/* Retirement Planning section (v7 preview). Pillar colours match resources.css. */
.ret-note{margin-bottom:1.4rem}
.ret-tags{margin:1.3rem 0 0;display:flex;flex-wrap:wrap;gap:.5rem}
.ret-intro{display:grid;gap:1.6rem;align-items:start}
@media (min-width:900px){.ret-intro{grid-template-columns:1.35fr 1fr;gap:2.5rem}}
.ret-intro .prose h2{margin-top:0}
.ret-ask{border-left:6px solid var(--gold)}
.ret-ask ol{margin:.4rem 0 0;padding-left:1.3rem}.ret-ask li{margin:.45rem 0}
.card-title{font-size:1.35rem;margin:0 0 .4rem}
.ret-jump,.ret-chips ul{display:flex;flex-wrap:wrap;gap:.5rem;margin:1.6rem 0 0}
.ret-jump a,.ret-chips a{display:inline-flex;align-items:center;min-height:44px;padding:.2rem 1rem;border:2px solid var(--navy);border-radius:999px;color:var(--navy);font-weight:700;text-decoration:none;font-size:1rem}
.ret-jump a:hover,.ret-chips a:hover{background:var(--navy);color:#fff}
.ret-chips ul{list-style:none;padding:0;margin:1.2rem 0 1.8rem}
.ret-chips a{border-width:1.5px;border-color:var(--line);background:var(--cream);font-size:.98rem;min-height:40px}
.ret-subnav{margin:1.4rem 0 0}
.ret-subnav ul{list-style:none;margin:0;padding:.35rem;display:flex;flex-wrap:wrap;gap:.3rem;background:var(--sand);border-radius:14px}
.ret-subnav a{display:inline-flex;align-items:center;min-height:44px;padding:.2rem 1rem;border-radius:10px;text-decoration:none;color:var(--navy);font-weight:700;font-size:1rem}
.ret-subnav a:hover{background:#fff}
.ret-subnav a[aria-current="page"]{background:var(--navy);color:#fff}
/* challenge cards */
.rc-grid{list-style:none;margin:0;padding:0;display:grid;gap:1rem;grid-template-columns:repeat(auto-fill,minmax(min(100%,250px),1fr))}
.rc-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem 1.15rem 1.1rem;display:flex;flex-direction:column;box-shadow:0 2px 10px rgba(2,28,74,.05);border-top:4px solid var(--navy-3)}
.rc-card:nth-child(3n+2){border-top-color:var(--gold)}.rc-card:nth-child(3n){border-top-color:#1E5E36}
.rc-ico{display:grid;place-items:center;width:46px;height:46px;border-radius:12px;background:var(--navy);color:#FFD36B;flex:0 0 auto}
.rc-ico svg{width:26px;height:26px}
.rc-card h3{margin:.7rem 0 .25rem;font-size:1.3rem;color:var(--navy)}
.rc-aware{margin:0 0 .7rem;color:var(--muted);font-size:1.04rem;line-height:1.45}
.rc-chip{margin:0 0 .8rem;background:var(--cream);border-radius:10px;padding:.55rem .7rem;font-size:.98rem;line-height:1.35;font-weight:700;color:var(--navy)}
.rc-kind{display:block;font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-text);font-weight:700;margin-bottom:.15rem}
.rc-more{margin-top:auto;font-weight:700;color:var(--navy-3);text-decoration:none}
.rc-more:hover{text-decoration:underline}
/* big picture */
.ret-bp{display:grid;gap:2rem;align-items:start}
.ret-bp>div:first-child{max-width:780px}
/* Oct 28, 2026: intro sits beside the steps only on wide desktops; on iPads (portrait and landscape) and phones the intro
   stacks above the steps, and the steps flow into 1, 2 or 3 columns. */
@media (min-width:1200px){.ret-bp{grid-template-columns:.85fr 1.15fr;gap:3rem}.ret-bp>div:first-child{max-width:none}}
.ret-bp h2{margin-top:0}
.ret-house{background:var(--sand);border-radius:12px;padding:.9rem 1rem;font-size:1.05rem}
.ret-tag{font-family:var(--head);color:var(--navy);font-size:1.1rem}
.ret-frame{list-style:none;margin:0;padding:0;display:grid;gap:.8rem;grid-template-columns:minmax(0,1fr)}
