* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    --primary-color: #2563eb;
    --primary-dark: #1e40af;
    --secondary-color: #10b981;
    --danger-color: #ef4444;
    --warning-color: #f59e0b;
    --success-color: #10b981;
    --bg-color: #f9fafb;
    --text-color: #1f2937;
    --border-color: #e5e7eb;
    --shadow: 0 1px 3px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1);
}

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
    background-color: var(--bg-color);
    color: var(--text-color);
    line-height: 1.6;
}

/* Ad banners */
.ad-banner {
    width: 100%;
    max-width: 1200px;
    margin: 12px auto;
    padding: 12px;
    background: #ffffff;
    border: 1px solid var(--border-color);
    border-radius: 8px;
    box-shadow: var(--shadow);
}

.ad-banner-label {
    font-size: 0.75rem;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    color: #6b7280;
    margin-bottom: 8px;
}

.ad-placeholder,
.pubcenter-ad {
    min-height: 90px;
    display: flex;
    align-items: center;
    justify-content: center;
    border: 1px dashed #cbd5e1;
    border-radius: 6px;
    color: #475569;
    background: #f8fafc;
    text-align: center;
    padding: 8px;
}

.ad-banner-bottom {
    margin-bottom: 20px;
}

a {
    color: var(--primary-color);
    text-decoration: none;
}

a:hover {
    text-decoration: underline;
}

/* Main Container */
.main-container, .calculator-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 20px;
}

/* Header */
.header {
    margin-bottom: 40px;
    padding-bottom: 20px;
    border-bottom: 2px solid var(--border-color);
}

.header h1 {
    font-size: 2.5rem;
    margin-bottom: 10px;
    color: var(--text-color);
}

.header p {
    font-size: 1.1rem;
    color: #6b7280;
}

.tax-year-indicator {
    display: inline-block;
    margin-bottom: 8px;
    padding: 4px 10px;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--primary-dark);
    background-color: #dbeafe;
    border: 1px solid #bfdbfe;
    border-radius: 999px;
}

.back-btn {
    display: inline-block;
    margin-bottom: 20px;
    padding: 8px 12px;
    background-color: var(--border-color);
    border-radius: 4px;
    color: var(--text-color);
    transition: background-color 0.3s ease;
}

.back-btn:hover {
    background-color: #d1d5db;
    text-decoration: none;
}

/* Calculators Grid */
.calculators-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 24px;
    margin-bottom: 40px;
}

.calculator-card {
    background: white;
    border-radius: 8px;
    padding: 30px;
    box-shadow: var(--shadow);
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    text-align: center;
}

.calculator-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.card-icon {
    font-size: 3rem;
    margin-bottom: 15px;
}

.calculator-card h2 {
    font-size: 1.5rem;
    margin-bottom: 10px;
}

.calculator-card p {
    color: #6b7280;
    margin-bottom: 20px;
}

/* Calc Content */
.calc-content {
    background: white;
    border-radius: 8px;
    padding: 30px;
    box-shadow: var(--shadow);
}

/* Form Sections */
.form-section {
    margin-bottom: 30px;
}

.form-section h2 {
    font-size: 1.3rem;
    margin-bottom: 20px;
    color: var(--primary-color);
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    margin-bottom: 8px;
    font-weight: 500;
    color: var(--text-color);
}

.form-group input,
.form-group select {
    width: 100%;
    padding: 10px 12px;
    border: 1px solid var(--border-color);
    border-radius: 4px;
    font-size: 1rem;
    font-family: inherit;
    transition: border-color 0.3s ease;
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary-color);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.form-group small {
    display: block;
    margin-top: 5px;
    color: #6b7280;
    font-size: 0.9rem;
}

.tooltip-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 1.15rem;
    height: 1.15rem;
    margin: 0 0.35rem;
    border: 1px solid #94a3b8;
    border-radius: 50%;
    font-size: 0.72rem;
    font-weight: 700;
    color: #334155;
    background: #f8fafc;
    cursor: help;
    vertical-align: middle;
}

/* Advanced Section */
.advanced-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 20px;
}

.btn-toggle {
    background: none;
    border: none;
    color: var(--primary-color);
    cursor: pointer;
    font-size: 0.95rem;
    font-weight: 500;
    padding: 5px 10px;
}

.btn-toggle:hover {
    text-decoration: underline;
}

.advanced-section {
    background-color: #f3f4f6;
    border-left: 4px solid var(--primary-color);
    padding: 20px;
    border-radius: 4px;
    margin-bottom: 20px;
}

.income-group {
    margin-bottom: 25px;
}

.income-group h3 {
    font-size: 1.1rem;
    margin-bottom: 15px;
    color: var(--text-color);
}

