/* ==========================================================================
   Retire Today: design system
   DM Sans, royal blue, navy. Mobile-first. No layout shift. WCAG 2.2 AA.
   ========================================================================== */

/* ---- fonts (self-hosted, latin) ---------------------------------------- */
@font-face { font-family: "DM Sans"; font-style: normal; font-weight: 400; font-display: swap; src: url("/assets/fonts/dm-sans-400.woff2") format("woff2"); }
@font-face { font-family: "DM Sans"; font-style: normal; font-weight: 500; font-display: swap; src: url("/assets/fonts/dm-sans-500.woff2") format("woff2"); }
@font-face { font-family: "DM Sans"; font-style: normal; font-weight: 600; font-display: swap; src: url("/assets/fonts/dm-sans-600.woff2") format("woff2"); }
@font-face { font-family: "DM Sans"; font-style: normal; font-weight: 700; font-display: swap; src: url("/assets/fonts/dm-sans-700.woff2") format("woff2"); }

/* ---- tokens ------------------------------------------------------------- */
:root {
  --rt-blue: #2235DD;
  --rt-blue-dark: #1A2BC6;
  --rt-navy: #05060F;
  --rt-navy-2: #131739;
  --rt-lav: #F0F1FD;
  --rt-lav-2: #E4E7FD;
  --rt-white: #FFFFFF;
  --rt-text: #222222;
  --rt-muted: #4a4d5e;
  --rt-border: #d9dcf2;
  --rt-good: #15803d;
  --rt-no: #9a3412;

  --rt-font: "DM Sans", system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  --rt-maxw: 1120px;
  --rt-narrow: 760px;
  --rt-radius: 10px;
  --rt-radius-lg: 16px;
  --rt-shadow: 0 1px 2px rgba(5,6,15,.06), 0 8px 24px rgba(5,6,15,.06);
  --rt-gap: clamp(1.5rem, 4vw, 3rem);
}

/* ---- reset-ish ---------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--rt-font);
  font-weight: 400;
  color: var(--rt-text);
  background: var(--rt-white);
  line-height: 1.6;
  font-size: 1.0625rem;
  -webkit-font-smoothing: antialiased;
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}
img, picture, svg { max-width: 100%; display: block; }
a { color: var(--rt-blue-dark); text-underline-offset: 2px; }
a:hover { color: var(--rt-navy-2); }
h1, h2, h3 { font-weight: 600; line-height: 1.2; color: var(--rt-navy); margin: 0 0 .5em; }
h1 { font-size: clamp(1.9rem, 4.5vw, 3rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); letter-spacing: -0.01em; }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1rem; }
ul, ol { margin: 0 0 1rem; padding-left: 1.25rem; }
strong { font-weight: 600; }

/* ---- focus / a11y ------------------------------------------------------- */
:focus-visible { outline: 3px solid var(--rt-blue); outline-offset: 2px; border-radius: 4px; }
.rt-visually-hidden {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.rt-skip {
  position: absolute; left: -999px; top: 0; z-index: 1000;
  background: var(--rt-blue); color: #fff; padding: .6rem 1rem; border-radius: 0 0 var(--rt-radius) 0;
}
.rt-skip:focus { left: 0; color: #fff; }

/* ---- layout ------------------------------------------------------------- */
.rt-container { width: 100%; max-width: var(--rt-maxw); margin: 0 auto; padding: 0 16px; }
.rt-container--narrow { max-width: var(--rt-narrow); }
.rt-section { padding: clamp(2.5rem, 6vw, 4.5rem) 0; }
.rt-section--muted { background: var(--rt-lav); }
.rt-section__intro { max-width: 720px; color: var(--rt-muted); margin-bottom: 1.75rem; }
.rt-muted { color: var(--rt-muted); }
.rt-lead { font-size: 1.15rem; }

