:root {
  --ink: #1c2530;
  --muted: #64707d;
  --line: #d8dde3;
  --panel: #ffffff;
  --soft: #f4f6f8;
  --soft-red: #fff4f6;
  --aia-red: #d31145;
  --blue: #2563eb;
  --teal: #0f766e;
  --amber: #a16207;
  --shadow: 0 18px 45px rgba(28, 37, 48, 0.1);
}

* {
  box-sizing: border-box;
}

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

body {
  margin: 0;
  min-height: 100vh;
  color: var(--ink);
  background: #eef1f4;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  overflow-x: hidden;
}

button,
input,
select {
  font: inherit;
}

.shell {
  max-width: 1480px;
  min-height: 100vh;
  margin: 0 auto;
  padding: 22px;
}

.app-header,
.panel-heading {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
}

.app-header {
  margin-bottom: 18px;
}

.eyebrow {
  margin: 0 0 4px;
  color: var(--aia-red);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0;
  text-transform: uppercase;
}

h1,
h2,
h3,
p {
  letter-spacing: 0;
}

h1,
h2,
h3 {
  margin: 0;
}

h1 {
  font-size: 30px;
}

h2 {
  font-size: 20px;
}

.setup-grid {
  display: grid;
  grid-template-columns: minmax(320px, 0.7fr) minmax(0, 1.3fr);
  gap: 18px;
  margin-bottom: 18px;
}

.panel,
.metric-panel {
  min-width: 0;
  border: 1px solid var(--line);
  background: var(--panel);
  box-shadow: var(--shadow);
}

.panel {
  margin-bottom: 18px;
}

.panel-heading {
  padding: 18px 20px;
  border-bottom: 1px solid var(--line);
  flex-wrap: wrap;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
  padding: 18px 20px 20px;
}

.form-grid.three {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.profile-grid {
  grid-template-columns: minmax(150px, 0.9fr) minmax(215px, 1.1fr);
}

.age-band-note {
  align-self: end;
  margin: 0;
  color: var(--muted);
  font-size: 13px;
  font-weight: 850;
  line-height: 1.35;
}

.age-band-note strong {
  color: var(--ink);
  font-weight: 950;
}

label span {
  display: block;
  margin-bottom: 6px;
  color: var(--muted);
  font-size: 12px;
  font-weight: 800;
}

input,
select {
  width: 100%;
  min-width: 0;
  min-height: 40px;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--ink);
  padding: 9px 11px;
  outline: none;
}

select {
  appearance: auto;
}

input:focus,
select:focus {
  border-color: var(--aia-red);
  box-shadow: 0 0 0 3px rgba(211, 17, 69, 0.12);
}

.muted-field {
  opacity: 0.45;
}

.table-wrap {
  width: 100%;
  max-width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

table {
  width: 100%;
  min-width: 1180px;
  border-collapse: collapse;
  table-layout: fixed;
}

th,
td {
  border-bottom: 1px solid var(--line);
  padding: 10px 9px;
  text-align: center;
  vertical-align: middle;
  overflow-wrap: anywhere;
  white-space: normal;
}

thead th {
  background: var(--soft);
  color: var(--muted);
  font-size: 12px;
  font-weight: 900;
  white-space: normal;
}

thead .ward-group {
  border-right: 1px solid #c7cfd9;
  border-bottom: 1px solid #c7cfd9;
  background: #e3e8ef;
  color: var(--ink);
  font-size: 13px;
}

thead tr:nth-child(2) th {
  background: #f8fafc;
}

th:first-child,
td:first-child,
tbody th {
  width: 190px;
  background: #fff;
  text-align: left;
  white-space: normal;
}

thead th:first-child {
  z-index: 7;
  background: var(--soft);
}

tbody th {
  color: var(--ink);
  font-size: 13px;
  font-weight: 900;
}

td {
  color: var(--ink);
  font-size: 13px;
  font-weight: 750;
  line-height: 1.25;
}

tbody tr:hover td,
tbody tr:hover th {
  background: var(--soft-red);
}

.section-row th,
.section-row td {
  padding: 9px;
  border-bottom: 0;
  color: #fff;
  font-size: 12px;
  font-weight: 950;
  text-transform: uppercase;
}

.section-row th {
  left: 0;
  z-index: 4;
}

.plan-section th,
.plan-section td {
  background: #4b5563;
}

.premium-section th,
.premium-section td,
.premium-row th,
.premium-row td,
.premium-total th,
.premium-total td {
  background: #f8fafc;
}

