/* ============================================================
   IRMAA Refund — styles.css
   House style: Source Serif 4 display + system sans body,
   paper #f6f8f7, deep pine-teal accent. Calm, senior-legible.
   (Critical above-the-fold subset is mirrored inline in index.html)
   ============================================================ */

:root{
  --paper:#f6f8f7; --surface:#fff; --surface-2:#fbfcfc;
  --ink:#16221f; --ink-soft:#4c5a57; --ink-faint:#7c8884;
  --line:#e3e9e7; --line-strong:#d2dad7;
  --accent:#0f7361; --accent-deep:#0a5446; --accent-wash:#e9f3f0; --accent-line:#bfe0d7;
  --positive:#16795a; --positive-wash:#e7f4ee;
  --caution:#9a6a16; --caution-wash:#f6efdf;
  --negative:#a8453a; --negative-wash:#f6eae7;
  --radius:14px; --maxw:1140px;
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --shadow-sm:0 1px 2px rgba(20,40,35,.05);
  --shadow:0 14px 40px -22px rgba(16,60,50,.4), 0 2px 8px -4px rgba(16,60,50,.18);
}

*{box-sizing:border-box}
[hidden]{display:none !important}
html,body{margin:0}
body{
  background:var(--paper); color:var(--ink);
  font-family:var(--sans); font-size:18px; line-height:1.6;
  -webkit-font-smoothing:antialiased; text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
img{max-width:100%}
a{color:var(--accent-deep);text-underline-offset:2px}
a:hover{color:var(--accent)}
h1,h2,h3,h4{font-family:var(--serif);letter-spacing:-.015em;color:var(--ink)}
::selection{background:var(--accent-wash)}

.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:40;background:rgba(246,248,247,.88);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.site-header__in{display:flex;align-items:center;justify-content:space-between;gap:16px;height:68px;max-width:var(--maxw);margin:0 auto;padding:0 24px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink)}
.brand__mark{width:34px;height:34px;border-radius:9px;flex:none;display:block}
.brand__name{font-family:var(--serif);font-weight:600;font-size:20px;letter-spacing:-.01em;white-space:nowrap}
.brand__tld{color:var(--accent)}
.site-nav{display:flex;align-items:center;gap:26px}
.site-nav a{color:var(--ink-soft);text-decoration:none;font-size:15.5px;font-weight:500}
.site-nav a:hover{color:var(--accent-deep)}
.site-nav__cta{display:inline-flex;align-items:center;background:var(--accent);color:#fff !important;padding:9px 16px;border-radius:9px;font-weight:600}
.site-nav__cta:hover{background:var(--accent-deep)}

/* ---------- Hero ---------- */
.hero{padding:54px 0 22px}
.hero__eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:13.5px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--accent-deep);background:var(--accent-wash);border:1px solid var(--accent-line);padding:6px 13px;border-radius:999px}
.hero h1{font-family:var(--serif);font-weight:600;font-size:clamp(32px,4.6vw,48px);line-height:1.14;letter-spacing:-.02em;margin:20px 0 0;max-width:19ch;text-wrap:balance}
.hero h1 em{font-style:normal;color:var(--accent-deep)}
.hero__sub{font-size:clamp(18px,2.1vw,21px);color:var(--ink-soft);margin:22px 0 0;max-width:54ch;line-height:1.5}
.hero__meta{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:24px;font-size:15px;color:var(--ink-soft)}
.hero__meta span{display:inline-flex;align-items:center;gap:8px}
.hero__meta b{color:var(--ink);font-weight:600}
.dot{width:7px;height:7px;border-radius:50%;background:var(--accent);flex:none}

/* ---------- Ad slots ----------
   Reserve dimensions (min-height) so layout is stable, but render nothing
   visible until AdSense fills the slot. The "Advertisement" label and the
   <ins> appear only on a real fill (data-ad-status="filled"). See ad_slots.md. */
.ad-slot{position:relative;display:flex;flex-direction:column;align-items:center;justify-content:center;margin:20px auto}
.ad-slot__label{display:none;position:absolute;top:7px;left:10px;font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-faint);font-weight:600}
.ad-slot:has(ins[data-ad-status="filled"]) .ad-slot__label{display:block}
.ad-slot ins[data-ad-status="unfilled"]{display:none}
.ad-slot--leaderboard{width:728px;max-width:100%;min-height:90px}
.ad-slot--mrec{width:300px;min-height:250px;margin:22px 0}
.ad-slot--halfpage{width:300px;min-height:600px}

