/* ============================================
   Gold IRA Education — Static HTML Version
   styles.css
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&display=swap');

/* ── Design Tokens ── */
:root {
  --navy-50:  #eef4fb;
  --navy-100: #d5e4f4;
  --navy-200: #a8c6e7;
  --navy-300: #72a0d4;
  --navy-400: #4578bb;
  --navy-500: #2a5fa2;
  --navy-600: #1B4F72;
  --navy-700: #163f5b;
  --navy-800: #0f2e44;
  --navy-900: #081e2e;

  --gold-50:  #fdf9ed;
  --gold-100: #f8efcc;
  --gold-200: #f1da91;
  --gold-300: #e8c054;
  --gold-400: #C9A84C;
  --gold-500: #b08d34;
  --gold-600: #8e6f25;
  --gold-700: #6c5219;

  --slate-50:  #F8F9FA;
  --slate-100: #f1f3f5;
  --slate-200: #e2e6ea;
  --slate-300: #ced4da;
  --slate-400: #adb5bd;
  --slate-500: #6c757d;
  --slate-600: #495057;
  --slate-700: #343a40;
  --slate-800: #1A1A2E;

  --font-sans: 'Inter', ui-sans-serif, system-ui, sans-serif;
  --radius-sm: 0.375rem;
  --radius-md: 0.5rem;
  --radius-lg: 0.75rem;
  --radius-xl: 1rem;
}

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

html {
  font-family: var(--font-sans);
  color: var(--slate-800);
  background-color: var(--slate-50);
  scroll-behavior: smooth;
}

body {
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

h1, h2, h3, h4, h5, h6 {
  color: var(--navy-700);
  line-height: 1.2;
  font-weight: 700;
}

h1 { font-size: clamp(1.75rem, 4vw, 2.5rem); }
h2 { font-size: clamp(1.35rem, 3vw, 1.875rem); margin-top: 2.5rem; }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.375rem); margin-top: 1.75rem; }

p { line-height: 1.75; max-width: 72ch; }

a { color: var(--navy-600); text-decoration: underline; text-underline-offset: 2px; }
a:hover { color: var(--navy-800); }

ul, ol { padding-left: 1.25rem; line-height: 1.75; }
li { margin-bottom: 0.375rem; }

table { width: 100%; border-collapse: collapse; font-size: 0.9rem; }
th {
  background-color: var(--navy-600);
  color: white;
  text-align: left;
  padding: 0.625rem 0.875rem;
  font-weight: 600;
}
td {
  padding: 0.5rem 0.875rem;
  border-bottom: 1px solid var(--slate-200);
}
tr:nth-child(even) td { background-color: var(--slate-50); }

img { max-width: 100%; display: block; }

/* ── Layout ── */
.container-wide {
  max-width: 1200px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.25rem;
  padding-right: 1.25rem;
}

.container-article {
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.25rem;
  padding-right: 1.25rem;
}

main { flex: 1; }

/* ── Buttons ── */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background-color: var(--gold-400);
  color: var(--navy-900);
  font-weight: 700;
  font-size: 0.9375rem;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius-md);
  border: none;
  cursor: pointer;
  transition: background-color 0.15s ease, transform 0.1s ease;
  text-decoration: none;
}
.btn-primary:hover {
  background-color: var(--gold-300);
  color: var(--navy-900);
  transform: translateY(-1px);
  text-decoration: none;
}
.btn-primary:active { transform: translateY(0); }

.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background-color: transparent;
  color: white;
  font-weight: 600;
  font-size: 0.9375rem;
  padding: 0.75rem 1.5rem;
  border-radius: var(--radius-md);
  border: 2px solid rgba(255,255,255,0.5);
  cursor: pointer;
  transition: border-color 0.15s ease, background-color 0.15s ease;
  text-decoration: none;
}
.btn-secondary:hover {
  border-color: white;
  background-color: rgba(255,255,255,0.1);
  color: white;
  text-decoration: none;
}

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background-color: transparent;
  color: var(--navy-600);
  font-weight: 600;
  font-size: 0.9375rem;
  padding: 0.625rem 1.25rem;
  border-radius: var(--radius-md);
  border: 2px solid var(--navy-600);
  cursor: pointer;
  transition: background-color 0.15s ease, color 0.15s ease;
  text-decoration: none;
}
.btn-outline:hover {
  background-color: var(--navy-600);
  color: white;
  text-decoration: none;
}

/* ── Badges ── */
.badge {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.2rem 0.6rem;
  border-radius: 999px;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}
.badge-gold { background-color: var(--gold-100); color: var(--gold-700); }
.badge-navy { background-color: var(--navy-100); color: var(--navy-700); }

/* ── Card ── */
.card {
  background: white;
  border-radius: var(--radius-lg);
  border: 1px solid var(--slate-200);
  padding: 1.5rem;
  box-shadow: 0 1px 3px rgba(0,0,0,0.06);
}

/* ── InfoBox ── */
.infobox {
  border-left: 4px solid var(--navy-400);
  background-color: var(--navy-50);
  padding: 1rem 1.25rem;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin: 1.5rem 0;
}
.infobox-warning { border-left-color: var(--gold-400); background-color: var(--gold-50); }
.infobox-caution { border-left-color: #dc2626; background-color: #fef2f2; }

.infobox-title {
  font-weight: 700;
  font-size: 0.875rem;
  color: var(--navy-800);
  margin-bottom: 0.375rem;
}
.infobox p { font-size: 0.9rem; color: var(--slate-600); margin: 0; max-width: none; }

/* ── Disclaimer Box ── */
.disclaimer-box {
  background-color: var(--slate-100);
  border: 1px solid var(--slate-300);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  font-size: 0.875rem;
  color: var(--slate-600);
  line-height: 1.65;
  margin: 2rem 0;
}

/* ── CTA Box ── */
.cta-box {
  background: linear-gradient(135deg, var(--navy-700) 0%, var(--navy-800) 100%);
  border-radius: var(--radius-xl);
  padding: 2rem;
  color: white;
  position: relative;
  overflow: hidden;
  margin: 2rem 0;
}
.cta-box::before {
  content: "";
  position: absolute;
  top: -40%;
  right: -10%;
  width: 200px;
  height: 200px;
  background: rgba(201,168,76,0.12);
  border-radius: 50%;
  pointer-events: none;
}
.cta-box-inner { position: relative; z-index: 1; }
.cta-label {
  color: var(--gold-400);
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.25rem;
}
.cta-box h3 { color: white; font-size: 1.125rem; margin-bottom: 0.5rem; margin-top: 0; }
.cta-box p  { color: rgba(255,255,255,0.75); font-size: 0.875rem; margin-bottom: 1rem; max-width: none; }

