/* ─── TOKENS ────────────────────────────────────────────────── */
:root {
  --navy:      #0d1b2a;
  --navy-2:    #112236;
  --navy-3:    #1a2f47;
  --teal:      #00c9a7;
  --teal-dim:  #009e84;
  --gold:      #f5c842;
  --gold-dim:  #c9a020;
  --red:       #e05252;
  --green:     #4cce8a;
  --text:      #e8edf4;
  --text-muted:#7a93ab;
  --border:    rgba(255,255,255,0.08);
  --card:      rgba(255,255,255,0.04);
  --card-hover:rgba(255,255,255,0.07);
  --radius:    12px;
  --radius-sm: 8px;
  --shadow:    0 4px 24px rgba(0,0,0,0.4);
  --font-body: 'Inter', system-ui, sans-serif;
  --font-serif:'DM Serif Display', Georgia, serif;
}

/* ─── RESET ──────────────────────────────────────────────────── */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:18px;scroll-behavior:smooth}
body{background:var(--navy);color:var(--text);font-family:var(--font-body);min-height:100vh;overflow-x:hidden;line-height:1.6}
input,textarea,select,button{font-family:inherit}
a{color:var(--teal);text-decoration:none}

/* ─── LOADING ────────────────────────────────────────────────── */
.loading-screen{position:fixed;inset:0;background:var(--navy);display:flex;align-items:center;justify-content:center;z-index:9999;transition:opacity .5s}
.loading-screen.fade-out{opacity:0;pointer-events:none}
.loading-inner{text-align:center;display:flex;flex-direction:column;align-items:center;gap:20px}
.logo-mark{font-family:var(--font-serif);font-size:60px;color:var(--text);letter-spacing:-2px}
.logo-mark .accent{color:var(--teal)}
.loading-bar{width:260px;height:3px;background:var(--navy-3);border-radius:99px;overflow:hidden}
.loading-fill{height:100%;background:linear-gradient(90deg,var(--teal),var(--gold));border-radius:99px;width:0%;transition:width .3s ease}
.loading-label{color:var(--text-muted);font-size:.95rem;font-weight:400}

/* ─── UTILITIES ──────────────────────────────────────────────── */
.hidden{display:none!important}
.accent{color:var(--teal)}

/* ─── HEADER ─────────────────────────────────────────────────── */
.site-header{background:var(--navy-2);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100}
.header-inner{display:flex;align-items:center;gap:24px;padding:0 24px;height:64px}
.brand{display:flex;align-items:center;gap:10px}
.brand-logo{font-family:var(--font-serif);font-size:29px;font-weight:400;color:var(--text);letter-spacing:-1px}
.brand-logo .accent{color:var(--teal)}
.brand-name{font-weight:700;font-size:1.1rem;color:var(--text)}
.brand-tag{font-size:.82rem;color:var(--text-muted);background:var(--navy-3);padding:3px 9px;border-radius:99px;border:1px solid var(--border)}
.header-nav{display:flex;gap:4px;margin-left:auto}
.nav-btn{background:none;border:none;color:var(--text-muted);padding:8px 16px;border-radius:var(--radius-sm);cursor:pointer;font-size:.95rem;font-weight:500;transition:all .2s}
.nav-btn:hover{color:var(--text);background:var(--card)}
.nav-btn.active{color:var(--teal);background:rgba(0,201,167,.12)}
.header-actions{display:flex;align-items:center;gap:8px;margin-left:16px}
.btn-icon{background:var(--card);border:1px solid var(--border);color:var(--text);width:36px;height:36px;border-radius:var(--radius-sm);cursor:pointer;font-size:1.1rem;transition:all .2s;display:flex;align-items:center;justify-content:center}
.btn-icon:hover{background:var(--card-hover);border-color:var(--teal)}
.live-badge{font-size:.78rem;font-weight:700;color:var(--teal);letter-spacing:.08em;animation:pulse 2s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.4}}

.header-ticker{background:var(--navy-3);border-top:1px solid var(--border);padding:6px 24px;overflow:hidden;white-space:nowrap}
.ticker-inner{display:inline-block;animation:tickerScroll 40s linear infinite;font-size:.85rem;color:var(--text-muted)}
.ticker-item+.ticker-item::before{content:'  •  ';color:var(--border)}
.ticker-up{color:var(--green)}
.ticker-down{color:var(--red)}
@keyframes tickerScroll{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}

