/* WealthEdu calculator suite: shared brand tokens and components.
   Standalone pages show the navy brand band; ?embed=1 hides it, forces the light palette, and lets the host page show through. */
:root{
  --navy:#1B3A54; --gold:#C9932E; --ink:#2B2B2B; --cream:#FAF8F3; --tint:#E8EEF2;
  --bg:var(--cream); --surface:#FFFFFF; --fg:var(--ink); --muted:#5B6873; --line:#D9DFE4;
  --band:var(--navy); --band-fg:#FAF8F3; --accent:var(--navy); --accent-2:var(--gold);
  --bar:#1B3A54; --bar-hot:#C9932E; --good:#2F7A55; --warn:#A8641A; --chip:#E8EEF2;
  --display:"Poppins",ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;
  --body:"Inter",ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]):not(.embed){
  --bg:#0E1C29; --surface:#152838; --fg:#EEF1F3; --muted:#9FB0BE; --line:#28405A;
  --band:#0A1622; --band-fg:#FAF8F3; --accent:#9CC1E0; --accent-2:#DDA846;
  --bar:#6F9CC4; --bar-hot:#DDA846; --good:#6CC79A; --warn:#E4A55A; --chip:#1D3549; color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0E1C29; --surface:#152838; --fg:#EEF1F3; --muted:#9FB0BE; --line:#28405A;
  --band:#0A1622; --band-fg:#FAF8F3; --accent:#9CC1E0; --accent-2:#DDA846;
  --bar:#6F9CC4; --bar-hot:#DDA846; --good:#6CC79A; --warn:#E4A55A; --chip:#1D3549; color-scheme:dark}

*{box-sizing:border-box}
body{background:var(--bg);color:var(--fg);font:15px/1.55 var(--body);margin:0}
.wrap{max-width:1180px;margin:0 auto;padding-inline:20px}
header.band{background:var(--band);color:var(--band-fg);padding-block:22px 26px}
.brandrow{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}
.wordmark{font:700 22px/1 var(--display);letter-spacing:-.01em}
.wordmark span{color:#C9932E}
.org{font-size:12px;letter-spacing:.08em;text-transform:uppercase;opacity:.75}
header h1{font:700 clamp(26px,4vw,38px)/1.15 var(--display);margin:22px 0 6px;text-wrap:balance}
header p{margin:0;max-width:62ch;opacity:.85}
.example{display:inline-block;margin-top:14px;font-size:12px;background:rgba(201,147,46,.18);color:#F1D9A8;border:1px solid rgba(201,147,46,.45);padding:3px 10px;border-radius:99px}

main.grid{display:grid;grid-template-columns:minmax(0,340px) minmax(0,1fr);gap:24px;padding-block:24px 40px;align-items:start}
.inputs{position:sticky;top:calc(env(safe-area-inset-top,0px) + 12px)}
@media (max-width:860px){main.grid{grid-template-columns:minmax(0,1fr)}.inputs{position:static;order:2}.results{order:1}}

.panel{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:18px}
.panel h2{font:600 13px/1.2 var(--display);letter-spacing:.07em;text-transform:uppercase;color:var(--muted);margin:0 0 12px}
.fields{display:grid;gap:12px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:10px}
label{display:block;font-size:13px;font-weight:500;margin-bottom:4px}
.hint{font-size:12px;color:var(--muted);margin-top:3px}
.money{position:relative}
.money::before{content:"$";position:absolute;left:10px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:14px}
.pct{position:relative}
.pct::after{content:"%";position:absolute;right:10px;top:50%;transform:translateY(-50%);color:var(--muted)}
input[type=number],select{width:100%;font:500 15px var(--body);color:var(--fg);background:var(--bg);border:1px solid var(--line);border-radius:6px;padding:8px 10px;font-variant-numeric:tabular-nums}
input:focus-visible,select:focus-visible,button:focus-visible{outline:2px solid var(--accent-2);outline-offset:2px}
.money input[type=number]{padding-left:24px}
.pct input[type=number]{padding-right:28px}
.seg{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:6px;overflow:hidden}
.seg button{font:500 14px var(--body);background:var(--bg);color:var(--fg);border:0;padding:8px;cursor:pointer}
.seg button[aria-pressed=true]{background:var(--accent);color:var(--surface)}
:root[data-theme="dark"] .seg button[aria-pressed=true]{color:#0E1C29}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]):not(.embed) .seg button[aria-pressed=true]{color:#0E1C29}}
.sep{border:0;border-top:1px solid var(--line);margin:4px 0}