/* Inline hero CTA variant */
.cta-hero {
  background-color: var(--navy-50);
  border: 1px solid var(--navy-200);
  border-radius: var(--radius-xl);
  padding: 1.5rem 2rem;
  margin: 2rem 0;
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
}
.cta-hero-icon {
  width: 3rem;
  height: 3rem;
  border-radius: var(--radius-lg);
  background-color: var(--navy-700);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.cta-hero-icon svg { width: 1.5rem; height: 1.5rem; color: var(--gold-400); }
.cta-hero-body { flex: 1; min-width: 200px; }
.cta-hero-body strong { display: block; color: var(--navy-800); font-size: 1.1rem; margin-bottom: 0.25rem; }
.cta-hero-body span { color: var(--slate-600); font-size: 0.875rem; }
.cta-hero-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-top: 1rem; width: 100%; }

/* ── Prose ── */
.prose h2 {
  margin-top: 2.5rem;
  margin-bottom: 0.75rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--slate-200);
}
.prose h3 { margin-top: 1.75rem; margin-bottom: 0.5rem; }
.prose p  { margin-bottom: 1rem; }
.prose ul, .prose ol { margin-bottom: 1rem; }
.prose table { margin-bottom: 1.5rem; }

/* ── Article Header ── */
.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  align-items: center;
  font-size: 0.8rem;
  color: var(--slate-500);
  margin-bottom: 1rem;
}
.breadcrumb a { color: var(--navy-500); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb-sep { color: var(--slate-400); }

.article-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.5rem;
  font-size: 0.8rem;
  color: var(--slate-500);
  margin-top: 0.75rem;
  margin-bottom: 2rem;
}
.article-meta span { display: flex; align-items: center; gap: 0.35rem; }

/* ── TL;DR card ── */
.tldr-card {
  background: white;
  border-radius: var(--radius-lg);
  border: 1px solid var(--slate-200);
  border-left: 4px solid var(--gold-400);
  padding: 1.5rem;
  margin-bottom: 2rem;
  box-shadow: 0 1px 3px rgba(0,0,0,0.06);
}
.tldr-card h2 {
  font-size: 0.9375rem;
  color: var(--navy-700);
  margin-top: 0;
  margin-bottom: 0.75rem;
  border: none;
  padding: 0;
}
.tldr-card ul { font-size: 0.875rem; color: var(--slate-600); margin: 0; }
.tldr-card ul li { margin-bottom: 0.375rem; }

/* ── FAQ ── */
.faq-section { margin: 2.5rem 0; }
.faq-section h2 { margin-bottom: 1rem; }
.faq-item { border-bottom: 1px solid var(--slate-200); }
.faq-item:last-child { border-bottom: none; }

.faq-question {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 1rem 0;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--navy-700);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  font-family: var(--font-sans);
}
.faq-question:hover { color: var(--navy-900); }
.faq-question svg { flex-shrink: 0; transition: transform 0.2s ease; }
.faq-question.open svg { transform: rotate(180deg); }

.faq-answer {
  display: none;
  padding: 0 0 1rem;
  font-size: 0.9rem;
  color: var(--slate-600);
  line-height: 1.7;
}
.faq-answer.open { display: block; }

/* ── Related Resources ── */
.related-resources {
  margin: 2.5rem 0;
  padding: 1.5rem;
  background-color: var(--slate-100);
  border-radius: var(--radius-lg);
  border: 1px solid var(--slate-200);
}
.related-resources h3 {
  font-size: 1rem;
  color: var(--navy-700);
  margin-top: 0;
  margin-bottom: 0.75rem;
}
.related-list {
  list-style: none;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}
.related-list li a {
  display: inline-block;
  background: white;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  padding: 0.375rem 0.75rem;
  font-size: 0.8rem;
  color: var(--navy-600);
  text-decoration: none;
  transition: border-color 0.15s, background-color 0.15s;
}
.related-list li a:hover {
  border-color: var(--navy-300);
  background-color: var(--navy-50);
  color: var(--navy-800);
}

/* ── Header / Nav ── */
header {
  background-color: var(--navy-700);
  color: white;
  box-shadow: 0 2px 8px rgba(0,0,0,0.25);
  position: sticky;
  top: 0;
  z-index: 50;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 4rem;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  text-decoration: none;
  color: white;
}
.logo-icon {
  width: 2rem;
  height: 2rem;
  border-radius: 50%;
  background-color: var(--gold-400);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy-900);
  font-weight: 900;
  font-size: 0.875rem;
  flex-shrink: 0;
  transition: background-color 0.15s;
}
.logo:hover .logo-icon { background-color: var(--gold-300); }
.logo-text { font-weight: 700; font-size: 1rem; }

/* Desktop nav */
.desktop-nav {
  display: none;
  align-items: center;
  gap: 0.25rem;
}

@media (min-width: 1024px) {
  .desktop-nav { display: flex; }
}

.nav-item-link {
  padding: 0.5rem 0.75rem;
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.9);
  text-decoration: none;
  transition: color 0.15s, background-color 0.15s;
}
.nav-item-link:hover { color: white; background-color: rgba(255,255,255,0.1); text-decoration: none; }

/* Dropdown */
.nav-dropdown-wrapper {
  position: relative;
}

.nav-dropdown-btn {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  padding: 0.5rem 0.75rem;
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.9);
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-sans);
  transition: color 0.15s, background-color 0.15s;
}
.nav-dropdown-btn:hover { color: white; background-color: rgba(255,255,255,0.1); }
.nav-dropdown-btn svg { transition: transform 0.2s; }
.nav-dropdown-btn.open svg { transform: rotate(180deg); }

.nav-dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 0.25rem);
  left: 0;
  width: 14rem;
  background: white;
  border-radius: var(--radius-lg);
  box-shadow: 0 10px 30px rgba(0,0,0,0.15);
  border: 1px solid var(--slate-200);
  padding: 0.25rem 0;
  z-index: 100;
  animation: dropIn 0.15s ease;
}
.nav-dropdown-menu.open { display: block; }

@keyframes dropIn {
  from { opacity: 0; transform: translateY(-6px); }
  to   { opacity: 1; transform: translateY(0); }
}

.nav-dropdown-menu a {
  display: block;
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
  color: var(--slate-700);
  text-decoration: none;
  transition: background-color 0.1s, color 0.1s;
}
.nav-dropdown-menu a:hover {
  background-color: var(--navy-50);
  color: var(--navy-700);
}

/* Header CTA + hamburger */
.header-actions { display: flex; align-items: center; gap: 0.75rem; }

.header-cta {
  display: none;
  font-size: 0.8125rem;
  padding: 0.5rem 0.875rem;
}
@media (min-width: 768px) { .header-cta { display: inline-flex; } }

.hamburger {
  display: flex;
  background: none;
  border: none;
  padding: 0.5rem;
  border-radius: var(--radius-sm);
  cursor: pointer;
  color: white;
  transition: background-color 0.15s;
}
.hamburger:hover { background-color: rgba(255,255,255,0.1); }
@media (min-width: 1024px) { .hamburger { display: none; } }

