@import"https://fonts.googleapis.com/css2?family=Fraunces:ital,opsz,wght@0,9..144,300;0,9..144,400;0,9..144,500;0,9..144,600;0,9..144,700;1,9..144,400&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&display=swap";:root{--font-display: "Fraunces", Georgia, serif;--font-body: "DM Sans", -apple-system, BlinkMacSystemFont, sans-serif;--color-primary: #c2410c;--color-primary-light: #ea580c;--color-primary-dark: #9a3412;--color-primary-glow: rgba(234, 88, 12, .15);--color-primary-50: #fff7ed;--color-primary-100: #ffedd5;--color-primary-200: #fed7aa;--color-gold: #d97706;--color-gold-light: #fbbf24;--color-gold-pale: #fef3c7;--color-sage: #65a30d;--color-sage-light: #84cc16;--color-sage-pale: #ecfccb;--color-success: #16a34a;--color-success-light: #dcfce7;--color-warning: #ca8a04;--color-warning-light: #fef9c3;--color-danger: #dc2626;--color-danger-light: #fee2e2;--color-gray-50: #fafaf9;--color-gray-100: #f5f5f4;--color-gray-200: #e7e5e4;--color-gray-300: #d6d3d1;--color-gray-400: #a8a29e;--color-gray-500: #78716c;--color-gray-600: #57534e;--color-gray-700: #44403c;--color-gray-800: #292524;--color-gray-900: #1c1917;--color-text: #292524;--color-text-muted: #78716c;--color-text-light: #a8a29e;--color-bg: #fffbf5;--color-bg-alt: #fef7ed;--color-bg-card: #ffffff;--color-border: #e7e5e4;--color-border-light: #f5f5f4;--focus-ring: 0 0 0 3px rgba(234, 88, 12, .2);--shadow-sm: 0 1px 2px rgba(28, 25, 23, .04);--shadow-md: 0 4px 12px rgba(28, 25, 23, .06), 0 1px 3px rgba(28, 25, 23, .04);--shadow-lg: 0 12px 32px rgba(28, 25, 23, .08), 0 4px 12px rgba(28, 25, 23, .04);--shadow-glow: 0 0 40px rgba(234, 88, 12, .12);--gradient-sunrise: linear-gradient(135deg, #fef3c7 0%, #fed7aa 50%, #fdba74 100%);--gradient-golden: linear-gradient(135deg, #d97706 0%, #ea580c 100%);--gradient-warm: linear-gradient(180deg, #fffbf5 0%, #fef7ed 100%);--gradient-card: linear-gradient(180deg, #ffffff 0%, #fefcf9 100%);--radius-sm: 8px;--radius-md: 12px;--radius-lg: 20px;--radius-xl: 28px;--radius-full: 9999px;--space-1: .25rem;--space-2: .5rem;--space-3: .75rem;--space-4: 1rem;--space-5: 1.25rem;--space-6: 1.5rem;--space-8: 2rem;--space-10: 2.5rem;--space-12: 3rem;--transition-fast: .15s cubic-bezier(.4, 0, .2, 1);--transition-base: .25s cubic-bezier(.4, 0, .2, 1);--transition-slow: .4s cubic-bezier(.4, 0, .2, 1);--transition-spring: .5s cubic-bezier(.34, 1.56, .64, 1)}html{-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}body{font-family:var(--font-body);color:var(--color-text);background:var(--color-bg);line-height:1.6;margin:0}h1,h2,h3,h4,h5,h6{font-family:var(--font-display);font-weight:500;line-height:1.2;letter-spacing:-.02em}::selection{background:var(--color-primary-100);color:var(--color-primary-dark)}:focus-visible{outline:2px solid var(--color-primary);outline-offset:2px}@media(prefers-reduced-motion:no-preference){html{scroll-behavior:smooth}}*,*:before,*:after{box-sizing:border-box}:root{font-family:var(--font-sans);line-height:1.5;font-weight:400;color:var(--color-text);background-color:var(--color-bg);font-synthesis:none;text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}html,body{margin:0;padding:0;width:100%;min-height:100vh}#root{width:100%;min-height:100vh}a{color:inherit;text-decoration:none}button{font-family:inherit;cursor:pointer}.wizard{display:flex;flex-direction:column;height:calc(100vh - 72px);background:var(--gradient-warm);overflow:hidden;position:relative}.wizard:before{content:"";position:absolute;top:-200px;right:-200px;width:600px;height:600px;background:radial-gradient(circle,var(--color-gold-pale) 0%,transparent 70%);opacity:.5;pointer-events:none;z-index:0}.wizard:after{content:"";position:absolute;bottom:-300px;left:-200px;width:800px;height:800px;background:radial-gradient(circle,var(--color-primary-50) 0%,transparent 70%);opacity:.4;pointer-events:none;z-index:0}.wizard-progress{display:flex;gap:.5rem;padding:1.5rem 2.5rem;background:var(--color-bg-card);border-bottom:1px solid var(--color-border-light);overflow-x:auto;position:relative;z-index:1;box-shadow:var(--shadow-sm)}.wizard-step-indicator{display:flex;flex-direction:column;align-items:center;gap:.625rem;padding:.875rem 1.25rem;background:transparent;border:none;cursor:default;opacity:.35;transition:all var(--transition-base);min-width:90px;flex:1;border-radius:var(--radius-md)}.wizard-step-indicator.clickable{cursor:pointer}.wizard-step-indicator.clickable:hover{opacity:.6;background:var(--color-bg-alt)}.wizard-step-indicator.active,.wizard-step-indicator.completed{opacity:1}.step-number{width:36px;height:36px;border-radius:var(--radius-full);background:var(--color-gray-200);color:var(--color-gray-500);display:flex;align-items:center;justify-content:center;font-weight:600;font-size:.9rem;font-family:var(--font-body);transition:all var(--transition-base);box-shadow:var(--shadow-sm)}.wizard-step-indicator.active .step-number{background:var(--gradient-golden);color:#fff;box-shadow:var(--shadow-md),0 0 20px var(--color-primary-glow);transform:scale(1.05)}.wizard-step-indicator.completed .step-number{background:var(--color-success);color:#fff;box-shadow:var(--shadow-sm)}.step-number svg{width:18px;height:18px}.step-title{font-size:.75rem;font-weight:500;color:var(--color-text-muted);text-align:center;white-space:nowrap;font-family:var(--font-body);letter-spacing:.01em}.wizard-step-indicator.active .step-title{color:var(--color-text);font-weight:600}.step-optional{font-size:.625rem;color:var(--color-text-light);background:var(--color-gray-100);padding:.125rem .5rem;border-radius:var(--radius-full);text-transform:uppercase;letter-spacing:.05em;font-weight:500}.wizard-content{flex:1;padding:2.5rem;overflow-y:auto;display:flex;flex-direction:column;min-height:0;position:relative;z-index:1}.wizard-loading{flex:1;display:flex;align-items:center;justify-content:center}.wizard-header{text-align:center;margin-bottom:2.5rem;animation:fadeInUp .5s ease-out}@keyframes fadeInUp{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}.wizard-header h2{font-family:var(--font-display);font-size:1.875rem;font-weight:500;color:var(--color-text);margin:0 0 .625rem;letter-spacing:-.02em}.wizard-header p{color:var(--color-text-muted);margin:0;font-size:1rem;font-weight:400}.wizard-body{max-width:520px;margin:0 auto;width:100%;animation:fadeInUp .5s ease-out .1s both}.wizard-nav{display:flex;align-items:center;justify-content:space-between;padding:1.25rem 2.5rem;border-top:1px solid var(--color-border-light);background:var(--color-bg-card);position:relative;z-index:1;box-shadow:0 -4px 20px #1c19170a}.wizard-nav-info{font-size:.875rem;color:var(--color-text-muted);font-weight:500}.wizard-btn{padding:.875rem 1.75rem;font-size:.95rem;font-weight:600;font-family:var(--font-body);border-radius:var(--radius-md);cursor:pointer;transition:all var(--transition-fast);min-width:110px;display:inline-flex;align-items:center;justify-content:center;gap:.5rem}.wizard-btn-primary{background:var(--gradient-golden);color:#fff;border:none;box-shadow:var(--shadow-md),0 4px 20px var(--color-primary-glow)}.wizard-btn-primary:hover:not(:disabled){transform:translateY(-2px);box-shadow:var(--shadow-lg),0 8px 30px #ea580c40}.wizard-btn-primary:active:not(:disabled){transform:translateY(0)}.wizard-btn-primary:disabled{opacity:.6;cursor:not-allowed;transform:none}.wizard-btn-secondary{background:var(--color-bg-card);color:var(--color-text-muted);border:1px solid var(--color-border);box-shadow:var(--shadow-sm)}.wizard-btn-secondary:hover:not(:disabled){background:var(--color-bg-alt);color:var(--color-text);border-color:var(--color-gray-300)}.wizard-btn-secondary:disabled{opacity:.4;cursor:not-allowed}.wizard-field{margin-bottom:1.75rem}.wizard-field:last-child{margin-bottom:0}.wizard-field label{display:block;font-size:.875rem;font-weight:600;color:var(--color-text);margin-bottom:.625rem;font-family:var(--font-body)}.wizard-field input,.wizard-field select{width:100%;padding:.875rem 1.125rem;border:1.5px solid var(--color-border);border-radius:var(--radius-md);font-size:1rem;font-family:var(--font-body);color:var(--color-text);background:var(--color-bg-card);transition:all var(--transition-fast);box-shadow:var(--shadow-sm)}.wizard-field input::placeholder{color:var(--color-text-light)}.wizard-field input:hover,.wizard-field select:hover{border-color:var(--color-gray-300)}.wizard-field input:focus,.wizard-field select:focus{outline:none;border-color:var(--color-primary);box-shadow:var(--focus-ring),var(--shadow-sm)}.wizard-field-hint{font-size:.8rem;color:var(--color-text-muted);margin-top:.5rem;line-height:1.4}.wizard-field-row{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem}.wizard-field-prefix,.wizard-field-suffix{display:flex;align-items:stretch;border:1.5px solid var(--color-border);border-radius:var(--radius-md);overflow:hidden;transition:all var(--transition-fast);box-shadow:var(--shadow-sm);background:var(--color-bg-card)}.wizard-field-prefix:hover,.wizard-field-suffix:hover{border-color:var(--color-gray-300)}.wizard-field-prefix:focus-within,.wizard-field-suffix:focus-within{border-color:var(--color-primary);box-shadow:var(--focus-ring),var(--shadow-sm)}.wizard-field-prefix span,.wizard-field-suffix span{padding:.875rem 1rem;background:var(--color-bg-alt);color:var(--color-text-muted);font-size:1rem;font-weight:500;display:flex;align-items:center}.wizard-field-prefix span{border-right:1.5px solid var(--color-border)}.wizard-field-suffix span{border-left:1.5px solid var(--color-border)}.wizard-field-prefix input,.wizard-field-suffix input{flex:1;border:none;border-radius:0;box-shadow:none}.wizard-field-prefix input:focus,.wizard-field-suffix input:focus{box-shadow:none}.wizard-checkbox{display:flex;align-items:flex-start;gap:1rem;padding:1.25rem;background:var(--color-bg-card);border:1.5px solid var(--color-border);border-radius:var(--radius-lg);cursor:pointer;transition:all var(--transition-fast);box-shadow:var(--shadow-sm)}.wizard-checkbox:hover{border-color:var(--color-gray-300);background:var(--color-bg-alt)}.wizard-checkbox:has(input:checked){border-color:var(--color-primary);background:var(--color-primary-50)}.wizard-checkbox input[type=checkbox]{width:22px;height:22px;margin:0;flex-shrink:0;accent-color:var(--color-primary);cursor:pointer}.wizard-checkbox-content{flex:1}.wizard-checkbox-label{font-weight:600;color:var(--color-text);margin-bottom:.25rem;font-size:.95rem}.wizard-checkbox-hint{font-size:.8rem;color:var(--color-text-muted);line-height:1.4}.wizard-review{background:var(--color-bg-card);border:1.5px solid var(--color-border);border-radius:var(--radius-lg);padding:1.75rem;box-shadow:var(--shadow-md)}.wizard-review-section{margin-bottom:1.75rem}.wizard-review-section:last-child{margin-bottom:0}.wizard-review-title{font-family:var(--font-display);font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--color-primary);margin-bottom:.875rem}.wizard-review-row{display:flex;justify-content:space-between;align-items:center;padding:.625rem 0;border-bottom:1px solid