/* ─── PANELS ─────────────────────────────────────────────────── */
.panel{min-height:calc(100vh - 96px)}
.panel.active{display:block}
.panel.hidden{display:none}

/* ─── WIZARD ─────────────────────────────────────────────────── */
.wizard-container{display:grid;grid-template-columns:270px 1fr;min-height:calc(100vh - 96px)}
.wizard-sidebar{background:var(--navy-2);border-right:1px solid var(--border);padding:32px 20px;display:flex;flex-direction:column;gap:4px}
.sidebar-step{display:flex;align-items:center;gap:12px;padding:11px 12px;border-radius:var(--radius-sm);color:var(--text-muted);font-size:.95rem;cursor:default;transition:all .2s}
.sidebar-step.done{color:var(--green)}
.sidebar-step.done .step-num{background:var(--green);color:var(--navy)}
.sidebar-step.active{color:var(--text);background:rgba(0,201,167,.08)}
.sidebar-step.active .step-num{background:var(--teal);color:var(--navy)}
.step-num{width:26px;height:26px;border-radius:50%;background:var(--navy-3);display:flex;align-items:center;justify-content:center;font-size:.8rem;font-weight:700;flex-shrink:0;border:1px solid var(--border)}
.step-name{font-weight:500}

.wizard-main{display:flex;flex-direction:column;max-width:800px;margin:0 auto;padding:40px 40px 130px;width:100%}
.wizard-progress-bar{height:4px;background:var(--navy-3);border-radius:99px;margin-bottom:40px;overflow:hidden}
.wizard-progress-fill{height:100%;background:linear-gradient(90deg,var(--teal),var(--gold));border-radius:99px;transition:width .4s ease}

.wizard-content{}
.step-header{margin-bottom:32px}
.step-eyebrow{font-size:.82rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--teal);margin-bottom:8px}
.step-title{font-family:var(--font-serif);font-size:2.3rem;color:var(--text);line-height:1.2;margin-bottom:10px}
.step-desc{color:var(--text-muted);font-size:1rem;line-height:1.6}

/* Form elements */
.form-grid{display:grid;gap:22px}
.form-grid.cols-2{grid-template-columns:1fr 1fr}
.form-grid.cols-3{grid-template-columns:1fr 1fr 1fr}
.field{display:flex;flex-direction:column;gap:7px}
.field-label{font-size:.92rem;font-weight:600;color:var(--text-muted);letter-spacing:.02em}
.field-label .req{color:var(--teal)}
.field-hint{font-size:.85rem;color:var(--text-muted);margin-top:2px;line-height:1.4}
.input,.select,.textarea{background:var(--navy-3);border:1px solid var(--border);color:var(--text);padding:12px 15px;border-radius:var(--radius-sm);font-size:1rem;width:100%;transition:border-color .2s,box-shadow .2s}
.input:focus,.select:focus,.textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(0,201,167,.12)}
.input::placeholder,.textarea::placeholder{color:var(--text-muted)}
.select option{background:var(--navy-3);color:var(--text)}
.textarea{resize:vertical;min-height:80px}

.input-prefix-wrap{position:relative}
.input-prefix{position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--text-muted);font-size:1rem;pointer-events:none}
.input-prefix-wrap .input{padding-left:30px}
.input-suffix-wrap{position:relative}
.input-suffix{position:absolute;right:13px;top:50%;transform:translateY(-50%);color:var(--text-muted);font-size:.9rem}
.input-suffix-wrap .input{padding-right:38px}

/* Toggle pills */
.pill-group{display:flex;gap:8px;flex-wrap:wrap}
.pill{padding:9px 17px;border-radius:99px;border:1px solid var(--border);background:var(--navy-3);color:var(--text-muted);cursor:pointer;font-size:.92rem;font-weight:500;transition:all .2s}
.pill:hover{border-color:var(--teal);color:var(--text)}
.pill.active{background:rgba(0,201,167,.15);border-color:var(--teal);color:var(--teal)}

/* Repeatable items */
.repeatable-list{display:flex;flex-direction:column;gap:16px;margin-bottom:16px}
.repeatable-item{background:var(--navy-3);border:1px solid var(--border);border-radius:var(--radius);padding:20px;position:relative}
.repeatable-item-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:16px}
.item-title{font-weight:600;font-size:1rem;color:var(--text)}
.btn-remove{background:none;border:none;color:var(--text-muted);cursor:pointer;font-size:1.2rem;padding:2px 6px;border-radius:4px;transition:all .2s}
.btn-remove:hover{color:var(--red);background:rgba(224,82,82,.1)}
.btn-add{background:var(--card);border:1px dashed var(--border);color:var(--teal);padding:11px 16px;border-radius:var(--radius-sm);cursor:pointer;font-size:.95rem;font-weight:500;width:100%;transition:all .2s}
.btn-add:hover{border-color:var(--teal);background:rgba(0,201,167,.08)}