/* Mobile menu */
.mobile-nav {
  display: none;
  background-color: var(--navy-800);
  border-top: 1px solid rgba(255,255,255,0.1);
}
.mobile-nav.open { display: block; }
.mobile-nav-inner { padding: 0.5rem 0 0.75rem; }

.mobile-nav-link {
  display: block;
  padding: 0.625rem 0.5rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.9);
  text-decoration: none;
  border-radius: var(--radius-sm);
  transition: color 0.15s, background-color 0.15s;
}
.mobile-nav-link:hover { color: white; background-color: rgba(255,255,255,0.1); }

.mobile-dropdown-btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.625rem 0.5rem;
  background: none;
  border: none;
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.9);
  cursor: pointer;
  border-radius: var(--radius-sm);
  font-family: var(--font-sans);
  transition: background-color 0.15s;
}
.mobile-dropdown-btn:hover { background-color: rgba(255,255,255,0.08); }
.mobile-dropdown-btn svg { transition: transform 0.2s; flex-shrink: 0; }
.mobile-dropdown-btn.open svg { transform: rotate(180deg); }

.mobile-submenu { display: none; padding-left: 1rem; }
.mobile-submenu.open { display: block; }

.mobile-cta-wrap {
  padding-top: 0.75rem;
  border-top: 1px solid rgba(255,255,255,0.1);
  margin-top: 0.5rem;
}
.mobile-cta-wrap a { width: 100%; justify-content: center; }

/* Skip link */
.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 200;
  background: var(--gold-400);
  color: var(--navy-900);
  font-weight: 700;
  padding: 0.5rem 1rem;
  text-decoration: none;
}
.skip-link:focus { left: 0; }

/* ── Hero section ── */
.hero {
  background: linear-gradient(135deg, var(--navy-800) 0%, var(--navy-700) 50%, var(--navy-900) 100%);
  color: white;
  padding: 4rem 0 5rem;
}
.hero-inner { max-width: 40rem; }
.hero h1 { color: white; font-size: clamp(2rem, 5vw, 3rem); font-weight: 900; margin-bottom: 1rem; line-height: 1.1; }
.hero-sub { color: rgba(255,255,255,0.8); font-size: 1.0625rem; line-height: 1.7; margin-bottom: 2rem; max-width: 38rem; }
.hero-disclaimer { color: rgba(255,255,255,0.55); font-size: 0.8rem; font-style: italic; margin-bottom: 1.5rem; max-width: none; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 0.75rem; }

/* ── Trust bar ── */
.trust-bar {
  background: white;
  border-bottom: 1px solid var(--slate-200);
}
.trust-bar-inner {
  padding: 1rem 0;
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 1.5rem;
  align-items: center;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.375rem;
  font-size: 0.875rem;
  color: var(--slate-500);
}
.trust-item svg { color: var(--navy-500); flex-shrink: 0; }

/* ── Topic grid ── */
.topics-section { padding: 4rem 0; }
.topics-header { margin-bottom: 2.5rem; }
.topics-header h2 { font-size: 1.875rem; color: var(--navy-800); margin-top: 0; margin-bottom: 0.5rem; }
.topics-header p { color: var(--slate-600); max-width: 40rem; }

.topic-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
}
@media (min-width: 640px)  { .topic-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .topic-grid { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1280px) { .topic-grid { grid-template-columns: repeat(4, 1fr); } }

.topic-card {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  background: white;
  border-radius: var(--radius-lg);
  border: 1px solid var(--slate-200);
  padding: 1.5rem;
  box-shadow: 0 1px 3px rgba(0,0,0,0.06);
  text-decoration: none;
  transition: border-color 0.2s, box-shadow 0.2s, transform 0.2s;
  color: inherit;
}
.topic-card:hover {
  border-color: var(--navy-300);
  box-shadow: 0 4px 16px rgba(0,0,0,0.1);
  transform: translateY(-2px);
  text-decoration: none;
}
.topic-icon { font-size: 1.75rem; line-height: 1; }
.topic-title { font-weight: 600; color: var(--navy-700); font-size: 0.9375rem; line-height: 1.35; }
.topic-card:hover .topic-title { color: var(--navy-900); }
.topic-desc { color: var(--slate-500); font-size: 0.875rem; line-height: 1.55; flex: 1; }
.topic-read-more {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  color: var(--gold-500);
  font-size: 0.75rem;
  font-weight: 600;
}
.topic-read-more svg { width: 0.75rem; height: 0.75rem; }

/* ── Gold IRA summary section ── */
.summary-section {
  background: white;
  border-top: 1px solid var(--slate-200);
  border-bottom: 1px solid var(--slate-200);
  padding: 3.5rem 0;
}
.summary-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  align-items: center;
}
@media (min-width: 768px) { .summary-grid { grid-template-columns: 1fr 1fr; } }
.summary-badge { margin-bottom: 0.75rem; }
.summary-left h2 { font-size: 1.5rem; margin-top: 0; margin-bottom: 0.75rem; }
.summary-left p { color: var(--slate-600); margin-bottom: 1rem; }
.comparison-table-wrap {
  background: var(--navy-50);
  border-radius: var(--radius-xl);
  padding: 1.5rem;
  border: 1px solid var(--navy-100);
}
.comparison-table-wrap h3 { font-size: 0.9375rem; color: var(--navy-800); margin-top: 0; margin-bottom: 1rem; }

/* ── Footer ── */
footer {
  background-color: var(--navy-900);
  color: white;
  margin-top: 4rem;
}
.footer-main { padding: 3rem 0; }
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2rem;
}
@media (min-width: 768px)  { .footer-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; } }

.footer-brand-logo {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  text-decoration: none;
  margin-bottom: 1rem;
}
.footer-brand-logo span:first-child {
  width: 2rem; height: 2rem; border-radius: 50%;
  background-color: var(--gold-400);
  display: flex; align-items: center; justify-content: center;
  color: var(--navy-900); font-weight: 900; font-size: 0.875rem; flex-shrink: 0;
}
.footer-brand-name { font-weight: 700; color: white; }
.footer-brand-desc { color: rgba(255,255,255,0.6); font-size: 0.875rem; line-height: 1.6; max-width: 18rem; margin-bottom: 1rem; }
.footer-pdf-link {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--gold-400);
  font-size: 0.875rem;
  font-weight: 600;
  text-decoration: none;
  transition: color 0.15s;
}
.footer-pdf-link:hover { color: var(--gold-300); }

