/* Palette from @CalRetireHealth logo: near-black #0f0f0f, white #ffffff, mid-gray #7d7d7c (+ tints) */
:root{--ink:#0f0f0f;--ink2:#1c1c1c;--paper:#ffffff;--bg:#f5f5f4;--gray:#7d7d7c;--muted:#4a4a49;--line:#dcdcda;--soft:#eeeeec}
*{box-sizing:border-box}
body{margin:0;font:18px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;background:var(--bg);color:var(--ink)}
h1,h2,.brand-name{font-family:Georgia,"Times New Roman",serif;font-weight:400;letter-spacing:.01em}
a{color:var(--ink);text-underline-offset:3px}a:focus-visible,button:focus-visible{outline:3px solid var(--gray);outline-offset:2px}
header{position:sticky;top:0;background:var(--ink);color:#fff;z-index:5;border-bottom:1px solid #2a2a2a}
.bar{max-width:1000px;margin:auto;display:flex;align-items:center;justify-content:space-between;gap:10px;padding:10px 16px}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff}
.logo img{width:46px;height:46px;border-radius:50%}
.brand-name{font-size:19px;line-height:1.15}
.brand-name small{display:block;font-family:system-ui,sans-serif;font-size:13px;color:#bdbdbb;letter-spacing:.06em;text-transform:uppercase}
nav a{color:#fff;margin-left:14px;font-size:16px;text-decoration:none}nav a:hover{text-decoration:underline}
.lang{border:2px solid #fff;background:transparent;color:#fff;border-radius:22px;padding:6px 14px;font-weight:700;font-size:15px;cursor:pointer;margin-left:12px}
@media(max-width:600px){nav{display:none!important}.brand-name{font-size:16px}.brand-name small{font-size:11px}}
main{max-width:1000px;margin:auto;padding:18px 16px}
.hero{background:var(--ink);color:#fff;border-radius:18px;padding:34px 24px;margin:8px 0 22px;display:grid;gap:22px;grid-template-columns:1fr}
@media(min-width:820px){.hero.has-mark{grid-template-columns:1.6fr 1fr;align-items:center}}
.hero-mark{display:none;justify-self:center}.hero-mark img{width:240px;border-radius:50%}
@media(min-width:820px){.hero-mark{display:block}}
.hero h1{font-size:36px;line-height:1.15;margin:0 0 12px}.hero p{margin:0 0 18px;color:#e6e6e4}
.signup{display:flex;gap:10px;flex-wrap:wrap}.signup input{flex:1;min-width:210px;padding:14px;border-radius:10px;border:2px solid #fff;font-size:17px}
.btn{background:#fff;color:var(--ink);border:2px solid #fff;border-radius:10px;padding:13px 20px;font-weight:700;font-size:17px;cursor:pointer}
.btn:hover{background:var(--soft)}
main .panel .btn{background:var(--ink);color:#fff;border-color:var(--ink)}
.small{font-size:15px;color:#cfcfcd}
h2{font-size:28px;margin:30px 0 12px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:10px}
.chip{background:var(--paper);border:2px solid var(--line);border-radius:14px;padding:15px;text-align:left;cursor:pointer;font-size:17px;font-weight:700;color:var(--ink)}
.chip:hover{border-color:var(--gray)}.chip.active{background:var(--ink);color:#fff;border-color:var(--ink)}
.panel{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:20px;margin-top:12px}
table{width:100%;border-collapse:collapse;font-size:17px}td,th{border-bottom:1px solid var(--line);padding:10px 6px;text-align:left;vertical-align:top}th{color:var(--muted)}
.cmp{display:grid;grid-template-columns:1fr 1fr;gap:10px}@media(max-width:600px){.cmp{grid-template-columns:1fr}}
.cmp div{background:var(--soft);border-radius:12px;padding:14px}
.quiz button.opt{display:block;width:100%;margin:8px 0;padding:14px;border-radius:10px;border:2px solid var(--line);background:#fff;font-size:17px;text-align:left;cursor:pointer;color:var(--ink)}
.quiz button.opt:hover{border-color:var(--ink)}
.result{background:var(--soft);border-left:5px solid var(--ink);padding:14px;border-radius:8px}
.src{font-size:15px;color:var(--muted)}
input,select,textarea{font-size:17px;border:1px solid var(--gray);border-radius:8px;padding:8px}
.sponsor-slot a{font-weight:700}
footer{background:var(--ink);color:#d6d6d4;margin-top:40px;padding:28px 16px;font-size:16px}footer a{color:#fff}
footer .in{max-width:1000px;margin:auto}

