff;
  box-shadow: var(--shadow-soft);
}
.btn-primary:hover {
  background: var(--color-primary-dark);
  box-shadow: 0 6px 18px rgba(21, 35, 58, 0.16);
}
.btn-secondary {
  background: var(--color-surface);
  color: var(--color-primary-dark);
  border-color: var(--color-border);
}
.btn-secondary:hover {
  background: var(--color-surface-alt);
  border-color: var(--color-primary);
}
.btn-text {
  background: transparent;
  color: var(--color-text-muted);
  border: none;
  text-decoration: underline;
  padding: 10px 12px;
}
.btn-large {
  font-size: 1.1rem;
  padding: 18px 32px;
  width: 100%;
}
.btn:disabled {
  opacity: 0.5;
  cursor: not-allowed;
}

/* ---------- Progress bar ---------- */
.progress-wrap {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 24px 20px 0;
}
.progress-track {
  height: 8px;
  background: var(--color-surface-alt);
  border: 1px solid var(--color-border);
  border-radius: 999px;
  overflow: hidden;
}
.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--color-primary), var(--color-accent));
  border-radius: 999px;
  transition: width 0.3s ease;
  width: 0%;
}
.progress-label {
  margin: 12px 0 0;
  font-size: 0.88rem;
  color: var(--color-text-muted);
  font-weight: 600;
  letter-spacing: 0.01em;
}

/* ---------- Sections / steps ---------- */
.screen[hidden] {
  display: none;
}
.section-marker {
  display: inline-block;
  background: var(--color-accent-light);
  color: var(--color-accent);
  font-weight: 700;
  font-size: 0.85rem;
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 16px;
}
.step-intro {
  color: var(--color-text-muted);
}

/* ---------- Form fields ---------- */
.field {
  margin-bottom: 26px;
}
label {
  display: block;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--color-text);
}
legend {
  font-weight: 700;
  padding: 0;
  margin-bottom: 10px;
}
.optional-tag {
  font-weight: 400;
  color: var(--color-text-muted);
  font-size: 0.9rem;
}
.help-text {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  margin: -4px 0 10px;
}
input[type="text"],
input[type="number"],
input[type="email"],
input[type="tel"],
select {
  width: 100%;
  font-size: 1.05rem;
  font-family: inherit;
  padding: 14px 16px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-surface);
  color: var(--color-text);
  min-height: 52px;
}
input:focus,
select:focus {
  border-color: var(--color-primary);
}
.dollar-input {
  position: relative;
  display: flex;
  align-items: center;
}
.dollar-prefix {
  position: absolute;
  left: 16px;
  color: var(--color-text-muted);
  font-weight: 700;
  pointer-events: none;
}
.dollar-input input {
  padding-left: 32px;
}

.error-message {
  color: #A1442A;
  font-size: 0.9rem;
  font-weight: 600;
  margin: 8px 0 0;
  min-height: 1.2em;
}
.field.has-error input,
.field.has-error select {
  border-color: #A1442A;
}

/* Radio tiles */
.radio-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.radio-grid.two-col {
  grid-template-columns: 1fr 1fr;
}
@media (max-width: 520px) {
  .radio-grid {
    grid-template-columns: 1fr;
  }
}
.radio-tile {
  display: flex;
  align-items: center;
  gap: 10px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 14px 16px;
  cursor: pointer;
  font-weight: 500;
  background: var(--color-surface);
  min-height: 48px;
}
.radio-tile input {
  width: 20px;
  height: 20px;
  accent-color: var(--color-primary);
  flex-shrink: 0;
}
.radio-tile:has(input:checked) {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
}

.checkbox-row {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-weight: 400;
  cursor: pointer;
}
.checkbox-row input {
  width: 22px;
  height: 22px;
  margin-top: 2px;
  accent-color: var(--color-primary);
  flex-shrink: 0;
}

.conditional-field {
  border-left: 3px solid var(--color-accent);
  padding-left: 16px;
  margin-left: 2px;
}

/* ---------- Screen 1: subsections, spouse block, choice cards, info callout ----------
   Everything in this block is deliberately scoped to #step-1 (or to classes
   used exclusively by Step 1's JS-rendered lists) so it cannot change the
   look of Steps 2–8, which share base classes like .field and .radio-tile. */

#step-1 .card {
  padding-top: 44px;
  padding-bottom: 44px;
}
#step-1 .field {
  margin-bottom: 30px;
}
#step-1 .radio-tile {
  padding: 18px 18px;
  min-height: 56px;
  font-size: 1.02rem;
}

