.retirement-main {
  position: relative;
  z-index: 2;
  width: min(1180px, calc(100% - 2 * var(--site-gutter)));
  margin: 0 auto;
  padding: clamp(28px, 4vw, 48px) 0 88px;
}

.skip-link {
  position: fixed;
  left: 16px;
  top: -100px;
  z-index: 300;
  padding: 12px 18px;
  background: var(--accent);
  color: #fff;
  text-decoration: none;
}

.skip-link:focus { top: 12px; }

.primary-button,
.secondary-button,
.debt-type {
  min-height: 50px;
  padding: 12px 22px;
  border: 1px solid var(--accent);
  border-radius: 0;
  font-family: var(--sans);
  font-size: 15px;
  font-weight: 650;
  cursor: pointer;
}

.primary-button { background: var(--accent); color: #fff; }
.primary-button:hover { background: var(--accent-hover); border-color: var(--accent-hover); }
.secondary-button { background: transparent; color: var(--accent); }
.secondary-button:hover { background: var(--accent-soft); }

.primary-button:focus-visible,
.secondary-button:focus-visible,
.text-button:focus-visible,
.debt-type:focus-visible,
.remove-debt:focus-visible,
input:focus-visible,
select:focus-visible,
summary:focus-visible {
  outline: 3px solid rgba(27,58,91,.25);
  outline-offset: 3px;
}

.planner-workspace,
.results-section {
  scroll-margin-top: 96px;
  margin-top: 30px;
  background: rgba(255,255,255,.82);
  border: 1px solid var(--surface-border);
  box-shadow: 0 28px 70px var(--surface-shadow);
}

.retirement-main > .planner-workspace { margin-top: 0; }

.planner-context {
  display: flex;
  justify-content: space-between;
  gap: 12px 24px;
  align-items: center;
  padding: 16px clamp(20px, 4vw, 42px) 0;
  color: var(--muted);
  font-size: 13px;
  line-height: 1.5;
}

.planner-context p { margin: 0; }
.planner-context strong { color: var(--text); }
.planner-context span {
  flex: 0 0 auto;
  font-family: var(--mono);
  font-size: 11px;
}

.planner-progress { padding: 22px clamp(20px, 4vw, 42px) 0; }
.progress-copy { display: flex; justify-content: space-between; gap: 18px; align-items: baseline; }
.progress-copy span { color: var(--muted); font-family: var(--mono); font-size: 12px; }
.progress-copy strong { color: var(--accent); font-size: 14px; }
.progress-track { height: 3px; margin-top: 14px; background: var(--bdr); }
.progress-track span { display: block; width: 20%; height: 100%; background: var(--accent); transition: width 180ms ease; }

#retirement-form { padding: clamp(24px, 4vw, 46px); }
.planner-step { border: 0; min-width: 0; }
.planner-step legend {
  max-width: 760px;
  padding: 0;
  color: var(--text);
  font-family: var(--serif);
  font-size: clamp(30px, 4vw, 47px);
  font-weight: 500;
  letter-spacing: -.025em;
  line-height: 1.08;
}

.step-intro { max-width: 720px; margin: 12px 0 28px; color: var(--muted); }
.input-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; }
.field { min-width: 0; }
.field-wide { grid-column: 1 / -1; }
.field label { display: block; margin-bottom: 8px; color: var(--text); font-weight: 650; line-height: 1.35; }
.field-help { margin: 7px 0 0; color: var(--muted); font-size: 13px; line-height: 1.5; }
.field-help strong { color: var(--text); }
.label-row { display: flex; justify-content: space-between; gap: 18px; align-items: baseline; }
.label-row output { color: var(--accent); font-family: var(--mono); font-size: 13px; white-space: nowrap; }

input,
select {
  width: 100%;
  min-height: 50px;
  padding: 11px 13px;
  border: 1px solid var(--bdr2);
  border-radius: 0;
  background: rgba(255,255,255,.92);
  color: var(--text);
  font: 16px/1.35 var(--sans);
}

input[type="range"] { min-height: 48px; padding: 0; accent-color: var(--accent); background: transparent; }
input[aria-invalid="true"] { border-color: var(--ox); }

.money-input,
.percent-input,
.suffix-input {
  display: grid;
  grid-template-columns: auto minmax(0, 1fr);
  align-items: center;
  border: 1px solid var(--bdr2);
  background: rgba(255,255,255,.92);
}

.percent-input,
.suffix-input { grid-template-columns: minmax(0, 1fr) auto; }
.money-input span,
.percent-input span,
.suffix-input span { padding: 0 12px; color: var(--muted); font-family: var(--mono); }
.money-input input,
.percent-input input,
.suffix-input input { border: 0; background: transparent; }