.footer-col h3 {
  color: white;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-top: 0;
  margin-bottom: 0.75rem;
}
.footer-col ul { list-style: none; padding: 0; }
.footer-col ul li { margin-bottom: 0.5rem; }
.footer-col ul li a {
  color: rgba(255,255,255,0.6);
  font-size: 0.875rem;
  text-decoration: none;
  transition: color 0.15s;
}
.footer-col ul li a:hover { color: white; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 1.5rem 0;
}
.footer-disclaimer { color: rgba(255,255,255,0.5); font-size: 0.75rem; line-height: 1.65; max-width: 64rem; margin-bottom: 0.75rem; }
.footer-disclaimer strong { color: rgba(255,255,255,0.7); }
.footer-disclaimer a { color: rgba(255,255,255,0.7); }
.footer-copyright { color: rgba(255,255,255,0.4); font-size: 0.75rem; }
.footer-copyright a { color: rgba(255,255,255,0.5); }
.footer-copyright a:hover { color: rgba(255,255,255,0.8); }

/* ── Animations ── */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(12px); }
  to   { opacity: 1; transform: translateY(0); }
}
.animate-fade-in-up { animation: fadeInUp 0.4s ease forwards; }

/* ── Utilities ── */
.py-8  { padding-top: 2rem; padding-bottom: 2rem; }
.py-10 { padding-top: 2.5rem; padding-bottom: 2.5rem; }
.py-16 { padding-top: 4rem; padding-bottom: 4rem; }
.mb-4  { margin-bottom: 1rem; }
.mb-8  { margin-bottom: 2rem; }
.mt-0  { margin-top: 0; }
.text-center { text-align: center; }
.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border-width: 0;
}

/* ── Page header for inner pages ── */
.page-hero {
  background: linear-gradient(135deg, var(--navy-800) 0%, var(--navy-700) 100%);
  color: white;
  padding: 3rem 0 2.5rem;
}
.page-hero h1 { color: white; margin-bottom: 0.75rem; }
.page-hero p  { color: rgba(255,255,255,0.75); font-size: 1rem; max-width: 48rem; }

/* ============================================
   Roth IRA Calculator Styles
   ============================================ */
.calc-container {
  max-width: 1140px;
  margin: 0 auto;
}

.calc-card {
  background: #ffffff;
  border-radius: var(--radius-xl);
  border: 1px solid var(--slate-200);
  box-shadow: 0 4px 20px -2px rgba(15, 46, 68, 0.07), 0 2px 6px -1px rgba(0, 0, 0, 0.04);
  padding: 1.75rem;
  margin-bottom: 2rem;
}
@media (min-width: 768px) {
  .calc-card { padding: 2.25rem; }
}

.calc-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}
@media (min-width: 860px) {
  .calc-grid {
    grid-template-columns: 1fr 1fr;
    gap: 1.75rem;
  }
}

/* Hero Split Calculator Grid: Inputs on Left, Gold IRA Wealth Protection on Right */
.calc-hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.75rem;
}
@media (min-width: 992px) {
  .calc-hero-grid {
    grid-template-columns: 1.05fr 0.95fr;
    gap: 2.25rem;
    align-items: start;
  }
  .calc-gold-col {
    position: sticky;
    top: 85px;
  }
}

.calc-inputs-col {
  display: flex;
  flex-direction: column;
}

.calc-inputs-stack {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.calc-gold-col {
  display: flex;
  flex-direction: column;
}

.calc-gold-col .calc-gold-bridge {
  margin-top: 0;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.calc-gold-col .calc-gold-bridge-desc {
  font-size: 0.925rem;
  line-height: 1.58;
  margin-bottom: 1.125rem;
}

.calc-gold-col .calc-gold-bridge-title {
  font-size: 1.35rem;
  font-weight: 800;
  line-height: 1.35;
  margin-bottom: 0.75rem;
}

.calc-gold-col .calc-gold-bridge-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0.875rem;
  margin-bottom: 1.25rem;
}

@media (min-width: 580px) {
  .calc-gold-col .calc-gold-bridge-grid {
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
  }
}

/* Results Analysis 2-Column Grid (What Your Result Means & Time Horizon) */
.results-analysis-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
  margin-top: 1.5rem;
}
@media (min-width: 860px) {
  .results-analysis-grid {
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
  }
}
.results-analysis-grid > * {
  margin-top: 0 !important;
  margin-bottom: 0 !important;
}

/* 4-Group Box Styling */
.calc-group-card {
  background: #f8fafc;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 1.25rem 1.25rem 1rem;
  display: flex;
  flex-direction: column;
}
.calc-group-header {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--navy-700);
  margin-bottom: 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 1.5px solid var(--slate-200);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.calc-group-header svg {
  color: var(--gold-500);
  flex-shrink: 0;
}

.calc-section-title {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--navy-700);
  margin-bottom: 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--navy-100);
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.calc-section-title svg {
  color: var(--gold-500);
  flex-shrink: 0;
}

.calc-form-group {
  margin-bottom: 1.25rem;
}
.calc-form-group:last-child {
  margin-bottom: 0;
}

.calc-label-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: 0.375rem;
}
.calc-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--slate-700);
}
.calc-label-hint {
  font-size: 0.75rem;
  color: var(--slate-500);
}

.calc-input-wrapper {
  position: relative;
  display: flex;
  align-items: center;
}
.calc-input-prefix,
.calc-input-suffix {
  position: absolute;
  color: var(--slate-500);
  font-weight: 600;
  font-size: 0.9375rem;
  pointer-events: none;
}
.calc-input-prefix { left: 0.875rem; }
.calc-input-suffix { right: 0.875rem; }

.calc-input {
  width: 100%;
  padding: 0.6875rem 0.875rem;
  font-size: 0.9375rem;
  font-family: inherit;
  font-weight: 600;
  color: var(--navy-900);
  background-color: #ffffff;
  border: 1.5px solid var(--slate-300);
  border-radius: var(--radius-md);
  transition: all 0.2s ease;
  outline: none;
}
.calc-input:focus {
  border-color: var(--navy-500);
  box-shadow: 0 0 0 3px rgba(42, 95, 162, 0.15);
}
.calc-input.has-prefix { padding-left: 1.875rem; }
.calc-input.has-suffix { padding-right: 2rem; }

/* Range Sliders */
.calc-slider-wrap {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-top: 0.5rem;
}
.calc-slider {
  flex: 1;
  -webkit-appearance: none;
  appearance: none;
  height: 6px;
  border-radius: 3px;
  background: var(--slate-200);
  outline: none;
  transition: background 0.15s;
  cursor: pointer;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--navy-600);
  border: 2px solid #ffffff;
  box-shadow: 0 2px 5px rgba(0, 0, 0, 0.2);
  cursor: pointer;
  transition: transform 0.1s, background 0.15s;
}
.calc-slider::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  background: var(--navy-700);
}
.calc-slider::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--navy-600);
  border: 2px solid #ffffff;
  box-shadow: 0 2px 5px rgba(0, 0, 0, 0.2);
  cursor: pointer;
}