.subsection-heading {
  margin-top: 40px;
  padding-top: 24px;
  border-top: 1px solid var(--color-border);
  font-size: 1.2rem;
}
.subsection-heading:first-of-type {
  margin-top: 28px;
  padding-top: 0;
  border-top: none;
}
.subsection-heading.small {
  margin-top: 0;
  padding-top: 0;
  border-top: none;
  font-size: 1.02rem;
  color: var(--color-accent);
}

.field-question {
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--color-text);
  margin: 0 0 6px;
}

.personalization-note {
  font-size: 0.95rem;
  color: var(--color-primary-dark);
  background: var(--color-primary-light);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  margin: 4px 0 30px;
  font-style: italic;
}

.spouse-block {
  background: var(--color-surface-alt);
  border-radius: var(--radius-lg);
  padding: 26px 24px 6px;
  margin-top: 16px;
}

/* Card-style multi-select buttons (Retirement Vision / Retirement Concerns) */
.choice-card-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 14px;
}
@media (min-width: 700px) {
  .choice-card-grid {
    grid-template-columns: 1fr 1fr 1fr;
  }
}
@media (max-width: 520px) {
  .choice-card-grid {
    grid-template-columns: 1fr;
  }
}
.choice-card {
  position: relative;
  display: flex;
  align-items: center;
  gap: 10px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 18px 44px 18px 20px;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.98rem;
  background: var(--color-surface);
  min-height: 56px;
  transition: border-color 0.15s ease, background 0.15s ease, box-shadow 0.15s ease, transform 0.05s ease;
}
.choice-card:hover {
  border-color: var(--color-accent);
  box-shadow: var(--shadow-soft);
}
.choice-card:active {
  transform: scale(0.99);
}
.choice-card input {
  position: absolute;
  opacity: 0;
  width: 1px;
  height: 1px;
  pointer-events: none;
}
.choice-card-label {
  color: var(--color-text);
}
.choice-card-check {
  position: absolute;
  top: 14px;
  right: 14px;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: 2px solid var(--color-border);
  background: var(--color-surface);
  flex-shrink: 0;
}
.choice-card:has(input:checked) {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
}
.choice-card:has(input:checked) .choice-card-check {
  border-color: var(--color-primary);
  background: var(--color-primary);
}
.choice-card:has(input:checked) .choice-card-check::after {
  content: "";
  position: absolute;
  left: 6px;
  top: 2px;
  width: 6px;
  height: 11px;
  border: solid #fff;
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}
.choice-card:has(input:focus-visible) {
  outline: 3px solid var(--color-focus);
  outline-offset: 2px;
}
.choice-card.is-disabled {
  opacity: 0.45;
  cursor: not-allowed;
}

/* "Did You Know?" educational card — calm and inviting, not an alert */
.info-callout {
  margin-top: 32px;
  padding: 24px 26px;
  border-radius: var(--radius-lg);
  background: var(--color-accent-light);
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.info-callout-icon {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--color-surface);
  color: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
}
.info-callout-title {
  font-weight: 700;
  color: var(--color-accent);
  font-size: 1rem;
  margin: 0 0 6px;
}
.info-callout-body {
  color: var(--color-text-muted);
  font-size: 0.95rem;
  margin: 0;
}
@media (max-width: 520px) {
  .info-callout {
    padding: 20px;
  }
}

/* ---------- Milestone (positive transition) screen ---------- */
.milestone-card {
  text-align: center;
  padding: 56px 40px;
}
@media (max-width: 600px) {
  .milestone-card {
    padding: 40px 24px;
  }
}
.milestone-card .eyebrow {
  text-align: center;
}
.milestone-card h1 {
  font-size: 2rem;
}
.milestone-body {
  font-size: 1.1rem;
  color: var(--color-text-muted);
  max-width: 560px;
  margin: 0 auto 32px;
}
.milestone-card .btn-large {
  width: auto;
  min-width: 220px;
}

/* ---------- Repeated income/expense/savings rows ---------- */
.source-row {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 20px;
  margin-bottom: 16px;
  background: var(--color-surface-alt);
}
.source-row-header {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 10px;
  margin-bottom: 12px;
}
.source-row-title {
  font-weight: 700;
  font-size: 1.02rem;
}
.source-row-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  align-items: end;
}
@media (max-width: 560px) {
  .source-row-grid {
    grid-template-columns: 1fr;
  }
}
.source-row-note {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin: 6px 0 0;
}
.freq-toggle {
  display: flex;
  gap: 8px;
}
.freq-toggle button {
  flex: 1;
  padding: 10px;
  font-size: 0.9rem;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-surface);
  cursor: pointer;
  font-weight: 600;
  color: var(--color-text-muted);
}
.freq-toggle button.active {
  border-color: var(--color-primary);
  color: var(--color-primary-dark);
  background: var(--color-primary-light);
}
.status-select {
  font-size: 0.95rem;
  padding: 10px 12px;
  min-height: 44px;
}