/* Sliders */
.slider-wrap{display:flex;align-items:center;gap:16px}
.slider{-webkit-appearance:none;appearance:none;flex:1;height:4px;border-radius:99px;background:var(--navy-3);outline:none;cursor:pointer}
.slider::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:var(--teal);cursor:pointer;border:2px solid var(--navy)}
.slider-val{min-width:60px;text-align:right;font-weight:600;color:var(--teal)}

/* Info cards */
.info-card{background:rgba(0,201,167,.06);border:1px solid rgba(0,201,167,.2);border-radius:var(--radius-sm);padding:15px 17px;font-size:.92rem;color:var(--text-muted);line-height:1.5}
.info-card strong{color:var(--teal)}

/* Wizard controls */
.wizard-controls{position:fixed;bottom:0;left:270px;right:0;background:var(--navy-2);border-top:1px solid var(--border);padding:18px 40px;display:flex;align-items:center;justify-content:space-between;z-index:50}
.btn-ghost{background:none;border:1px solid var(--border);color:var(--text-muted);padding:11px 22px;border-radius:var(--radius-sm);cursor:pointer;font-size:1rem;font-weight:500;transition:all .2s}
.btn-ghost:hover{border-color:var(--text-muted);color:var(--text)}
.btn-primary{background:linear-gradient(135deg,var(--teal),var(--teal-dim));border:none;color:var(--navy);padding:11px 26px;border-radius:var(--radius-sm);cursor:pointer;font-size:1rem;font-weight:700;transition:all .2s}
.btn-primary:hover{transform:translateY(-1px);box-shadow:0 4px 16px rgba(0,201,167,.3)}
.step-label{color:var(--text-muted);font-size:.92rem}

/* ─── DASHBOARD ──────────────────────────────────────────────── */
.dashboard-wrap{padding:32px}
.dash-empty{display:flex;flex-direction:column;align-items:center;justify-content:center;min-height:60vh;gap:16px;color:var(--text-muted)}
.dash-empty-icon{font-size:3.4rem}
.dash-empty p{font-size:1.1rem}

/* KPI row */
.kpi-row{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:24px}
.kpi-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:22px 24px;transition:all .2s}
.kpi-card:hover{background:var(--card-hover);transform:translateY(-1px)}
.kpi-label{font-size:.85rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--text-muted);margin-bottom:8px}
.kpi-value{font-family:var(--font-serif);font-size:2.3rem;color:var(--text);line-height:1}
.kpi-value.positive{color:var(--green)}
.kpi-value.negative{color:var(--red)}
.kpi-value.highlight{color:var(--teal)}
.kpi-sub{font-size:.85rem;color:var(--text-muted);margin-top:4px}
.kpi-change{font-size:.85rem;margin-top:6px}
.kpi-change.up{color:var(--green)}
.kpi-change.down{color:var(--red)}

/* Chart grid */
.chart-grid{display:grid;grid-template-columns:2fr 1fr;gap:16px;margin-bottom:24px}
.chart-grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px;margin-bottom:24px}

.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:24px}
.card-title{font-weight:700;font-size:1.05rem;color:var(--text);margin-bottom:4px}
.card-sub{font-size:.88rem;color:var(--text-muted);margin-bottom:20px}
.chart-wrap{position:relative;height:260px}
.chart-wrap.tall{height:340px}

/* Income breakdown table */
.income-table{width:100%;border-collapse:collapse;font-size:.95rem}
.income-table th{text-align:left;padding:9px 12px;font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--text-muted);border-bottom:1px solid var(--border)}
.income-table td{padding:11px 12px;border-bottom:1px solid rgba(255,255,255,.04)}
.income-table tr:last-child td{border-bottom:none}
.income-table tr:hover td{background:var(--card-hover)}
.td-source{font-weight:500;color:var(--text)}
.td-gross{color:var(--text)}
.td-tax{color:var(--red)}
.td-net{font-weight:700;color:var(--green)}
.td-type{font-size:.8rem;color:var(--text-muted);background:var(--navy-3);padding:3px 9px;border-radius:99px}
.table-total{background:rgba(0,201,167,.06);font-weight:700}
.table-total td{color:var(--teal);border-top:1px solid rgba(0,201,167,.2);border-bottom:none}