/* Frequency Segmented Control */
.calc-segment-group {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.375rem;
  background: var(--slate-100);
  padding: 0.25rem;
  border-radius: var(--radius-md);
  border: 1px solid var(--slate-200);
}
.calc-segment-btn {
  background: transparent;
  border: none;
  padding: 0.5rem 0.25rem;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--slate-600);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all 0.15s ease;
  text-align: center;
}
.calc-segment-btn:hover {
  color: var(--navy-700);
}
.calc-segment-btn.active {
  background: #ffffff;
  color: var(--navy-700);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
}

/* Advanced Settings Accordion */
.calc-advanced-details {
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  background: var(--slate-50);
  margin-top: 1.5rem;
  overflow: hidden;
  transition: border-color 0.2s;
}
.calc-advanced-summary {
  padding: 0.875rem 1.25rem;
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--navy-600);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  user-select: none;
  list-style: none;
}
.calc-advanced-summary::-webkit-details-marker { display: none; }
.calc-advanced-summary:hover {
  background: var(--navy-50);
}
.calc-advanced-summary svg {
  transition: transform 0.2s ease;
}
.calc-advanced-details[open] .calc-advanced-summary svg {
  transform: rotate(180deg);
}
.calc-advanced-content {
  padding: 1.25rem;
  border-top: 1px solid var(--slate-200);
  background: #ffffff;
}

/* Toggle Switch */
.calc-toggle-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.75rem 0;
}
.calc-toggle-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--slate-700);
}
.calc-toggle-desc {
  font-size: 0.75rem;
  color: var(--slate-500);
  margin-top: 0.125rem;
}
.calc-switch {
  position: relative;
  display: inline-block;
  width: 46px;
  height: 24px;
  flex-shrink: 0;
}
.calc-switch input {
  opacity: 0;
  width: 0;
  height: 0;
}
.calc-switch-slider {
  position: absolute;
  cursor: pointer;
  top: 0; left: 0; right: 0; bottom: 0;
  background-color: var(--slate-300);
  transition: 0.3s;
  border-radius: 24px;
}
.calc-switch-slider::before {
  position: absolute;
  content: "";
  height: 18px;
  width: 18px;
  left: 3px;
  bottom: 3px;
  background-color: white;
  transition: 0.3s;
  border-radius: 50%;
  box-shadow: 0 1px 3px rgba(0,0,0,0.2);
}
.calc-switch input:checked + .calc-switch-slider {
  background-color: var(--navy-600);
}
.calc-switch input:checked + .calc-switch-slider::before {
  transform: translateX(22px);
}

.calc-label-hint {
  font-size: 0.75rem;
  color: var(--slate-500);
}
.calc-input-hint {
  font-size: 0.75rem;
  color: var(--slate-500);
  line-height: 1.4;
  margin-top: 0.35rem;
}

/* Error Banner */
.calc-error-banner {
  background: #fef2f2;
  border: 1px solid #fecaca;
  border-left: 4px solid #ef4444;
  border-radius: var(--radius-md);
  padding: 0.875rem 1rem;
  margin-top: 1rem;
  display: none;
  align-items: flex-start;
  gap: 0.75rem;
}
.calc-error-banner.visible {
  display: flex;
}
.calc-error-banner svg {
  color: #dc2626;
  flex-shrink: 0;
  margin-top: 0.125rem;
}
.calc-error-text {
  font-size: 0.8125rem;
  line-height: 1.5;
  color: #991b1b;
}
.calc-error-text strong {
  font-weight: 700;
  color: #7f1d1d;
}

/* Limit Warning Banner */
.calc-warning-banner {
  background: #fffbeb;
  border: 1px solid #fde68a;
  border-left: 4px solid #f59e0b;
  border-radius: var(--radius-md);
  padding: 0.875rem 1rem;
  margin-top: 1rem;
  display: none;
  align-items: flex-start;
  gap: 0.75rem;
}
.calc-warning-banner.visible {
  display: flex;
}
.calc-warning-banner svg {
  color: #d97706;
  flex-shrink: 0;
  margin-top: 0.125rem;
}
.calc-warning-text {
  font-size: 0.8125rem;
  line-height: 1.5;
  color: #92400e;
}
.calc-warning-text strong {
  font-weight: 700;
  color: #78350f;
}

/* Action Button Row */
.calc-action-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-top: 1.5rem;
  flex-wrap: wrap;
}
.btn-calc-primary {
  background: linear-gradient(135deg, var(--navy-600) 0%, var(--navy-700) 100%);
  color: #ffffff;
  border: none;
  border-radius: var(--radius-md);
  padding: 0.875rem 1.75rem;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 0.625rem;
  box-shadow: 0 4px 12px rgba(27, 79, 114, 0.25);
  transition: all 0.2s ease;
  text-decoration: none;
}
.btn-calc-primary:hover {
  background: linear-gradient(135deg, var(--navy-700) 0%, var(--navy-800) 100%);
  box-shadow: 0 6px 16px rgba(27, 79, 114, 0.35);
  transform: translateY(-1px);
  color: #ffffff;
}
.btn-calc-primary:active {
  transform: translateY(0);
}
.btn-calc-reset {
  background: transparent;
  border: none;
  color: var(--slate-500);
  font-size: 0.875rem;
  font-weight: 500;
  cursor: pointer;
  text-decoration: underline;
  padding: 0.5rem;
}
.btn-calc-reset:hover {
  color: var(--navy-700);
}

/* Results Dashboard */
.results-dashboard {
  background: linear-gradient(145deg, #ffffff 0%, var(--navy-50) 100%);
  border: 1px solid var(--navy-100);
  border-radius: var(--radius-xl);
  padding: 1.75rem;
  margin-bottom: 2rem;
  box-shadow: 0 8px 30px rgba(15, 46, 68, 0.08);
}
@media (min-width: 768px) {
  .results-dashboard { padding: 2.25rem; }
}

/* Results Side-by-Side Split Layout */
.results-split-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.75rem;
}
@media (min-width: 992px) {
  .results-split-layout {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    align-items: start;
  }
}
@media (min-width: 1140px) {
  .results-split-layout {
    grid-template-columns: 1.04fr 0.96fr;
    gap: 2.25rem;
  }
}
.results-main-col {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}
.results-main-col > * {
  margin-top: 0 !important;
  margin-bottom: 0 !important;
}
.results-side-col {
  display: flex;
  flex-direction: column;
}
@media (min-width: 992px) {
  .results-side-col {
    position: sticky;
    top: 90px;
  }
}
.results-side-col .calc-gold-bridge {
  margin-top: 0;
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}
.results-side-col .calc-gold-bridge-desc {
  font-size: 0.9rem;
  margin-bottom: 1rem;
}
.results-side-col .calc-gold-bridge-title {
  font-size: 1.25rem;
  line-height: 1.35;
}
.results-side-col .calc-gold-bridge-grid {
  grid-template-columns: 1fr;
  gap: 0.875rem;
  margin-bottom: 1.25rem;
}
@media (min-width: 1160px) {
  .results-side-col .calc-gold-bridge-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.results-hero-card {
  text-align: center;
  padding: 1.5rem 1rem 1.75rem;
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--navy-200);
  box-shadow: 0 4px 12px rgba(27, 79, 114, 0.06);
  margin-bottom: 1.5rem;
  position: relative;
  overflow: hidden;
}
.results-hero-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--navy-600) 0%, var(--gold-400) 50%, var(--navy-600) 100%);
}
.results-hero-eyebrow {
  font-size: 0.8125rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 700;
  color: var(--navy-600);
  margin-bottom: 0.5rem;
}
.results-hero-number {
  font-size: clamp(2.25rem, 5vw, 3.25rem);
  font-weight: 900;
  color: var(--navy-800);
  line-height: 1.1;
  margin-bottom: 0.25rem;
  letter-spacing: -0.02em;
}
.results-hero-age {
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--navy-600);
  margin-bottom: 0.625rem;
}
.results-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  background: #dcfce7;
  color: #166534;
  border: 1px solid #bbf7d0;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 0.25rem 0.625rem;
  border-radius: 9999px;
}

