/* ===========================================================
   Insurance Life Galaxy — shared calculator design system
   Same tokens/components as index.html + coverage-gap-analyzer.html
   =========================================================== */
:root{
  --ink:#16231a;
  --ink-soft:#1e2e22;
  --ivory:#f6f2e8;
  --ivory-2:#efe9db;
  --card:#ffffff;
  --gold:#bd8a4e;
  --gold-dark:#9c7139;
  --line:#e4ddc9;
  --text-muted:#5c6559;
  --text-onink:#eef0e6;
  --text-onink-muted:#a9b3a2;
  --radius:16px;
  --serif: "Fraunces", Georgia, serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --mono: "JetBrains Mono", ui-monospace, SFMono-Regular, monospace;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{margin:0;background:var(--ivory);color:var(--ink);font-family:var(--sans);line-height:1.55;-webkit-font-smoothing:antialiased;}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
.wrap{max-width:1240px;margin:0 auto;padding:0 32px;}
.eyebrow{font-family:var(--mono);font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-dark);font-weight:500;}
.eyebrow.onink{color:#d9b787;}
h1,h2,h3{font-family:var(--serif);font-weight:600;margin:0;letter-spacing:-.01em;}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:10px;font-weight:600;font-size:15px;font-family:var(--sans);cursor:pointer;border:1px solid transparent;transition:transform .15s ease, box-shadow .15s ease;}
.btn:hover{transform:translateY(-1px);}
.btn-gold{background:var(--gold);color:#1c1408;}
.btn-gold:hover{background:var(--gold-dark);}
.btn-ghost{background:transparent;border-color:var(--ink);color:var(--ink);}
.btn-ghost:hover{background:var(--ink);color:var(--ivory);}
.btn-dark{background:var(--ink);color:var(--ivory);}
.btn-dark:hover{background:var(--ink-soft);}
.btn-outline{background:var(--card);border-color:var(--line);color:var(--ink);}
.btn-outline:hover{border-color:var(--ink);}
.btn:disabled{opacity:.45;cursor:not-allowed;transform:none;}
.btn:focus-visible, a:focus-visible, input:focus-visible, select:focus-visible, [tabindex]:focus-visible{outline:2px solid var(--gold-dark);outline-offset:2px;}
.skip-link{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:100;}
.skip-link:focus{left:12px;top:12px;}

/* Header (shared across all pages) */
header{position:sticky;top:0;z-index:50;background:rgba(246,242,232,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);}
.nav{display:flex;align-items:center;justify-content:space-between;padding:16px 32px;max-width:1240px;margin:0 auto;}
.brand{display:flex;align-items:center;gap:12px;}
.brand .mark{width:38px;height:38px;background:var(--ink);color:var(--ivory);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:700;font-size:15px;border-radius:8px;}
.brand .name{font-family:var(--serif);font-weight:600;font-size:19px;}
.brand .tag{font-family:var(--mono);font-size:10px;letter-spacing:.08em;color:var(--text-muted);text-transform:uppercase;display:block;margin-top:1px;}
.navlinks{display:flex;gap:30px;font-size:14.5px;font-weight:500;}
.navlinks a{color:var(--ink-soft);opacity:.8;}
.navlinks a:hover{opacity:1;}
.navlinks a.active{opacity:1;color:var(--gold-dark);}
.navctas{display:flex;gap:10px;align-items:center;}
.navctas .btn{padding:11px 18px;font-size:14px;}
.hamburger{display:none;background:none;border:none;cursor:pointer;padding:8px;}
.hamburger span{display:block;width:22px;height:2px;background:var(--ink);margin:5px 0;}

/* Page header */
.breadcrumb{font-size:13px;color:var(--text-muted);margin-bottom:18px;}
.breadcrumb a{opacity:.75;} .breadcrumb a:hover{opacity:1;}
.page-head{padding:44px 0 8px;}
.page-head h1{font-size:clamp(30px,3.6vw,42px);line-height:1.1;margin-bottom:14px;}
.page-head p.lede{color:var(--text-muted);font-size:16.5px;max-width:680px;}

/* Calculator layout */
.calc-section{padding:36px 0 20px;}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start;}
.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:30px;}
.panel h2{font-size:19px;margin-bottom:22px;font-family:var(--sans);font-weight:700;}