.running-total {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: var(--color-primary-light);
  border-radius: var(--radius-md);
  padding: 18px 22px;
  margin-top: 20px;
  flex-wrap: wrap;
  gap: 8px;
}
.running-total-label {
  font-weight: 700;
  color: var(--color-primary-dark);
}
.running-total-value {
  font-weight: 800;
  font-size: 1.4rem;
  color: var(--color-primary-dark);
}

/* ---------- Step 4 comparison ---------- */
.comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 20px;
}
@media (max-width: 520px) {
  .comparison-grid {
    grid-template-columns: 1fr;
  }
}
.comparison-box {
  background: var(--color-surface-alt);
  border-radius: var(--radius-md);
  padding: 20px;
  text-align: center;
}
.comparison-label {
  display: block;
  font-size: 0.9rem;
  color: var(--color-text-muted);
  font-weight: 600;
  margin-bottom: 6px;
}
.comparison-value {
  display: block;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--color-primary-dark);
}

.position-result {
  border-radius: var(--radius-md);
  padding: 22px 24px;
  background: var(--color-accent-light);
  border-left: 5px solid var(--color-accent);
}
.position-title {
  font-weight: 800;
  font-size: 1.15rem;
  margin: 0 0 8px;
  color: var(--color-primary-dark);
}
.position-detail {
  margin: 0;
  color: var(--color-text-muted);
}
.disclaimer-note {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  margin-top: 18px;
  font-style: italic;
}

/* ---------- Step 5 former accounts ---------- */
.former-accounts-block {
  border-top: 1px solid var(--color-border);
  margin-top: 24px;
  padding-top: 8px;
}

/* ---------- Progressive disclosure: financial screens (Steps 2, 3, 5) ----------
   Shared, generic classes — not scoped to any single step, reused wherever a
   financial screen needs a gentle "it's okay to estimate" note, a grouped
   sub-heading, a Yes/No/Not sure existence gate, or an end-of-screen
   progress acknowledgment. */

.estimate-reassurance {
  font-size: 0.92rem;
  color: var(--color-text-muted);
  font-style: italic;
  margin-top: -8px;
  margin-bottom: 28px;
}

.progress-note {
  font-size: 0.98rem;
  color: var(--color-primary-dark);
  background: var(--color-primary-light);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  margin: 24px 0 0;
  text-align: center;
  font-style: italic;
}

/* A named group of related fields within a financial screen — e.g. "Social
   Security" within Income, or a savings category. */
.financial-group {
  margin-bottom: 28px;
}
.financial-group-heading {
  font-size: 1.1rem;
  color: var(--color-primary-dark);
  margin: 0 0 14px;
}

/* Owner heading (Savings step): marks the start of one person's block of
   retirement-account categories in a married/partnered household, so it
   reads as a clear section break rather than just another category. */
.owner-heading {
  font-size: 1.25rem;
  margin: 36px 0 18px;
  padding-top: 24px;
  border-top: 1px solid var(--color-border);
  color: var(--color-primary-dark);
}
.owner-heading:first-child {
  margin-top: 0;
  padding-top: 0;
  border-top: none;
}

/* Existence gate: "Do you expect to receive X? Yes / No / Not sure."
   Deliberately larger than the compact .pill-choice used in Step 6, since
   these gate a screen's core question and benefit from bigger touch targets. */
.gate-question {
  font-weight: 700;
  margin-bottom: 10px;
}
.gate-choices {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.gate-choice {
  position: relative;
  border: 2px solid var(--color-border);
  border-radius: 999px;
  padding: 12px 22px;
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  cursor: pointer;
  font-size: 0.95rem;
  font-weight: 600;
  background: var(--color-surface);
  color: var(--color-text-muted);
}
.gate-choice input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.gate-choice:has(input:checked) {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: #fff;
}
.gate-choice:has(input:focus-visible) {
  outline: 3px solid var(--color-focus);
  outline-offset: 2px;
}

/* A single income source or savings category block: gate question up top,
   detail fields revealed underneath once the answer is Yes. */
.reveal-block {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 20px;
  margin-bottom: 14px;
  background: var(--color-surface-alt);
}
.reveal-block-title {
  font-weight: 700;
  font-size: 1.02rem;
  margin: 0 0 12px;
}
.reveal-block-detail {
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px dashed var(--color-border);
}
.reveal-block-collapsed-note {
  margin-top: 10px;
  font-size: 0.88rem;
  color: var(--color-text-muted);
}