.results-metric-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
}
@media (min-width: 768px) {
  .results-metric-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.results-metric-card {
  background: #ffffff;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  padding: 1rem 0.875rem;
  display: flex;
  flex-direction: column;
}
.results-metric-label {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--slate-500);
  text-transform: uppercase;
  letter-spacing: 0.03em;
  margin-bottom: 0.375rem;
}
.results-metric-value {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--navy-800);
  line-height: 1.2;
}
.results-metric-card.highlight-contributions {
  border-left: 3px solid var(--navy-600);
}
.results-metric-card.highlight-growth {
  border-left: 3px solid var(--gold-500);
}
.results-metric-card.highlight-years {
  border-left: 3px solid var(--navy-400);
}
.results-metric-card.highlight-inflation {
  border-left: 3px solid #10b981;
}

/* Dynamic What Your Result Means Box */
.calc-narrative-box {
  background: #ffffff;
  border: 1px solid var(--navy-100);
  border-left: 4px solid var(--navy-600);
  border-radius: var(--radius-lg);
  padding: 1.375rem 1.5rem;
  margin-top: 1.5rem;
  box-shadow: 0 2px 10px rgba(15, 46, 68, 0.04);
}
.calc-narrative-title {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--navy-800);
  margin: 0 0 0.5rem 0;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.calc-narrative-text {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--slate-700);
  margin: 0 0 0.5rem 0;
}
.calc-narrative-disclaimer {
  font-size: 0.8125rem;
  color: var(--slate-500);
  font-style: italic;
  margin: 0;
}

/* Time Horizon Card */
.time-horizon-card {
  background: linear-gradient(135deg, #f0fdf4 0%, #ffffff 100%);
  border: 1px solid #bbf7d0;
  border-left: 4px solid #16a34a;
  border-radius: var(--radius-lg);
  padding: 1.375rem 1.5rem;
  margin-top: 1.25rem;
}
.time-horizon-badge {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 700;
  color: #166534;
  background: #dcfce7;
  padding: 0.25rem 0.625rem;
  border-radius: 9999px;
  margin-bottom: 0.5rem;
}
.time-horizon-title {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--navy-800);
  margin: 0 0 0.5rem 0;
}
.time-horizon-text {
  font-size: 0.9375rem;
  line-height: 1.65;
  color: var(--slate-700);
  margin: 0;
}

/* Scenario Comparison Grid */
.scenario-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
  margin: 1.5rem 0 2rem;
}
@media (min-width: 768px) {
  .scenario-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}
.scenario-card {
  background: #ffffff;
  border: 1.5px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 1.25rem;
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  position: relative;
}
.scenario-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(15, 46, 68, 0.08);
  border-color: var(--navy-300);
}
.scenario-card.scenario-card-active {
  border-color: var(--navy-600);
  box-shadow: 0 4px 14px rgba(27, 79, 114, 0.12);
}
.scenario-badge {
  font-size: 0.6875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 0.25rem 0.5rem;
  border-radius: 4px;
  align-self: flex-start;
  margin-bottom: 0.75rem;
}
.scenario-badge-a { background: var(--slate-100); color: var(--slate-700); }
.scenario-badge-b { background: #dbeafe; color: #1e40af; }
.scenario-badge-c { background: #fef3c7; color: #92400e; }
.scenario-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy-800);
  margin: 0 0 0.5rem 0;
}
.scenario-balance {
  font-size: 1.625rem;
  font-weight: 900;
  color: var(--navy-900);
  line-height: 1.1;
  margin-bottom: 0.35rem;
  letter-spacing: -0.02em;
}
.scenario-diff {
  font-size: 0.8125rem;
  font-weight: 600;
  margin-bottom: 0.75rem;
  display: flex;
  align-items: center;
  gap: 0.25rem;
}
.scenario-diff.positive { color: #16a34a; }
.scenario-diff.baseline { color: var(--slate-500); }
.scenario-meta {
  font-size: 0.75rem;
  color: var(--slate-500);
  line-height: 1.5;
  border-top: 1px solid var(--slate-100);
  padding-top: 0.5rem;
  margin-top: auto;
}

/* Interactive SVG Chart Container */
.calc-chart-card {
  background: #ffffff;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  padding: 1.5rem;
  margin-bottom: 2rem;
  box-shadow: 0 4px 20px -2px rgba(15, 46, 68, 0.06);
}
@media (min-width: 768px) {
  .calc-chart-card { padding: 2rem; }
}

.calc-chart-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  margin-bottom: 1.25rem;
}
.calc-chart-title {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--navy-700);
  margin: 0;
}
.calc-chart-legend {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--slate-600);
  flex-wrap: wrap;
}
.calc-legend-item {
  display: flex;
  align-items: center;
  gap: 0.375rem;
}
.calc-legend-dot {
  width: 12px;
  height: 12px;
  border-radius: 3px;
}
.dot-contrib { background: var(--navy-600); }
.dot-growth { background: var(--gold-400); }
.dot-total { background: var(--navy-900); }

.calc-chart-viewport {
  position: relative;
  width: 100%;
  height: 340px;
  user-select: none;
}
@media (min-width: 640px) {
  .calc-chart-viewport { height: 380px; }
}

.calc-chart-svg {
  width: 100%;
  height: 100%;
  overflow: visible;
}

/* Chart Tooltip */
.calc-tooltip {
  position: absolute;
  pointer-events: none;
  background: rgba(15, 46, 68, 0.95);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-md);
  padding: 0.75rem 0.875rem;
  font-size: 0.75rem;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.3);
  z-index: 50;
  min-width: 170px;
  transform: translate(-50%, -100%);
  margin-top: -12px;
  opacity: 0;
  transition: opacity 0.15s ease, transform 0.15s ease;
}
.calc-tooltip.visible {
  opacity: 1;
}
.calc-tooltip-title {
  font-weight: 700;
  font-size: 0.8125rem;
  color: var(--gold-300);
  margin-bottom: 0.375rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.15);
  padding-bottom: 0.25rem;
}
.calc-tooltip-row {
  display: flex;
  justify-content: space-between;
  gap: 0.75rem;
  margin-bottom: 0.25rem;
}
.calc-tooltip-row:last-child {
  margin-bottom: 0;
  font-weight: 700;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 0.25rem;
  margin-top: 0.25rem;
}