.field{margin-bottom:22px;}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.field label{display:flex;justify-content:space-between;align-items:baseline;font-size:14px;font-weight:600;margin-bottom:8px;}
.field label .val{font-family:var(--mono);font-weight:500;color:var(--gold-dark);font-size:14px;}
.field .hint{font-size:12px;color:var(--text-muted);margin-top:6px;}
.field input[type="number"],
.field select{width:100%;padding:11px 13px;border:1px solid var(--line);border-radius:9px;font-family:var(--mono);font-size:14.5px;background:var(--ivory);color:var(--ink);}
.field select{font-family:var(--sans);appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--text-muted) 50%),linear-gradient(135deg,var(--text-muted) 50%,transparent 50%);background-position:calc(100% - 20px) center,calc(100% - 15px) center;background-size:5px 5px,5px 5px;background-repeat:no-repeat;}
.field input[type="number"]:focus,
.field select:focus{border-color:var(--gold-dark);outline:none;background-color:#fff;}
.field .radio-group{display:flex;gap:10px;flex-wrap:wrap;}
.field .radio-pill{position:relative;}
.field .radio-pill input{position:absolute;opacity:0;inset:0;cursor:pointer;}
.field .radio-pill label{display:block;margin:0;padding:10px 16px;border:1px solid var(--line);border-radius:9px;font-size:13.5px;font-weight:600;background:var(--ivory);cursor:pointer;transition:border-color .15s ease, background .15s ease;}
.field .radio-pill input:checked + label{border-color:var(--gold);background:var(--ivory-2);color:var(--gold-dark);}
.field .radio-pill input:focus-visible + label{outline:2px solid var(--gold-dark);outline-offset:2px;}
.field input[type="range"]{-webkit-appearance:none;width:100%;height:5px;border-radius:4px;background:var(--line);outline:none;margin-top:4px;}
.field input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:var(--gold);border:3px solid var(--card);box-shadow:0 1px 4px rgba(0,0,0,.25);cursor:pointer;}
.field input[type="range"]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--gold);border:3px solid var(--card);box-shadow:0 1px 4px rgba(0,0,0,.25);cursor:pointer;}
.field.error input,.field.error select{border-color:#b3432f;background:#fbf1ee;}
.field .error-msg{display:none;color:#b3432f;font-size:12.5px;margin-top:6px;font-weight:500;}
.field.error .error-msg{display:block;}

.form-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:6px;}
.form-actions .btn{padding:12px 20px;font-size:14px;}

/* Result panel */
.result-card{background:var(--ink);color:var(--text-onink);border-radius:var(--radius);padding:30px;position:sticky;top:96px;}
.result-card .eyebrow.onink{margin-bottom:8px;}
.result-headline{font-family:var(--serif);font-size:clamp(34px,4vw,46px);color:#fff;font-weight:600;margin-bottom:6px;line-height:1;}
.result-sub{font-size:13px;color:var(--text-onink-muted);margin-bottom:24px;}
.result-status{display:inline-block;padding:6px 14px;border-radius:20px;background:rgba(189,138,78,.18);color:#e3b878;font-family:var(--mono);font-size:12.5px;margin-bottom:24px;}
.result-status.ok{background:rgba(122,168,116,.18);color:#9bd08f;}

.compare-bars .bar-row{margin-bottom:16px;}
.bar-label-row{display:flex;justify-content:space-between;font-size:12.5px;color:var(--text-onink-muted);margin-bottom:7px;font-family:var(--mono);text-transform:uppercase;letter-spacing:.04em;}
.bar-label-row .amt{color:#fff;font-weight:500;}
.bar-track{height:11px;background:rgba(255,255,255,.12);border-radius:6px;overflow:hidden;}
.bar-fill{height:100%;border-radius:6px;transition:width .3s ease;}
.bar-fill.req,.bar-fill.primary{background:#fff;}
.bar-fill.exist,.bar-fill.secondary{background:var(--gold);}

.breakdown{margin-top:26px;padding-top:22px;border-top:1px solid rgba(255,255,255,.12);}
.breakdown-row{display:flex;justify-content:space-between;font-size:13.5px;padding:8px 0;color:#c7cfc0;}
.breakdown-row.total{border-top:1px solid rgba(255,255,255,.14);margin-top:6px;padding-top:14px;font-weight:600;color:#fff;font-size:14.5px;}
.breakdown-row .amt{font-family:var(--mono);}
.breakdown-row .amt.neg{color:#e3b878;}

.result-actions{display:flex;gap:10px;margin-top:24px;flex-wrap:wrap;}
.result-actions .btn{padding:11px 16px;font-size:13.5px;}
.btn-onink{background:transparent;border-color:rgba(255,255,255,.3);color:#fff;}
.btn-onink:hover{background:rgba(255,255,255,.08);}
.copy-confirm{font-size:12.5px;color:#9bd08f;margin-top:10px;display:none;}
.copy-confirm.show{display:block;}