/* ---------- Tool layout ---------- */
.tool{padding:8px 0 8px}
.tool__grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:34px;align-items:start}
.tool__main{min-width:0}
.tool__rail{display:flex;flex-direction:column;gap:18px;position:sticky;top:88px}
.rail-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:20px 20px 18px;box-shadow:var(--shadow-sm)}
.rail-card__title{font-size:17px;margin:0 0 8px;font-weight:600}
.rail-card p{font-size:15px;line-height:1.55;color:var(--ink-soft);margin:0}
.rail-card__link{display:inline-block;margin-top:12px;font-weight:600;font-size:14.5px;text-decoration:none}

/* ---------- Calculator card ---------- */
.calc{background:var(--surface);border:1px solid var(--line-strong);border-radius:18px;box-shadow:var(--shadow);padding:30px 32px 26px;position:relative}
.calc::before{content:"";position:absolute;inset:0 0 auto;height:5px;border-radius:18px 18px 0 0;background:linear-gradient(90deg,var(--accent),#2f9e84)}
.calc__head{margin-bottom:22px}
.calc__title{font-size:27px;margin:8px 0 6px;font-weight:600}
.calc__lede{margin:0;color:var(--ink-soft);font-size:16px;line-height:1.5}
.field{margin-top:24px}
.field--split{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.field__label{display:block;font-weight:600;font-size:17px;color:var(--ink);margin-bottom:5px}
.field__hint{margin:0 0 11px;font-size:14px;line-height:1.45;color:var(--ink-faint)}
.field__hint b{color:var(--ink-soft);font-weight:600}

.control{width:100%;font-family:var(--sans);font-size:17px;color:var(--ink);background:var(--surface-2);border:1.5px solid var(--line-strong);border-radius:11px;padding:14px 15px;transition:border-color .15s,box-shadow .15s}
.control:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 4px var(--accent-wash)}
.select-wrap{position:relative}
.select-wrap::after{content:"";position:absolute;right:18px;top:50%;width:10px;height:10px;border-right:2px solid var(--ink-soft);border-bottom:2px solid var(--ink-soft);transform:translateY(-65%) rotate(45deg);pointer-events:none}
select.control{appearance:none;-webkit-appearance:none;padding-right:42px;cursor:pointer;line-height:1.35}
select.control option,select.control optgroup{background-color:#ffffff;color:var(--ink)}
select.control option{padding:8px 10px}
select.control optgroup{font-weight:700;color:var(--ink-soft)}

/* Custom opaque dropdown (JS-enhanced — replaces the native popup) */
.cdd{position:relative}
.cdd[data-open="true"]::after{transform:translateY(-35%) rotate(-135deg)}
.cdd__btn{width:100%;text-align:left;font-family:var(--sans);font-size:17px;color:var(--ink);background:var(--surface-2);border:1.5px solid var(--line-strong);border-radius:11px;padding:14px 44px 14px 15px;cursor:pointer;line-height:1.4;transition:border-color .15s,box-shadow .15s}
.cdd__btn:focus-visible{outline:none;border-color:var(--accent);box-shadow:0 0 0 4px var(--accent-wash)}
.cdd[data-open="true"] .cdd__btn{border-color:var(--accent);box-shadow:0 0 0 4px var(--accent-wash)}
.cdd__label--ph{color:var(--ink-faint)}
.cdd__panel{position:absolute;z-index:30;left:0;right:0;top:calc(100% + 7px);background:#ffffff;border:1px solid var(--line-strong);border-radius:13px;box-shadow:0 22px 50px -18px rgba(16,60,50,.45),0 4px 12px -6px rgba(16,60,50,.2);padding:6px;max-height:330px;overflow-y:auto;display:none}
.cdd__panel.is-open{display:block}
.cdd__group{font-size:12px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-faint);padding:11px 12px 6px}
.cdd__group+.cdd__opt{margin-top:0}
.cdd__opt{padding:11px 12px;border-radius:9px;font-size:16px;color:var(--ink);cursor:pointer;line-height:1.4}
.cdd__opt:hover,.cdd__opt.is-active{background:var(--accent-wash);color:var(--accent-deep)}
.cdd__opt[aria-selected="true"]{background:var(--accent);color:#fff}