/* ---- buttons ------------------------------------------------------------ */
.rt-btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  background: var(--rt-blue); color: #fff; font-weight: 700; font-size: 1.0625rem;
  padding: .85rem 1.5rem; border-radius: var(--rt-radius); border: 2px solid var(--rt-blue);
  text-decoration: none; cursor: pointer; transition: background .15s, border-color .15s, transform .05s;
  line-height: 1.2; text-align: center;
}
.rt-btn:hover { background: var(--rt-blue-dark); border-color: var(--rt-blue-dark); color: #fff; }
.rt-btn:active { transform: translateY(1px); }
.rt-btn--sm { padding: .55rem 1rem; font-size: 1rem; }
.rt-btn--block { width: 100%; }
/* Outline button. Light backgrounds: blue text + blue border (7.4:1 on white).
   Dark backgrounds (hero, CTA band, cookie banner): white text + white border. */
.rt-btn--ghost { background: transparent; color: var(--rt-blue-dark); border-color: var(--rt-blue-dark); }
.rt-btn--ghost:hover { background: var(--rt-lav); color: var(--rt-navy-2); border-color: var(--rt-navy-2); }
.rt-hero .rt-btn--ghost, .rt-cta-band .rt-btn--ghost { color: #fff; border-color: #fff; background: rgba(5,6,15,.35); }
.rt-hero .rt-btn--ghost:hover, .rt-cta-band .rt-btn--ghost:hover { background: #fff; color: var(--rt-navy-2); border-color: #fff; }
.rt-btn--invert { background: #fff; color: var(--rt-blue-dark); border-color: #fff; }
.rt-btn--invert:hover { background: var(--rt-lav); color: var(--rt-navy); border-color: var(--rt-lav); }

/* ---- header / nav ------------------------------------------------------- */
.rt-header { background: #fff; border-bottom: 1px solid var(--rt-border); position: sticky; top: 0; z-index: 100; }
.rt-header__inner { display: flex; align-items: center; justify-content: space-between; min-height: 64px; gap: 1rem; }
.rt-logo { display: inline-flex; align-items: center; }
.rt-logo { flex-shrink: 0; }
.rt-logo img { height: 40px; width: auto; display: block; }
@media (max-width: 420px) { .rt-logo img { height: 36px; } }
.rt-nav { display: flex; align-items: center; gap: 1.5rem; }
.rt-nav ul { display: flex; gap: 1.25rem; list-style: none; margin: 0; padding: 0; }
.rt-nav a { color: var(--rt-navy-2); text-decoration: none; font-weight: 500; }
.rt-nav a:hover { color: var(--rt-blue); }
.rt-nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 10px; }
.rt-nav-toggle span { display: block; width: 24px; height: 2px; background: var(--rt-navy); margin: 5px 0; transition: .2s; }
.rt-header--minimal .rt-header__inner { justify-content: flex-start; }

@media (max-width: 820px) {
  .rt-nav-toggle { display: block; }
  .rt-nav {
    position: absolute; top: 100%; left: 0; right: 0; background: #fff;
    flex-direction: column; align-items: stretch; gap: .5rem; padding: 1rem 16px 1.25rem;
    border-bottom: 1px solid var(--rt-border); box-shadow: var(--rt-shadow);
    display: none;
  }
  .rt-nav.is-open { display: flex; }
  .rt-nav ul { flex-direction: column; gap: .25rem; }
  .rt-nav a { display: block; padding: .6rem 0; border-bottom: 1px solid var(--rt-lav-2); }
  .rt-nav .rt-btn { margin-top: .5rem; }
}