var(--color-border-light)}.wizard-review-row:last-child{border-bottom:none}.wizard-review-label{color:var(--color-text-muted);font-size:.9rem}.wizard-review-value{font-weight:600;color:var(--color-text);font-size:.95rem}@media(max-width:768px){.wizard-progress{padding:1rem 1.25rem;gap:.25rem}.wizard-step-indicator{padding:.625rem .5rem;min-width:65px}.step-number{width:32px;height:32px;font-size:.8rem}.step-title{font-size:.65rem}.wizard-content{padding:1.75rem 1.25rem}.wizard-header h2{font-size:1.5rem}.wizard-nav{padding:1rem 1.25rem}.wizard-btn{padding:.75rem 1.25rem;min-width:90px}.wizard-field-row{grid-template-columns:1fr;gap:1rem}}@media(max-width:480px){.wizard:before,.wizard:after{display:none}.step-title{display:none}.wizard-step-indicator{min-width:44px}}.validation-context{margin-top:1.5rem;padding:1rem 1.25rem;border-radius:var(--radius-md, 12px);display:flex;align-items:center;gap:1rem}.validation-context.success{background:var(--color-sage-pale, #ecfccb);border:1px solid var(--color-sage, #65a30d)}.validation-context.warning{background:var(--color-warning-light, #fef9c3);border:1px solid var(--color-warning, #ca8a04)}.validation-rate{font-size:1.125rem;color:var(--color-text)}.validation-rate strong{font-weight:700}.validation-message{font-size:.875rem;color:var(--color-text-muted);flex:1}.simulation-progress{max-width:400px;margin:0 auto;padding:2rem}.progress-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:.75rem}.progress-label{font-size:.95rem;color:var(--color-text)}.progress-percent{font-size:.95rem;font-weight:600;color:var(--color-primary)}.progress-bar{height:8px;background:var(--color-gray-200);border-radius:4px;overflow:hidden}.progress-fill{height:100%;background:var(--color-primary);border-radius:4px;transition:width .3s ease}.progress-detail{margin-top:.5rem;font-size:.8rem;color:var(--color-text-muted);text-align:center}.simulator{min-height:100vh;background:var(--color-bg);position:relative}.simulator:before{content:"";position:fixed;top:0;left:0;width:100%;height:100%;pointer-events:none;opacity:.02;z-index:9999;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.8' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)'/%3E%3C/svg%3E")}.sim-header{display:flex;align-items:center;gap:2rem;padding:1.25rem 2rem;background:var(--color-bg-card);border-bottom:1px solid var(--color-border-light);box-shadow:var(--shadow-sm);position:relative;z-index:10}.sim-logo{display:flex;align-items:center;gap:.5rem;text-decoration:none;transition:opacity var(--transition-fast)}.sim-logo:hover{opacity:.8}.sim-logo img{height:32px;width:auto}.sim-title{font-family:var(--font-display);color:var(--color-text-muted);font-size:1rem;font-weight:400;letter-spacing:-.01em}.sim-nav-link{margin-left:auto;color:var(--color-primary);text-decoration:none;font-weight:500;font-size:.875rem;transition:opacity var(--transition-fast)}.sim-nav-link:hover{opacity:.8;text-decoration:underline}.sim-content{flex:1;min-height:calc(100vh - 72px);display:flex;flex-direction:column}.results-view{max-width:1280px;margin:0 auto;padding:2.5rem;animation:fadeIn .5s ease-out}@keyframes fadeIn{0%{opacity:0}to{opacity:1}}.back-to-wizard{display:inline-flex;align-items:center;gap:.625rem;padding:.625rem 1.25rem;background:var(--color-bg-card);border:1.5px solid var(--color-border);border-radius:var(--radius-md);font-size:.875rem;font-weight:500;font-family:var(--font-body);color:var(--color-text-muted);cursor:pointer;transition:all var(--transition-fast);margin-bottom:2rem;box-shadow:var(--shadow-sm)}.back-to-wizard:hover{background:var(--color-bg-alt);color:var(--color-text);border-color:var(--color-gray-300);transform:translate(-2px)}.back-to-wizard svg{width:18px;height:18px}.metrics-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem;margin-bottom:2.5rem}.metric-card{background:var(--gradient-card);border-radius:var(--radius-lg);padding:1.5rem;border:1.5px solid var(--color-border);box-shadow:var(--shadow-md);transition:all var(--transition-fast)}.metric-card:hover{transform:translateY(-2px);box-shadow:var(--shadow-lg)}.metric-card.primary{border-width:2px;position:relative;overflow:hidden}.metric-card.primary:before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:var(--gradient-golden)}.metric-label{font-family:var(--font-body);font-size:.7rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--color-text-muted);margin-bottom:.75rem}.metric-value{font-family:var(--font-display);font-size:2.25rem;font-weight:600;color:var(--color-text);line-height:1.1;margin-bottom:.375rem;letter-spacing:-.02em}.metric-desc{font-size:.8rem;color:var(--color-text-muted);line-height:1.4}.chart-container{background:var(--color-bg-card);border-radius:var(--radius-lg);padding:2rem;margin-bottom:2rem;border:1.5px solid var(--color-border);box-shadow:var(--shadow-md)}.chart-container h3{font-family:var(--font-display);font-size:1.125rem;font-weight:500;color:var(--color-text);margin:0 0 1.25rem;letter-spacing:-.01em}.summary-section{background:var(--color-bg-card);border-radius:var(--radius-lg);padding:2rem;margin-bottom:1.75rem;border:1.5px solid var(--color-border);box-shadow:var(--shadow-md)}.summary-section h3{font-family:var(--font-display);font-size:1.125rem;font-weight:500;color:var(--color-text);margin:0 0 1.25rem;letter-spacing:-.01em}.summary-table{width:100%;border-collapse:separate;border-spacing:0}.summary-table th,.summary-table td{padding:.875rem 1.25rem;text-align:left;border-bottom:1px solid var(--color-border-light)}.summary-table