:root {
  --bg: #F0F6FF;
  --card: #FFFFFF;
  --primary: #00A9CE;
  --primary-light: #E5F5FB;
  --primary-mid: #0098C7;
  --green: #00B87A;
  --green-light: #EAFBF4;
  --red: #F43F5E;
  --red-light: #FFF1F3;
  --amber: #F59E0B;
  --amber-light: #FFFBEB;
  --purple: #8B5CF6;
  --teal: #06B6D4;
  --text: #0D1B36;
  --text-muted: #64748B;
  --text-light: #94A3B8;
  --border: #E2EBFB;
  --shadow: 0 2px 16px rgba(0,169,206,0.08);
  --shadow-hover: 0 4px 24px rgba(0,169,206,0.14);
  --radius: 16px;
  --radius-sm: 10px;
  --radius-xs: 6px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth}
body{font-family:'Manrope',sans-serif;background:var(--bg);color:var(--text);min-height:100vh;line-height:1.6}

.header{background:var(--card);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:100;padding:0 24px}
.header-inner{max-width:1280px;margin:auto;height:64px;display:flex;align-items:center;justify-content:space-between}
.logo{display:flex;align-items:center;gap:10px;font-family:'Space Grotesk',sans-serif;font-weight:700;font-size:1.1rem;color:var(--text);text-decoration:none}
.logo-icon{width:36px;height:36px;background:linear-gradient(135deg,var(--primary),#005EB8);border-radius:10px;display:flex;align-items:center;justify-content:center;color:#fff;font-size:18px;font-weight:800;flex-shrink:0}
.logo-sub{font-size:0.7rem;font-weight:500;color:var(--text-muted);display:block;line-height:1}
.header-right{display:flex;align-items:center;gap:12px}
.year-badge{background:var(--primary-light);color:var(--primary);border:1px solid #B8E0EE;border-radius:20px;padding:5px 14px;font-size:0.8rem;font-weight:700}
.nav-link{font-size:0.82rem;font-weight:600;color:var(--text-muted);text-decoration:none;padding:6px 12px;border-radius:8px;transition:.2s}
.nav-link:hover{color:var(--primary);background:var(--primary-light)}
@media(max-width:900px){.nav-link{display:none}}

.main{max-width:1280px;margin:0 auto;padding:28px 24px;display:grid;grid-template-columns:420px 1fr;gap:24px;align-items:start}
@media(max-width:900px){.main{grid-template-columns:1fr;padding:16px}}

.input-panel{background:var(--card);border-radius:var(--radius);border:1px solid var(--border);box-shadow:var(--shadow);overflow:hidden;position:sticky;top:84px}
@media(max-width:900px){.input-panel{position:relative;top:auto}}
.panel-header{padding:24px}
.panel-label{font-size:0.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--text-muted);margin-bottom:8px}

.field-group{margin-bottom:14px}
.field-label{display:block;font-size:0.75rem;font-weight:700;color:var(--text);letter-spacing:.04em;text-transform:uppercase;margin-bottom:6px}
.field-select,.field-input{width:100%;height:44px;border:1.5px solid var(--border);border-radius:var(--radius-xs);background:#fff;color:var(--text);font-family:'Manrope',sans-serif;font-size:.95rem;font-weight:600;padding:0 12px;outline:none;transition:.2s}
.field-select:focus,.field-input:focus{border-color:var(--primary);box-shadow:0 0 0 3px rgba(0,169,206,.1)}
.field-prefix-wrap{position:relative}
.field-prefix-wrap .prefix{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-family:'Space Grotesk',sans-serif;font-weight:700;color:var(--primary);pointer-events:none}
.field-prefix-wrap .field-input{padding-left:30px;font-family:'Space Grotesk',sans-serif;font-size:1.1rem;font-weight:700}