/* ---- hero --------------------------------------------------------------- */
.rt-hero { position: relative; color: #fff; isolation: isolate; }
.rt-hero--plain { background: linear-gradient(160deg, var(--rt-navy-2) 0%, var(--rt-navy) 55%, #0b1a6b 140%); }
.rt-hero__bg { position: absolute; inset: 0; z-index: -2; overflow: hidden; }
.rt-hero__bg .rt-media { width: 100%; height: 100%; }
.rt-hero__bg img { width: 100%; height: 100%; object-fit: cover; }
.rt-hero--photo::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(180deg, rgba(5,6,15,.72), rgba(5,6,15,.82));
}
.rt-hero__inner { padding: clamp(3rem, 8vw, 6rem) 16px; max-width: 820px; }
.rt-hero h1 { color: #fff; }
.rt-hero__sub { font-size: 1.15rem; color: #eef0ff; max-width: 60ch; }
.rt-eyebrow { text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; font-weight: 600; color: var(--rt-lav-2); margin: 0 0 1rem; }
.rt-hero--plain .rt-eyebrow, .rt-hero--photo .rt-eyebrow { color: #c3c8ff; }
.rt-hero__cta { display: flex; flex-wrap: wrap; gap: .75rem; margin: 1.5rem 0 .5rem; }
.rt-cta-tagline { font-weight: 600; color: #fff; margin: .25rem 0 0; }
.rt-hero__notice { font-size: .95rem; color: #d6d9ff; margin-top: 1.25rem; max-width: 56ch; }
.rt-trust { list-style: none; margin: 1.5rem 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: .5rem .9rem; }
.rt-trust li { position: relative; padding-left: 1.5rem; font-size: .95rem; color: #eef0ff; }
.rt-trust li::before { content: "\2713"; position: absolute; left: 0; color: #8be0a0; font-weight: 700; }

/* ---- generic lists ------------------------------------------------------ */
.rt-list { list-style: none; margin: 1rem 0; padding: 0; }
.rt-list li { position: relative; padding-left: 1.6rem; margin-bottom: .6rem; }
.rt-list li::before { content: ""; position: absolute; left: .1rem; top: .62em; width: .5rem; height: .5rem; border-radius: 50%; background: var(--rt-blue); }
.rt-ol { padding-left: 1.3rem; }
.rt-ol li { margin-bottom: .4rem; }
.rt-linklist { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: .6rem; }
.rt-linklist a { display: inline-block; padding: .55rem .95rem; border: 1px solid var(--rt-border); border-radius: var(--rt-radius); text-decoration: none; background: #fff; }
.rt-linklist a:hover { border-color: var(--rt-blue); background: var(--rt-lav); }

/* ---- media -------------------------------------------------------------- */
.rt-media { overflow: hidden; border-radius: var(--rt-radius-lg); background: var(--rt-lav-2); }
.rt-media--wide { aspect-ratio: 16 / 9; }
.rt-media--cover { border-radius: 0; aspect-ratio: auto; }
.rt-media img { width: 100%; height: 100%; object-fit: cover; }

/* ---- cards -------------------------------------------------------------- */
.rt-cards { display: grid; gap: 1.25rem; grid-template-columns: 1fr; }
@media (min-width: 720px) { .rt-cards--2 { grid-template-columns: 1fr 1fr; } .rt-cards--3 { grid-template-columns: repeat(3, 1fr); } }
.rt-card { background: #fff; border: 1px solid var(--rt-border); border-radius: var(--rt-radius-lg); padding: 1.5rem; box-shadow: var(--rt-shadow); }
.rt-card h3 { color: var(--rt-blue-dark); }

/* ---- comparison table --------------------------------------------------- */
.rt-section--table h2 { margin-bottom: .4rem; }
.rt-table-scroll { overflow-x: auto; border-radius: var(--rt-radius-lg); border: 1px solid var(--rt-border); }
.rt-table { width: 100%; border-collapse: collapse; min-width: 720px; background: #fff; }
.rt-table th, .rt-table td { padding: .9rem 1rem; text-align: left; vertical-align: top; border-bottom: 1px solid var(--rt-border); font-size: .98rem; }
.rt-table thead th { background: var(--rt-navy-2); color: #fff; font-weight: 600; position: sticky; top: 0; }
.rt-table thead th.rt-th-blank { background: var(--rt-navy-2); }
.rt-table tbody th[scope="row"] { font-weight: 600; color: var(--rt-navy); background: var(--rt-lav); width: 22%; }
.rt-table td:last-child { background: #f7f8ff; }
.rt-table tbody tr:last-child th, .rt-table tbody tr:last-child td { border-bottom: 0; }