/* Tax band viz */
.tax-bands{display:flex;flex-direction:column;gap:8px}
.tax-band-row{display:flex;align-items:center;gap:12px}
.band-label{width:130px;font-size:.88rem;color:var(--text-muted)}
.band-bar-wrap{flex:1;height:22px;background:var(--navy-3);border-radius:4px;overflow:hidden}
.band-bar{height:100%;border-radius:4px;transition:width .6s ease}
.band-val{width:80px;text-align:right;font-size:.9rem;font-weight:600;color:var(--text)}

/* Alert cards */
.alert-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:24px}
.alert-card{border-radius:var(--radius-sm);padding:16px 18px;font-size:.92rem;line-height:1.5}
.alert-card.warn{background:rgba(245,200,66,.08);border:1px solid rgba(245,200,66,.3);color:var(--gold)}
.alert-card.info{background:rgba(0,201,167,.06);border:1px solid rgba(0,201,167,.2);color:var(--teal)}
.alert-card.danger{background:rgba(224,82,82,.08);border:1px solid rgba(224,82,82,.3);color:var(--red)}
.alert-card.success{background:rgba(76,206,138,.08);border:1px solid rgba(76,206,138,.3);color:var(--green)}
.alert-title{font-weight:700;margin-bottom:4px}

/* Age slider */
.age-control{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:20px 24px;margin-bottom:16px;display:flex;align-items:center;gap:24px}
.age-label{font-size:.95rem;color:var(--text-muted)}
.age-display{font-family:var(--font-serif);font-size:2.3rem;color:var(--teal);min-width:52px;text-align:center}
.age-slider{flex:1}

/* ─── SCENARIOS ──────────────────────────────────────────────── */
.scenarios-wrap{padding:32px}
.scenarios-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-bottom:24px}
.scenario-card{background:var(--card);border:2px solid var(--border);border-radius:var(--radius);padding:24px;cursor:pointer;transition:all .2s}
.scenario-card:hover{border-color:var(--teal);transform:translateY(-2px)}
.scenario-card.selected{border-color:var(--teal);background:rgba(0,201,167,.06)}
.scenario-icon{font-size:2.2rem;margin-bottom:12px}
.scenario-title{font-weight:700;font-size:1.05rem;margin-bottom:6px}
.scenario-desc{font-size:.9rem;color:var(--text-muted);line-height:1.5}
.scenario-result{margin-top:12px;font-family:var(--font-serif);font-size:1.7rem;color:var(--teal)}

.comparison-table{width:100%;border-collapse:collapse;font-size:.95rem;margin-top:12px}
.comparison-table th,.comparison-table td{padding:11px 14px;border-bottom:1px solid var(--border);text-align:right}
.comparison-table th:first-child,.comparison-table td:first-child{text-align:left}
.comparison-table th{font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:var(--text-muted)}
.comparison-table .best{color:var(--green);font-weight:700}
.comparison-table .worst{color:var(--red)}

/* ─── AI ADVISER ─────────────────────────────────────────────── */
.ai-container{display:flex;flex-direction:column;height:calc(100vh - 96px)}
.ai-header-block{padding:24px 32px;border-bottom:1px solid var(--border);background:var(--navy-2)}
.ai-header-block h2{font-family:var(--font-serif);font-size:1.8rem;margin-bottom:6px}
.ai-header-block p{font-size:.95rem;color:var(--text-muted)}
.ai-disclaimer{margin-top:10px;font-size:.85rem;background:rgba(245,200,66,.08);border:1px solid rgba(245,200,66,.2);color:var(--gold);padding:9px 13px;border-radius:var(--radius-sm)}
.ai-messages{flex:1;overflow-y:auto;padding:24px 32px;display:flex;flex-direction:column;gap:16px}
.ai-msg{display:flex;gap:12px;align-items:flex-start}
.ai-msg.ai-user{flex-direction:row-reverse}
.msg-avatar{width:36px;height:36px;border-radius:50%;background:var(--teal);display:flex;align-items:center;justify-content:center;font-size:.8rem;font-weight:700;color:var(--navy);flex-shrink:0}
.ai-msg.ai-user .msg-avatar{background:var(--gold);color:var(--navy)}
.msg-bubble{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:15px 19px;font-size:.98rem;line-height:1.6;max-width:75%}
.ai-msg.ai-user .msg-bubble{background:rgba(0,201,167,.1);border-color:rgba(0,201,167,.2)}
.msg-bubble strong{color:var(--teal)}
.msg-bubble code{background:var(--navy-3);padding:2px 6px;border-radius:4px;font-family:monospace;font-size:.9rem}
.msg-thinking{opacity:.6;font-style:italic}