/* ===== Accent palette (added Oct 15): blue primary, amber highlight, soft tints ===== */
:root{--blue:#1f5fa8;--blue-dk:#174a84;--blue-lt:#e8f0fa;--amber:#e8a33d;--amber-lt:#fdf3e1;--green:#2e7d4f;--green-lt:#e6f4ec;--bg:#f6f7f9}
a{color:var(--blue)}footer a,header a{color:#fff}
.hero{background:linear-gradient(135deg,#0f0f0f 0%,#132b4a 60%,#1f5fa8 130%);box-shadow:0 6px 24px rgba(15,15,15,.15)}
.hero h1{border-bottom:3px solid var(--amber);padding-bottom:10px;display:inline-block}
.hero .btn,.signup .btn{background:var(--amber);border-color:var(--amber);color:#0f0f0f}
.hero .btn:hover{background:#f0b65c}
.signup input{border-color:var(--amber)}
main .panel .btn{background:var(--blue);border-color:var(--blue);color:#fff}main .panel .btn:hover{background:var(--blue-dk)}
h2{color:#0f0f0f;padding-left:12px;border-left:5px solid var(--blue)}
.chip{display:flex;align-items:center;gap:10px}
.chip .ic{flex:none;width:36px;height:36px;border-radius:10px;display:grid;place-items:center;font-size:20px}
.chip:nth-child(3n+1){background:var(--blue-lt);border-color:#c7d9f0}.chip:nth-child(3n+1) .ic{background:#fff}
.chip:nth-child(3n+2){background:var(--amber-lt);border-color:#f3d9a8}.chip:nth-child(3n+2) .ic{background:#fff}
.chip:nth-child(3n){background:var(--green-lt);border-color:#bfe0cc}.chip:nth-child(3n) .ic{background:#fff}
.chip:hover{border-color:var(--blue)}
.chip.active{background:var(--blue)!important;border-color:var(--blue)!important;color:#fff}
.panel{border-top:4px solid var(--blue)}
th{color:var(--blue-dk)}
.cmp div:first-child{background:var(--blue-lt)}.cmp div:last-child{background:var(--green-lt)}
.result{background:var(--amber-lt);border-left-color:var(--amber)}
.quiz button.opt:hover{border-color:var(--blue);background:var(--blue-lt)}
.sponsor-slot{background:var(--amber-lt);border:2px dashed var(--amber);border-top-width:2px}
.sponsor-slot a{color:#7a4a00}
.lang{border-color:var(--amber);color:var(--amber)}
footer{border-top:4px solid var(--amber)}

/* v4: AEP banner + cheat sheet signup */
.aep-banner{background:#e8a33d;color:#0f0f0f;text-align:center;padding:10px 16px;font-size:17px}
.aep-banner a{color:#0f0f0f;text-decoration:underline;font-weight:600}
.signup-box{border-left:6px solid #1f5fa8;margin-top:28px}
html[lang=es] .en-only,html:not([lang=es]) .es-only{display:none}

/* v5: navigation & usability */
html{scroll-behavior:smooth;scroll-padding-top:150px}
.skip{position:absolute;left:-9999px;top:0;background:#e8a33d;color:#0f0f0f;padding:12px 18px;font-weight:700;z-index:20;border-radius:0 0 10px 0}
.skip:focus{left:0}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #e8a33d;outline-offset:3px;box-shadow:0 0 0 6px #0f0f0f}
.hdr-actions{display:flex;gap:8px;align-items:center}
.lang{min-height:44px;margin-left:0;font-size:17px;background:#e8a33d;color:#0f0f0f!important;border-color:#e8a33d}
.lang:hover{background:#f0b65c}
.menu-btn{display:none;min-height:44px;min-width:44px;background:transparent;color:#fff;border:2px solid #fff;border-radius:10px;font-size:17px;font-weight:700;padding:6px 12px;cursor:pointer}
header nav{max-width:1000px;margin:auto;display:flex;flex-wrap:wrap;gap:4px;padding:0 16px 10px}
header nav a{margin:0;display:inline-flex;align-items:center;min-height:44px;padding:8px 14px;border-radius:10px;font-size:17px;font-weight:600;color:#fff}
header nav a:hover{background:#1f5fa8;text-decoration:none}
header nav a.current{background:#1f5fa8;box-shadow:inset 0 -3px 0 #e8a33d}
@media(max-width:820px){.menu-btn{display:inline-flex;align-items:center;gap:6px}
 header nav{display:none!important;flex-direction:column;padding:0 12px 12px}
 header nav.open{display:flex!important}
 header nav a{font-size:19px;min-height:52px;border-bottom:1px solid #2a2a2a;border-radius:0}
 .brand-name{font-size:15px}.brand-name small{font-size:11px}.logo img{width:40px;height:40px}}
@media(max-width:420px){.brand-name{font-size:14px}.lang,.menu-btn{padding:6px 10px;font-size:16px}}
.helpgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:12px}
.helpbtn{display:flex;align-items:center;gap:14px;min-height:72px;padding:16px 18px;background:#fff;border:2px solid #c7d9f0;border-left:6px solid #1f5fa8;border-radius:14px;color:#0f0f0f!important;text-decoration:none;font-size:19px;font-weight:700}
.helpbtn span:first-child{font-size:26px}
.helpbtn:hover{background:#e8f0fa;border-color:#1f5fa8}
.totop{text-align:right;margin:10px 0 0;font-size:16px}.totop a{display:inline-block;padding:10px 4px;font-weight:600}
.chip{min-height:56px}.quiz button.opt{min-height:52px}
.small a{color:#e8a33d;font-weight:700}
.small{color:#e6e6e4}
footer a{display:inline-block;padding:6px 0}