th{font-family:var(--font-body);font-size:.7rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--color-text-muted);background:var(--color-bg-alt)}.summary-table th:first-child{border-radius:var(--radius-sm) 0 0 0}.summary-table th:last-child{border-radius:0 var(--radius-sm) 0 0}.summary-table tr:last-child td{border-bottom:none}.summary-table tr.highlight{background:var(--color-gold-pale)}.summary-table tr.highlight td{font-weight:600;color:var(--color-text)}.summary-table td:first-child{font-weight:500}.summary-table td:nth-child(2){font-family:var(--font-display);font-weight:600;font-size:1.05rem}.tax-info{background:var(--color-bg-alt);border-radius:var(--radius-md);padding:1.25rem}.tax-row{display:flex;justify-content:space-between;align-items:center;padding:.625rem 0;border-bottom:1px solid var(--color-border-light)}.tax-row:last-child{border-bottom:none;font-weight:600;color:var(--color-text);padding-top:.875rem;margin-top:.25rem}.tax-row span:last-child{font-family:var(--font-display)}.tax-note{font-size:.8rem;color:var(--color-text-muted);margin:1.25rem 0 0;padding-top:1rem;border-top:1px solid var(--color-border-light);line-height:1.5}.error-banner{background:var(--color-danger-light);border:1.5px solid #fca5a5;color:#991b1b;padding:1.25rem 1.5rem;border-radius:var(--radius-md);margin-bottom:1.75rem;font-size:.9rem;line-height:1.5}.error-banner strong{font-weight:600}.warning-banner{background:var(--color-warning-light);border:1.5px solid #fde047;color:#854d0e;padding:1.25rem 1.5rem;border-radius:var(--radius-md);margin-top:1.75rem;font-size:.9rem;line-height:1.5}.warning-banner strong{font-weight:600}.annuity-comparison{border-color:var(--color-gold);border-width:2px;position:relative;overflow:hidden}.annuity-comparison:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--gradient-golden)}.comparison-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.25rem;margin-bottom:1.5rem}.comparison-card{background:var(--color-bg-alt);border-radius:var(--radius-md);padding:1.25rem;text-align:center;transition:all var(--transition-fast)}.comparison-card:hover{transform:translateY(-2px)}.comparison-card.highlight{background:var(--color-gold-pale);border:1.5px solid var(--color-gold)}.comparison-label{font-family:var(--font-body);font-size:.7rem;font-weight:600;text-transform:uppercase;letter-spacing:.08em;color:var(--color-text-muted);margin-bottom:.625rem}.comparison-value{font-family:var(--font-display);font-size:1.625rem;font-weight:600;color:var(--color-text);letter-spacing:-.02em}.comparison-desc{font-size:.8rem;color:var(--color-text-muted);margin-top:.375rem}.recommendation{background:var(--color-success-light);border:1.5px solid #86efac;border-radius:var(--radius-md);padding:1.25rem;color:#166534;font-size:.9rem;line-height:1.5}.recommendation strong{font-weight:600}.state-comparison{border-color:var(--color-sage);border-width:2px}.state-comparison .btn-secondary{background:var(--color-bg-card);color:var(--color-text);border:1.5px solid var(--color-border);padding:.75rem 1.5rem;border-radius:var(--radius-md);font-weight:500;cursor:pointer;transition:all var(--transition-fast)}.state-comparison .btn-secondary:hover{background:var(--color-bg-alt);border-color:var(--color-gold)}.section-desc{color:var(--color-text-muted);margin-bottom:1rem;font-size:.9rem}.state-table{width:100%;border-collapse:collapse;margin-top:1rem;font-size:.9rem}.state-table th,.state-table td{padding:.75rem 1rem;text-align:left;border-bottom:1px solid var(--color-border-light)}.state-table th{font-weight:600;color:var(--color-text-muted);font-size:.8rem;text-transform:uppercase;letter-spacing:.05em}.state-table tbody tr:hover{background:var(--color-bg-alt)}.state-table .current-state{background:var(--color-bg-alt);font-weight:500}.loading-indicator{color:var(--color-text-muted);font-style:italic;padding:1rem 0;display:flex;align-items:center;gap:.75rem}.spinner{width:20px;height:20px;border:2px solid var(--color-border);border-top-color:var(--color-gold);border-radius:50%;animation:spin .8s linear infinite}.state-picker{display:flex;flex-direction:column;gap:1rem}.state-picker-row{display:flex;gap:.5rem}.state-picker-divider{color:var(--color-text-muted);font-size:.85rem;text-align:center;position:relative}.state-picker-divider:before,.state-picker-divider:after{content:"";position:absolute;top:50%;width:30%;height:1px;background:var(--color-border-light)}.state-picker-divider:before{left:0}.state-picker-divider:after{right:0}.state-chips{display:flex;flex-wrap:wrap;gap:.5rem}.state-chip{padding:.375rem .75rem;border:1px solid var(--color-border);border-radius:var(--radius-full);background:var(--color-bg-card);color:var(--color-text);font-size:.8rem;cursor:pointer;transition:all var(--transition-fast)}.state-chip:hover:not(:disabled){border-color:var(--color-gold);background:var(--color-bg-alt)}.state-chip.selected{background:var(--color-gold);border-color:var(--color-gold);color:#fff;font-weight:500}.state-chip.no-tax{border-color:var(--color-sage)}.state-chip.no-tax:not(.selected):after{content:"*";color:var(--color-sage);margin-left:2px}.state-chip:disabled{opacity:.4;cursor:not-allowed}.state-comparison .btn-primary{background:var(--gradient-golden);color:#fff;border:none;padding:.75rem 1.5rem;border-radius:var(--radius-md);font-weight:500;cursor:pointer;transition:all var(--transition-fast);align-self:flex-start}.state-comparison .btn-primary:hover{transform:translateY(-1px);box-shadow:var(--shadow-md)}.next-steps{background:linear-gradient(135deg,var(--color-bg-card),var(--color-bg-alt))}.cta-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1rem;margin-bottom:1rem}.cta-card{display:flex;align-items:center;gap:1rem;padding:1rem 