@media (max-width: 720px) {
  .rt-table { min-width: 0; }
  .rt-table thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .rt-table, .rt-table tbody, .rt-table tr, .rt-table th, .rt-table td { display: block; }
  .rt-table tr { border-bottom: 2px solid var(--rt-border); padding: .25rem 0 .5rem; }
  .rt-table tbody th[scope="row"] { width: auto; background: var(--rt-navy-2); color: #fff; border-radius: var(--rt-radius) var(--rt-radius) 0 0; }
  .rt-table td { border-bottom: 1px solid var(--rt-lav-2); }
  .rt-table td::before { content: attr(data-label); display: block; font-weight: 600; color: var(--rt-blue-dark); font-size: .8rem; text-transform: uppercase; letter-spacing: .03em; margin-bottom: .15rem; }
  .rt-table td:last-child { background: #f7f8ff; }
}

/* ---- what you may receive ---------------------------------------------- */
.rt-receive { background: var(--rt-lav); border: 1px solid var(--rt-lav-2); border-left: 5px solid var(--rt-blue); border-radius: var(--rt-radius-lg); padding: 1.5rem 1.75rem; }
.rt-receive h2 { font-size: 1.3rem; }
.rt-receive__lead { font-size: 1.1rem; }

/* ---- how it works ------------------------------------------------------- */
.rt-steps { list-style: none; margin: 1.5rem 0 0; padding: 0; display: grid; gap: 1.25rem; grid-template-columns: 1fr; counter-reset: step; }
@media (min-width: 760px) { .rt-steps { grid-template-columns: repeat(3, 1fr); } }
.rt-step { display: flex; gap: 1rem; align-items: flex-start; }
.rt-step__num { flex: 0 0 auto; width: 2.4rem; height: 2.4rem; border-radius: 50%; background: var(--rt-blue); color: #fff; font-weight: 700; display: inline-flex; align-items: center; justify-content: center; }
.rt-step h3 { margin-bottom: .25rem; }
.rt-step p { margin: 0; color: var(--rt-muted); }

/* ---- fit (good / not) --------------------------------------------------- */
.rt-fit { display: grid; gap: 1.25rem; grid-template-columns: 1fr; margin-top: 1rem; }
@media (min-width: 720px) { .rt-fit { grid-template-columns: 1fr 1fr; } }
.rt-fit__col { background: #fff; border: 1px solid var(--rt-border); border-radius: var(--rt-radius-lg); padding: 1.5rem; }
.rt-fit__col--good { border-top: 4px solid var(--rt-good); }
.rt-fit__col--no { border-top: 4px solid var(--rt-no); }
.rt-check, .rt-cross { list-style: none; margin: 0; padding: 0; }
.rt-check li, .rt-cross li { position: relative; padding-left: 1.8rem; margin-bottom: .6rem; }
.rt-check li::before { content: "\2713"; position: absolute; left: 0; color: var(--rt-good); font-weight: 700; }
.rt-cross li::before { content: "\2715"; position: absolute; left: 0; color: var(--rt-no); font-weight: 700; }
.rt-regulated { margin-top: 1.5rem; background: var(--rt-navy-2); color: #fff; padding: 1rem 1.25rem; border-radius: var(--rt-radius); font-size: .98rem; }
.rt-regulated a { color: #cdd3ff; }

/* ---- FAQ ---------------------------------------------------------------- */
.rt-faq { border: 1px solid var(--rt-border); border-radius: var(--rt-radius); margin-bottom: .75rem; background: #fff; overflow: hidden; }
.rt-faq summary { cursor: pointer; padding: 1rem 1.25rem; font-weight: 600; color: var(--rt-navy); list-style: none; position: relative; padding-right: 2.75rem; }
.rt-faq summary::-webkit-details-marker { display: none; }
.rt-faq summary::after { content: "+"; position: absolute; right: 1.1rem; top: 50%; transform: translateY(-50%); font-weight: 700; color: var(--rt-blue); font-size: 1.3rem; }
.rt-faq[open] summary::after { content: "\2212"; }
.rt-faq__a { padding: 0 1.25rem 1rem; color: var(--rt-muted); }
.rt-faq__a p { margin: 0; }