.advanced-options { grid-column: 1 / -1; margin-top: 26px; border: 1px solid var(--surface-border); background: var(--surface-panel); }
.advanced-options > summary { padding: 17px 18px; color: var(--accent); font-weight: 700; cursor: pointer; }
.advanced-grid { padding: 4px 18px 20px; }
.tax-year-warning { color: var(--ox) !important; font-weight: 700; }

.form-alert {
  margin-bottom: 20px;
  padding: 14px 16px;
  border-left: 3px solid var(--ox);
  background: rgba(139,38,53,.08);
  color: var(--ox);
}

.planner-controls {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  margin-top: 34px;
  padding-top: 22px;
  border-top: 1px solid var(--bdr);
}

.planner-controls [data-next],
.planner-controls [data-calculate] { margin-left: auto; }

.debt-picker { display: flex; flex-wrap: wrap; gap: 10px; }
.debt-type { min-height: 46px; padding: 9px 15px; background: transparent; color: var(--accent); }
.debt-type[aria-pressed="true"] { background: var(--accent); color: #fff; }
.empty-debt-copy { margin: 22px 0 0; color: var(--muted); }
.debt-list { display: grid; gap: 16px; margin-top: 24px; }
.debt-card { padding: 22px; border: 1px solid var(--surface-border); background: var(--surface-panel); }
.debt-card-heading { display: flex; justify-content: space-between; gap: 18px; align-items: start; margin-bottom: 20px; }
.debt-number { color: var(--muted); font-family: var(--mono); font-size: 10px; letter-spacing: .07em; text-transform: uppercase; }
.debt-card h3 { margin: 3px 0 0; color: var(--text); font-family: var(--serif); font-size: 25px; font-weight: 500; }
.remove-debt,
.text-button { padding: 6px 0; border: 0; background: transparent; color: var(--accent); font: 650 14px/1.4 var(--sans); text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }
.debt-input-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.ownership-field { grid-column: span 2; }

.review-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); border-top: 1px solid var(--bdr); }
.review-item { padding: 17px 0; border-bottom: 1px solid var(--bdr); }
.review-item:nth-child(odd) { padding-right: 24px; }
.review-item span { display: block; color: var(--muted); font-size: 13px; }
.review-item strong { display: block; margin-top: 3px; color: var(--text); font-family: var(--mono); font-size: 16px; }
.assumption-note { margin-top: 24px; padding: 18px; border-left: 3px solid var(--amber); background: var(--amber-soft); }
.assumption-note strong { color: var(--text); }
.assumption-note p { margin: 6px 0 0; color: var(--body); }

.results-section { padding: clamp(24px, 5vw, 54px); }
.results-heading { max-width: 780px; }
.results-heading h2,
.section-heading-small h2 {
  margin: 0;
  color: var(--text);
  font-family: var(--serif);
  font-size: clamp(31px, 4.5vw, 50px);
  font-weight: 500;
  letter-spacing: -.025em;
  line-height: 1.08;
}
.results-heading > p:last-child,
.section-heading-small > p:last-child { margin: 12px 0 0; color: var(--muted); }

.probability-panel {
  display: grid;
  grid-template-columns: 180px minmax(0, 1fr);
  gap: clamp(24px, 5vw, 48px);
  align-items: center;
  margin-top: 32px;
  padding: clamp(22px, 4vw, 36px);
  border: 1px solid var(--surface-border);
  background: var(--surface-panel);
}

.probability-ring {
  --probability: 0;
  width: 160px;
  aspect-ratio: 1;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: conic-gradient(var(--accent) calc(var(--probability) * 1%), var(--bdr) 0);
  position: relative;
}
.probability-ring::before { content: ""; position: absolute; inset: 15px; border-radius: 50%; background: var(--surface-panel); }
.probability-ring span { position: relative; color: var(--text); font-family: var(--mono); font-size: 34px; font-weight: 600; }
.result-label { margin: 0 0 4px; color: var(--accent); font-family: var(--mono); font-size: 11px; letter-spacing: .06em; text-transform: uppercase; }
.probability-panel h3 { margin: 0; color: var(--text); font-family: var(--serif); font-size: clamp(26px, 3.5vw, 39px); font-weight: 500; line-height: 1.12; }
.probability-panel p:not(.result-label) { margin: 10px 0 0; color: var(--body); }