.field-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}

.radio-row{display:flex;gap:8px;flex-wrap:wrap}
.radio-pill{padding:8px 14px;border:1.5px solid var(--border);border-radius:20px;background:#fff;color:var(--text-muted);font-size:.8rem;font-weight:600;cursor:pointer;transition:.2s;user-select:none}
.radio-pill.active{border-color:var(--primary);background:var(--primary-light);color:var(--primary)}
.radio-pill:hover{border-color:var(--primary-mid)}

.hint{font-size:0.74rem;color:var(--text-muted);margin-top:4px;line-height:1.4}

.results-panel{display:flex;flex-direction:column;gap:20px}

.hero-card{background:linear-gradient(135deg,#005EB8 0%,#00A9CE 100%);border-radius:var(--radius);padding:28px;color:#fff;position:relative;overflow:hidden;box-shadow:0 8px 32px rgba(0,94,184,.3)}
.hero-card::before{content:'';position:absolute;top:-40px;right:-40px;width:200px;height:200px;background:rgba(255,255,255,.06);border-radius:50%}
.hero-label{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;opacity:.7;margin-bottom:4px}
.hero-amount{font-family:'Space Grotesk',sans-serif;font-size:3rem;font-weight:800;line-height:1;margin-bottom:2px}
.hero-amount sup{font-size:1.4rem;vertical-align:super}
.hero-sub{display:flex;align-items:center;gap:20px;opacity:.85;font-size:.9rem;font-weight:500;margin-top:10px;flex-wrap:wrap}
.hero-sub-item{display:flex;align-items:center;gap:5px}
.hero-sub-divider{opacity:.3}
.eff-rate-badge{background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.25);border-radius:20px;padding:3px 12px;font-size:.8rem;font-weight:700}
.hero-gross{font-size:.82rem;opacity:.65;margin-top:8px}

.nhs-stats{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-top:14px}
@media(max-width:600px){.nhs-stats{grid-template-columns:1fr}}
.nhs-stat{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.15);border-radius:10px;padding:10px 12px}
.nhs-stat-label{font-size:.65rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em;opacity:.7}
.nhs-stat-val{font-family:'Space Grotesk',sans-serif;font-size:1.05rem;font-weight:700;margin-top:2px}

.card{background:var(--card);border-radius:var(--radius);border:1px solid var(--border);padding:24px;box-shadow:var(--shadow)}
.card-title{font-size:.8rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;color:var(--text-muted);margin-bottom:16px;display:flex;align-items:center;justify-content:space-between}
.chart-layout{display:grid;grid-template-columns:180px 1fr;gap:24px;align-items:center}
@media(max-width:600px){.chart-layout{grid-template-columns:1fr}}
.chart-wrap{position:relative;width:180px;height:180px}
@media(max-width:600px){.chart-wrap{width:140px;height:140px;margin:auto}}
.chart-center{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);text-align:center;pointer-events:none}
.chart-center-pct{font-family:'Space Grotesk',sans-serif;font-size:1.3rem;font-weight:800;color:var(--text)}
.chart-center-label{font-size:.68rem;font-weight:600;color:var(--text-muted);white-space:nowrap}
.legend{display:flex;flex-direction:column;gap:10px}
.legend-item{display:flex;align-items:center;justify-content:space-between;gap:10px}
.legend-left{display:flex;align-items:center;gap:8px}
.legend-dot{width:11px;height:11px;border-radius:3px;flex-shrink:0}
.legend-name{font-size:.83rem;font-weight:600;color:var(--text)}
.legend-right{display:flex;flex-direction:column;align-items:flex-end}
.legend-amount{font-family:'Space Grotesk',sans-serif;font-size:.9rem;font-weight:700;color:var(--text)}
.legend-pct{font-size:.7rem;color:var(--text-muted);font-weight:500}

