:root{--bg:#f4f6f3;--surface:#fff;--surface-soft:#f8faf8;--fg:#17211b;--muted:#66736b;--border:#dde4dd;--accent:#0e7a5f;--accent2:#e9a13b;--draw:#c4553b;--radius:18px}
*{box-sizing:border-box}body{margin:0;font:16px/1.5 system-ui,-apple-system,"Segoe UI",sans-serif;background:var(--bg);color:var(--fg)}
.topbar{display:flex;justify-content:space-between;align-items:center;padding:12px clamp(18px,3.5vw,48px);background:#12241c;color:#eef5f0;position:sticky;top:0;z-index:10;box-shadow:0 2px 10px rgba(18,36,28,.12)}
.brand{display:flex;gap:12px;align-items:center}.logo{font-size:26px}.brand strong{display:block;font-size:18px;letter-spacing:-.01em}.brand small{display:block;color:#9fb8aa;font-size:12px}
.top-actions{display:flex;gap:8px}
.btn{border:1px solid #355646;background:transparent;color:inherit;border-radius:99px;padding:7px 14px;cursor:pointer;font:inherit;font-size:13px;transition:background .15s}.btn:hover{background:#1d3a2d}
.hero{max-width:1560px;margin:0 auto;padding:28px clamp(18px,3.5vw,48px) 6px}.hero h1{font-size:clamp(24px,3.2vw,36px);line-height:1.15;margin:0 0 6px;letter-spacing:-.025em}.hero p{color:var(--muted);max-width:740px;margin:0;font-size:15px}
.layout{max-width:1560px;margin:0 auto;padding:16px clamp(18px,3.5vw,48px) 32px;display:grid;gap:24px}
.panel,.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:24px;min-width:0;box-shadow:0 1px 3px rgba(18,36,28,.04)}
.inputs{padding:20px 22px}
.inputs-head{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:4px;padding-bottom:12px;border-bottom:1px solid var(--border)}
.inputs-head h2{margin:0;font-size:18px;letter-spacing:-.01em}
.inputs-head small{color:var(--muted);font-size:12px}
.plan-fields{display:grid;gap:0}
.plan-fields fieldset{border:0;border-bottom:1px solid var(--border);padding:18px 0 8px;margin:0;background:transparent;min-width:0}
.plan-fields fieldset:last-child{border-bottom:0;padding-bottom:2px}
.input-pane{background:#eef7f2;border:1px solid #c6e2d4;border-radius:12px;padding:16px 14px 4px;margin:14px 0 8px}
.input-pane fieldset{border-bottom:0;padding:10px 0 2px}
.input-pane .field input[type=number],.input-pane .field input[type=text],.input-pane .money,.input-pane .pct,.input-pane .range-years input{background:var(--surface)}
.input-pane .solver{background:var(--surface)}
.input-pane .presets button{background:var(--surface)}
legend{font-weight:700;font-size:12px;text-transform:uppercase;letter-spacing:.07em;color:var(--accent);padding:0;margin-bottom:12px;display:block;width:100%}
legend em{font-weight:500;color:var(--muted);font-style:normal;text-transform:none;letter-spacing:0}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:0 12px;align-items:start}
.field{display:block;margin:0 0 12px;min-width:0}.field>span{display:block;font-size:13px;font-weight:600;margin-bottom:4px;line-height:1.25}.field em{font-weight:400;color:var(--muted);font-style:normal;font-size:11.5px}
.field input[type=number],.field input[type=text]{width:100%;padding:8px 11px;border:1px solid var(--border);border-radius:9px;font:inherit;font-size:14.5px;background:var(--surface-soft)}.field input:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:transparent;background:#fff}
.money,.pct{display:flex;align-items:center;border:1px solid var(--border);border-radius:9px;background:var(--surface-soft);overflow:hidden}.money:focus-within,.pct:focus-within{outline:2px solid var(--accent);outline-offset:1px;border-color:transparent;background:#fff}
.money i,.pct i{font-style:normal;color:var(--muted);padding:0 3px 0 10px;font-size:13.5px;white-space:nowrap}.money input,.pct input{border:0!important;background:transparent!important;outline:none!important}.pct i{padding:0 10px 0 3px}
.hint{display:block;color:var(--muted);font-size:11.5px;line-height:1.4;margin-top:4px}
