/* ============================================
   RETIREMENT PLANNING SECTION
   @SergeantofFinance - Interactive Annuity Calculator
   Dark theme with gold accents
   ============================================ */

:root {
  --retirement-bg: #0a0a0a;
  --retirement-card-bg: #161616;
  --retirement-gold: #c8a76e;
  --retirement-gold-dark: #a67c3f;
  --retirement-text: #f5f5f5;
  --retirement-text-secondary: #a0a0a0;
  --retirement-border: rgba(255, 255, 255, 0.08);
  --retirement-success: #22c55e;
  --retirement-warning: #f59e0b;
  --retirement-danger: #ef4444;
}

/* Carousel Item Background */
.carousel-item[data-bs-slide-index="5"] {
  background: #0a0a0a !important;
}

/* Page Container */
.retirement-page {
  min-height: 100vh;
  height: 100vh;
  width: 100%;
  display: flex;
  background: var(--retirement-bg);
  overflow: hidden;
  color: var(--retirement-text);
  position: relative;
}

/* Subtle noise texture */
.retirement-page::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" width="100" height="100"><filter id="n"><feTurbulence type="fractalNoise" baseFrequency="0.9" numOctaves="3" stitchTiles="stitch"/></filter><rect width="100%" height="100%" filter="url(%23n)" opacity="0.04"/></svg>');
  pointer-events: none;
  z-index: 0;
}

/* ================================
   LEFT SIDE: CONTENT PANEL
   ================================ */

.retirement-content-panel {
  width: 50%;
  height: 100vh;
  overflow-y: auto;
  padding: 80px 50px 40px 50px;
  background: rgba(16, 16, 16, 0.8);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-right: 1px solid var(--retirement-border);
  z-index: 1;
  scrollbar-width: thin;
  scrollbar-color: var(--retirement-gold) transparent;
}

.retirement-content-panel::-webkit-scrollbar {
  width: 6px;
}

.retirement-content-panel::-webkit-scrollbar-track {
  background: transparent;
}

.retirement-content-panel::-webkit-scrollbar-thumb {
  background: var(--retirement-gold);
  border-radius: 3px;
}

/* Header */
.retirement-header {
  text-align: center;
  margin-bottom: 30px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--retirement-border);
}

.retirement-label {
  font-size: 0.7rem;
  letter-spacing: 3px;
  color: var(--retirement-gold);
  margin-bottom: 8px;
  font-weight: 600;
  text-transform: uppercase;
}

.retirement-title {
  font-family: 'Playfair Display', serif;
  font-size: 2.5rem;
  margin-bottom: 10px;
  font-weight: 400;
  letter-spacing: -0.5px;
  background: linear-gradient(135deg, var(--retirement-gold) 0%, #d4b678 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.retirement-subtitle {
  font-size: 0.85rem;
  color: var(--retirement-text-secondary);
  letter-spacing: 1px;
  text-transform: uppercase;
}

/* Tab Navigation */
.retirement-tab-nav {
  display: flex;
  gap: 10px;
  margin-bottom: 30px;
  background: rgba(20, 20, 25, 0.5);
  padding: 8px;
  border-radius: 12px;
  border: 1px solid var(--retirement-border);
}

.retirement-tab {
  flex: 1;
  padding: 15px 20px;
  background: transparent;
  border: none;
  color: var(--retirement-text-secondary);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  cursor: pointer;
  transition: all 0.3s ease;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.retirement-tab:hover {
  color: var(--retirement-text);
  background: rgba(255, 255, 255, 0.02);
}

.retirement-tab.active {
  color: var(--retirement-gold);
  background: rgba(200, 167, 110, 0.12);
  box-shadow: 0 4px 12px rgba(200, 167, 110, 0.15);
}

.retirement-tab i {
  font-size: 1.1rem;
}

/* Tab Content */
.retirement-tab-content {
  display: none;
}

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

/* Quiz Intro */
.retirement-quiz-intro {
  text-align: center;
  margin-bottom: 30px;
}

.retirement-quiz-intro h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  color: var(--retirement-gold);
  margin-bottom: 12px;
  font-weight: 400;
}

.retirement-quiz-intro p {
  font-size: 0.95rem;
  color: var(--retirement-text-secondary);
}

/* Quiz Progress */
.retirement-quiz-progress {
  width: 100%;
  height: 4px;
  background: var(--retirement-border);
  border-radius: 2px;
  margin-bottom: 30px;
  overflow: hidden;
}

.retirement-quiz-progress-bar {
  height: 100%;
  background: var(--retirement-gold);
  transition: width 0.3s ease;
  width: 0%;
}

/* Quiz Questions */
.retirement-question {
  display: none;
  animation: slideIn 0.4s ease;
}

.retirement-question.active {
  display: block;
}

@keyframes slideIn {
  from {
    opacity: 0;
    transform: translateX(20px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