.money{position:relative;display:flex;align-items:center}
.money__sym{position:absolute;left:15px;font-size:17px;color:var(--ink-faint);font-weight:600;pointer-events:none}
.control--money{padding-left:30px;font-variant-numeric:tabular-nums;letter-spacing:.01em}

/* Segmented control */
.segment{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;background:var(--surface-2);border:1.5px solid var(--line-strong);border-radius:12px;padding:5px}
.segment__opt{position:relative;display:flex;align-items:center;justify-content:center;text-align:center;padding:11px 8px;border-radius:8px;font-size:15.5px;font-weight:600;color:var(--ink-soft);cursor:pointer;transition:background .15s,color .15s}
.segment__opt input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer}
.segment__opt:hover{color:var(--ink)}
.segment__opt:has(input:checked){background:var(--accent);color:#fff;box-shadow:var(--shadow-sm)}
.segment__opt:has(input:focus-visible){outline:2px solid var(--accent);outline-offset:2px}

.calc__actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.calc__note{margin:16px 0 0;font-size:13px;color:var(--ink-faint);line-height:1.5}

/* ---------- Buttons ---------- */
.btn{font-family:var(--sans);font-size:16.5px;font-weight:600;border-radius:11px;padding:14px 22px;border:1.5px solid transparent;cursor:pointer;transition:background .15s,border-color .15s,color .15s,transform .05s;line-height:1.1}
.btn:active{transform:translateY(1px)}
.btn--primary{background:var(--accent);color:#fff;flex:1 1 auto;min-width:240px}
.btn--primary:hover{background:var(--accent-deep)}
.btn--ghost{background:transparent;color:var(--ink-soft);border-color:var(--line-strong)}
.btn--ghost:hover{border-color:var(--ink-faint);color:var(--ink)}
.btn--soft{background:var(--accent-wash);color:var(--accent-deep);border-color:var(--accent-line)}
.btn--soft:hover{background:#dcebe6;background:#daeee8}

/* ---------- Result ---------- */
.result{margin-top:24px;scroll-margin-top:90px}
.verdict{border-radius:18px;border:1px solid var(--line);overflow:hidden;box-shadow:var(--shadow-sm);background:var(--surface)}
.verdict__top{display:flex;gap:16px;align-items:flex-start;padding:24px 26px}
.verdict__icon{flex:none;width:46px;height:46px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:24px;font-weight:700;color:#fff}
.verdict__h{font-family:var(--serif);font-size:24px;font-weight:600;margin:0 0 8px;line-height:1.22}
.verdict__reason{margin:0;font-size:16px;line-height:1.55;color:var(--ink-soft)}
.verdict--yes .verdict__top{background:var(--positive-wash)}
.verdict--yes .verdict__icon{background:var(--positive)}
.verdict--yes .verdict__h{color:#0c5a40}
.verdict--no .verdict__top{background:var(--negative-wash)}
.verdict--no .verdict__icon{background:var(--negative)}
.verdict--no .verdict__h{color:#8a352c}
.verdict--maybe .verdict__top{background:var(--caution-wash)}
.verdict--maybe .verdict__icon{background:var(--caution)}
.verdict--maybe .verdict__h{color:#7d550f}

.verdict__body{padding:6px 26px 24px}
.refund{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:14px 0 6px}
.refund__cell{background:var(--surface-2);border:1px solid var(--line);border-radius:13px;padding:16px 18px}
.refund__cell--hero{grid-column:1/-1;background:linear-gradient(180deg,var(--accent-wash),#f3faf7);border-color:var(--accent-line)}
.refund__k{font-size:13.5px;color:var(--ink-faint);font-weight:600;letter-spacing:.02em;margin:0 0 4px;display:flex;align-items:center;gap:7px}
.refund__v{font-family:var(--serif);font-size:30px;font-weight:600;color:var(--ink);line-height:1;font-variant-numeric:tabular-nums}
.refund__cell--hero .refund__v{font-size:40px;color:var(--accent-deep)}
.refund__sub{font-size:13px;color:var(--ink-faint);margin:6px 0 0}

