:root {
  --paper: #F5F5F1;
  --ink: #1E2321;
  --ink-muted: #5B635E;
  --rule: #D9D6CC;
  --navy: #22405C;
  --navy-deep: #16293B;
  --teal: #2F6F5E;
  --rust: #B5652E;
  --gold: #A98229;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: 'Inter', sans-serif;
}

.wrap { max-width: 1100px; margin: 0 auto; padding: 36px 24px 80px; }

.eyebrow {
  font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--ink-muted); margin-bottom: 6px;
}
h1 {
  font-family: 'Fraunces', serif; font-weight: 500; font-size: 34px;
  margin: 0; color: var(--navy-deep);
}
.subhead { color: var(--ink-muted); max-width: 640px; font-size: 15px; margin-top: 8px; }

.layout { display: grid; grid-template-columns: 360px 1fr; gap: 32px; margin-top: 28px; }
@media (max-width: 860px) { .layout { grid-template-columns: 1fr; } }

.form-panel {
  background: #fff; border: 1px solid var(--rule); border-radius: 10px; padding: 20px 22px;
}

.section { border-bottom: 1px solid var(--rule); padding: 18px 0; }
.section:last-of-type { border-bottom: none; }
.section-toggle {
  display: flex; justify-content: space-between; align-items: center; width: 100%;
  background: none; border: none; cursor: pointer; padding: 0;
}
.section-title { font-family: 'Fraunces', serif; font-size: 19px; color: var(--ink); }
.chevron { color: var(--ink-muted); font-size: 11px; }
.section-body { margin-top: 16px; }

.person-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }

.field { display: block; margin-bottom: 12px; }
.field-label { font-size: 12px; color: var(--ink-muted); margin-bottom: 4px; }
.field-hint { opacity: 0.65; }
.field-input-wrap { position: relative; }
.field-input-wrap input, .select-input {
  width: 100%; padding: 9px 11px; border-radius: 6px; border: 1px solid var(--rule);
  background: #fff; font: 14px/1.3 'IBM Plex Mono', monospace; color: var(--ink);
}
/* Native number spinners overlap the /mo, /yr, $ suffix labels - remove them */
input[type="number"]::-webkit-outer-spin-button,
input[type="number"]::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}
input[type="number"] {
  -moz-appearance: textfield;
}
.select-input { display: block; width: 100%; }
.field-suffix {
  position: absolute; right: 10px; top: 8px; font-size: 12px; color: var(--ink-muted);
}
input:focus, .select-input:focus, button:focus-visible {
  outline: 2px solid var(--navy); outline-offset: 1px;
}

.run-btn {
  width: 100%; margin-top: 8px; padding: 13px 0; border-radius: 7px; border: none;
  background: var(--navy); color: #fff; font-size: 15px; font-weight: 600; cursor: pointer;
  font-family: 'Inter', sans-serif;
}
.run-btn:hover { background: var(--navy-deep); }

.empty-state {
  border: 1px dashed var(--rule); border-radius: 10px; padding: 60px; text-align: center;
  color: var(--ink-muted); font-family: 'Fraunces', serif; font-size: 17px;
}

.banner {
  background: var(--navy-deep); color: #fff; border-radius: 10px; padding: 20px 24px; margin-bottom: 20px;
}
.banner-head { display: flex; align-items: center; gap: 8px; margin-bottom: 10px; }
.badge-check { color: #7FD9BE; font-weight: 700; }
.banner-title { font-family: 'Fraunces', serif; font-size: 19px; }
.banner-list { margin: 0; padding-left: 20px; font-size: 14px; line-height: 1.7; }
.banner-list li { color: rgba(255,255,255,0.92); }
.reason-warning { color: #F4C77B !important; }

.tabs { display: flex; gap: 8px; margin-bottom: 16px; }
.tab {
  flex: 1; padding: 12px 10px; border-radius: 8px; cursor: pointer; text-align: left;
  border: 1px solid var(--rule); background: #fff;
}
.tab--active { border-width: 2px; }
.tab-title { font-family: 'Fraunces', serif; font-size: 15px; color: var(--ink); }
.tab-sub { font-size: 12px; color: var(--ink-muted); margin-top: 3px; }

.stat-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 20px; }
@media (max-width: 700px) { .stat-grid { grid-template-columns: repeat(2, 1fr); } }
.stat-card { background: #fff; border: 1px solid var(--rule); border-radius: 10px; padding: 14px 16px; }
.stat-card--highlight { background: var(--navy); color: #fff; border: none; }
.stat-label { font-size: 11px; text-transform: uppercase; letter-spacing: 0.04em; opacity: 0.75; margin-bottom: 6px; }
.stat-value { font-family: 'IBM Plex Mono', monospace; font-size: 19px; font-weight: 500; }

.card { background: #fff; border: 1px solid var(--rule); border-radius: 10px; padding: 18px 20px; margin-bottom: 20px; }
.card-title { font-family: 'Fraunces', serif; font-size: 15px; margin-bottom: 12px; }
.chart-title { font-family: 'Fraunces', serif; font-size: 15px; margin-bottom: 12px; }

.table-scroll { overflow-x: auto; }
table.ledger { width: 100%; border-collapse: collapse; font-family: 'IBM Plex Mono', monospace; font-size: 12.5px; }
table.ledger th {
  padding: 6px 8px; text-align: right; color: var(--ink-muted); font-weight: 500;
  border-bottom: 1px solid var(--rule);
}
table.ledger th:first-child, table.ledger th:nth-child(2) { text-align: left; }
table.ledger td { padding: 5px 8px; border-bottom: 1px solid #EFEDE6; }
table.ledger td.num { text-align: right; }
table.ledger td.num--strong { font-weight: 500; }
table.ledger tr.row-over-cliff { background: rgba(181, 101, 46, 0.06); }

.assumptions { margin-top: 32px; }
.assumptions-toggle {
  display: flex; align-items: center; gap: 6px; background: none; border: none;
  cursor: pointer; color: var(--ink-muted); font-size: 13px; padding: 0;
}
.assumptions-list { font-size: 13px; color: var(--ink-muted); line-height: 1.8; margin-top: 10px; padding-left: 18px; }

.beta-text {
  color: #d32f2f; /* Deep red color */
  font-weight: 500; /* Extra bold text */
  font-size: 1.1em; /* 30% larger than the surrounding H1 text */
  text-transform: uppercase; /* Forces uppercase lettering */
  margin-left: 10px; /* Adds space before the tag */
  display: inline-block; /* Prevents text formatting bugs */
}