/* Year-by-Year Projection Section */
.projection-drawer {
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  background: #ffffff;
  margin-bottom: 2rem;
  overflow: hidden;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.03);
}
.projection-summary {
  padding: 1.125rem 1.5rem;
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy-700);
  background: var(--slate-50);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  user-select: none;
  list-style: none;
  transition: background 0.15s ease;
}
.projection-summary::-webkit-details-marker { display: none; }
.projection-summary:hover {
  background: var(--navy-50);
}
.projection-summary svg {
  transition: transform 0.2s ease;
  color: var(--navy-600);
}
.projection-drawer[open] .projection-summary svg {
  transform: rotate(180deg);
}

.projection-table-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  max-height: 480px;
  overflow-y: auto;
}
.projection-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.8125rem;
  text-align: right;
}
.projection-table th {
  position: sticky;
  top: 0;
  background: var(--navy-700);
  color: #ffffff;
  padding: 0.625rem 0.875rem;
  font-weight: 600;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.03em;
  z-index: 10;
  text-align: right;
}
.projection-table th:first-child,
.projection-table td:first-child,
.projection-table th:nth-child(2),
.projection-table td:nth-child(2) {
  text-align: center;
}
.projection-table td {
  padding: 0.5rem 0.875rem;
  border-bottom: 1px solid var(--slate-200);
  font-family: inherit;
  color: var(--slate-700);
}
.projection-table tr:hover td {
  background: var(--navy-50);
}

/* Result Disclaimer Alert */
.calc-disclaimer-alert {
  background: #f8fafc;
  border: 1px solid var(--slate-200);
  border-left: 4px solid var(--navy-500);
  border-radius: var(--radius-md);
  padding: 1rem 1.25rem;
  margin-bottom: 2.5rem;
  font-size: 0.8125rem;
  line-height: 1.6;
  color: var(--slate-600);
}
.calc-disclaimer-alert strong {
  color: var(--navy-700);
}

/* Diversification Section */
.diversification-section {
  background: linear-gradient(135deg, var(--navy-50) 0%, #ffffff 100%);
  border: 1px solid var(--navy-200);
  border-radius: var(--radius-xl);
  padding: 2rem 1.5rem;
  margin-top: 3rem;
  margin-bottom: 2.5rem;
}
@media (min-width: 768px) {
  .diversification-section { padding: 2.5rem; }
}
.diversification-title {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy-800);
  margin-top: 0;
  margin-bottom: 0.75rem;
}
.diversification-text {
  font-size: 0.9375rem;
  line-height: 1.7;
  color: var(--slate-700);
  margin-bottom: 1.25rem;
}
.diversification-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
  margin-top: 1.25rem;
}
@media (min-width: 640px) {
  .diversification-cards { grid-template-columns: repeat(3, 1fr); }
}
.diversification-card {
  background: #ffffff;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  text-decoration: none;
  transition: all 0.2s ease;
  display: flex;
  flex-direction: column;
}
.diversification-card:hover {
  border-color: var(--navy-400);
  box-shadow: 0 4px 14px rgba(27, 79, 114, 0.1);
  transform: translateY(-2px);
}
.diversification-card h4 {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--navy-700);
  margin: 0 0 0.375rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.diversification-card p {
  font-size: 0.8125rem;
  color: var(--slate-500);
  line-height: 1.5;
  margin: 0;
}



/* Gold IRA Diversification & Wealth Protection Result Bridge */
.calc-gold-bridge {
  background: linear-gradient(145deg, #091c2e 0%, #15324a 100%);
  border: 1px solid rgba(201, 168, 76, 0.4);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.875rem;
  margin-top: 1.5rem;
  color: #ffffff;
  box-shadow: 0 10px 30px rgba(10, 31, 51, 0.25), 0 0 0 1px rgba(201, 168, 76, 0.15);
  position: relative;
  overflow: hidden;
}
.calc-gold-bridge::before {
  content: '';
  position: absolute;
  top: -40px;
  right: -40px;
  width: 220px;
  height: 220px;
  background: radial-gradient(circle, rgba(201, 168, 76, 0.2) 0%, transparent 70%);
  pointer-events: none;
}
.calc-gold-bridge-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  background: rgba(201, 168, 76, 0.2);
  border: 1px solid rgba(201, 168, 76, 0.5);
  color: #fce79a;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0.3rem 0.75rem;
  border-radius: 9999px;
  margin-bottom: 0.875rem;
}
.calc-gold-bridge-title {
  font-size: 1.35rem;
  font-weight: 800;
  color: #ffffff;
  line-height: 1.35;
  margin: 0 0 0.625rem 0;
}
.calc-gold-bridge-title span.gold-highlight {
  color: #f7d56e;
  text-decoration: underline;
  text-decoration-color: rgba(201, 168, 76, 0.5);
  text-underline-offset: 4px;
}
.calc-gold-bridge-desc {
  font-size: 0.9375rem;
  line-height: 1.6;
  color: #cbd5e1;
  margin: 0 0 1.25rem 0;
}
.calc-gold-bridge-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1.5rem;
}
@media (max-width: 680px) {
  .calc-gold-bridge-grid {
    grid-template-columns: 1fr;
  }
}
.calc-gold-pill {
  background: rgba(15, 46, 68, 0.6);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-md);
  padding: 1rem 1.125rem;
}
.calc-gold-pill.gold-highlight-pill {
  background: linear-gradient(180deg, rgba(201, 168, 76, 0.14) 0%, rgba(15, 46, 68, 0.7) 100%);
  border: 1px solid rgba(201, 168, 76, 0.45);
}
.calc-gold-pill-head {
  font-size: 0.875rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  margin-bottom: 0.625rem;
}
.calc-gold-pill.gold-highlight-pill .calc-gold-pill-head {
  color: #fce79a;
}
.calc-gold-pill:not(.gold-highlight-pill) .calc-gold-pill-head {
  color: #94a3b8;
}
.calc-gold-pill-list {
  list-style: none;
  padding: 0;
  margin: 0;
  font-size: 0.8125rem;
  line-height: 1.55;
}
.calc-gold-pill-list li {
  position: relative;
  padding-left: 1.35rem;
  margin-bottom: 0.45rem;
  color: #e2e8f0;
}
.calc-gold-pill-list li:last-child {
  margin-bottom: 0;
}
.calc-gold-pill:not(.gold-highlight-pill) .calc-gold-pill-list li::before {
  content: '⚠️';
  position: absolute;
  left: 0;
  top: 1px;
  font-size: 0.75rem;
}
.calc-gold-pill.gold-highlight-pill .calc-gold-pill-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 0;
  color: #f7d56e;
  font-weight: bold;
}
.calc-gold-bridge-cta-wrap {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding-top: 1.125rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}
.calc-gold-bridge-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.625rem;
  background: linear-gradient(180deg, #dfb755 0%, #b89233 100%);
  color: #081e2e;
  font-size: 1rem;
  font-weight: 800;
  padding: 0.875rem 1.75rem;
  border-radius: var(--radius-md);
  text-decoration: none;
  box-shadow: 0 4px 14px rgba(201, 168, 76, 0.4);
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
  width: 100%;
  max-width: 480px;
}
.calc-gold-bridge-btn:hover {
  background: linear-gradient(180deg, #ebc464 0%, #c9a03b 100%);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(201, 168, 76, 0.5);
  color: #081e2e;
}
.calc-gold-bridge-meta {
  font-size: 0.75rem;
  color: #94a3b8;
  margin-top: 0.5rem;
}
.calc-gold-bridge-secondary {
  margin-top: 0.5rem;
  font-size: 0.8125rem;
}
.calc-gold-bridge-secondary a {
  color: #fce79a;
  text-decoration: underline;
  transition: color 0.15s ease;
}
.calc-gold-bridge-secondary a:hover {
  color: #ffffff;
}