/* A debt block nested inside another reveal-block — used for HOA/community
   fees, shown directly underneath the housing detail fields once a
   homeowner (with or without a mortgage) is selected. Slightly recessed so
   it reads as "part of Housing" rather than a fully separate block. */
.nested-reveal-block {
  margin-top: 14px;
  background: var(--color-surface);
}

/* Info icon + tooltip: hover reveals on desktop, click/tap toggles a
   persistent open state (also works for touch and keyboard users). */
.info-icon-wrap {
  position: relative;
  display: inline-flex;
}
.info-icon {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: 1.5px solid var(--color-text-muted);
  background: transparent;
  color: var(--color-text-muted);
  font-size: 0.75rem;
  font-weight: 700;
  font-style: italic;
  font-family: Georgia, "Times New Roman", serif;
  line-height: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  flex-shrink: 0;
  padding: 0;
}
.info-icon:hover,
.info-icon:focus-visible {
  border-color: var(--color-primary);
  color: var(--color-primary);
}
.info-tooltip {
  display: none;
  position: absolute;
  z-index: 20;
  bottom: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%);
  width: 220px;
  background: var(--color-primary-dark);
  color: #fff;
  font-size: 0.82rem;
  font-weight: 400;
  line-height: 1.4;
  padding: 10px 12px;
  border-radius: 10px;
  text-align: left;
  box-shadow: 0 6px 18px rgba(21, 35, 58, 0.22);
}
.info-icon-wrap:hover .info-tooltip,
.info-icon-wrap.is-open .info-tooltip {
  display: block;
}
@media (max-width: 520px) {
  .info-tooltip {
    left: auto;
    right: -8px;
    transform: none;
  }
}

/* Optional payoff timeline select shown beside debt line items */
.payoff-field {
  margin-top: 12px;
}
.payoff-field label {
  font-weight: 500;
  font-size: 0.92rem;
}

/* ---------- Step 6/7 topic rows ---------- */
.topic-row, .confidence-row {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 20px;
  margin-bottom: 16px;
  background: var(--color-surface-alt);
}
.topic-row-title, .confidence-row-title {
  font-weight: 700;
  margin-bottom: 12px;
  display: block;
}
.pill-choices {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.pill-choice {
  border: 2px solid var(--color-border);
  border-radius: 999px;
  padding: 10px 16px;
  cursor: pointer;
  font-size: 0.9rem;
  font-weight: 600;
  background: var(--color-surface);
  color: var(--color-text-muted);
}
.pill-choice input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.pill-choice:has(input:checked) {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: #fff;
}
.pill-choice {
  position: relative;
}

.scale-choices {
  display: flex;
  gap: 8px;
  justify-content: space-between;
}
.scale-choice {
  flex: 1;
  text-align: center;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 10px 4px;
  cursor: pointer;
  background: var(--color-surface);
  position: relative;
}
.scale-choice input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.scale-choice .scale-num {
  display: block;
  font-weight: 800;
  font-size: 1.1rem;
  color: var(--color-primary-dark);
}
.scale-choice .scale-word {
  display: block;
  font-size: 0.72rem;
  color: var(--color-text-muted);
  margin-top: 2px;
}
.scale-choice:has(input:checked) {
  border-color: var(--color-primary);
  background: var(--color-primary-light);
}
@media (max-width: 560px) {
  .scale-choices { flex-wrap: wrap; }
  .scale-choice { flex-basis: 30%; }
}

/* ---------- Navigation ---------- */
.planner-nav {
  max-width: var(--max-width);
  margin: 28px auto 0;
  padding: 0 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}

/* ---------- Results screen ---------- */
.results-card {
  padding: 44px 40px;
}
@media (max-width: 600px) {
  .results-card {
    padding: 28px 20px;
  }
}
.results-section {
  border-top: 1px solid var(--color-border);
  padding-top: 24px;
  margin-top: 24px;
}
.results-section:first-of-type {
  border-top: none;
  margin-top: 8px;
}
.fact-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 20px;
  margin: 0;
}
.fact-list dt {
  color: var(--color-text-muted);
  font-weight: 600;
}
.fact-list dd {
  margin: 0;
  font-weight: 700;
  text-align: right;
}
@media (max-width: 520px) {
  .fact-list {
    grid-template-columns: 1fr;
  }
  .fact-list dd {
    text-align: left;
    margin-bottom: 8px;
  }
}
.results-total {
  text-align: right;
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--color-primary-dark);
  margin-top: 14px;
}