.ai-footer{border-top:1px solid var(--border);padding:16px 32px;background:var(--navy-2)}
.suggested-qs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:12px}
.sq{background:var(--navy-3);border:1px solid var(--border);color:var(--text-muted);padding:7px 13px;border-radius:99px;cursor:pointer;font-size:.85rem;transition:all .2s}
.sq:hover{border-color:var(--teal);color:var(--teal)}
.ai-input-wrap{display:flex;gap:8px;align-items:flex-end}
.ai-input{flex:1;background:var(--navy-3);border:1px solid var(--border);color:var(--text);padding:11px 15px;border-radius:var(--radius-sm);font-size:.98rem;resize:none;transition:border-color .2s}
.ai-input:focus{outline:none;border-color:var(--teal)}
.btn-send{background:var(--teal);border:none;color:var(--navy);padding:11px 20px;border-radius:var(--radius-sm);cursor:pointer;font-weight:700;font-size:.98rem;transition:all .2s}
.btn-send:hover{background:var(--teal-dim)}
.btn-send:disabled{opacity:.4;cursor:not-allowed}

/* ─── MODAL ──────────────────────────────────────────────────── */
.modal-overlay{position:fixed;inset:0;background:rgba(0,0,0,.6);backdrop-filter:blur(4px);z-index:1000;display:flex;align-items:center;justify-content:center}
.modal-box{background:var(--navy-2);border:1px solid var(--border);border-radius:var(--radius);padding:32px;max-width:540px;width:90%;max-height:80vh;overflow-y:auto}
.modal-title{font-family:var(--font-serif);font-size:1.6rem;margin-bottom:16px}
.modal-actions{display:flex;gap:10px;margin-top:24px;justify-content:flex-end}

/* ─── SCROLLBAR ──────────────────────────────────────────────── */
::-webkit-scrollbar{width:6px;height:6px}
::-webkit-scrollbar-track{background:transparent}
::-webkit-scrollbar-thumb{background:var(--navy-3);border-radius:99px}
::-webkit-scrollbar-thumb:hover{background:var(--text-muted)}

/* ══════════════════════════════════════════════════════════════
   HOME / LANDING PAGE — modelled on MoneyHelper's simple, generously-
   sized card-grid layout, in the app's own dark navy/teal theme.
   ══════════════════════════════════════════════════════════════ */
.home-wrap{max-width:1180px;margin:0 auto;padding:0 32px 80px}

.home-hero{padding:64px 0 48px;text-align:center}
.home-hero-eyebrow{font-size:.9rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--teal);margin-bottom:14px}
.home-hero h1{font-family:var(--font-serif);font-size:3rem;line-height:1.15;color:var(--text);margin-bottom:18px}
.home-hero p{font-size:1.15rem;color:var(--text-muted);max-width:640px;margin:0 auto 30px;line-height:1.6}

/* Quick jump nav between the three sections */
.home-anchor-nav{display:flex;justify-content:center;gap:12px;flex-wrap:wrap;margin-bottom:8px}
.anchor-link{background:var(--card);border:1px solid var(--border);color:var(--text-muted);padding:10px 20px;border-radius:99px;font-size:.95rem;font-weight:500;transition:all .2s;cursor:pointer}
.anchor-link:hover{border-color:var(--teal);color:var(--teal)}

/* Section shell shared by all three */
.home-section{padding:64px 0;border-top:1px solid var(--border)}
.home-section:first-of-type{border-top:none}
.home-section-header{max-width:680px;margin:0 auto 40px;text-align:center}
.home-section-eyebrow{font-size:.85rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--teal);margin-bottom:10px}
.home-section-title{font-family:var(--font-serif);font-size:2.2rem;color:var(--text);margin-bottom:14px;line-height:1.2}
.home-section-desc{font-size:1.05rem;color:var(--text-muted);line-height:1.6}