.check-field{display:flex;align-items:center;gap:8px;cursor:pointer}.check-field input{width:17px;height:17px;accent-color:var(--accent);flex:none}.check-field>span{margin:0}
.field-group-hint{margin:-4px 0 12px}
.slider-row{display:flex;gap:12px;align-items:center}.slider-row input{flex:1;accent-color:var(--accent)}.slider-row output{font-weight:700;min-width:52px;text-align:right;font-size:14px}
.range-dual{position:relative;height:28px;--lo:0%;--hi:50%}
.range-dual::before{content:"";position:absolute;left:0;right:0;top:12px;height:4px;border-radius:99px;background:#e3e9e3}
.range-dual::after{content:"";position:absolute;left:var(--lo);right:calc(100% - var(--hi));top:12px;height:4px;border-radius:99px;background:var(--accent)}
.range-dual input[type=range]{position:absolute;inset:0;width:100%;margin:0;-webkit-appearance:none;appearance:none;background:transparent;pointer-events:none;height:28px}
.range-dual input[type=range]::-webkit-slider-runnable-track{background:transparent;height:28px}
.range-dual input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;pointer-events:auto;width:18px;height:18px;margin-top:5px;border-radius:50%;background:var(--surface);border:3px solid var(--accent);box-shadow:0 1px 4px rgba(18,36,28,.25);cursor:grab}
.range-dual input[type=range]::-moz-range-track{background:transparent}
.range-dual input[type=range]::-moz-range-thumb{pointer-events:auto;width:13px;height:13px;border-radius:50%;background:var(--surface);border:3px solid var(--accent);box-shadow:0 1px 4px rgba(18,36,28,.25);cursor:grab}
.range-dual input[type=range]:focus-visible{outline:2px solid var(--accent);outline-offset:2px;border-radius:99px}
.range-dual input[type=range]:disabled::-webkit-slider-thumb{border-color:var(--muted);cursor:not-allowed}
.range-dual input[type=range]:disabled::-moz-range-thumb{border-color:var(--muted);cursor:not-allowed}
.range-meta{display:flex;justify-content:space-between;gap:10px;align-items:baseline}
.range-meta output{font-weight:700;font-size:13.5px}
.range-meta span{color:var(--muted);font-size:12px;text-align:right}
.range-years{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:6px}
.range-years label{display:flex;align-items:center;gap:7px;font-size:12px;font-weight:600;color:var(--muted)}
.range-years input{width:100%;min-width:0;padding:6px 9px;border:1px solid var(--border);border-radius:8px;font:inherit;font-size:13.5px;color:var(--fg);background:var(--surface-soft)}
.range-years input:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:transparent;background:#fff}
.solver{background:#eef7f2;border:1px solid #c6e2d4;border-radius:12px;padding:12px 14px;margin:4px 0 8px}
.solver[hidden]{display:none}

.backfill{display:grid;gap:6px}.backfill .field{margin:0}.backfill-toggle{display:flex}.backfill-toggle button{flex:1;background:#fff}.backfill-btn{justify-self:start;background:var(--accent);color:#fff;border-color:var(--accent);font-weight:600;padding:8px 15px}.backfill-btn:hover{background:#0a6650}
.presets{display:grid;grid-template-columns:repeat(2,1fr);gap:6px;margin-bottom:12px}.presets button{border:1px solid var(--border);background:var(--surface-soft);border-radius:8px;padding:6px 10px;font-size:12.5px;font-weight:600;cursor:pointer;font:inherit;text-align:center}.presets button:hover{border-color:#b8c7bc}.presets button.active{background:var(--accent);color:#fff;border-color:var(--accent)}
.warn{background:#fdf0ec;color:#8c2f1a;border:1px solid #f3c6b8;border-radius:10px;padding:10px 12px;font-size:13px;margin:12px 0 0}
.fineprint{color:var(--muted);font-size:12px;line-height:1.45;margin:12px 0 0}
.results{display:grid;gap:22px;align-content:start;min-width:0}
/* Act I: Verdict */
.verdict{background:linear-gradient(135deg,#12241c 0%,#183327 100%);border-color:#12241c;color:#eef5f0;padding:26px 28px}
.verdict-main{display:grid;grid-template-columns:minmax(260px,1.15fr) minmax(300px,1fr);gap:24px;align-items:center}