/* ---------- Snapshot (Results screen) ----------
   Deliberately avoids red/green pass-fail colors, gauges, and scores
   anywhere — every visual here uses the same two brand colors (navy and
   gold) regardless of whether the household has a gap or a surplus. The
   difference is communicated through the numbers themselves, not through
   judgment-coded color. */
.snapshot-header {
  margin-bottom: 8px;
}
.snapshot-prepared-for {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-primary-dark);
  margin: 4px 0 14px;
}
.snapshot-intro {
  color: var(--color-text-muted);
  font-size: 1.02rem;
  max-width: 62ch;
}

/* Hero comparison bar */
.snapshot-hero {
  background: var(--color-surface-alt);
  border-radius: var(--radius-lg);
  padding: 26px 24px;
  margin: 20px 0 8px;
}
.snapshot-bar-row + .snapshot-bar-row {
  margin-top: 18px;
}
.snapshot-bar-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-weight: 700;
  color: var(--color-primary-dark);
  margin-bottom: 6px;
}
.snapshot-bar-value {
  font-weight: 800;
  font-size: 1.1rem;
}
.snapshot-bar-track {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: 999px;
  height: 16px;
  overflow: hidden;
}
.snapshot-bar-fill {
  height: 100%;
  border-radius: 999px;
  transition: width 0.3s ease;
}
.snapshot-bar-need { background: var(--color-primary); }
.snapshot-bar-spendable { background: var(--color-accent); }
.snapshot-hero-result {
  margin-top: 22px;
  padding-top: 18px;
  border-top: 1px solid var(--color-border);
  text-align: center;
}
.snapshot-hero-result-label {
  font-weight: 700;
  color: var(--color-text-muted);
  margin: 0 0 4px;
}
.snapshot-hero-result-value {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--color-primary-dark);
  margin: 0;
}

/* Retirement Paycheck Target */
/* Sprint 3.1: the hero above already shows the two big numbers at full
   size, so this heading is deliberately modest — a light label over the
   card row, not a competing section title. */
.snapshot-cards-heading {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-text-muted);
  font-weight: 700;
  margin: 0 0 10px;
}
.snapshot-three-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-top: 18px;
}
@media (max-width: 700px) {
  .snapshot-three-cards {
    grid-template-columns: 1fr;
  }
}
.snapshot-summary-card {
  background: var(--color-surface-alt);
  border-radius: var(--radius-md);
  padding: 18px 16px;
  text-align: center;
}
.snapshot-summary-card-label {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--color-text-muted);
  margin: 0 0 6px;
}
.snapshot-summary-card-value {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--color-primary-dark);
  margin: 0;
}

/* Income sources / owner groupings reuse .financial-group-heading and
   .owner-heading, already defined for Step 3 and Step 5. */
.snapshot-owner-total {
  text-align: right;
  font-weight: 700;
  color: var(--color-primary-dark);
  margin: 4px 0 18px;
}
/* Resource categories (Retirement Accounts / Cash & Bank Savings /
   Brokerage & Other Resources) nested inside each owner's block. */
.snapshot-resource-group-label {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-accent);
  font-weight: 700;
  margin: 14px 0 8px;
}
.snapshot-resource-subtotal {
  text-align: right;
  font-weight: 600;
  color: var(--color-text-muted);
  margin: 2px 0 10px;
  padding-top: 4px;
  border-top: 1px solid var(--color-border);
}

/* Tax breakdown */
.snapshot-tax-breakdown {
  background: var(--color-surface-alt);
  border-radius: var(--radius-md);
  padding: 18px 20px;
}
.snapshot-tax-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  padding: 8px 0;
}
.snapshot-tax-row + .snapshot-tax-row {
  border-top: 1px solid var(--color-border);
}
.snapshot-tax-row-label {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  color: var(--color-text-muted);
  font-weight: 600;
}
.snapshot-tax-row-value {
  font-weight: 700;
  color: var(--color-primary-dark);
  white-space: nowrap;
}
.snapshot-tax-row-total {
  padding-top: 14px;
}
.snapshot-tax-row-total .snapshot-tax-row-label,
.snapshot-tax-row-total .snapshot-tax-row-value {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--color-primary-dark);
}
.snapshot-tax-disclaimer {
  margin-top: 14px;
}

/* Still to Account For / Income Currently Accounted For */
.snapshot-difference-value {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--color-primary-dark);
  margin: 4px 0;
}