.breakdown{margin-top:18px;border-top:1px dashed var(--line-strong);padding-top:16px}
.breakdown h4{font-family:var(--sans);font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--ink-faint);margin:0 0 10px}
.breakdown__row{display:flex;justify-content:space-between;gap:14px;font-size:15px;padding:6px 0;border-bottom:1px solid var(--line)}
.breakdown__row:last-child{border-bottom:0}
.breakdown__row span:first-child{color:var(--ink-soft)}
.breakdown__row b{font-variant-numeric:tabular-nums;font-weight:600}
.tierpill{display:inline-block;font-size:12px;font-weight:600;padding:2px 9px;border-radius:999px;background:var(--accent-wash);color:var(--accent-deep);margin-left:8px}

.nextstep{margin-top:18px;background:var(--surface-2);border:1px solid var(--line);border-left:3px solid var(--accent);border-radius:11px;padding:16px 18px}
.nextstep h4{font-size:16px;margin:0 0 8px;font-family:var(--serif);font-weight:600}
.nextstep p{margin:0 0 8px;font-size:15px;color:var(--ink-soft);line-height:1.55}
.nextstep p:last-child{margin-bottom:0}
.nextstep a{font-weight:600}
.result__disclaim{font-size:12.5px;color:var(--ink-faint);margin:14px 2px 0;line-height:1.5}

.err{margin-top:14px;background:var(--negative-wash);border:1px solid #e7c4bd;color:#8a352c;border-radius:11px;padding:13px 16px;font-size:15px;font-weight:500}

/* ---------- Prose / explainer ---------- */
.prose{padding:30px 0}
.prose__wrap{max-width:760px}
.kicker{display:block;font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--accent);margin-bottom:8px}
.prose h2,.brackets h2,.faq h2{font-size:clamp(26px,3.4vw,34px);font-weight:600;margin:0 0 14px;line-height:1.15;letter-spacing:-.02em}
.prose h3{font-size:22px;font-weight:600;margin:30px 0 10px}
.prose p{margin:0 0 16px;color:var(--ink-soft);line-height:1.62;font-size:17.5px;text-wrap:pretty}
.prose p b{color:var(--ink);font-weight:600}
.events,.steps{margin:8px 0 16px;padding-left:0;list-style:none;counter-reset:n}
.events li,.steps li{position:relative;padding:10px 0 10px 44px;color:var(--ink-soft);font-size:17px;line-height:1.5;border-bottom:1px solid var(--line)}
.events li:last-child,.steps li:last-child{border-bottom:0}
.events li b,.steps li b{color:var(--ink)}
.events li::before,.steps li::before{counter-increment:n;content:counter(n);position:absolute;left:0;top:9px;width:30px;height:30px;border-radius:8px;background:var(--accent-wash);color:var(--accent-deep);font-family:var(--sans);font-weight:700;font-size:14px;display:flex;align-items:center;justify-content:center;border:1px solid var(--accent-line)}

.callout{margin:26px 0;border-radius:16px;padding:22px 24px}
.callout--warn{background:var(--caution-wash);border:1px solid #ecd9ad}
.callout--warn h3{margin:0 0 10px;font-size:21px;color:#6f4d10}
.callout--warn p{color:#5f4a22;margin-bottom:12px;font-size:16.5px}
.callout--warn p:last-child{margin-bottom:0}
.callout .u{color:var(--negative);text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:3px}

