/* IRMAA Calculator — single stylesheet. System fonts = zero font CLS. */
:root{
  --ink:#11181c; --ink2:#3d4a52; --ink3:#6b7780;
  --line:#e4e8eb; --bg:#ffffff; --bg2:#f6f8f9; --bg3:#eef2f4;
  --blue:#0a5ad6; --blue-d:#0847a8;
  --green:#1c8a4d; --green-bg:#e8f6ee;
  --amber:#b5650a; --amber-bg:#fdf3e3;
  --shadow:0 1px 2px rgba(16,24,28,.06),0 2px 8px rgba(16,24,28,.05);
  --radius:12px; --maxw:880px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 18px}

/* header */
.site-head{border-bottom:1px solid var(--line);background:var(--bg);position:sticky;top:0;z-index:50}
.site-head .wrap{display:flex;align-items:center;gap:16px;height:60px}
.logo{font-weight:800;font-size:18px;letter-spacing:-.3px;color:var(--ink);text-decoration:none;display:flex;align-items:center;gap:8px}
.logo .b{background:var(--blue);color:#fff;border-radius:6px;padding:2px 7px;font-size:15px}
.nav{margin-left:auto;display:flex;gap:4px;align-items:center;flex-wrap:wrap}
.nav a{color:var(--ink2);text-decoration:none;font-size:14px;font-weight:600;padding:7px 10px;border-radius:7px}
.nav a:hover{background:var(--bg3);color:var(--ink)}
.lang{font-size:13px;border:1px solid var(--line);border-radius:7px;padding:6px 9px;color:var(--ink2);text-decoration:none;font-weight:600}

/* hero */
.hero{padding:34px 0 8px}
.hero h1{font-size:32px;line-height:1.18;letter-spacing:-.5px;margin:0 0 10px;font-weight:800}
.hero p.lede{font-size:18px;color:var(--ink2);margin:0 0 4px;max-width:680px}
.upd{font-size:13px;color:var(--ink3);margin-top:8px}

/* calculator card */
.calc{background:var(--bg2);border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin:22px 0;box-shadow:var(--shadow)}
.calc h2{margin:0 0 16px;font-size:20px}
.field{margin-bottom:16px}
.field label{display:block;font-weight:700;font-size:14px;margin-bottom:6px}
.field .hint{font-weight:400;color:var(--ink3);font-size:13px}
.field input,.field select{width:100%;font-size:17px;padding:13px 14px;border:1.5px solid #cdd5da;border-radius:9px;background:#fff;color:var(--ink);font-family:inherit}
.field input:focus,.field select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(10,90,214,.15)}
.input-money{position:relative}
.input-money input{padding-left:30px}
.input-money::before{content:"$";position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--ink3);font-size:17px;pointer-events:none}
.btn{appearance:none;border:0;background:var(--blue);color:#fff;font-size:17px;font-weight:700;padding:14px 22px;border-radius:9px;cursor:pointer;width:100%;font-family:inherit;transition:background .12s}
.btn:hover{background:var(--blue-d)}

/* results */
#result{margin-top:8px}
.verdict{display:flex;gap:14px;align-items:flex-start;padding:16px 18px;border-radius:10px;margin-bottom:18px}
.verdict h3{margin:0 0 3px;font-size:18px}
.verdict p{margin:0;font-size:15px;color:var(--ink2)}
.verdict-ic{flex:0 0 34px;width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:18px;color:#fff}
.verdict.ok{background:var(--green-bg)}
.verdict.ok .verdict-ic{background:var(--green)}
.verdict.warn{background:var(--amber-bg)}
.verdict.warn .verdict-ic{background:var(--amber)}

.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-bottom:20px}
.numcard{background:#fff;border:1px solid var(--line);border-radius:10px;padding:13px 14px;display:flex;flex-direction:column;gap:3px}
.nc-label{font-size:12px;color:var(--ink3);font-weight:600;text-transform:uppercase;letter-spacing:.3px}
.nc-big{font-size:22px;font-weight:800;letter-spacing:-.4px}
.nc-sub{font-size:12px;color:var(--ink3)}

.cliff-wrap{background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px 16px 10px;margin-bottom:18px}
.cliff-h{margin:0 0 6px;font-size:16px}
.cliff-svg{width:100%;height:auto;display:block}
.cliff-tick{font-size:11px;fill:var(--ink3);font-family:inherit}
.cliff-you{font-size:12px;fill:#111;font-weight:700;font-family:inherit}
.cliff-callout{margin:8px 2px 4px;font-size:15px;color:var(--ink);background:var(--bg3);padding:11px 13px;border-radius:8px}
.cliff-callout.top{background:var(--green-bg)}
.result-note{font-size:13px;color:var(--ink3);margin:6px 2px 0}

/* prose content */
.prose{padding:8px 0 10px}
.prose h2{font-size:23px;margin:30px 0 10px;letter-spacing:-.3px}
.prose h3{font-size:18px;margin:22px 0 6px}
.prose p,.prose li{font-size:16.5px;color:var(--ink2)}
.prose ul{padding-left:20px}
.prose a{color:var(--blue);text-decoration:underline}
.prose table{width:100%;border-collapse:collapse;margin:16px 0;font-size:14.5px}
.prose th,.prose td{border:1px solid var(--line);padding:9px 11px;text-align:left}
.prose th{background:var(--bg3);font-size:13px}
.prose td:nth-child(n+3){text-align:right;font-variant-numeric:tabular-nums}

/* FAQ */
.faq details{border:1px solid var(--line);border-radius:9px;margin-bottom:8px;background:var(--bg2)}
.faq summary{cursor:pointer;padding:13px 15px;font-weight:700;font-size:16px;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--ink3);font-weight:800}
.faq details[open] summary::after{content:"−"}
.faq details p{padding:0 15px 14px;margin:0;color:var(--ink2);font-size:15.5px}

/* AD SLOTS — reserved height to guarantee ZERO layout shift (AdSense best practice).
   The min-height holds space before the ad loads. Replace inner markup with the
   AdSense <ins> unit; keep the wrapper + min-height. */
.ad{display:block;margin:22px auto;text-align:center;background:var(--bg2);border:1px dashed var(--line);
  border-radius:8px;overflow:hidden;color:var(--ink3);font-size:12px}
.ad::before{content:"Advertisement";display:block;font-size:10px;letter-spacing:.5px;text-transform:uppercase;color:#aab3b8;padding-top:6px}
.ad-leaderboard{min-height:114px}          /* 728x90 + label */
.ad-rect{min-height:280px;max-width:336px}  /* 300x250/336x280 */
.ad-inline{min-height:128px}

/* footer */
.site-foot{border-top:1px solid var(--line);margin-top:36px;padding:24px 0 40px;background:var(--bg2)}
.site-foot .wrap{display:flex;flex-wrap:wrap;gap:8px 18px;align-items:center}
.site-foot a{color:var(--ink2);text-decoration:none;font-size:14px;font-weight:600}
.site-foot a:hover{color:var(--ink);text-decoration:underline}
.site-foot .copy{flex-basis:100%;color:var(--ink3);font-size:13px;margin-top:10px;line-height:1.5}

/* disclaimer banner */
.disc{background:#fff7ed;border:1px solid #f5d9b0;border-radius:9px;padding:11px 14px;font-size:13.5px;color:#7a4a08;margin:18px 0}

@media (max-width:680px){
  .hero h1{font-size:26px}
  .cards{grid-template-columns:repeat(2,1fr)}
  .nav a:not(.lang){display:none}
}