.rf{--pc:var(--navy);min-width:0;display:grid;grid-template-columns:40px minmax(0,1fr);grid-template-areas:"n h" "n t" "d d";gap:.15rem .9rem;align-content:start;background:#fff;border:1px solid var(--line);border-left:8px solid var(--pc);border-radius:12px;padding:1rem 1.1rem}
.rf-income{--pc:#1E5E36}.rf-retention{--pc:#0E6577}.rf-growth{--pc:#E9A006}.rf-protection{--pc:#12397F}.rf-all{--pc:var(--navy)}
.rf-n{grid-area:n;align-self:start;display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--pc);color:#fff;font-weight:800;font-size:1.15rem}
.rf-growth .rf-n{color:var(--navy)}
.rf h3{grid-area:h;margin:.1rem 0 0;font-size:1.2rem;line-height:1.25;color:var(--navy);overflow-wrap:break-word}
.rf-p{grid-area:t;font-size:.78rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--pc);line-height:1.3;padding-top:.1rem}
.rf-growth .rf-p{color:var(--gold-text)}
.rf p{grid-area:d;margin:.6rem 0 0;font-size:1.03rem;line-height:1.5}
.ret-frame.compact{margin:1rem 0 1.4rem}
/* tablets: 2 columns (5th step full width), then 3 columns (3 + 2 wider) */
@media (min-width:640px){.ret-frame{grid-template-columns:repeat(2,minmax(0,1fr))}.ret-frame .rf:last-child:nth-child(odd){grid-column:1/-1}}
@media (min-width:960px){.ret-frame{grid-template-columns:repeat(6,minmax(0,1fr))}.ret-frame .rf{grid-column:span 2}.ret-frame .rf:nth-child(n+4){grid-column:span 3}.ret-frame .rf:last-child:nth-child(odd){grid-column:span 3}}
/* wide desktop, beside the intro: one step per row, title and pillar tag on one line */
@media (min-width:1200px){.ret-bp .ret-frame{grid-template-columns:minmax(0,1fr)}.ret-bp .ret-frame .rf,.ret-bp .ret-frame .rf:nth-child(n){grid-column:auto}
 .ret-bp .rf{grid-template-columns:44px minmax(0,1fr) auto;grid-template-areas:"n h t" "n d d";column-gap:1rem}.ret-bp .rf-p{white-space:nowrap;padding-top:.35rem}.ret-bp .rf p{margin-top:.2rem}}
.ret-path .linkcard,.ret-tools .linkcard{height:100%}
.ret-tools .linkcard p{margin:.2rem 0 0;font-style:italic;color:var(--muted)}
.ret-also{margin-top:1.4rem}
.ret-src{margin-top:0}
.ret-src ul{columns:2;column-gap:2rem}
@media (max-width:719px){.ret-src ul{columns:1}}
/* challenge detail */
.rd{border-top:1px solid var(--line);padding:2.2rem 0 1rem;scroll-margin-top:90px}
.rd-head{display:flex;gap:1rem;align-items:flex-start}
.rd-head .rc-ico{width:56px;height:56px}.rd-head .rc-ico svg{width:32px;height:32px}
.rd-n{margin:0;font-size:.85rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-text)}
.rd h2{margin:.1rem 0 .2rem}
.rd-grid{display:grid;gap:1rem 1.6rem;margin-top:1.2rem}
@media (min-width:760px){.rd-grid{grid-template-columns:1fr 1fr}.rd-plan{grid-column:1/-1}}
@media (min-width:1100px){.rd-grid{grid-template-columns:1fr 1fr 1.2fr}.rd-plan{grid-column:auto}}
.rd-col h3{font-size:1.1rem;margin:0 0 .3rem;color:var(--navy)}
.rd-col p{margin:0}
.rd-plan{background:var(--cream);border-radius:12px;padding:1rem 1.1rem}
.rd-plan ul{margin:0;padding-left:1.2rem}.rd-plan li{margin:.3rem 0}
.rd-fact{margin-top:1.2rem;background:#fff;border:1px solid var(--line);border-left:6px solid var(--gold);border-radius:12px;padding:1rem 1.2rem}
.rd-fact p{margin:.2rem 0}
.rd-src{font-size:.95rem;color:var(--muted)}
.rd-learn{margin:.9rem 0 0;font-size:1.02rem}
.rd-top{margin:.4rem 0 0;font-size:.95rem}
/* income plan */
.prose.wide{max-width:860px}
.ret-spend{border-top:5px solid #1E5E36}.ret-spend.dis{border-top-color:var(--gold)}
.ret-spend h3{margin-top:0;color:var(--navy)}.ret-spend ul{margin-bottom:0}