1.25rem;background:var(--color-bg-card);border:1px solid var(--color-border-light);border-radius:var(--radius-md);text-decoration:none;color:var(--color-text);transition:all var(--transition-fast)}.cta-card:hover{border-color:var(--color-gold);box-shadow:var(--shadow-sm);transform:translateY(-2px)}.cta-icon{font-size:1.5rem;flex-shrink:0}.cta-content{flex:1}.cta-title{font-weight:600;margin-bottom:.25rem}.cta-desc{font-size:.85rem;color:var(--color-text-muted);line-height:1.4}.cta-arrow{color:var(--color-gold);font-size:1.25rem;font-weight:600;transition:transform var(--transition-fast)}.cta-card:hover .cta-arrow{transform:translate(4px)}.cta-disclaimer{font-size:.75rem;color:var(--color-text-muted);text-align:center;margin:0;font-style:italic}.loading-state{display:flex;flex-direction:column;align-items:center;justify-content:center;min-height:60vh}.spinner{width:52px;height:52px;border:4px solid var(--color-border);border-top-color:var(--color-primary);border-radius:50%;animation:spin .8s linear infinite;margin-bottom:1.25rem}.loading-state p{color:var(--color-text-muted);font-size:.95rem}.empty-state{display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;min-height:60vh;color:var(--color-text-muted)}.empty-icon{width:88px;height:88px;background:var(--gradient-sunrise);border-radius:50%;display:flex;align-items:center;justify-content:center;margin-bottom:1.75rem;box-shadow:var(--shadow-md)}.empty-icon svg{width:44px;height:44px;color:var(--color-primary)}.empty-state h2{font-family:var(--font-display);font-size:1.625rem;font-weight:500;color:var(--color-text);margin:0 0 .625rem;letter-spacing:-.02em}.empty-state p{max-width:420px;line-height:1.6;margin:0}@media(max-width:1200px){.metrics-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:768px){.sim-header{padding:1rem 1.25rem}.results-view{padding:1.75rem 1.25rem}.metric-card{padding:1.25rem}.metric-value{font-size:1.75rem}.chart-container,.summary-section{padding:1.5rem}}@media(max-width:600px){.metrics-grid{grid-template-columns:1fr}.sim-header{gap:1rem}.sim-title{font-size:.875rem}}.success-interpretation{background:var(--color-bg-card, white);border:2px solid;border-radius:var(--radius-lg, 16px);padding:1.5rem;margin-bottom:2rem}.interpretation-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:.5rem}.interpretation-label{font-family:var(--font-display, Georgia, serif);font-size:1.5rem;font-weight:600}.interpretation-rate{font-size:1.125rem;font-weight:600}.interpretation-text{color:var(--color-text-muted);margin:0;font-size:1rem;line-height:1.6}.what-if-section{background:var(--color-bg-card, white);border-radius:var(--radius-lg, 16px);padding:1.5rem;margin-top:2rem;border:1px solid var(--color-border)}.what-if-section h3{font-size:1.125rem;font-weight:600;margin:0 0 .25rem;color:var(--color-text)}.what-if-description{color:var(--color-text-muted);margin:0 0 1.25rem;font-size:.95rem}.what-if-buttons{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:.75rem}.what-if-btn{display:flex;flex-direction:column;align-items:center;gap:.375rem;padding:1rem;background:var(--color-bg-alt);border:1px solid var(--color-border);border-radius:var(--radius-md, 12px);cursor:pointer;transition:all var(--transition-fast, .15s);text-align:center}.what-if-btn:hover{border-color:var(--color-primary);background:var(--color-primary-50, #fff7ed);transform:translateY(-2px);box-shadow:var(--shadow-md)}.what-if-icon{font-size:1.5rem}.what-if-label{font-weight:600;font-size:.9rem;color:var(--color-text)}.what-if-value{font-size:.8rem;color:var(--color-text-muted)}.results-view{max-width:1200px;padding:2rem}.back-to-wizard{display:inline-flex;align-items:center;gap:.5rem;padding:.5rem 1rem;background:transparent;border:1px solid var(--color-border);border-radius:var(--radius-md, 8px);color:var(--color-text-muted);font-size:.9rem;cursor:pointer;margin-bottom:1.5rem;transition:all var(--transition-fast, .15s)}.back-to-wizard:hover{background:var(--color-bg-alt);color:var(--color-text)}.back-to-wizard svg{width:16px;height:16px}@media(max-width:600px){.what-if-buttons{grid-template-columns:1fr 1fr}.interpretation-header{flex-direction:column;align-items:flex-start;gap:.25rem}}.persona-picker{max-width:900px;margin:0 auto;padding:2rem}.persona-header{text-align:center;margin-bottom:2.5rem}.persona-header h2{font-size:1.75rem;font-weight:700;color:var(--color-text);margin-bottom:.5rem}.persona-header p{color:var(--color-text-muted);font-size:1.1rem}.persona-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.25rem;margin-bottom:2rem}.persona-card{background:var(--color-bg-card);border:1px solid var(--color-border-light);border-radius:var(--radius-lg, 12px);padding:1.5rem;display:flex;flex-direction:column;gap:1rem;transition:all var(--transition-fast, .15s)}.persona-card:hover{border-color:var(--color-primary);box-shadow:var(--shadow-md);transform:translateY(-2px)}.persona-emoji{font-size:2.5rem;line-height:1}.persona-info h3{font-size:1.1rem;font-weight:600;color:var(--color-text);margin-bottom:.25rem}.persona-info p{font-size:.9rem;color:var(--color-text-muted);margin-bottom:.75rem}.persona-stats{display:flex;gap:1rem;font-size:.8rem;color:var(--color-text-muted)}.persona-stats span{background:var(--color-bg-alt);padding:.25rem .5rem;border-radius:var(--radius-sm, 4px)}.persona-actions{display:flex;gap:.75rem;margin-top:auto}.persona-btn-run{flex:1;padding:.75rem 