/* Range result (lower/recommended/upper) */
.range-track{position:relative;height:11px;background:rgba(255,255,255,.12);border-radius:6px;margin:10px 0 8px;}
.range-fill{position:absolute;top:0;bottom:0;background:var(--gold);border-radius:6px;}
.range-marks{display:flex;justify-content:space-between;font-size:11px;color:var(--text-onink-muted);font-family:var(--mono);}

/* Method + disclaimer */
.method-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:32px;}
.method-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;}
.method-card h3{font-size:16px;font-family:var(--sans);font-weight:700;margin-bottom:10px;}
.method-card p{font-size:14px;color:var(--text-muted);line-height:1.65;margin:0;}
.assumptions-table{width:100%;border-collapse:collapse;margin-top:14px;font-size:13px;}
.assumptions-table th{text-align:left;font-family:var(--mono);font-size:10.5px;text-transform:uppercase;letter-spacing:.06em;color:var(--text-muted);padding:8px 0;border-bottom:1px solid var(--line);}
.assumptions-table td{padding:9px 0;border-bottom:1px solid var(--line);color:var(--ink-soft);}
.assumptions-table tr:last-child td{border-bottom:none;}

.disclaimer-box{background:var(--ivory-2);border:1px solid var(--line);border-radius:var(--radius);padding:22px 26px;margin-top:24px;font-size:13.5px;color:var(--text-muted);line-height:1.65;}
.disclaimer-box strong{color:var(--ink);}
.disclaimer-box p + p{margin-top:10px;}

.cta-band{background:var(--ivory-2);border-radius:18px;padding:36px 40px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;margin-top:44px;}
.cta-band h3{font-size:20px;margin-bottom:6px;}
.cta-band p{color:var(--text-muted);font-size:14.5px;margin:0;}

/* Related calculators strip */
.related-tools{margin-top:44px;}
.related-tools h3{font-size:15px;font-family:var(--sans);font-weight:700;margin-bottom:16px;color:var(--text-muted);text-transform:uppercase;letter-spacing:.04em;font-size:12px;}
.related-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;}
.related-card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:16px 18px;font-size:13.5px;font-weight:600;transition:border-color .15s ease, transform .15s ease;}
.related-card:hover{border-color:var(--gold);transform:translateY(-2px);}
.related-card.current{background:var(--ink);color:#fff;border-color:var(--ink);}

footer{background:var(--ink);color:var(--text-onink-muted);padding:64px 0 28px;margin-top:60px;}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.1);}
.footer-brand .brand .name{color:#fff;}
.footer-brand p{font-size:13.5px;line-height:1.6;margin-top:14px;max-width:280px;}
footer h5{font-family:var(--mono);font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:#8a9482;margin-bottom:16px;}
footer ul{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:10px;}
footer ul a{font-size:14px;}
footer ul a:hover{color:#fff;}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:24px;font-size:12.5px;flex-wrap:wrap;gap:12px;}
.footer-disclaimer{font-size:12px;color:#7d8874;max-width:640px;line-height:1.6;margin-top:18px;}

@media print{
  header,footer,.form-actions,.result-actions,.cta-band,.related-tools{display:none !important;}
  body{background:#fff;}
  .result-card{position:static;background:#fff;color:#000;border:1px solid #ccc;}
  .result-headline{color:#000;}
  .bar-fill.req,.bar-fill.primary{background:#333;}
  .calc-grid{display:block;}
  .panel{border:none;padding:0;margin-bottom:20px;}
}

  .mobile-panel{display:none;flex-direction:column;gap:4px;padding:18px 20px 22px;border-top:1px solid var(--line);background:var(--ivory);}
  .mobile-panel a{padding:11px 2px;font-size:15px;font-weight:600;color:var(--ink-soft);}
  .mobile-panel .mp-ctas{display:flex;flex-direction:column;gap:10px;margin-top:10px;}
  .mobile-panel .mp-ctas .btn{width:100%;}
  .mobile-panel.open{display:flex;}

@media (max-width:980px){
    .nav{padding:16px 20px;}
    .navctas{display:none;}

  .navlinks{display:none;}
  .hamburger{display:block;}
  .wrap{padding:0 20px;}
  .calc-grid{grid-template-columns:1fr;}
  .result-card{position:static;}
  .field-row{grid-template-columns:1fr;}
  .method-grid{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .cta-band{flex-direction:column;align-items:flex-start;}
  .related-grid{grid-template-columns:1fr 1fr;}
}