.breakdown-card{background:var(--card);border-radius:var(--radius);border:1px solid var(--border);box-shadow:var(--shadow);overflow:hidden}
.breakdown-row{display:flex;align-items:center;justify-content:space-between;padding:13px 20px;border-bottom:1px solid var(--border);gap:12px}
.breakdown-row:last-child{border-bottom:none}
.breakdown-row.total{background:var(--green-light);font-weight:700}
.br-left{display:flex;align-items:center;gap:10px;min-width:160px}
.br-dot{width:8px;height:8px;border-radius:2px;flex-shrink:0}
.br-name{font-size:.88rem;font-weight:600}
.br-amount{font-family:'Space Grotesk',sans-serif;font-size:.88rem;font-weight:700;text-align:right;min-width:90px}
.br-pct{font-size:.72rem;color:var(--text-muted);text-align:right;min-width:36px}

.tier-warning{background:var(--amber-light);border:1px solid #FCD34D;border-radius:10px;padding:14px 16px;margin-top:14px;font-size:.85rem;color:#92400E;line-height:1.5;display:none}
.tier-warning.show{display:block}
.tier-warning strong{color:#78350F}

.tips-card{background:linear-gradient(135deg,#FFFBEB,#FEF9E7);border:1px solid #FCD34D;border-radius:var(--radius);padding:20px}
.tips-title{font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.07em;color:#92400E;margin-bottom:12px}
.tip-item{display:flex;align-items:flex-start;gap:10px;margin-bottom:9px;font-size:.83rem;color:#78350F;line-height:1.5}
.tip-icon{color:var(--amber);font-weight:800;flex-shrink:0;margin-top:1px}

.pension-tier-table{width:100%;border-collapse:collapse;font-size:.78rem;margin-top:10px}
.pension-tier-table th,.pension-tier-table td{padding:6px 8px;text-align:left;border-bottom:1px solid var(--border)}
.pension-tier-table th{font-size:.7rem;font-weight:700;color:var(--text-muted);text-transform:uppercase}
.pension-tier-table tr.current{background:var(--primary-light);font-weight:700}
.pension-tier-table tr.current td{color:var(--primary)}

.tools-bar{max-width:1280px;margin:0 auto 24px;padding:0 24px;display:flex;gap:12px;flex-wrap:wrap}
.tool-chip{display:flex;align-items:center;gap:7px;background:var(--card);border:1px solid var(--border);border-radius:20px;padding:8px 16px;font-size:.8rem;font-weight:700;color:var(--text-muted);text-decoration:none;transition:.2s;box-shadow:0 1px 4px rgba(0,0,0,.04)}
.tool-chip:hover{border-color:var(--primary);color:var(--primary);box-shadow:var(--shadow)}
.tool-chip.featured{background:var(--primary-light);color:var(--primary);border-color:var(--primary)}

footer{border-top:1px solid var(--border);background:var(--card);padding:32px 24px;margin-top:24px}
.footer-inner{max-width:1280px;margin:auto;display:flex;flex-direction:column;gap:26px}
.footer-disclaimer{font-size:.75rem;color:var(--text-muted);max-width:780px;line-height:1.7}
.footer-disclaimer strong{color:var(--text)}
.footer-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
@media(max-width:760px){.footer-cols{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.footer-cols{grid-template-columns:1fr}}
.footer-col-title{font-size:.68rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--text-light);margin-bottom:11px}
.footer-col-links{display:flex;flex-direction:column;gap:9px}
.footer-link{font-size:.78rem;color:var(--text-muted);text-decoration:none;font-weight:600}
.footer-link:hover{color:var(--primary)}

/* guide-style content blocks reused on calc pages */
.guide-content{max-width:820px;margin:32px auto;padding:0 24px}
.guide-content h2{font-family:'Space Grotesk',sans-serif;font-size:1.6rem;color:var(--text);margin:36px 0 14px}
.guide-content h3{font-family:'Space Grotesk',sans-serif;font-size:1.15rem;color:var(--text);margin:26px 0 10px}
.guide-content p{margin-bottom:14px;color:var(--text-muted);font-size:.95rem;line-height:1.7}
.guide-content ul{margin:0 0 14px 20px;color:var(--text-muted);font-size:.95rem;line-height:1.7}
.guide-content li{margin-bottom:6px}
.guide-content a{color:var(--primary);font-weight:600}