/* Future spending timeline */
.snapshot-timeline-step {
  background: var(--color-surface-alt);
  border-radius: var(--radius-md);
  padding: 18px 20px;
}
.snapshot-timeline-arrow {
  text-align: center;
  color: var(--color-text-muted);
  font-size: 1.2rem;
  margin: 6px 0;
}
.snapshot-timeline-when {
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--color-accent);
  margin: 0 0 8px;
}
.snapshot-timeline-event {
  font-weight: 600;
  color: var(--color-text);
  margin: 0 0 6px;
}
.snapshot-timeline-label {
  color: var(--color-text-muted);
  font-weight: 600;
  margin: 10px 0 2px;
}
.snapshot-timeline-value {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--color-primary-dark);
  margin: 0 0 8px;
}
.snapshot-timeline-compare {
  margin: 0;
}

/* What You Told Us Matters — priority cards */
.snapshot-priority-card {
  background: var(--color-surface-alt);
  border-left: 5px solid var(--color-accent);
  border-radius: var(--radius-md);
  padding: 18px 20px;
  margin-bottom: 14px;
}
.snapshot-priority-card h3 {
  margin: 0 0 8px;
  color: var(--color-primary-dark);
  font-size: 1.05rem;
}
.snapshot-priority-quote {
  font-style: italic;
  color: var(--color-text);
  margin: 0 0 8px;
}

/* What's Already Taking Shape */
.snapshot-organized-list {
  list-style: none;
  margin: 0;
  padding: 0;
}
.snapshot-organized-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 12px;
}
.snapshot-check {
  color: var(--color-accent);
  font-weight: 800;
  flex-shrink: 0;
}

/* Snapshot at a Glance */
.snapshot-glance {
  background: var(--color-primary-light);
  border-radius: var(--radius-lg);
  padding: 24px 24px 8px;
}
.snapshot-glance-list dt {
  color: var(--color-primary-dark);
}

.progress-summary-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
}
@media (max-width: 520px) {
  .progress-summary-grid { grid-template-columns: 1fr; }
}
.progress-summary-item {
  border-radius: var(--radius-md);
  padding: 14px 16px;
  background: var(--color-surface-alt);
  font-size: 0.92rem;
}
.progress-summary-item .psi-topic {
  font-weight: 700;
  display: block;
  margin-bottom: 4px;
}
.psi-badge {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 999px;
}
.psi-addressed { background: var(--color-primary-light); color: var(--color-primary-dark); }
.psi-partially { background: var(--color-accent-light); color: var(--color-accent); }
.psi-not_yet   { background: #F1E4DD; color: var(--color-gap); }
.psi-unsure    { background: #ECE8E0; color: var(--color-text-muted); }
.psi-na        { background: #ECE8E0; color: var(--color-text-muted); }

/* ---------- Retirement Feelings questions (Step 7) ----------
   Seven standalone topic questions, each presented as its own card with
   large, easy-to-tap answer choices. Deliberately avoids anything that
   reads as a score, gauge, or quiz — no bars, no color grading. */
.feeling-block {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 20px;
  margin-bottom: 16px;
  background: var(--color-surface-alt);
}
.feeling-question-number {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--color-text-muted);
  margin-bottom: 8px;
}
.feeling-question {
  font-size: 1.05rem;
  font-weight: 700;
  margin: 0 0 14px;
  color: var(--color-text);
}
.feeling-answer-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.feeling-answer {
  position: relative;
  display: flex;
  align-items: center;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  min-height: 48px;
  background: var(--color-surface);
  cursor: pointer;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-text-muted);
}
.feeling-answer input {
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.feeling-answer:has(input:checked) {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: #fff;
}
.feeling-answer:has(input:focus-visible) {
  outline: 3px solid var(--color-focus);
  outline-offset: 2px;
}

.questions-list {
  padding-left: 22px;
  margin: 0;
}
.questions-list li {
  margin-bottom: 12px;
}

.closing-section p {
  font-size: 1.05rem;
  color: var(--color-text-muted);
  font-style: italic;
}

.results-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 32px;
}
.results-actions .btn {
  flex: 1 1 auto;
}
.results-footer-actions {
  display: flex;
  justify-content: center;
  gap: 20px;
  margin-top: 20px;
  flex-wrap: wrap;
}

/* ---------- Modals ---------- */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(21, 35, 58, 0.55);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  z-index: 300;
}
.modal-overlay[hidden] {
  display: none;
}
.modal-box {
  background: var(--color-surface);
  border-radius: var(--radius-lg);
  padding: 32px;
  max-width: 460px;
  width: 100%;
  box-shadow: var(--shadow-card);
}
.modal-actions {
  display: flex;
  gap: 12px;
  justify-content: flex-end;
  margin-top: 20px;
}