/* Section 1 — calculator CTA */
.calc-cta-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:48px;display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap}
.calc-cta-text h3{font-family:var(--font-serif);font-size:1.6rem;color:var(--text);margin-bottom:10px}
.calc-cta-text p{font-size:1rem;color:var(--text-muted);max-width:480px;line-height:1.6}
.calc-cta-stats{display:flex;gap:28px;margin-top:20px;flex-wrap:wrap}
.calc-cta-stat{}
.calc-cta-stat-val{font-family:var(--font-serif);font-size:1.6rem;color:var(--teal)}
.calc-cta-stat-label{font-size:.82rem;color:var(--text-muted)}
.btn-primary-lg{background:linear-gradient(135deg,var(--teal),var(--teal-dim));border:none;color:var(--navy);padding:16px 34px;border-radius:var(--radius-sm);cursor:pointer;font-size:1.05rem;font-weight:700;transition:all .2s;white-space:nowrap}
.btn-primary-lg:hover{transform:translateY(-1px);box-shadow:0 6px 20px rgba(0,201,167,.35)}

/* Section 2 — advice grid */
.advice-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.advice-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:28px;transition:all .2s;cursor:pointer}
.advice-card:hover{border-color:var(--teal);transform:translateY(-2px);background:var(--card-hover)}
.advice-icon{font-size:2.1rem;margin-bottom:14px}
.advice-title{font-weight:700;font-size:1.1rem;color:var(--text);margin-bottom:8px}
.advice-desc{font-size:.92rem;color:var(--text-muted);line-height:1.55}
.advice-link{display:inline-block;margin-top:14px;font-size:.9rem;font-weight:600;color:var(--teal)}
.advice-card.featured{grid-column:span 3;display:flex;align-items:center;gap:24px;background:rgba(0,201,167,.06);border-color:rgba(0,201,167,.25)}
.advice-card.featured .advice-icon{font-size:2.6rem;margin-bottom:0}

/* Section 3 — state pension calculator */
.sp-calc-layout{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.sp-calc-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:32px}
.sp-result-card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:32px;text-align:center}
.sp-result-label{font-size:.9rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:.08em;margin-bottom:10px}
.sp-result-value{font-family:var(--font-serif);font-size:3rem;color:var(--teal);line-height:1;margin-bottom:6px}
.sp-result-sub{font-size:1rem;color:var(--text-muted);margin-bottom:24px}
.sp-result-bar-wrap{height:10px;background:var(--navy-3);border-radius:99px;overflow:hidden;margin-bottom:8px}
.sp-result-bar{height:100%;background:linear-gradient(90deg,var(--teal),var(--gold));border-radius:99px;transition:width .5s ease}
.sp-result-note{font-size:.85rem;color:var(--text-muted);line-height:1.5;text-align:left;margin-top:20px;padding-top:20px;border-top:1px solid var(--border)}

/* Email capture — hero */
.hero-email-capture{max-width:440px;margin:0 auto}
.hero-email-form{display:flex;gap:10px}
.hero-email-form .input{flex:1}

/* Email capture — advice section CTA */
.advice-email-cta{margin-top:32px;background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:28px 32px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.advice-email-cta-text h3{font-family:var(--font-serif);font-size:1.3rem;color:var(--text);margin-bottom:4px}
.advice-email-cta-text p{font-size:.92rem;color:var(--text-muted)}
.advice-email-cta .hero-email-form{min-width:320px}

@media(max-width:600px){
  .hero-email-form{flex-direction:column}
  .advice-email-cta{flex-direction:column;text-align:center}
  .advice-email-cta .hero-email-form{width:100%;min-width:0}
}

@media(max-width:900px){
  .wizard-container{grid-template-columns:1fr}
  .wizard-sidebar{display:none}
  .wizard-controls{left:0}
  .kpi-row{grid-template-columns:repeat(2,1fr)}
  .chart-grid,.chart-grid-3{grid-template-columns:1fr}
  .scenarios-grid{grid-template-columns:1fr}
  .alert-grid{grid-template-columns:1fr}
  .advice-grid{grid-template-columns:1fr}
  .advice-card.featured{grid-column:span 1;flex-direction:column;text-align:center}
  .sp-calc-layout{grid-template-columns:1fr}
  .home-hero h1{font-size:2.2rem}
  .calc-cta-card{flex-direction:column;text-align:center;justify-content:center}
}
@media(max-width:600px){
  .kpi-row{grid-template-columns:1fr}
  .brand-tag,.brand-name{display:none}
  .header-nav .nav-btn{padding:7px 10px;font-size:.85rem}
  .form-grid.cols-2,.form-grid.cols-3{grid-template-columns:1fr}
}