.results{display:grid;grid-template-columns:minmax(0,1fr);gap:18px;min-width:0}
.tgrid>div{min-width:0}
.lever{border-top:4px solid var(--accent-2)}
.lever-top{display:flex;justify-content:space-between;align-items:end;gap:12px;flex-wrap:wrap}
.lever-amt{font:700 clamp(30px,5vw,42px)/1 var(--display);color:var(--accent);font-variant-numeric:tabular-nums}
.lever-amt-wrap{display:flex;align-items:center;gap:8px}
.lever-amt-wrap .money{width:150px}
input[type=range]{width:100%;margin:16px 0 6px;accent-color:var(--accent-2)}
.targets{margin-top:14px;background:var(--chip);border:1px solid var(--line);border-radius:8px;padding:14px}
.tnote{margin:0 0 12px;font-size:13.5px;max-width:70ch}
.tnote b{font-weight:600}
.tgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.tgrid select{font-size:13.5px;padding:8px}
.tgrid select.on{border-color:var(--accent-2);box-shadow:0 0 0 1px var(--accent-2)}
.tstatus{margin:10px 0 0;font-size:13px;color:var(--muted);min-height:1.4em}
.tstatus b{color:var(--fg);font-weight:600}
@media (max-width:760px){.tgrid{grid-template-columns:minmax(0,1fr)}}

.verdict{font:600 18px/1.4 var(--display);margin:16px 0 0;text-wrap:balance}
.stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line);border-radius:8px;overflow:hidden;margin-top:16px}
.stat{background:var(--surface);padding:12px 14px}
.stat .k{font-size:12px;color:var(--muted)}
.stat .v{font:600 20px/1.2 var(--display);font-variant-numeric:tabular-nums;margin-top:2px}
@media (max-width:620px){.stats{grid-template-columns:repeat(2,minmax(0,1fr))}}

.flags{display:grid;gap:8px;margin:0;padding:0;list-style:none}
.flags li{display:grid;grid-template-columns:10px 1fr;gap:10px;align-items:baseline;font-size:14px}
.flags li::before{content:"";width:10px;height:10px;border-radius:50%;background:var(--good);transform:translateY(1px)}
.flags li.warn::before{background:var(--warn)}
.flags li.info::before{background:var(--accent)}

.chartwrap{overflow-x:auto}
svg text{font-family:var(--body);font-variant-numeric:tabular-nums}
.legend{display:flex;gap:16px;flex-wrap:wrap;font-size:12.5px;color:var(--muted);margin-top:6px}
.legend i{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:6px;vertical-align:-1px}

table{width:100%;border-collapse:collapse;font-size:14px;font-variant-numeric:tabular-nums}
th,td{padding:8px 6px;border-bottom:1px solid var(--line);text-align:right}
th:first-child,td:first-child{text-align:left}
thead th{font-size:12px;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.05em}
tr.total td{font-weight:600;border-bottom:0}
.tablewrap{overflow-x:auto}

.compare{display:grid;gap:10px;margin-top:6px}
.xverdict{font:600 17px/1.4 var(--display);margin:0 0 10px;text-wrap:balance}
.xnote{margin:10px 0 0;color:var(--muted);font-size:13px;max-width:80ch}
.cbar{display:grid;grid-template-columns:150px 1fr auto;gap:10px;align-items:center;font-size:14px}
.cbar .track{height:14px;background:var(--chip);border-radius:3px;overflow:hidden}
.cbar .fill{height:100%;background:var(--bar)}
.cbar.roth .fill{background:var(--bar-hot)}
.cbar .val{font-weight:600;font-variant-numeric:tabular-nums;min-width:90px;text-align:right}
@media (max-width:520px){.cbar{grid-template-columns:1fr auto}.cbar .track{grid-column:1/-1;grid-row:2}}

footer{border-top:1px solid var(--line);padding-block:20px 36px;color:var(--muted);font-size:12.5px}
footer p{max-width:90ch;margin:0 0 8px}
footer .by{color:var(--fg);font-weight:600}
@media (prefers-reduced-motion:no-preference){.fill{transition:width .3s ease}}

/* ---- page shell ---- */
html{-webkit-text-size-adjust:100%}
.embed-note{display:none}
.embed{background:transparent}
.embed body{background:var(--bg);border-radius:12px}
.embed .band{display:none}
.embed .embed-note{display:block;padding-block:12px 0;font-size:13px;color:var(--muted)}
.embed .grid{padding-block:14px 20px}
.embed .inputs{position:static}
.embed .foot{padding-block:14px 8px}
.back{color:var(--band-fg);opacity:.75;font-size:13px;text-decoration:none}
.back:hover{opacity:1;text-decoration:underline}

/* ---- hub ---- */
.hub{padding-block:28px 48px;display:grid;gap:30px}
.hub h2.cat{font:600 13px/1.2 var(--display);letter-spacing:.07em;text-transform:uppercase;color:var(--muted);margin:0 0 12px}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:14px}
.card{display:flex;flex-direction:column;gap:6px;background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:18px;color:var(--fg);text-decoration:none;min-width:0}
a.card:hover{border-color:var(--accent-2)}
a.card:focus-visible{outline:2px solid var(--accent-2);outline-offset:2px}
.card h3{font:600 17px/1.3 var(--display);margin:0}
.card p{margin:0;font-size:14px;color:var(--muted)}
.card .go{margin-top:auto;padding-top:8px;font-weight:600;font-size:14px;color:var(--accent)}
.card.soon{background:transparent;border-style:dashed}
.card.soon .go{color:var(--muted);font-weight:500}
/* embedded: the tool brings its own cream card so it reads on any section color */
.embed .wrap{padding-inline:clamp(12px,3vw,24px)}
.embed .foot{padding-block:14px 18px}