.grid.c2{margin:1rem 0}
.rw{margin:2rem 0;border-top:6px solid var(--navy);scroll-margin-top:90px}
.rw h2{margin:.3rem 0 .4rem}
.rw-grid{display:grid;gap:1rem;margin:1rem 0}
@media (min-width:760px){.rw-grid{grid-template-columns:1fr 1fr}.rw-grid fieldset:last-child{grid-column:1/-1}}
@media (min-width:1100px){.rw-grid{grid-template-columns:1fr 1fr 1fr}.rw-grid fieldset:last-child{grid-column:auto}}
.rw fieldset{border:1px solid var(--line);border-radius:12px;padding:.8rem 1rem 1rem;margin:0;background:var(--cream)}
.rw legend{font-weight:800;color:var(--navy);padding:0 .3rem}
.rw-f{margin:.5rem 0}
.rw-f label{display:block;font-weight:700;margin-bottom:.2rem}
.rw-in{display:flex;align-items:center;background:#fff;border:1.5px solid #8C96AB;border-radius:10px;padding:0 .7rem}
.rw-in span{color:var(--muted);font-weight:700}
.rw-in input{border:0;outline:0;font:inherit;padding:.6rem .4rem;width:100%;min-height:44px;background:transparent}
.rw-in:focus-within{border-color:var(--navy);box-shadow:0 0 0 3px rgba(233,160,6,.45)}
.rw select{font:inherit;min-height:46px;width:100%;border:1.5px solid #8C96AB;border-radius:10px;padding:.4rem .6rem;background:#fff}
.rw-h{margin:.25rem 0 0;font-size:.92rem;color:var(--muted)}
.rw-err{color:#9B1C1C;font-weight:700}
.rw-btns{display:flex;flex-wrap:wrap;gap:.6rem}
.rw-out:empty{display:none}
.rw-out{margin-top:1.2rem;display:grid;gap:.8rem;grid-template-columns:repeat(auto-fit,minmax(min(100%,200px),1fr))}
.rw-stat{background:var(--navy);color:#fff;border-radius:12px;padding:1rem 1.1rem}
.rw-stat b{display:block;font-size:1.6rem;color:#FFD36B;font-family:var(--head)}
.rw-stat span{font-size:.98rem;color:#D5DDEE}
.rw-sum{grid-column:1/-1;margin:0;background:var(--sand);border-radius:12px;padding:.9rem 1.1rem}
.ret-ep{margin:1rem 0 0;font-weight:700}
.ret-tbl caption{text-align:left;font-weight:800;color:var(--navy);padding:.3rem 0 .6rem;font-size:1.1rem}
.ret-tbl tbody th{font-weight:600;background:var(--cream)}
.ret-callout{border-left:6px solid var(--gold);margin:1.4rem 0}
.ret-callout h3{margin-top:0}
/* checklist */
.rcl-bar{position:sticky;top:0;z-index:5;display:flex;flex-wrap:wrap;align-items:center;gap:.6rem 1.2rem;background:#fff;border:1px solid var(--line);border-radius:14px;padding:.8rem 1rem;margin:1.4rem 0 .6rem;box-shadow:0 6px 18px rgba(2,28,74,.08)}
.rcl-prog{margin:0;font-size:1.1rem}
.rcl-meter{flex:1 1 160px;height:10px;background:var(--sand);border-radius:99px;overflow:hidden}
.rcl-meter span{display:block;height:100%;width:0;background:#1E5E36;transition:width .2s}
.rcl-btns{display:flex;gap:.5rem;flex-wrap:wrap}
.rcl-private{margin:.2rem 0 1.2rem}
.rcl{display:grid;gap:1.2rem}
@media (min-width:980px){.rcl{grid-template-columns:1fr 1fr}}
.rcl-sec{border:1px solid var(--line);border-top:5px solid var(--navy-3);border-radius:14px;padding:.6rem 1.1rem 1rem;margin:0;background:#fff;min-width:0}
.rcl-sec:nth-child(2){border-top-color:#1E5E36}.rcl-sec:nth-child(3){border-top-color:#12397F}.rcl-sec:nth-child(4){border-top-color:#0E6577}.rcl-sec:nth-child(5){border-top-color:var(--gold)}
.rcl-sec legend{float:left;width:100%;padding:.5rem 0 .3rem;display:flex;justify-content:space-between;gap:.6rem;align-items:baseline}
.rcl-h{font-family:var(--head);font-size:1.3rem;color:var(--navy)}
.rcl-count{font-size:.9rem;font-weight:700;color:var(--muted);white-space:nowrap}
.rcl-sec ul{clear:both;list-style:none;margin:0;padding:0}