1rem;background:var(--color-primary);color:#fff;border:none;border-radius:var(--radius-md, 8px);font-weight:600;font-size:.9rem;cursor:pointer;transition:all var(--transition-fast, .15s)}.persona-btn-run:hover:not(:disabled){background:var(--color-primary-dark);transform:translateY(-1px)}.persona-btn-run:disabled{opacity:.7;cursor:not-allowed}.persona-btn-customize{padding:.75rem 1rem;background:transparent;color:var(--color-text-muted);border:1px solid var(--color-border);border-radius:var(--radius-md, 8px);font-size:.85rem;cursor:pointer;transition:all var(--transition-fast, .15s)}.persona-btn-customize:hover{background:var(--color-bg-alt);color:var(--color-text);border-color:var(--color-text-muted)}.persona-divider{display:flex;align-items:center;gap:1rem;margin:2rem 0;color:var(--color-text-muted);font-size:.9rem}.persona-divider:before,.persona-divider:after{content:"";flex:1;height:1px;background:var(--color-border-light)}.persona-start-scratch{display:block;width:100%;padding:1rem;background:transparent;border:1px dashed var(--color-border);border-radius:var(--radius-md, 8px);color:var(--color-text-muted);font-size:1rem;cursor:pointer;transition:all var(--transition-fast, .15s)}.persona-start-scratch:hover{background:var(--color-bg-alt);border-color:var(--color-primary);color:var(--color-primary)}.persona-loading{margin-top:2rem;padding:1.5rem;background:var(--color-bg-card);border-radius:var(--radius-lg, 12px);border:1px solid var(--color-border-light)}@media(max-width:768px){.persona-grid{grid-template-columns:1fr}.persona-header h2{font-size:1.5rem}.persona-picker{padding:1rem}.persona-actions{flex-direction:column}.persona-btn-customize{text-align:center}}.ss-timing{margin-top:2rem}.ss-timing-inputs{display:flex;flex-direction:column;gap:1.5rem}.ss-timing-row{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}.ss-timing-results{margin-top:1rem}.ss-timing-summary{display:flex;flex-wrap:wrap;gap:1.5rem;margin-bottom:1.5rem;padding:1rem;background:var(--color-bg-alt);border-radius:var(--radius-md, 8px)}.ss-timing-fra,.ss-timing-optimal{display:flex;flex-direction:column;gap:.25rem}.ss-timing-fra .label,.ss-timing-optimal .label{font-size:.85rem;color:var(--color-text-muted)}.ss-timing-fra .value,.ss-timing-optimal .value{font-weight:600;font-size:1rem}.ss-timing-optimal .value.highlight{color:var(--color-primary)}.ss-timing-table{width:100%;border-collapse:collapse;margin-top:1rem;font-size:.9rem}.ss-timing-table th{background:var(--color-bg-alt);padding:.75rem;text-align:left;font-weight:600;border-bottom:2px solid var(--color-border)}.ss-timing-table td{padding:.75rem;border-bottom:1px solid var(--color-border-light)}.ss-timing-table tr.optimal{background:#d9770614}.ss-timing-table tr.fra{background:#3b82f60d}.fra-badge{display:inline-block;margin-left:.5rem;padding:.125rem .375rem;background:#3b82f6;color:#fff;font-size:.7rem;font-weight:600;border-radius:4px;text-transform:uppercase}.optimal-badge{display:inline-block;margin-left:.5rem;padding:.125rem .375rem;background:var(--color-primary);color:#fff;font-size:.7rem;font-weight:600;border-radius:4px;text-transform:uppercase}@media(max-width:768px){.ss-timing-row{grid-template-columns:1fr}.ss-timing-table{font-size:.8rem}.ss-timing-table th,.ss-timing-table td{padding:.5rem}.ss-timing-summary{flex-direction:column;gap:1rem}}.allocation-comparison{margin-top:2rem}.allocation-results{margin-top:1rem}.allocation-summary{display:flex;gap:2rem;margin-bottom:1.5rem;flex-wrap:wrap}.allocation-optimal{display:flex;flex-direction:column;gap:.25rem}.allocation-optimal-label{font-size:.875rem;color:#6b7280}.allocation-optimal-value{font-size:1.25rem;font-weight:600;color:#10b981}.allocation-table{width:100%;border-collapse:collapse;margin-bottom:1rem;font-size:.9rem}.allocation-table th{text-align:left;padding:.75rem;border-bottom:2px solid #e5e7eb;font-weight:600;color:#374151}.allocation-table td{padding:.75rem;border-bottom:1px solid #e5e7eb}.allocation-table tr.optimal-row{background-color:#ecfdf5}.allocation-table tr:hover{background-color:#f3f4f6}.allocation-recommendation{background-color:#f0fdf4;border:1px solid #86efac;border-radius:8px;padding:1rem;margin:1rem 0;font-size:.95rem;color:#166534}@media(max-width:768px){.allocation-table{font-size:.8rem}.allocation-table th,.allocation-table td{padding:.5rem}.allocation-summary{flex-direction:column;gap:1rem}}.year-breakdown details{width:100%}.year-breakdown summary{cursor:pointer;display:flex;align-items:center;gap:1rem;padding:.5rem 0;-webkit-user-select:none;user-select:none}.year-breakdown summary::-webkit-details-marker{display:none}.year-breakdown summary:before{content:"▶";font-size:.75rem;color:var(--color-primary);transition:transform .2s ease}.year-breakdown details[open] summary:before{transform:rotate(90deg)}.year-breakdown .expand-hint{font-size:.8rem;color:var(--color-text-muted);font-weight:400}.year-breakdown details[open] .expand-hint{display:none}.breakdown-table-wrapper{overflow-x:auto;margin-top:1rem;max-height:500px;overflow-y:auto}.breakdown-table{width:100%;border-collapse:collapse;font-size:.875rem}.breakdown-table th{background-color:var(--color-bg);position:sticky;top:0;z-index:1;padding:.75rem;text-align:left;font-weight:600;color:var(--color-text-secondary);border-bottom:2px solid var(--color-border);white-space:nowrap}.breakdown-table td{padding:.5rem .75rem;border-bottom:1px solid var(--color-border-light);white-space:nowrap}.breakdown-table tbody tr:hover{background-color:var(--color-bg)}.breakdown-table