/* ============================================
   Roth IRA Calculator - Lead Magnet Popup Modal
   ============================================ */
.ira-popup-backdrop {
  position: fixed;
  inset: 0;
  z-index: 99999;
  background: rgba(8, 30, 46, 0.78);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.25rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.35s cubic-bezier(0.16, 1, 0.3, 1), visibility 0.35s ease;
}

.ira-popup-backdrop.active {
  opacity: 1;
  visibility: visible;
}

.ira-popup-card {
  position: relative;
  background: #ffffff;
  border-radius: 1.25rem;
  width: 100%;
  max-width: 530px;
  overflow: hidden;
  box-shadow: 0 25px 60px -12px rgba(0, 0, 0, 0.5), 0 0 0 1px rgba(201, 168, 76, 0.35);
  transform: scale(0.92) translateY(24px);
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.ira-popup-backdrop.active .ira-popup-card {
  transform: scale(1) translateY(0);
}

/* Close Button */
.ira-popup-close {
  position: absolute;
  top: 1rem;
  right: 1rem;
  z-index: 10;
  width: 2.25rem;
  height: 2.25rem;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.15);
  border: 1px solid rgba(255, 255, 255, 0.25);
  color: #ffffff;
  font-size: 1.25rem;
  line-height: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.2s ease;
}

.ira-popup-close:hover {
  background: rgba(255, 255, 255, 0.3);
  transform: rotate(90deg);
  color: #ffffff;
}

/* Header Banner */
.ira-popup-header {
  background: linear-gradient(135deg, var(--navy-900) 0%, #163853 100%);
  padding: 2rem 1.75rem 1.5rem;
  color: #ffffff;
  position: relative;
  overflow: hidden;
}

.ira-popup-header::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--gold-400), transparent);
}

.ira-popup-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-300);
  background: rgba(201, 168, 76, 0.18);
  border: 1px solid rgba(201, 168, 76, 0.4);
  padding: 0.35rem 0.75rem;
  border-radius: 2rem;
  margin-bottom: 0.875rem;
}

.ira-popup-title {
  font-size: clamp(1.25rem, 3.5vw, 1.45rem);
  font-weight: 800;
  color: #ffffff;
  line-height: 1.35;
  margin-bottom: 0.5rem;
}

.ira-popup-title span {
  color: var(--gold-300);
}

.ira-popup-subtitle {
  font-size: 0.875rem;
  color: var(--navy-100);
  line-height: 1.5;
  margin: 0;
}

/* Body */
.ira-popup-body {
  padding: 1.5rem 1.75rem 1.75rem;
  background: #ffffff;
}

.ira-popup-alert-box {
  background: #fdfbf7;
  border: 1px solid #f2e3bc;
  border-radius: var(--radius-md);
  padding: 0.875rem 1rem;
  margin-bottom: 1.25rem;
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
}

.ira-popup-alert-icon {
  flex-shrink: 0;
  width: 1.5rem;
  height: 1.5rem;
  color: var(--gold-500);
  margin-top: 0.125rem;
}

.ira-popup-alert-text {
  font-size: 0.875rem;
  color: var(--slate-700);
  line-height: 1.5;
  margin: 0;
}

.ira-popup-alert-text strong {
  color: var(--navy-900);
}

.ira-popup-perks {
  list-style: none;
  padding: 0;
  margin: 0 0 1.5rem 0;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.ira-popup-perks li {
  display: flex;
  align-items: flex-start;
  gap: 0.625rem;
  font-size: 0.875rem;
  color: var(--slate-700);
  line-height: 1.45;
}

.ira-popup-perk-icon {
  flex-shrink: 0;
  width: 1.125rem;
  height: 1.125rem;
  color: #16a34a;
  margin-top: 0.15rem;
}

.ira-popup-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.625rem;
  width: 100%;
  background: linear-gradient(135deg, #d4af37 0%, #c9a84c 40%, #a88428 100%);
  color: #081e2e;
  font-weight: 800;
  font-size: 1.05rem;
  padding: 0.95rem 1.5rem;
  border-radius: var(--radius-md);
  text-decoration: none;
  box-shadow: 0 4px 16px rgba(201, 168, 76, 0.45);
  transition: transform 0.18s ease, box-shadow 0.18s ease, filter 0.18s ease;
  cursor: pointer;
  border: none;
}

.ira-popup-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201, 168, 76, 0.6);
  filter: brightness(1.04);
  color: #081e2e;
}

.ira-popup-footer {
  margin-top: 1rem;
  text-align: center;
}

.ira-popup-trust {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0.875rem;
  font-size: 0.75rem;
  color: var(--slate-500);
  margin-bottom: 0.625rem;
}

.ira-popup-trust-item {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
}

.ira-popup-dismiss {
  background: none;
  border: none;
  font-size: 0.8125rem;
  color: var(--slate-400);
  cursor: pointer;
  text-decoration: underline;
  transition: color 0.15s ease;
  padding: 0.25rem 0.5rem;
}

.ira-popup-dismiss:hover {
  color: var(--slate-700);
}

@media (max-width: 480px) {
  .ira-popup-header {
    padding: 1.5rem 1.25rem 1.25rem;
  }
  .ira-popup-body {
    padding: 1.25rem;
  }
  .ira-popup-btn {
    font-size: 0.95rem;
    padding: 0.875rem 1rem;
  }
}