/* ---- form --------------------------------------------------------------- */
.rt-section--form { background: var(--rt-lav); }
.rt-form__intro { color: var(--rt-muted); margin-bottom: 1.5rem; }
.rt-form { background: #fff; border: 1px solid var(--rt-border); border-radius: var(--rt-radius-lg); padding: clamp(1.25rem, 3vw, 2rem); box-shadow: var(--rt-shadow); }
.rt-field { margin-bottom: 1.1rem; }
.rt-field label { display: block; font-weight: 600; margin-bottom: .35rem; color: var(--rt-navy); }
.rt-field input, .rt-field select, .rt-field textarea {
  width: 100%; font: inherit; color: var(--rt-text); padding: .75rem .85rem;
  border: 1px solid var(--rt-border); border-radius: var(--rt-radius); background: #fff;
}
.rt-field input:focus, .rt-field select:focus, .rt-field textarea:focus { border-color: var(--rt-blue); outline: 3px solid rgba(34,53,221,.25); outline-offset: 0; }
.rt-field__desc { font-size: .9rem; color: var(--rt-muted); margin: .4rem 0 0; }
.rt-req { color: var(--rt-no); }
.rt-field--consent { margin-top: .5rem; }
.rt-consent { display: flex; gap: .6rem; align-items: flex-start; font-weight: 400; }
.rt-consent input { width: auto; margin-top: .3rem; flex: 0 0 auto; }
.rt-consent span { font-weight: 400; color: var(--rt-text); }
.rt-hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; opacity: 0; }
.rt-form__note { font-size: .88rem; color: var(--rt-muted); margin: 1rem 0 0; }
.rt-form__note--reg { background: var(--rt-lav); border-radius: var(--rt-radius); padding: .75rem .9rem; }
.rt-regulated-note { margin-top: .75rem; padding: .85rem 1rem; background: var(--rt-navy-2); color: #fff; border-radius: var(--rt-radius); font-size: .95rem; }

/* ---- CTA band ----------------------------------------------------------- */
.rt-cta-band { background: linear-gradient(160deg, var(--rt-blue) 0%, var(--rt-blue-dark) 100%); color: #fff; text-align: center; }
.rt-cta-band h2 { color: #fff; }
.rt-cta-band p { color: #eaecff; margin-bottom: 1.5rem; }

/* ---- contact / thank-you / 404 / legal --------------------------------- */
.rt-contact { background: var(--rt-lav); border-radius: var(--rt-radius-lg); padding: 1.75rem; }
.rt-thankyou { text-align: left; }
.rt-tagline-line { font-weight: 600; color: var(--rt-blue-dark); }
.rt-notfound .rt-lead { margin-bottom: 1.5rem; }
.rt-notfound .rt-eyebrow { color: var(--rt-blue-dark); }
.rt-legal h2 { font-size: 1.3rem; margin-top: 2rem; }
.rt-legal ul { margin-bottom: 1rem; }

/* ---- footer ------------------------------------------------------------- */
.rt-footer { background: var(--rt-navy); color: #c9ccdb; padding: clamp(2.5rem, 6vw, 4rem) 0 2rem; font-size: .95rem; }
.rt-footer a { color: #d6d9ff; text-decoration: none; }
.rt-footer a:hover { color: #fff; text-decoration: underline; }
.rt-footer__top { display: grid; gap: 2rem; grid-template-columns: 1fr; margin-bottom: 2rem; }
@media (min-width: 760px) { .rt-footer__top { grid-template-columns: 1.3fr 1fr; } }
.rt-footer__brand img { height: 84px; width: auto; max-width: 100%; margin-bottom: 1rem; display: block; }
.rt-footer__brand p { margin: .25rem 0; }
.rt-footer__contact { font-size: .9rem; line-height: 1.7; }
.rt-footer__nav { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; }
.rt-footer__nav h2 { font-size: .85rem; text-transform: uppercase; letter-spacing: .06em; color: #fff; margin-bottom: .75rem; }
.rt-footer__nav ul { list-style: none; margin: 0; padding: 0; }
.rt-footer__nav li { margin-bottom: .45rem; }
.rt-footer__legal { border-top: 1px solid rgba(255,255,255,.12); padding-top: 1.5rem; }
.rt-disclaimer { font-size: .82rem; color: #9aa0bd; line-height: 1.6; margin-bottom: 1rem; }
.rt-disclaimer--tax { color: #8f95b5; }
.rt-copyright { font-size: .82rem; color: #8f95b5; margin: 0; }