/* ---------- Step 4: Debts — number + unit "time until paid off" field,
   repeatable debt rows (Vehicle Loans, Student Loans) ---------- */
.term-input-row {
  display: flex;
  gap: 10px;
}
.term-input-row .term-number {
  flex: 1;
  min-width: 0;
}
.term-input-row .term-unit {
  flex: 1;
  min-width: 0;
}
.debt-item-row .source-row-header {
  align-items: center;
}
.debt-remove-btn {
  font-size: 0.85rem;
  padding: 4px 10px;
  min-height: auto;
}
.btn-add-item {
  margin-top: 4px;
}

/* ---------- Contact step: names retrieved automatically from Step 1 ---------- */
.contact-name-display {
  background: var(--color-surface-alt);
  border-radius: var(--radius-md);
  padding: 14px 18px;
}
.contact-name-line {
  font-weight: 700;
  margin: 0 0 4px;
  color: var(--color-text);
}
.contact-name-line:last-child {
  margin-bottom: 0;
}

/* ---------- Review & Edit screen ----------
   A central review hub: one calm card per section, each with an Edit
   button that jumps back to the step that collected it. Deliberately
   reuses the existing card / fact-list / button language rather than
   introducing a new visual system. */
.review-card-shell {
  padding: 44px 40px;
}
@media (max-width: 600px) {
  .review-card-shell {
    padding: 28px 20px;
  }
}
.review-card {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  padding: 22px 24px;
  margin-bottom: 18px;
  background: var(--color-surface-alt);
}
.review-card-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-bottom: 8px;
}
.review-card-header h3 {
  margin: 0;
  font-size: 1.1rem;
  color: var(--color-primary-dark);
}
.review-edit-btn {
  flex-shrink: 0;
  padding: 6px 14px;
  min-height: auto;
  font-size: 0.9rem;
}
.review-card .fact-list {
  margin-top: 6px;
}
.review-card .help-text {
  margin: 10px 0 0;
}
.review-debt-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.review-debt-item {
  border-top: 1px dashed var(--color-border);
  padding-top: 12px;
}
.review-debt-item:first-child {
  border-top: none;
  padding-top: 0;
}
.review-debt-title {
  font-weight: 700;
  margin: 0 0 4px;
  color: var(--color-text);
}
.review-debt-line {
  margin: 0 0 2px;
  color: var(--color-text-muted);
  font-size: 0.95rem;
}
.review-cta {
  border-top: 1px solid var(--color-border);
  margin-top: 8px;
  padding-top: 28px;
  text-align: center;
}
.review-cta h2 {
  margin-bottom: 8px;
}
.review-cta-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  margin-top: 20px;
}
.review-cta-actions .btn-large {
  width: auto;
  min-width: 300px;
}
@media (max-width: 520px) {
  .review-cta-actions .btn-large {
    width: 100%;
    min-width: 0;
  }
}

/* ==========================================================================
   Sprint 5 — Consumer Next-Step / Conversion Layer.
   Deliberately reuses existing brand colors, radii, shadows, buttons, and
   form-field styles verbatim — no new palette, no red/green qualification
   indicators, no bright "sales" colors, no countdown/urgency treatment.
   Should read as a natural continuation of the Snapshot, not a separate
   marketing page bolted onto the end of it.
   ========================================================================== */
.next-step-section {
  border-top: 1px solid var(--color-border);
  padding-top: 24px;
  margin-top: 24px;
}
.next-step-accomplishment {
  font-size: 0.95rem;
  color: var(--color-text-muted);
  font-style: italic;
  margin: 0 0 14px;
}
.next-step-cta-card,
.next-step-contact-card,
.next-step-confirmation-card {
  background: var(--color-surface-alt);
  border-radius: var(--radius-lg);
  padding: 26px 28px;
}
@media (max-width: 600px) {
  .next-step-cta-card,
  .next-step-contact-card,
  .next-step-confirmation-card {
    padding: 20px 18px;
  }
}
.next-step-eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.8rem;
  color: var(--color-accent);
  font-weight: 700;
  margin: 0 0 10px;
}
.next-step-headline {
  color: var(--color-primary-dark);
  margin: 0 0 14px;
}
.next-step-body-text {
  color: var(--color-text);
}
.next-step-cta-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  margin-top: 10px;
}
.next-step-cta-actions .btn-large {
  width: auto;
  min-width: 320px;
}
@media (max-width: 520px) {
  .next-step-cta-actions .btn-large {
    width: 100%;
    min-width: 0;
  }
}
.next-step-supporting-text {
  font-size: 0.92rem;
  color: var(--color-text-muted);
  text-align: center;
  margin: 4px 0 0;
}

