/* ============================================================
   Seniors Saving Hub
   Editorial / warm-paper design system. No JS, no webfonts.
   Type is deliberately large — the audience is older readers.
   ============================================================ */

:root {
  /* paper + ink */
  --paper:      #fbf8f2;
  --paper-2:    #f3ece0;
  --paper-3:    #ebe2d2;
  --card:       #fffdf9;
  --ink:        #1c1a15;
  --ink-2:      #4a453b;
  --ink-3:      #6e675a;
  --rule:       #ddd3c0;
  --rule-soft:  #e9e1d2;

  /* accents */
  --rust:       #8a3413;
  --rust-deep:  #6d280d;
  --rust-tint:  #f6e7de;
  --moss:       #2f4a33;
  --gold:       #b8862c;

  /* type */
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, "Times New Roman", serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;

  --wrap: 1160px;
  --measure: 40rem;
}

* { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink-2);
  font-family: var(--serif);
  font-size: 19px;
  line-height: 1.72;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
}

.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 28px;
}

/* ---------- headings ---------- */

h1, h2, h3, h4 {
  font-family: var(--serif);
  color: var(--ink);
  font-weight: 600;
  line-height: 1.18;
  letter-spacing: -.012em;
}

h1 {
  font-size: clamp(2.1rem, 5vw, 3.05rem);
  margin: 0 0 1rem;
}

h2 {
  font-size: clamp(1.5rem, 2.6vw, 1.85rem);
  margin: 3rem 0 .85rem;
  padding-top: 1.4rem;
  border-top: 1px solid var(--rule);
}

h3 {
  font-size: 1.22rem;
  margin: 2rem 0 .5rem;
}

h2 + h3 { margin-top: 1.2rem; }

p { margin: 0 0 1.15rem; }

.lede {
  font-size: clamp(1.12rem, 1.9vw, 1.3rem);
  line-height: 1.62;
  color: var(--ink-2);
}

a {
  color: var(--rust);
  text-decoration-thickness: 1px;
  text-underline-offset: .16em;
}
a:hover { color: var(--rust-deep); text-decoration-thickness: 2px; }

:focus-visible {
  outline: 3px solid var(--rust);
  outline-offset: 3px;
}

ul, ol { padding-left: 1.15em; margin: 0 0 1.3rem; }
li { margin-bottom: .55rem; }

strong { color: var(--ink); font-weight: 600; }

.skip {
  position: absolute;
  left: -9999px;
}
.skip:focus {
  left: 12px; top: 12px;
  z-index: 50;
  background: var(--ink);
  color: var(--paper);
  padding: 10px 16px;
  border-radius: 3px;
  font-family: var(--sans);
}

/* ---------- top disclosure bar ---------- */

.topbar {
  background: var(--ink);
  color: #d9d2c4;
  font-family: var(--sans);
  font-size: .82rem;
  line-height: 1.6;
  border-bottom: 3px solid var(--rust);
}
.topbar .wrap {
  padding-top: 13px;
  padding-bottom: 13px;
  display: flex;
  gap: 16px;
  align-items: baseline;
}
.topbar .tag {
  flex: none;
  display: inline-block;
  background: var(--rust);
  color: #fff;
  text-transform: uppercase;
  letter-spacing: .09em;
  font-size: .66rem;
  font-weight: 700;
  padding: 4px 9px;
  border-radius: 2px;
  white-space: nowrap;
}
.topbar strong { color: #fff; font-weight: 600; }
.topbar a { color: #fff; text-underline-offset: .2em; }

/* ---------- header ---------- */

.site-header {
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
}
.site-header .wrap {
  padding-top: 22px;
  padding-bottom: 0;
}

.brand {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 6px 24px;
}

.logo {
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 600;
  color: var(--ink);
  text-decoration: none;
  letter-spacing: -.02em;
  line-height: 1.1;
}
.logo em {
  font-style: normal;
  color: var(--rust);
}
.tagline {
  font-family: var(--sans);
  font-size: .74rem;
  text-transform: uppercase;
  letter-spacing: .13em;
  color: var(--ink-3);
}

nav.main {
  display: flex;
  flex-wrap: wrap;
  gap: 0 26px;
  margin-top: 16px;
  border-top: 1px solid var(--rule-soft);
  padding-top: 10px;
}
nav.main a {
  font-family: var(--sans);
  font-size: .82rem;
  text-transform: uppercase;
  letter-spacing: .075em;
  color: var(--ink-2);
  text-decoration: none;
  padding: 8px 0 12px;
  border-bottom: 3px solid transparent;
  white-space: nowrap;
}
nav.main a:hover {
  color: var(--rust);
  border-bottom-color: var(--rust);
}

/* ---------- hero ---------- */

.hero {
  background: var(--paper-2);
  border-bottom: 1px solid var(--rule);
  padding: 56px 0 52px;
}
.hero-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.55fr) minmax(0, 1fr);
  gap: 48px;
  align-items: start;
}
.hero h1 { max-width: 17ch; }
.hero .lede { max-width: 46ch; margin-bottom: 0; }

