/* Consumer-experience overhaul — presentation only; calculator models are unchanged. */
:root{
  --navy:#0E2148;
  --navy-2:#1A3160;
  --teal:#1090A8;
  --teal-dark:#0C7A8E;
  --cream:#F7F5F0;
  --cream-2:#FBFAF6;
  --soft:#D7ECEF;
  --line:#D9D5CC;
  --muted:#3F3D38;
  --shadow:0 18px 50px rgba(14,33,72,.08);
  --radius:22px;
}
body{color:#061539}
.review-bar{background:var(--navy);border:0;font-size:.74rem;letter-spacing:.01em}
.site-header{background:rgba(255,255,255,.96);border-top:0;box-shadow:0 1px 0 rgba(14,33,72,.1)}
.nav-wrap nav .nav-cta{background:var(--teal-dark);box-shadow:none}
.hero{background:linear-gradient(125deg,#FBFAF6 0%,#F7F5F0 58%,#D7ECEF 100%);padding-top:68px}
.hero-grid{align-items:center;gap:54px;grid-template-columns:minmax(0,.95fr) minmax(0,1.25fr)}
.hero-copy{padding-top:0}
.hero h1{font-size:clamp(2.65rem,5vw,4.65rem);line-height:1.01}
.lede{line-height:1.72}
.trust-row{gap:9px 17px;margin-top:22px}
.credibility-row{margin-top:20px}
.credibility-row span{border:1px solid var(--line);border-left:3px solid var(--teal);border-radius:12px;padding:13px 15px}
.path-grid{gap:14px}
.path-card{border:1px solid var(--line);border-top:0;border-radius:20px;box-shadow:0 10px 28px rgba(14,33,72,.06);min-height:255px;padding:24px}
.path-card::before{background:var(--teal);border-radius:20px 20px 0 0;content:"";height:5px;left:-1px;position:absolute;right:-1px;top:-1px}
.path-card:nth-child(2)::before{background:#6FC3CF}.path-card:nth-child(3)::before{background:var(--navy-2)}
.path-card:nth-child(2){border-top-color:#6FC3CF}
.path-card[aria-pressed=true]{background:var(--white);border-color:var(--teal);box-shadow:0 16px 40px rgba(14,33,72,.12);color:var(--ink)}
.path-card[aria-pressed=true] .path-number,.path-card[aria-pressed=true] .path-kicker,.path-card[aria-pressed=true] strong,.path-card[aria-pressed=true] b{color:inherit}
.path-card[aria-pressed=true]>span:not(.path-number):not(.path-kicker){color:var(--muted)}
.path-card[aria-pressed=true] .path-number,.path-card[aria-pressed=true] b{color:var(--teal-dark)}
.example-strip{border-color:var(--line);box-shadow:none}
.explorer{background:var(--cream-2);border-top:1px solid var(--line);padding:70px 0 80px}
.income-section{background:#D7ECEF}.rider-section{background:#F7F5F0}
.section-intro{border-left:0;gap:42px;padding-left:0}
.section-intro h2{font-size:clamp(2rem,3.5vw,3rem)}
.section-intro>p{line-height:1.65}
.controls,.results-panel{border:1px solid var(--line);border-top:0;border-radius:22px;box-shadow:0 14px 40px rgba(14,33,72,.07);overflow:hidden;position:relative}
.controls::before,.results-panel::before{background:var(--teal);content:"";height:5px;left:0;position:absolute;right:0;top:0}
.results-panel::before{background:var(--navy-2)}
.controls{padding:30px 26px}.results-panel{padding:32px}
.quick-row button{border-color:#B5B0A6;border-radius:999px}
.quick-row button[aria-pressed=true]{background:var(--teal-dark);border-color:var(--teal-dark)}
.range-readout input[type="range"],input[type="radio"],input[type="checkbox"]{accent-color:var(--teal-dark)}
.range-readout input[type="range"]{-webkit-appearance:none;appearance:none;background:transparent}
.range-readout input[type="range"]::-webkit-slider-runnable-track{background:var(--soft);border:1px solid #6FC3CF;border-radius:999px;height:8px}
.range-readout input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;background:var(--teal-dark);border:3px solid #FFFFFF;border-radius:50%;box-shadow:0 0 0 1px var(--teal-dark);height:20px;margin-top:-7px;width:20px}
.range-readout input[type="range"]::-moz-range-track{background:var(--soft);border:1px solid #6FC3CF;border-radius:999px;height:8px}
.range-readout input[type="range"]::-moz-range-progress{background:var(--teal-dark);border-radius:999px;height:8px}
.range-readout input[type="range"]::-moz-range-thumb{background:var(--teal-dark);border:3px solid #FFFFFF;border-radius:50%;height:14px;width:14px}
.input-affix,input,select{border-radius:11px}
.assumption-note,.plain-summary,.savings-comparison,.rider-method-note{background:var(--soft);border:1px solid #6FC3CF}
.result-detail,.income-metrics>div{background:#FBFAF6;border-radius:12px;padding:15px}
.result-detail{border:0;grid-template-columns:1fr auto}
.scenario-card{border-color:var(--line);border-radius:15px}
.scenario-card.is-selected{background:#D7ECEF;border-color:var(--teal)}
.conversion-card{background:linear-gradient(135deg,#D7ECEF,#FBFAF6);border:1px solid #6FC3CF;border-radius:24px;box-shadow:0 14px 38px rgba(14,33,72,.06);color:var(--ink);margin-top:30px;padding:34px}
.conversion-card h3{color:var(--navy)}
.conversion-card p,.conversion-list{color:var(--muted)}
.button.primary{background:var(--teal-dark);box-shadow:none}
.button.primary:hover{background:var(--navy)}
.handoff-note{color:var(--muted)!important;line-height:1.5}
.text-link{color:var(--teal-dark)}
.learn-section{background:var(--white);border-top:1px solid var(--line);padding-block:72px}
.learn-grid{gap:14px;grid-template-columns:1fr 1fr}
.learn-grid details{background:var(--cream-2);border:1px solid var(--line);border-radius:16px;box-shadow:none;padding:18px 20px}
.learn-grid summary{font-size:.98rem}
.learn-grid p{font-size:.88rem;line-height:1.65}
footer{background:var(--navy);padding-top:52px}
@media(max-width:1000px){
  .hero-grid{grid-template-columns:1fr}.path-grid{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:760px){
  .hero{padding-top:30px}.hero h1{font-size:2.65rem}.hero-copy{padding-bottom:6px}.trust-row{gap:6px 12px}.credibility-row{margin-top:16px}.path-grid{grid-template-columns:1fr}.path-card{min-height:0;padding:17px 18px}.path-card .path-kicker{margin-top:10px}.path-card b{padding-top:10px}.example-strip{margin-top:22px}.explorer{padding:48px 0 54px}.controls,.results-panel{padding:24px 20px}.conversion-card{padding:26px 22px}.learn-section{padding-block:48px}.learn-grid{grid-template-columns:1fr}.learn-grid details{padding:14px 16px}.section-intro{gap:12px;margin-bottom:20px}.section-intro>p{font-size:.92rem}
}
@media(max-width:390px){
  .hero h1{font-size:2.25rem}.controls,.results-panel{padding:22px 16px}.conversion-card{padding:22px 18px}.result-detail{grid-template-columns:1fr}.result-detail b{text-align:left}
}