/* ---- cookie banner ------------------------------------------------------ */
.rt-cookie { position: fixed; bottom: 0; left: 0; right: 0; z-index: 200; background: var(--rt-navy-2); color: #fff; box-shadow: 0 -4px 24px rgba(0,0,0,.25); }
.rt-cookie__inner { display: flex; flex-wrap: wrap; align-items: center; gap: 1rem; padding: 1rem 16px; }
.rt-cookie p { margin: 0; flex: 1 1 320px; font-size: .92rem; }
.rt-cookie a { color: #cdd3ff; }
.rt-cookie__actions { display: flex; gap: .6rem; flex: 0 0 auto; }
/* Accept and Reject carry equal weight: same size, both solid. */
.rt-cookie__btn { min-width: 7.5rem; justify-content: center; }
.rt-cookie__btn--reject { background: #fff; color: var(--rt-navy-2); border-color: #fff; }
.rt-cookie__btn--reject:hover { background: var(--rt-lav-2); color: var(--rt-navy); border-color: var(--rt-lav-2); }
.rt-cookie .rt-btn:focus-visible { outline: 3px solid #fff; outline-offset: 3px; }
/* Text-style button (footer "Cookie settings", cookie policy link). */
.rt-linkbtn { background: none; border: 0; padding: 0; font: inherit; color: inherit; text-decoration: underline; cursor: pointer; }
.rt-footer .rt-linkbtn { color: #cdd3ff; margin-left: .5rem; }
.rt-linkbtn:focus-visible { outline: 3px solid var(--rt-blue); outline-offset: 2px; }

/* ---- phone ------------------------------------------------------------- */
.rt-header__call { display: inline-flex; align-items: center; gap: .35rem; margin-left: auto; font-weight: 600; color: var(--rt-navy-2); text-decoration: none; white-space: nowrap; padding: .45rem .7rem; border: 1px solid var(--rt-border); border-radius: var(--rt-radius); }
.rt-header__call:hover { border-color: var(--rt-blue-dark); color: var(--rt-blue-dark); }
.rt-header__call:focus-visible { outline: 3px solid var(--rt-blue); outline-offset: 2px; }
.rt-header__call-icon { color: var(--rt-blue-dark); font-size: 1.05em; line-height: 1; }
.rt-header--minimal .rt-header__inner { justify-content: space-between; }
@media (min-width: 821px) {
  .rt-header:not(.rt-header--minimal) .rt-nav { margin-left: auto; }
  .rt-header:not(.rt-header--minimal) .rt-header__call { order: 3; margin-left: 1.5rem; }
}
.rt-header__call-short { display: none; }
@media (max-width: 420px) { .rt-header__call-num { display: none; } .rt-header__call-short { display: inline; } }
.rt-form__call { font-weight: 600; margin: -.25rem 0 1.25rem; }
.rt-form__call a { color: var(--rt-blue-dark); }

/* ---- server-side form error ------------------------------------------ */
.rt-form__error { scroll-margin-top: 96px; background: #fff4f2; border: 2px solid #b42318; border-radius: var(--rt-radius); padding: 1rem 1.25rem; margin: 0 0 1.25rem; color: #3b0d08; }
.rt-form__error:focus { outline: 3px solid var(--rt-blue); outline-offset: 2px; }
.rt-form__error p { margin: 0; }
.rt-form__error a { color: #8a1c0f; font-weight: 600; }
@media (max-width: 420px) { .rt-footer__brand img { height: 72px; } }