.premium-section th,
.premium-section td {
  background: #637083;
}

.premium-total th,
.premium-total td {
  background: #eef2f7;
  font-weight: 950;
}

.claim-section th,
.claim-section td,
.claim-row th,
.claim-row td {
  background: #fff8fa;
}

.claim-section th,
.claim-section td {
  background: var(--aia-red);
}

.mechanics-section th,
.mechanics-section td,
.mechanics-row th,
.mechanics-row td {
  background: #f0fdfa;
}

.mechanics-section th,
.mechanics-section td {
  background: #0f766e;
}

tbody tr.premium-row:hover td,
tbody tr.premium-row:hover th,
tbody tr.premium-total:hover td,
tbody tr.premium-total:hover th {
  background: #e9eef5;
}

tbody tr.claim-row:hover td,
tbody tr.claim-row:hover th {
  background: #ffeaf0;
}

tbody tr.mechanics-row:hover td,
tbody tr.mechanics-row:hover th {
  background: #dcf7f0;
}

thead th span,
thead th small {
  display: block;
}

thead th small {
  margin-top: 5px;
  color: var(--ink);
  font-size: 11px;
  font-weight: 750;
}

.metric-value {
  display: inline-grid;
  min-width: 108px;
  min-height: 32px;
  place-items: center;
  padding: 6px 8px;
  border: 1px solid transparent;
  font-size: 14px;
  font-weight: 950;
  cursor: help;
  white-space: nowrap;
}

.metric-best {
  border-color: rgba(15, 118, 110, 0.24);
  background: #f0fdfa;
  color: #075f57;
}

.metric-low {
  border-color: rgba(211, 17, 69, 0.24);
  background: var(--soft-red);
  color: var(--aia-red);
}

.tooltip-label {
  display: inline;
  color: var(--muted);
  border-bottom: 1px dotted rgba(100, 112, 125, 0.7);
  cursor: help;
  text-underline-offset: 4px;
}

.tooltip-label:hover,
.tooltip-label:focus {
  color: var(--ink);
  border-bottom-color: var(--aia-red);
  outline: none;
}

.info-tooltip {
  position: fixed;
  z-index: 50;
  max-width: 360px;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--ink);
  box-shadow: 0 18px 42px rgba(28, 37, 48, 0.2);
  padding: 13px 14px;
  font-size: 13px;
  font-weight: 750;
  line-height: 1.55;
  pointer-events: none;
}

.info-tooltip::before {
  content: "";
  position: absolute;
  top: -6px;
  left: 18px;
  width: 10px;
  height: 10px;
  border-left: 1px solid var(--line);
  border-top: 1px solid var(--line);
  background: #fff;
  transform: rotate(45deg);
}

.info-tooltip-title {
  margin-bottom: 5px;
  color: var(--ink);
  font-size: 12px;
  font-weight: 900;
}

.info-tooltip-body {
  color: var(--muted);
  white-space: pre-line;
}

.faq-list {
  display: grid;
  gap: 8px;
  padding: 18px 20px 20px;
}

.faq-links,
.faq-more .source-links {
  display: grid;
  gap: 12px;
}

.faq-entry {
  display: grid;
  gap: 4px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--line);
}

.faq-entry:last-child {
  padding-bottom: 0;
  border-bottom: 0;
}

.faq-entry strong {
  color: var(--ink);
  font-size: 12px;
  font-weight: 950;
  line-height: 1.35;
}

.faq-entry span {
  color: var(--muted);
  font-size: 12px;
  font-weight: 750;
  line-height: 1.45;
}

.source-details {
  margin-top: 8px;
}

.source-details summary {
  width: fit-content;
  color: var(--ink);
  font-weight: 900;
  cursor: pointer;
}

.source-details summary:hover {
  color: var(--aia-red);
}

.source-links {
  display: grid;
  gap: 8px;
  margin-top: 10px;
  padding: 10px;
  border: 1px solid var(--line);
  background: #fff;
}

.footnote {
  margin: 4px 0 0;
  color: var(--muted);
  font-size: 12px;
  font-weight: 750;
  line-height: 1.45;
}

@media (max-width: 980px) {
  .shell {
    padding: 14px;
  }

  .app-header {
    align-items: flex-start;
    flex-direction: column;
  }

  .setup-grid,
  .form-grid,
  .form-grid.three {
    grid-template-columns: 1fr;
  }

  h1 {
    font-size: 25px;
  }

  .ladder-row {
    grid-template-columns: 1fr;
    align-items: stretch;
  }

  .ladder-value {
    text-align: right;
  }
}