.verdict .eyebrow{margin:0 0 6px;font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:#98cdb8}
.verdict .big{font-size:clamp(44px,5vw,62px);font-weight:800;letter-spacing:-.03em;margin:2px 0 8px;line-height:1}.verdict .big small{font-size:20px;font-weight:600;color:#98cdb8}
.verdict .sub{margin:0;color:#cfe4d9;font-size:14.5px}.verdict .sub span{font-weight:700;color:#fff}
.verdict-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}.verdict-grid>div{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);border-radius:12px;padding:12px 14px}.verdict-grid span{display:block;font-size:11.5px;color:#98cdb8;margin-bottom:2px}.verdict-grid strong{font-size:19px;display:block;letter-spacing:-.01em}.verdict-grid small{display:block;color:#98cdb8;font-size:11px;margin-top:2px}
.desired{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.14);border-radius:10px;padding:10px 14px;font-size:13.5px;margin:16px 0 0;line-height:1.45}
/* Section headers */

.journey-card{padding:20px 22px}
.journey-card .chart-toggles{margin:14px 0}
.risk-card .inputs-head{margin-bottom:16px}
.journey-card .tl,.journey-card .stat-grid{background:#eef7f2;border-color:#c6e2d4}
/* Act II: Journey (Timeline + Stats + Chart) */
.timeline{display:flex;gap:10px;margin:0 0 14px;flex-wrap:wrap}
.tl{flex:1;min-width:170px;border-radius:12px;padding:11px 14px;background:var(--surface-soft);border:1px solid var(--border);border-left-width:4px}
.tl b{display:block;font-size:13.5px;font-weight:700;letter-spacing:-.01em}
.tl span{display:block;color:var(--muted);font-size:12px;margin-top:2px}
.tl.save{border-left-color:var(--accent)}.tl.coast{border-left-color:var(--accent2)}.tl.spend{border-left-color:var(--draw)}
.stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:16px;padding:12px 14px;background:var(--surface-soft);border:1px solid var(--border);border-radius:12px}
.stat{padding:2px 6px;border-right:1px solid var(--border)}.stat:last-child{border-right:0}
.stat span{display:block;color:var(--muted);font-size:11.5px;font-weight:600;text-transform:uppercase;letter-spacing:.04em}
.stat strong{display:block;font-size:20px;margin:2px 0;letter-spacing:-.015em}
.stat small{display:block;color:var(--muted);font-size:11.5px;line-height:1.3}
.chart-toggles{display:flex;gap:8px;flex-wrap:wrap}
.toggle button{border:1px solid var(--border);background:var(--surface-soft);padding:6px 12px;font:inherit;font-size:12.5px;font-weight:500;cursor:pointer}.toggle button:first-child{border-radius:99px 0 0 99px}.toggle button:last-child{border-radius:0 99px 99px 0}.toggle button.active{background:var(--fg);color:#fff;border-color:var(--fg)}
.chart-wrap{position:relative}
.tooltip{position:absolute;pointer-events:none;background:var(--fg);color:#fff;border-radius:8px;padding:7px 10px;font-size:12px;white-space:pre-line;z-index:3;box-shadow:0 4px 12px rgba(0,0,0,.18)}
#chart svg{display:block;width:100%}
#chart .axis-x text,#chart .axis-y text,#mcChart .axis-x text,#mcChart .axis-y text{fill:var(--muted);font-size:11px}
#chart .axis-x path,#chart .axis-y path,#mcChart .axis-x path,#mcChart .axis-y path{stroke:var(--border)}
#chart .grid line,#mcChart .grid line{stroke:#e8ede8}#chart .grid path,#mcChart .grid path{stroke:none}
#chart .phase-label{font-size:11px;font-weight:700;fill:var(--muted)}#chart .retire-label{font-size:11px;font-weight:700;fill:var(--draw)}
.legend{display:flex;gap:16px;font-size:12px;color:var(--muted);flex-wrap:wrap;margin-top:10px;padding-top:10px;border-top:1px solid #edf1ed}.legend .lg[data-series=mc]{cursor:pointer}.legend .lg.off{opacity:.35}.sw{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:5px}.sw.accum{background:var(--accent)}.sw.draw{background:var(--draw)}.sw.contrib{background:var(--accent2)}.sw.growth{background:var(--accent)}.sw.mcband{background:rgba(23,33,27,.22)}.sw.mcmed{background:var(--fg)}
/* Act III: Stress Test */
.risk-split{display:grid;gap:22px}