.eyebrow {
  font-family: var(--sans);
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .16em;
  color: var(--rust);
  font-weight: 700;
  margin: 0 0 1rem;
  display: flex;
  align-items: center;
  gap: 12px;
}
.eyebrow::after {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--rule);
}

/* at-a-glance panel */
.panel {
  background: var(--card);
  border: 1px solid var(--rule);
  border-top: 4px solid var(--ink);
  padding: 24px 26px 20px;
}
.panel h2 {
  font-family: var(--sans);
  font-size: .74rem;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--ink-3);
  margin: 0 0 16px;
  padding: 0;
  border: 0;
  font-weight: 700;
}
.panel ul {
  list-style: none;
  margin: 0;
  padding: 0;
  font-size: .97rem;
}
.panel li {
  padding: 11px 0 11px 26px;
  border-top: 1px solid var(--rule-soft);
  position: relative;
  line-height: 1.5;
}
.panel li:first-child { border-top: 0; padding-top: 2px; }
.panel li::before {
  content: "✕";
  position: absolute;
  left: 0;
  top: 11px;
  color: var(--rust);
  font-family: var(--sans);
  font-size: .82rem;
  font-weight: 700;
}
.panel li:first-child::before { top: 2px; }
.panel li.yes::before { content: "✓"; color: var(--moss); }
.panel li.ad::before { content: "$"; color: var(--gold); font-size: .95rem; }

/* ---------- main ---------- */

main { padding: 46px 0 20px; }

/* .prose keeps the page's shared left margin (it is also a .wrap) and
   constrains each block to a readable measure, rather than centering. */
.prose > * { max-width: var(--measure); }
.prose > .table-scroll { max-width: 58rem; }
.prose > .faq,
.prose > .next { max-width: 50rem; }
.prose > .note,
.prose > .contact-card { max-width: 46rem; }
.prose h2:first-of-type { border-top: 0; padding-top: 0; margin-top: 1rem; }

/* ---------- numbered index list ---------- */

.index-list {
  list-style: none;
  margin: 32px 0 8px;
  padding: 0;
  border-top: 2px solid var(--ink);
  counter-reset: idx;
}
.index-list li {
  counter-increment: idx;
  border-bottom: 1px solid var(--rule);
  margin: 0;
}
.index-list a.row {
  display: grid;
  grid-template-columns: 4.5rem minmax(0, 1fr);
  gap: 0 8px;
  padding: 22px 16px 22px 4px;
  text-decoration: none;
  color: inherit;
  transition: background .12s ease, padding-left .12s ease;
}
.index-list a.row:hover {
  background: var(--paper-2);
  padding-left: 14px;
}
.index-list a.row::before {
  content: "0" counter(idx);
  font-family: var(--sans);
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .08em;
  color: var(--rust);
  padding-top: .45rem;
}
.index-list h3 {
  margin: 0 0 .25rem;
  font-size: 1.3rem;
  color: var(--ink);
}
.index-list a.row:hover h3 { color: var(--rust); }
.index-list p {
  margin: 0;
  font-size: .98rem;
  color: var(--ink-3);
  max-width: 60ch;
  line-height: 1.55;
}
.index-list .go {
  font-family: var(--sans);
  font-size: .76rem;
  text-transform: uppercase;
  letter-spacing: .09em;
  color: var(--rust);
  font-weight: 700;
  display: inline-block;
  margin-top: .55rem;
}

/* ---------- notes / callouts ---------- */

.note {
  background: var(--card);
  border: 1px solid var(--rule);
  border-left: 5px solid var(--rust);
  padding: 20px 24px;
  margin: 30px 0;
  font-size: .98rem;
  line-height: 1.62;
}
.note p:last-child { margin-bottom: 0; }
.note-label {
  display: block;
  font-family: var(--sans);
  font-size: .68rem;
  text-transform: uppercase;
  letter-spacing: .14em;
  font-weight: 700;
  color: var(--rust);
  margin-bottom: .5rem;
}

.contact-card {
  background: var(--ink);
  color: #cfc8ba;
  padding: 28px 30px 24px;
  margin: 32px 0;
  border-left: 5px solid var(--rust);
}
.contact-card .note-label { color: var(--gold); }
.contact-email {
  display: inline-block;
  font-size: clamp(1.2rem, 3.4vw, 1.7rem);
  color: #fff;
  text-decoration-color: var(--rust);
  text-decoration-thickness: 2px;
  word-break: break-word;
  margin-bottom: .7rem;
}
.contact-email:hover { color: var(--gold); }
.contact-card p {
  margin: 0;
  font-family: var(--sans);
  font-size: .88rem;
  color: #a49c8d;
}

.pull {
  border-top: 2px solid var(--ink);
  border-bottom: 2px solid var(--ink);
  padding: 22px 0;
  margin: 34px 0;
  font-size: 1.24rem;
  line-height: 1.5;
  color: var(--ink);
}