/* Contact-collection card — shared by Paths A, B, and C */
.next-step-contact-headline {
  color: var(--color-primary-dark);
  margin: 0 0 8px;
}
.next-step-personalized-line {
  font-weight: 700;
  color: var(--color-text);
  margin: 0 0 8px;
}
.next-step-contact-fields {
  margin-top: 18px;
}
.next-step-consent-placeholder {
  font-size: 0.88rem;
  color: var(--color-text-muted);
  background: var(--color-surface);
  border-radius: var(--radius-md);
  padding: 12px 16px;
  margin: 4px 0 20px;
}
.next-step-contact-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}
.next-step-contact-actions .btn-large {
  width: auto;
  min-width: 280px;
}
@media (max-width: 520px) {
  .next-step-contact-actions .btn-large {
    width: 100%;
    min-width: 0;
  }
}

/* Confirmation card — Path B / Path C text confirmations, and the shell
   the Path A scheduling placeholder card below sits inside */
.next-step-confirmation-card h3 {
  color: var(--color-primary-dark);
  margin: 0 0 10px;
}
.next-step-appointment-name {
  font-weight: 700;
  color: var(--color-text);
  margin: 0 0 18px;
}

/* Path A — scheduling placeholder. A clearly-marked development stand-in,
   not a real calendar embed — see the CALENDAR INTEGRATION PLACEHOLDER
   comment above buildSchedulingPlaceholder() in planner.js. Styled as a
   calm dashed panel so it reads as "not finished yet" without looking
   broken or alarming. */
.calendar-placeholder {
  border: 2px dashed var(--color-border);
  border-radius: var(--radius-md);
  padding: 28px 20px;
  text-align: center;
  background: var(--color-surface);
}
.calendar-placeholder-label {
  font-weight: 700;
  color: var(--color-primary-dark);
  margin: 0 0 8px;
}
.calendar-placeholder-text {
  font-size: 0.92rem;
  color: var(--color-text-muted);
  margin: 0;
}

/* ---------- Print styles ---------- */
@media print {
  .site-header, .site-footer, .progress-wrap, .planner-nav,
  .results-actions, .results-footer-actions, .modal-overlay, .skip-link,
  .next-step-section {
    display: none !important;
  }
  body {
    background: #fff;
    font-size: 13px;
  }
  .card {
    box-shadow: none;
    border: none;
    padding: 0;
  }
  main {
    padding: 0;
    max-width: 100%;
  }
}

/* ==========================================================================
   Sprint 4 — INTERNAL QUALIFICATION ENGINE dev panel.
   NOT part of the consumer experience. Only ever created in the DOM when
   the page is loaded with ?debug=qualification in the URL — see
   maybeShowQualificationDevPanel() in planner.js. Safe to delete this
   entire block (and its JS counterpart) before shipping to production.
   ========================================================================== */
.qe-dev-panel {
  position: fixed;
  bottom: 16px;
  right: 16px;
  z-index: 9999;
  width: 360px;
  max-width: calc(100vw - 32px);
  max-height: 70vh;
  overflow-y: auto;
  background: #111827;
  color: #e5e7eb;
  border: 2px solid #f59e0b;
  border-radius: 10px;
  padding: 14px 16px;
  font-family: ui-monospace, Menlo, Consolas, monospace;
  font-size: 12px;
  line-height: 1.5;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.35);
}
.qe-dev-panel h4 {
  margin: 12px 0 6px;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: #f59e0b;
}
.qe-dev-panel h4:first-of-type { margin-top: 0; }
.qe-dev-panel dl { margin: 0; }
.qe-dev-panel dt { color: #9ca3af; margin-top: 6px; }
.qe-dev-panel dd { margin: 0 0 2px; color: #e5e7eb; word-break: break-word; }
.qe-dev-panel ul { margin: 4px 0 0; padding-left: 16px; }
.qe-dev-panel li { margin-bottom: 2px; }
.qe-dev-panel .qe-dev-close {
  position: absolute;
  top: 8px;
  right: 10px;
  background: transparent;
  border: none;
  color: #9ca3af;
  cursor: pointer;
  font-size: 14px;
  line-height: 1;
  padding: 4px;
}
.qe-dev-panel .qe-dev-close:hover { color: #f59e0b; }

@media print {
  .qe-dev-panel { display: none !important; }
}