.result-metrics { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); margin-top: 18px; border: 1px solid var(--surface-border); }
.result-metrics article { min-width: 0; padding: 20px; background: rgba(255,255,255,.58); }
.result-metrics article + article { border-left: 1px solid var(--surface-border); }
.result-metrics span,
.result-metrics small { display: block; color: var(--muted); font-size: 12px; line-height: 1.45; }
.result-metrics strong { display: block; margin: 8px 0 5px; color: var(--text); font-family: var(--mono); font-size: clamp(21px, 2.5vw, 30px); line-height: 1.15; }

.action-section,
.chart-section { margin-top: 46px; }
.section-heading-small { max-width: 760px; }
.section-heading-small h2 { font-size: clamp(29px, 4vw, 43px); }
.action-list { display: grid; gap: 12px; margin-top: 22px; }
.action-card { display: grid; grid-template-columns: 42px minmax(0, 1fr) auto; gap: 16px; align-items: start; padding: 20px; border: 1px solid var(--surface-border); background: var(--surface-panel); }
.action-rank { width: 36px; height: 36px; display: grid; place-items: center; border: 1px solid var(--surface-strong); color: var(--accent); font-family: var(--mono); font-size: 12px; }
.action-card h3 { margin: 0; color: var(--text); font-family: var(--serif); font-size: 23px; font-weight: 500; line-height: 1.2; }
.action-card p { margin: 7px 0 0; color: var(--muted); font-size: 14px; }
.action-impact { min-width: 104px; text-align: right; }
.action-impact strong { display: block; color: var(--sage); font-family: var(--mono); font-size: 21px; }
.action-impact span { color: var(--muted); font-size: 11px; }

.timeline-chart { min-height: 260px; margin-top: 22px; padding: 18px; border: 1px solid var(--surface-border); background: var(--surface-panel); }
.timeline-chart svg { width: 100%; height: 240px; overflow: visible; }
.chart-line { fill: none; stroke: var(--accent); stroke-width: 3; vector-effect: non-scaling-stroke; }
.chart-area { fill: rgba(27,58,91,.08); }
.chart-axis { stroke: var(--bdr2); stroke-width: 1; vector-effect: non-scaling-stroke; }
.chart-label { fill: var(--muted); font: 11px var(--mono); }

details { margin-top: 12px; border: 1px solid var(--surface-border); background: rgba(255,255,255,.58); }
summary { padding: 15px 17px; color: var(--text); font-weight: 650; cursor: pointer; }
details > div { padding: 0 17px 17px; color: var(--body); }
details p { margin: 0; }
details p + p { margin-top: 10px; }
.details-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; margin-top: 34px; }
.details-grid details { margin: 0; }
.table-scroll { overflow-x: auto; }
.projection-table { width: 100%; border-collapse: collapse; font-size: 13px; }
.projection-table th,
.projection-table td { padding: 10px; border-bottom: 1px solid var(--bdr); text-align: right; }
.projection-table th:first-child,
.projection-table td:first-child { text-align: left; }

.results-controls { display: flex; justify-content: space-between; gap: 16px; align-items: center; margin-top: 36px; padding-top: 24px; border-top: 1px solid var(--bdr); }
.danger-text { color: var(--ox); }
.noscript-note { margin-top: 20px; padding: 18px; border-left: 3px solid var(--ox); background: rgba(139,38,53,.08); }

@media (max-width: 900px) {
  .debt-input-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .result-metrics { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .result-metrics article:nth-child(3) { border-left: 0; border-top: 1px solid var(--surface-border); }
  .result-metrics article:nth-child(4) { border-top: 1px solid var(--surface-border); }
}

@media (max-width: 640px) {
  .retirement-main { width: min(100% - 22px, 1180px); padding-top: 20px; }
  #retirement-form,
  .results-section { padding: 22px 18px; }
  .planner-context { align-items: flex-start; flex-direction: column; }
  .input-grid,
  .debt-input-grid,
  .review-grid,
  .details-grid { grid-template-columns: 1fr; }
  .field-wide,
  .ownership-field { grid-column: auto; }
  .review-item:nth-child(odd) { padding-right: 0; }
  .probability-panel { grid-template-columns: 1fr; }
  .probability-ring { width: 140px; }
  .result-metrics { grid-template-columns: 1fr; }
  .result-metrics article + article { border-left: 0; border-top: 1px solid var(--surface-border); }
  .action-card { grid-template-columns: 36px minmax(0, 1fr); }
  .action-impact { grid-column: 2; text-align: left; }
  .results-controls { align-items: stretch; flex-direction: column; }
  .results-controls .secondary-button { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  .progress-track span { transition: none; }
}