/* ---------- Brackets ---------- */
.brackets{padding:30px 0}
.brackets .wrap{max-width:980px}
.brackets__lede{max-width:680px;color:var(--ink-soft);font-size:17px;margin:0 0 18px}
.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:14px;background:var(--surface);box-shadow:var(--shadow-sm)}
.bracket-table{width:100%;border-collapse:collapse;font-size:16px;min-width:560px}
.bracket-table th{text-align:left;font-family:var(--sans);font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:var(--ink-faint);font-weight:700;padding:14px 18px;background:var(--surface-2);border-bottom:1px solid var(--line-strong)}
.bracket-table td{padding:13px 18px;border-bottom:1px solid var(--line);color:var(--ink-soft)}
.bracket-table tbody tr:last-child td{border-bottom:0}
.bracket-table tbody tr:nth-child(odd) td{background:#fcfdfd}
.bracket-table .num{font-variant-numeric:tabular-nums;color:var(--ink);font-weight:600;white-space:nowrap}
.brackets__foot{font-size:15px;color:var(--ink-faint);margin:16px 0 0;max-width:760px}

/* ---------- FAQ ---------- */
.faq{padding:30px 0 50px}
.faq__list{margin-top:18px;border-top:1px solid var(--line)}
.faq__item{border-bottom:1px solid var(--line)}
.faq__item summary{list-style:none;cursor:pointer;padding:18px 40px 18px 2px;font-family:var(--serif);font-size:19.5px;font-weight:600;color:var(--ink);position:relative}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary::after{content:"+";position:absolute;right:6px;top:14px;font-size:26px;font-weight:400;color:var(--accent);transition:transform .2s}
.faq__item[open] summary::after{transform:rotate(45deg)}
.faq__a{padding:0 2px 20px}
.faq__a p{margin:0;color:var(--ink-soft);font-size:16.5px;line-height:1.6}

/* ---------- Footer ---------- */
.site-footer{background:#0e1816;color:#c7d3cf;padding:48px 0 32px;margin-top:20px}
.site-footer a{color:#cfe6df;text-decoration:none}
.site-footer a:hover{color:#fff}
.footer__cols{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:36px}
.footer__brand{display:flex;gap:14px;align-items:flex-start}
.footer__badge{flex:none;width:38px;height:38px;border-radius:9px;background:var(--accent);color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:700;font-size:20px}
.footer__name{color:#fff;font-size:19px}
.footer__name .brand__tld{color:#5cc2a8}
.footer__tag{margin:7px 0 0;font-size:14.5px;color:#9fb0ab;line-height:1.55;max-width:38ch}
.footer__col h4{color:#fff;font-family:var(--sans);font-size:13px;letter-spacing:.08em;text-transform:uppercase;margin:0 0 14px}
.footer__col a{display:block;padding:5px 0;font-size:15px}
.footer__rule{border:0;border-top:1px solid #243430;margin:34px 0 22px}
.footer__legal{font-size:13px;line-height:1.65;color:#8fa19c;max-width:none;margin:0 0 20px}
.footer__legal b{color:#cfe6df}
.footer__bottom{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.footer__copy{font-size:13px;color:#8fa19c;margin:0}
.footer__privacy{background:none;border:1px solid #2d3f3a;color:#cfe6df;font-family:var(--sans);font-size:14px;font-weight:600;padding:8px 16px;border-radius:8px;cursor:pointer}
.footer__privacy:hover{background:#1a2723;border-color:#3a4f49}

/* ---------- Mobile sticky ad ---------- */
.ad-sticky{position:fixed;left:0;right:0;bottom:0;z-index:45;display:none;align-items:center;justify-content:center;height:54px;background:#eef2f1;border-top:1px solid var(--line-strong);box-shadow:0 -4px 14px rgba(16,40,35,.08)}
.ad-sticky .ad-slot__label{position:absolute;top:3px;left:10px}
.ad-sticky__close{position:absolute;right:6px;top:50%;transform:translateY(-50%);width:30px;height:30px;border:none;background:rgba(255,255,255,.7);border-radius:50%;font-size:20px;line-height:1;color:var(--ink-soft);cursor:pointer}
/* Only show the sticky chrome once an ad actually fills (no empty bar pre-fill). */
.ad-sticky.is-on:has(ins[data-ad-status="filled"]){display:flex}