td[title]{cursor:help;text-decoration:underline dotted;text-underline-offset:2px;text-decoration-color:var(--color-text-muted)}@media(max-width:768px){.breakdown-table{font-size:.75rem}.breakdown-table th,.breakdown-table td{padding:.375rem .5rem}}.chart-hint{font-size:.8rem;color:var(--color-text-muted);margin:0 0 .5rem}.year-detail-panel{background:var(--color-bg-card);border:1px solid var(--color-border);border-radius:12px;padding:1.5rem;margin-top:1rem;box-shadow:var(--shadow-md)}.year-detail-header{display:flex;justify-content:space-between;align-items:center;margin-bottom:1.5rem}.year-detail-header h3{margin:0;font-size:1.25rem;color:var(--color-text)}.year-detail-header .close-btn{background:none;border:none;font-size:1.5rem;cursor:pointer;color:var(--color-text-muted);padding:.25rem .5rem;line-height:1;border-radius:4px;transition:background-color .2s,color .2s}.year-detail-header .close-btn:hover{background-color:var(--color-bg);color:var(--color-text)}.year-detail-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:1.5rem}.year-detail-section h4{margin:0 0 .75rem;font-size:.9rem;color:var(--color-text-secondary);font-weight:600;text-transform:uppercase;letter-spacing:.05em}.year-detail-section .detail-row{display:flex;justify-content:space-between;padding:.5rem 0;border-bottom:1px solid var(--color-border-light);font-size:.9rem}.year-detail-section .detail-row:last-child{border-bottom:none}.year-detail-section .detail-row.total{font-weight:600;padding-top:.75rem;margin-top:.25rem;border-top:2px solid var(--color-border)}.year-detail-section .detail-row span:first-child{color:var(--color-text-secondary)}.year-detail-section .detail-row span:last-child{font-weight:500;color:var(--color-text)}.year-nav{display:flex;justify-content:space-between;margin-top:1.5rem;padding-top:1rem;border-top:1px solid var(--color-border-light)}.year-nav button{background:var(--color-bg);border:1px solid var(--color-border);padding:.5rem 1rem;border-radius:6px;cursor:pointer;font-size:.875rem;color:var(--color-text-secondary);transition:all .2s}.year-nav button:hover:not(:disabled){background:var(--color-primary);color:#fff;border-color:var(--color-primary)}.year-nav button:disabled{opacity:.5;cursor:not-allowed}@media(max-width:768px){.year-detail-grid{grid-template-columns:1fr}.year-detail-panel{padding:1rem}.year-nav{flex-direction:column;gap:.5rem}.year-nav button{width:100%}}.life-event-page{min-height:100vh;background:var(--color-gray-50, #f8fafc)}.page-header{display:flex;align-items:center;gap:1rem;padding:1rem 2rem;background:#fff;border-bottom:1px solid var(--color-gray-200, #e2e8f0)}.page-header .logo{display:flex;align-items:center}.page-header .page-title{font-weight:600;color:var(--color-gray-900, #0f172a);margin-left:.5rem;padding-left:.75rem;border-left:1px solid var(--color-gray-200, #e2e8f0)}.page-header .nav-link{margin-left:auto;color:var(--color-primary, #d97706);text-decoration:none;font-weight:500;font-size:.875rem}.page-header .nav-link:hover{text-decoration:underline}.page-content{max-width:900px;margin:0 auto;padding:2rem}.life-event-setup{display:flex;flex-direction:column;gap:2rem}.setup-section{background:#fff;border-radius:12px;padding:1.5rem;box-shadow:0 1px 3px #0000001a}.setup-section h2{margin:0 0 .25rem;font-size:1.25rem;color:var(--color-gray-900, #0f172a)}.setup-subtitle{margin:0 0 1.5rem;color:var(--color-gray-600, #475569);font-size:.875rem}.setup-form{display:flex;flex-direction:column;gap:1rem}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.form-field{display:flex;flex-direction:column;gap:.5rem}.form-field label{font-size:.875rem;font-weight:500;color:var(--color-gray-700, #334155)}.form-field input,.form-field select{padding:.625rem .75rem;border:1px solid var(--color-gray-300, #cbd5e1);border-radius:8px;font-size:1rem;transition:border-color .15s,box-shadow .15s}.form-field input:focus,.form-field select:focus{outline:none;border-color:var(--color-primary, #d97706);box-shadow:0 0 0 3px #d977061a}.input-prefix{display:flex;align-items:center;gap:.5rem}.input-prefix span{color:var(--color-gray-500, #64748b);font-size:1rem}.input-prefix input{flex:1}.btn-calculate{margin-top:.5rem;padding:.75rem 1.5rem;background:var(--color-primary, #d97706);color:#fff;border:none;border-radius:8px;font-size:1rem;font-weight:500;cursor:pointer;transition:background .15s}.btn-calculate:hover:not(:disabled){background:var(--color-primary-dark, #b45309)}.btn-calculate:disabled{opacity:.6;cursor:not-allowed}.current-summary{margin-top:1.5rem;padding-top:1.5rem;border-top:1px solid var(--color-gray-200, #e2e8f0)}.current-summary h3{margin:0 0 1rem;font-size:1rem;color:var(--color-gray-900, #0f172a)}.summary-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.summary-item{display:flex;flex-direction:column;gap:.25rem;padding:.75rem;background:var(--color-gray-50, #f8fafc);border-radius:8px}.summary-item.highlight{background:var(--color-primary-light, #fef3c7)}.summary-label{font-size:.75rem;color:var(--color-gray-600, #475569);text-transform:uppercase;letter-spacing:.025em}.summary-value{font-size:1.125rem;font-weight:600;color:var(--color-gray-900, #0f172a)}.scenario-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}.scenario-card{display:flex;flex-direction:column;align-items:center;gap:.5rem;padding:1.25rem;background:var(--color-gray-50, #f8fafc);border:2px solid transparent;border-radius:12px;cursor:pointer;transition:all .15s;text-align:center}.scenario-card:hover:not(:disabled){border-color:var(--color-primary, #d97706);background:#fff}.scenario-card:disabled{opacity:.6;cursor:not-allowed}.scenario-emoji{font-size:2rem}.scenario-name{font-weight:600;color:var(--color-gray-900, #0f172a)}.scenario-desc{font-size:.75rem;color:var(--color-gray-600, #475569)}.life-event-results{display:flex;flex-direction:column;gap:1.5rem}.back-button{display:inline-flex;align-items:center;gap:.5rem;padding:.5rem .75rem;background:transparent;border:1px solid var(--color-gray-300, #cbd5e1);border-radius:6px;color:var(--color-gray-700, #334155);font-size:.875rem;cursor:pointer;width:fit-content;transition:all .15s}.back-button:hover{background:var(--color-gray-100, #f1f5f9)}.back-button svg{width:16px;height:16px}.results-header{text-align:center;padding:1rem}.results-emoji{font-size:3rem;display:block;margin-bottom:.5rem}.results-header h2{margin:0 0 .5rem;font-size:1.5rem;color:var(--color-gray-900, #0f172a)}.results-header p{margin:0;color:var(--color-gray-600, #475569)}.impact-banner{text-align:center;padding:1.5rem;border-radius:12px}.impact-banner.positive{background:linear-gradient(135deg,#dcfce7,#bbf7d0);border:1px solid #86efac}.impact-banner.negative{background:linear-gradient(135deg,#fee2e2,#fecaca);border:1px solid #fca5a5}.impact-label{font-size:.875rem;font-weight:500;text-transform:uppercase;letter-spacing:.05em;margin-bottom:.5rem}.impact-banner.positive .impact-label{color:#166534}.impact-banner.negative .impact-label{color:#991b1b}.impact-value{font-size:2rem;font-weight:700}.impact-banner.positive .impact-value{color:#15803d}.impact-banner.negative .impact-value{color:#dc2626}.impact-direction{font-size:1rem;font-weight:500;opacity:.8}.comparison-table-container{background:#fff;border-radius:12px;padding:1.5rem;box-shadow:0 1px 3px #0000001a;overflow-x:auto}.comparison-table{width:100%;border-collapse:collapse}.comparison-table th,.comparison-table td{padding:.75rem 1rem;text-align:right}.comparison-table th:first-child,.comparison-table td:first-child{text-align:left}.comparison-table th{font-size:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--color-gray-500, #64748b);border-bottom:2px solid var(--color-gray-200, #e2e8f0)}.comparison-table td{border-bottom:1px solid var(--color-gray-100, #f1f5f9);color:var(--color-gray-700, #334155)}.comparison-table .row-label{font-weight:500;color:var(--color-gray-900, #0f172a)}.comparison-table .total-row td{font-weight:600;border-top:2px solid var(--color-gray-200, #e2e8f0);border-bottom:2px solid var(--color-gray-200, #e2e8f0)}.comparison-table .net-row td{font-weight:700;font-size:1.125rem;background:var(--color-gray-50, #f8fafc)}.comparison-table td.positive{color:#16a34a}.comparison-table td.negative{color:#dc2626}.benefits-section,.rates-section{background:#fff;border-radius:12px;padding:1.5rem;box-shadow:0 1px 3px #0000001a}.benefits-section h3,.rates-section h3{margin:0 0 1rem;font-size:1rem;color:var(--color-gray-900, #0f172a)}.benefits-grid{display:flex;flex-direction:column;gap:.5rem}.benefit-item{display:grid;grid-template-columns:1.5fr 1fr auto 1fr 1fr;align-items:center;gap:.5rem;padding:.5rem 0;border-bottom:1px solid var(--color-gray-100, #f1f5f9)}.benefit-item:last-child{border-bottom:none}.benefit-name{font-weight:500;text-transform:capitalize;color:var(--color-gray-900, #0f172a)}.benefit-before,.benefit-after{text-align:right;color:var(--color-gray-700, #334155)}.benefit-arrow{color:var(--color-gray-400, #94a3b8);text-align:center}.benefit-change{text-align:right;font-weight:500}.benefit-change.positive{color:#16a34a}.benefit-change.negative{color:#dc2626}.rates-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}.rate-item{padding:1rem;background:var(--color-gray-50, #f8fafc);border-radius:8px}.rate-label{display:block;font-size:.75rem;font-weight:500;text-transform:uppercase;letter-spacing:.05em;color:var(--color-gray-600, #475569);margin-bottom:.5rem}.rate-comparison{display:flex;align-items:center;gap:.5rem;font-size:1.25rem;font-weight:600;color:var(--color-gray-900, #0f172a)}.rate-arrow{color:var(--color-gray-400, #94a3b8)}.try-another{background:#fff;border-radius:12px;padding:1.5rem;box-shadow:0 1px 3px #0000001a}.try-another h3{margin:0 0 1rem;font-size:1rem;color:var(--color-gray-900, #0f172a)}.scenario-buttons{display:flex;flex-wrap:wrap;gap:.75rem}.scenario-btn{display:flex;align-items:center;gap:.5rem;padding:.625rem 1rem;background:var(--color-gray-100, #f1f5f9);border:1px solid var(--color-gray-200, #e2e8f0);border-radius:8px;font-size:.875rem;cursor:pointer;transition:all .15s}.scenario-btn:hover:not(:disabled){background:var(--color-primary-light, #fef3c7);border-color:var(--color-primary, #d97706)}.scenario-btn:disabled{opacity:.6;cursor:not-allowed}.disclaimer{text-align:center;font-size:.75rem;color:var(--color-gray-500, #64748b);margin-top:1rem}.error-banner{padding:1rem;background:#fee2e2;border:1px solid #fca5a5;border-radius:8px;color:#991b1b}.loading-overlay{position:fixed;inset:0;background:#ffffffe6;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:1rem;z-index:100}.loading-spinner{width:40px;height:40px;border:3px solid var(--color-gray-200, #e2e8f0);border-top-color:var(--color-primary, #d97706);border-radius:50%;animation:spin 1s linear infinite}@keyframes spin{to{transform:rotate(360deg)}}@media(max-width:640px){.page-content{padding:1rem}.form-row,.summary-grid,.scenario-grid,.rates-grid{grid-template-columns:1fr}.benefit-item{grid-template-columns:1fr 1fr;row-gap:.25rem}.benefit-name{grid-column:span 2}.benefit-arrow{display:none}}