.risk-block{background:var(--surface-soft);border:1px solid var(--border);border-radius:14px;padding:18px}
.risk-block-head{margin-bottom:14px}
.risk-block-head h3{margin:0 0 4px;font-size:15.5px;letter-spacing:-.01em}
.risk-block-head p{margin:0;color:var(--muted);font-size:13px}
.scen-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.scen-grid>div{background:var(--surface);border:1px solid var(--border);border-radius:11px;padding:12px}
.scen-grid>div.base,.scen-grid>div.cautious{border-color:var(--accent);background:#eef7f2}
.scen-grid span{display:block;font-size:12px;color:var(--muted);font-weight:600}
.scen-grid strong{font-size:21px;display:block;margin:2px 0;letter-spacing:-.01em}
.scen-grid small{display:block;color:var(--muted);font-size:11px;line-height:1.3}
.bar{height:6px;background:#e6ece6;border-radius:99px;margin-top:8px;overflow:hidden}.bar i{display:block;height:100%;width:0;background:var(--accent);border-radius:99px}
.scen-grid>div:not(.base) .bar i{background:var(--accent2)}
.mc-note{background:#eef7f2;border:1px solid #cfe6da;border-radius:10px;padding:9px 12px;font-size:13px;margin:12px 0 0}
.mc-chart-wrap{position:relative;margin-top:14px;background:var(--surface);border:1px solid var(--border);border-radius:11px;padding:10px 12px 8px}
#mcChart{display:block;width:100%}#mcChart .mc-wait{fill:var(--muted);font-size:13px}#mcChart .mc-mark-label{font-size:11px;font-weight:700;fill:var(--fg)}
.mc-chart-cap{color:var(--muted);font-size:11.5px;margin:4px 0 0}
.visually-hidden{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}.legend button.lg{background:none;border:0;padding:0;font:inherit;color:inherit;cursor:pointer;text-align:left}.legend button.lg:focus-visible{outline:2px solid var(--accent);outline-offset:2px;border-radius:4px}@media (prefers-reduced-motion: reduce){*,*::before,*::after{transition:none!important;animation:none!important}}
.risk-foot{margin-top:14px}
footer{max-width:1560px;margin:0 auto;padding:0 clamp(18px,3.5vw,48px) 30px;color:var(--muted);font-size:12.5px}
@media(min-width:1080px){
  .layout{grid-template-columns:430px minmax(0,1fr);align-items:start}
}
@media(min-width:1680px){
  .hero,.layout,footer{max-width:1840px}
}
@media(max-width:1079px){
  .plan-fields{grid-template-columns:repeat(2,1fr);gap:16px}
  .plan-fields fieldset{border-bottom:0;border:1px solid var(--border);border-radius:12px;padding:16px;background:var(--surface-soft)}
  .plan-fields fieldset:last-child{grid-column:1/-1;padding-bottom:16px}
  .field input[type=number],.field input[type=text],.money,.pct,.range-years input{background:#fff}
}
@media(max-width:860px){
  .plan-fields{grid-template-columns:1fr}
  .verdict-main{grid-template-columns:1fr;gap:16px}
  .stat-grid{grid-template-columns:repeat(2,1fr);gap:12px}
  .stat:nth-child(2){border-right:0}
}
@media(max-width:640px){
  .topbar{flex-direction:column;align-items:flex-start;gap:10px;padding:12px 18px}
  .hero,.layout,footer{padding-left:16px;padding-right:16px}
  .field-row,.verdict-grid,.scen-grid,.stat-grid{grid-template-columns:1fr}
  .stat{border-right:0;border-bottom:1px solid var(--border);padding:6px 0}.stat:last-child{border-bottom:0}
  .presets{grid-template-columns:repeat(2,1fr)}
}
@media print{
  .topbar,.inputs,.top-actions,.toggle{display:none!important}
  .layout{padding:0;grid-template-columns:1fr}
  .results{grid-template-columns:1fr}
  .hero{padding:0 0 8px}
  body{background:#fff}
  .verdict{background:#fff!important;color:var(--fg)!important;border:1px solid var(--border)!important}
  .verdict .eyebrow,.verdict .big small,.verdict-grid span,.verdict-grid small{color:var(--muted)!important}
  .verdict .sub,.verdict .sub span,.verdict-grid strong{color:var(--fg)!important}
  .verdict-grid>div,.desired{background:#f4f6f3!important;border-color:var(--border)!important}
  .desired{color:var(--fg)!important}
}