/* ---------- Modals ---------- */
.modal{position:fixed;inset:0;z-index:60;display:flex;align-items:center;justify-content:center;padding:20px}
.modal__scrim{position:absolute;inset:0;background:rgba(14,24,22,.5);backdrop-filter:blur(2px)}
.modal__panel{position:relative;background:var(--surface);width:min(640px,100%);max-height:86vh;display:flex;flex-direction:column;border-radius:18px;box-shadow:0 30px 80px -20px rgba(0,0,0,.4);overflow:hidden}
.modal__head{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:20px 24px;border-bottom:1px solid var(--line)}
.modal__head h2{font-size:21px;margin:0;font-weight:600}
.modal__x{width:36px;height:36px;border:none;background:var(--surface-2);border-radius:9px;font-size:22px;color:var(--ink-soft);cursor:pointer;flex:none}
.modal__x:hover{background:var(--line)}
.modal__body{padding:22px 24px;overflow-y:auto;font-size:16px;line-height:1.6;color:var(--ink-soft)}
.modal__body h3{font-size:17px;color:var(--ink);margin:20px 0 8px}
.modal__body h3:first-child{margin-top:0}
.modal__body p{margin:0 0 12px}
.modal__body ul{margin:0 0 12px;padding-left:20px}
.modal__body li{margin:0 0 7px}
.modal__body strong{color:var(--ink)}
.modal__body .lead{background:var(--accent-wash);border:1px solid var(--accent-line);border-radius:12px;padding:14px 16px;color:var(--accent-deep)}
.modal__foot{padding:16px 24px;border-top:1px solid var(--line);display:flex;justify-content:flex-end}
.modal__foot--split{justify-content:space-between}

/* ---------- Cookie consent (vendored CookieConsent v3 theme) ----------
   Map CookieConsent v3's CSS variables onto the site palette so the banner
   and preferences modal match the brand. The library renders the markup;
   we only theme it. */
#cc-main{
  --cc-font-family:var(--sans);
  --cc-bg:var(--surface);
  --cc-primary-color:var(--ink);
  --cc-secondary-color:var(--ink-soft);
  --cc-btn-primary-bg:var(--accent);
  --cc-btn-primary-color:#fff;
  --cc-btn-primary-hover-bg:var(--accent-deep);
  --cc-btn-secondary-bg:var(--surface-2);
  --cc-btn-secondary-color:var(--ink);
  --cc-btn-secondary-hover-bg:var(--line);
  --cc-btn-border-radius:9px;
  --cc-toggle-on-bg:var(--accent);
  --cc-separator-border-color:var(--line);
  --cc-cookie-category-block-bg:var(--surface-2);
  --cc-cookie-category-block-bg-hover:var(--line);
  --cc-overlay-bg:rgba(14,24,22,.5);
  --cc-modal-border-radius:18px;
}

/* ---------- Responsive ---------- */
@media (max-width:980px){
  .tool__grid{grid-template-columns:1fr}
  .tool__rail{position:static;flex-direction:row;flex-wrap:wrap}
  .rail-card{flex:1 1 300px}
  .ad-slot--halfpage{display:none}
  .footer__cols{grid-template-columns:1fr 1fr}
  .footer__brand{grid-column:1/-1}
}
@media (max-width:720px){
  body{font-size:17px}
  .site-nav__link{display:none}
  .hero{padding:34px 0 14px}
  .calc{padding:24px 20px 22px}
  .calc__title{font-size:23px}
  .field--split{grid-template-columns:1fr;gap:18px}
  .segment{grid-template-columns:1fr;gap:6px}
  .segment__opt{justify-content:flex-start;padding:12px 14px}
  .refund{grid-template-columns:1fr}
  .btn--primary{min-width:0;width:100%}
  .calc__actions{flex-direction:column}
  .footer__cols{grid-template-columns:1fr}
  .footer__bottom{flex-direction:column;align-items:flex-start}
  .ad-sticky.is-on:has(ins[data-ad-status="filled"]){display:flex}
  body.has-sticky:has(.ad-sticky ins[data-ad-status="filled"]){padding-bottom:54px}
}
@media (min-width:721px){
  .ad-sticky{display:none !important}
}

@media (prefers-reduced-motion:reduce){
  *{transition:none !important}
}