.rcl-sec li{display:flex;gap:.7rem;align-items:flex-start;padding:.45rem 0;border-bottom:1px dashed var(--line)}
.rcl-sec li:last-child{border-bottom:0}
.rcl-sec input{flex:0 0 auto;width:24px;height:24px;margin:.15rem 0 0;accent-color:#1E5E36;cursor:pointer}
.rcl-sec label{cursor:pointer;line-height:1.45;font-size:1.06rem;font-weight:400;margin:0}
.rcl-sec input:checked+label{color:var(--muted);text-decoration:line-through;text-decoration-color:rgba(77,90,115,.5)}
.rcl-sec li.rcl-own,.rcl-print-note{display:none}
.rcl-links{margin-top:1.6rem;display:flex;flex-wrap:wrap;gap:.6rem}
@media print{
 .site-header,.site-footer .footer-grid,.rcl-btns,.rcl-meter,.rcl-links,.ret-subnav,.page-hero,.skip-link,.rcl-private{display:none!important}
 .rcl-bar{position:static;box-shadow:none;border:0;padding:0;margin:0 0 .5rem}
 body{font-size:11pt}.section{padding:0}
 .rcl{grid-template-columns:1fr 1fr;gap:.6rem}
 .rcl-sec{break-inside:avoid;padding:.3rem .7rem .5rem}
 .rcl-sec li{padding:.2rem 0}.rcl-sec label{font-size:10pt}
 .rcl-sec input{width:14px;height:14px}
 .rcl-sec input:checked+label{text-decoration:none;color:#000}
 .rcl-sec li.rcl-own{display:flex;color:#666}.rcl-own span{display:inline-block;width:14px;height:14px;border:1px solid #333}
 .rcl-print-note{display:block;font-size:9pt;color:#444}
 .ret-note{font-size:9pt;padding:.4rem .6rem}
 .rcl-wrap::before{content:"Retirement planning checklist";display:block;font-family:var(--head);font-size:18pt;color:#021C4A;margin-bottom:.3rem}
}

.rc-card.rc-next{background:var(--navy);border-color:var(--navy);border-top-color:var(--gold);color:#fff}
.rc-next h3{color:#fff}.rc-next .rc-aware{color:#D5DDEE}.rc-next .rc-ico{background:var(--gold);color:var(--navy)}
.rc-links{margin:auto 0 0;display:flex;flex-direction:column;gap:.35rem}
.rc-links a{color:#FFD36B;font-weight:700}
/* Plans for teachers, government and nonprofit employees (v7e: simplified, no yearly figures) */
.pub{margin:2.4rem 0 1rem;padding:1.6rem 1.5rem 1.3rem;background:var(--cream);border:1px solid var(--line);border-top:6px solid #0E6577;border-radius:var(--radius);scroll-margin-top:90px}
.pub>h2{margin:0 0 .3rem}
.pub-lead{margin:0 0 1.1rem;color:var(--muted);font-size:1.12rem;max-width:820px}
.pub-grid{display:grid;gap:1rem;grid-template-columns:1fr}
@media (min-width:760px){.pub-grid{grid-template-columns:1fr 1fr}}
.pub-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1.1rem 1.2rem 1rem;border-top:4px solid #0E6577;scroll-margin-top:90px;display:flex;flex-direction:column}
.pub-card:nth-child(2){border-top-color:#12397F}.pub-card:nth-child(3){border-top-color:var(--gold)}.pub-card:nth-child(4){border-top-color:#1E5E36}
.pub-tag{margin:0;font-size:.78rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-text)}
.pub-card h3{margin:.15rem 0 .45rem;font-size:1.35rem;color:var(--navy)}
.pub-card p{margin:0 0 .7rem;font-size:1.04rem;line-height:1.5}
.pub-card .pub-link{margin:auto 0 0;padding-top:.6rem;border-top:1px dashed var(--line);font-size:.98rem;font-weight:700}
.pub-ssfa{margin:1.1rem 0 0;background:#fff;border-left:6px solid var(--gold);border-radius:10px;padding:.8rem 1rem;font-size:1.02rem;scroll-margin-top:90px}
.lim-tbl td{white-space:nowrap;font-weight:700;color:var(--navy)}
.lim-tbl tbody th{width:72%}
.lim-note{font-size:.96rem;color:var(--muted);margin:.2rem 0 1rem;max-width:860px}
@media (max-width:639px){.pub{padding:1.2rem 1rem 1rem}.lim-tbl td{white-space:normal}}