/* Tabs */
.tabs {
    display: flex;
    gap: 10px;
    margin-bottom: 30px;
    border-bottom: 2px solid var(--border-color);
}

.tab-btn {
    padding: 12px 20px;
    background: none;
    border: none;
    border-bottom: 3px solid transparent;
    cursor: pointer;
    font-size: 1rem;
    font-weight: 500;
    color: #6b7280;
    transition: all 0.3s ease;
}

.tab-btn:hover {
    color: var(--primary-color);
}

.tab-btn.active {
    color: var(--primary-color);
    border-bottom-color: var(--primary-color);
}

.tab-content {
    display: none;
}

.tab-content.active {
    display: block;
}

.projection-table-wrap {
    overflow-x: auto;
    margin-top: 12px;
}

.projection-table {
    width: 100%;
    border-collapse: collapse;
    background: #ffffff;
}

.projection-table th,
.projection-table td {
    border: 1px solid var(--border-color);
    padding: 10px;
    font-size: 0.92rem;
}

.projection-table th {
    text-align: left;
    background-color: #f3f4f6;
    font-weight: 600;
}

.projection-table td.numeric {
    text-align: right;
    white-space: nowrap;
}

/* Buttons */
.btn {
    padding: 10px 20px;
    border: none;
    border-radius: 4px;
    cursor: pointer;
    font-size: 1rem;
    font-weight: 500;
    transition: all 0.3s ease;
}

.btn-primary {
    background-color: var(--primary-color);
    color: white;
}

.btn-primary:hover {
    background-color: var(--primary-dark);
}

.btn-large {
    width: 100%;
    padding: 12px 24px;
    font-size: 1.1rem;
}

/* Results Section */
.results-section {
    margin-top: 30px;
    padding-top: 30px;
    border-top: 2px solid var(--border-color);
}

.results-section h2 {
    font-size: 1.3rem;
    margin-bottom: 20px;
    color: var(--primary-color);
}

.results-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 20px;
    margin-bottom: 20px;
}

.result-item {
    background-color: #f3f4f6;
    padding: 20px;
    border-radius: 6px;
    text-align: center;
    border: 1px solid var(--border-color);
}

.result-item.highlight {
    background-color: #dbeafe;
    border-color: var(--primary-color);
}

.result-label {
    display: block;
    font-size: 0.9rem;
    color: #6b7280;
    margin-bottom: 10px;
    font-weight: 500;
}

.result-value {
    display: block;
    font-size: 1.8rem;
    font-weight: bold;
    color: var(--primary-color);
}

.result-item.highlight .result-value {
    color: var(--primary-dark);
}

.result-value.positive-value {
    color: var(--success-color);
}

/* Readiness Status */
.readiness-status {
    padding: 20px;
    border-radius: 6px;
    margin-bottom: 20px;
    font-size: 1.1rem;
    font-weight: 500;
}

.readiness-status.ready {
    background-color: #d1fae5;
    border: 2px solid var(--success-color);
    color: #065f46;
}

.readiness-status.not-ready {
    background-color: #fee2e2;
    border: 2px solid var(--danger-color);
    color: #7f1d1d;
}

/* Info Box */
.info-box {
    background-color: #fef3c7;
    border-left: 4px solid var(--warning-color);
    padding: 15px;
    border-radius: 4px;
    margin-top: 20px;
    color: #92400e;
}

.info-box.irmaa-alert {
    background-color: #fecaca;
    border-left-color: var(--danger-color);
    color: #7f1d1d;
}

.info-section {
    background: white;
    border-radius: 8px;
    padding: 30px;
    box-shadow: var(--shadow);
}

.info-section h2 {
    color: var(--primary-color);
    margin-bottom: 15px;
}

.info-section p {
    color: #6b7280;
    line-height: 1.8;
}

/* Responsive */
@media (max-width: 768px) {
    .main-container, .calculator-container {
        padding: 15px;
    }

    .ad-banner {
        margin: 10px 15px;
        width: auto;
    }

    .header h1 {
        font-size: 1.8rem;
    }

    .calculators-grid {
        grid-template-columns: 1fr;
    }

    .results-grid {
        grid-template-columns: 1fr;
    }

    .tabs {
        flex-wrap: wrap;
    }

    .advanced-header {
        flex-direction: column;
        align-items: flex-start;
        gap: 10px;
    }
}

/* Loading state */
.loading {
    opacity: 0.7;
    pointer-events: none;
}

/* Error state */
.error {
    color: var(--danger-color);
    padding: 12px;
    background-color: #fee2e2;
    border: 1px solid var(--danger-color);
    border-radius: 4px;
    margin: 10px 0;
}