/* ---------- tables ---------- */

.table-scroll {
  overflow-x: auto;
  margin: 26px 0;
  border-bottom: 1px solid var(--rule);
}
table {
  width: 100%;
  border-collapse: collapse;
  font-size: .95rem;
  min-width: 34rem;
}
th, td {
  padding: 13px 16px 13px 0;
  text-align: left;
  vertical-align: top;
  border-bottom: 1px solid var(--rule-soft);
  line-height: 1.5;
}
thead th {
  font-family: var(--sans);
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--ink);
  border-bottom: 2px solid var(--ink);
  padding-bottom: 10px;
}
tbody td:first-child, tbody th:first-child { color: var(--ink); }

/* ---------- FAQ ---------- */

.faq { border-top: 2px solid var(--ink); margin-top: 28px; }
.faq details { border-bottom: 1px solid var(--rule); }
.faq summary {
  cursor: pointer;
  list-style: none;
  padding: 18px 40px 18px 0;
  font-size: 1.08rem;
  font-weight: 600;
  color: var(--ink);
  position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  position: absolute;
  right: 6px;
  top: 15px;
  font-size: 1.5rem;
  font-weight: 400;
  color: var(--rust);
  line-height: 1;
}
.faq details[open] summary::after { content: "–"; }
.faq summary:hover { color: var(--rust); }
.faq details > p {
  margin: 0 0 20px;
  font-size: .99rem;
  max-width: 62ch;
}

/* ---------- next link ---------- */

.next {
  display: block;
  margin: 40px 0 0;
  padding: 20px 0 0;
  border-top: 2px solid var(--ink);
  font-family: var(--sans);
  font-size: .88rem;
  letter-spacing: .02em;
}
.next span {
  display: block;
  font-size: .7rem;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--ink-3);
  margin-bottom: .35rem;
  font-weight: 700;
}

.updated {
  font-family: var(--sans);
  font-size: .76rem;
  text-transform: uppercase;
  letter-spacing: .09em;
  color: var(--ink-3);
  margin-top: 40px;
}

/* ---------- footer ---------- */

.site-footer {
  margin-top: 64px;
  background: var(--ink);
  color: #cfc8ba;
  padding: 46px 0 44px;
  font-family: var(--sans);
  font-size: .87rem;
  line-height: 1.65;
}
.site-footer a { color: #f2ede3; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }

.footer-top {
  display: grid;
  grid-template-columns: 1.4fr repeat(3, 1fr);
  gap: 32px;
  padding-bottom: 34px;
  border-bottom: 1px solid #3b382f;
}
.footer-brand .logo {
  color: var(--paper);
  font-size: 1.45rem;
}
.footer-brand .logo em { color: var(--gold); }
.footer-brand p {
  margin: .7rem 0 0;
  color: #a49c8d;
  font-size: .84rem;
  max-width: 32ch;
}
.footer-brand p.owner {
  color: #fff;
  font-weight: 700;
  font-size: .8rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-top: .9rem;
}
.footer-top h4 {
  font-size: .7rem;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--gold);
  margin: 0 0 .9rem;
  font-weight: 700;
}
.footer-top a { display: block; margin-bottom: .45rem; font-size: .86rem; }

.disclosure {
  padding-top: 30px;
  font-size: .78rem;
  line-height: 1.68;
  color: #a49c8d;
  columns: 2;
  column-gap: 44px;
}
.disclosure p { margin: 0 0 1rem; break-inside: avoid; }
.disclosure strong { color: #f2ede3; font-weight: 600; }
.disclosure a { text-decoration: underline; }

.colophon {
  column-span: all;
  border-top: 1px solid #3b382f;
  padding-top: 18px;
  margin-top: .4rem;
  color: #8d8578;
  display: flex;
  flex-wrap: wrap;
  gap: 6px 20px;
  justify-content: space-between;
}

/* ---------- responsive ---------- */

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 34px; }
  .hero h1 { max-width: 20ch; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 28px; }
  .disclosure { columns: 1; }
}

@media (max-width: 640px) {
  body { font-size: 18px; }
  .wrap { padding: 0 20px; }
  .hero { padding: 36px 0 34px; }
  main { padding-top: 32px; }
  .topbar .wrap { flex-direction: column; gap: 8px; }
  nav.main { gap: 0 18px; }
  nav.main a { font-size: .76rem; padding-bottom: 10px; }
  .index-list a.row { grid-template-columns: 3rem minmax(0, 1fr); padding: 18px 4px; }
  .index-list h3 { font-size: 1.15rem; }
  .footer-top { grid-template-columns: 1fr; }
  h2 { margin-top: 2.4rem; }
}

/* ---------- print (the questions page is meant to be printed) ---------- */

@media print {
  .topbar, nav.main, .hero .panel, .next { display: none; }
  body { background: #fff; font-size: 12pt; }
  .site-footer { background: none; color: #333; border-top: 2px solid #000; }
  .site-footer a { color: #333; }
  .disclosure { columns: 1; color: #444; }
  a { text-decoration: none; color: #000; }
  .index-list a.row { padding: 8px 0; }
}