.retirement-question h3 {
  font-size: 1.3rem;
  margin-bottom: 8px;
  color: var(--retirement-text);
  font-weight: 600;
}

.retirement-q-hint {
  color: var(--retirement-text-secondary);
  font-size: 0.9rem;
  margin-bottom: 20px;
}

/* Quiz Options */
.retirement-options {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.retirement-option {
  padding: 16px 20px;
  background: rgba(25, 25, 30, 0.5);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1.5px solid var(--retirement-border);
  border-radius: 10px;
  color: var(--retirement-text);
  font-size: 0.95rem;
  cursor: pointer;
  transition: all 0.3s ease;
  text-align: left;
  font-weight: 500;
}

.retirement-option:hover {
  border-color: var(--retirement-gold);
  background: rgba(200, 167, 110, 0.08);
  transform: translateX(6px);
}

.retirement-option:active {
  transform: scale(0.98);
}

/* Results */
.retirement-results-preview {
  margin-bottom: 30px;
  transition: filter 0.3s ease;
}

.retirement-results-preview.locked {
  filter: blur(8px);
  pointer-events: none;
  user-select: none;
}

.retirement-recommendation {
  background: rgba(200, 167, 110, 0.1);
  border: 2px solid var(--retirement-gold);
  border-radius: 12px;
  padding: 30px;
  margin-bottom: 20px;
  text-align: center;
}

.retirement-recommendation h3 {
  font-size: 1.5rem;
  color: var(--retirement-gold);
  margin-bottom: 15px;
}

.retirement-recommendation #recommendation-text {
  font-size: 1.1rem;
  line-height: 1.7;
  color: var(--retirement-text);
}

.retirement-reasons {
  background: var(--retirement-card-bg);
  border: 1px solid var(--retirement-border);
  border-radius: 10px;
  padding: 25px;
}

.retirement-reasons h4 {
  margin-bottom: 15px;
  color: var(--retirement-gold);
  font-size: 1.1rem;
}

.retirement-reasons #recommendation-reasons {
  line-height: 1.7;
  color: var(--retirement-text-secondary);
}

/* Email Gate */
.retirement-email-gate {
  text-align: center;
  padding: 25px;
  background: rgba(20, 20, 25, 0.6);
  border-radius: 12px;
  border: 1px solid var(--retirement-border);
}

.retirement-email-gate p {
  font-size: 1.05rem;
  color: var(--retirement-text-secondary);
  margin-bottom: 15px;
}

.retirement-email-gate input {
  width: 100%;
  max-width: 400px;
  padding: 14px 18px;
  background: rgba(10, 10, 10, 0.7);
  border: 1px solid var(--retirement-border);
  border-radius: 8px;
  color: var(--retirement-text);
  font-size: 0.95rem;
  margin-bottom: 15px;
}

.retirement-email-gate input:focus {
  outline: none;
  border-color: var(--retirement-gold);
  box-shadow: 0 0 0 3px rgba(200, 167, 110, 0.15);
}

.retirement-privacy-note {
  font-size: 0.8rem;
  color: var(--retirement-text-secondary);
  margin-top: 12px;
  font-style: italic;
}

/* Restart Quiz Button */
.retirement-restart-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  border: 1px solid var(--retirement-border);
  color: var(--retirement-text-secondary);
  padding: 10px 20px;
  border-radius: 8px;
  font-size: 0.9rem;
  cursor: pointer;
  transition: all 0.3s ease;
  margin-bottom: 25px;
}

.retirement-restart-btn:hover {
  border-color: var(--retirement-gold);
  color: var(--retirement-gold);
  background: rgba(200, 167, 110, 0.1);
}

.retirement-restart-btn i {
  font-size: 1rem;
}

/* Buttons */
.retirement-btn-primary {
  padding: 14px 40px;
  background: var(--retirement-gold);
  color: #0f0f0f;
  border: none;
  border-radius: 8px;
  font-size: 0.9rem;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.3s ease;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  box-shadow: 0 4px 15px rgba(200, 167, 110, 0.25);
}

.retirement-btn-primary:hover {
  background: #d4b678;
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(200, 167, 110, 0.35);
}

.retirement-btn-outline {
  padding: 14px 40px;
  background: transparent;
  border: 2px solid var(--retirement-gold);
  color: var(--retirement-gold);
  border-radius: 8px;
  font-size: 0.9rem;
  font-weight: 700;
  cursor: pointer;
  transition: all 0.3s ease;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.retirement-btn-outline:hover {
  background: var(--retirement-gold);
  color: #0f0f0f;
  transform: translateY(-2px);
}

/* Calculator Styles */
.retirement-calc-intro {
  text-align: center;
  margin-bottom: 30px;
}

.retirement-calc-intro h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  color: var(--retirement-gold);
  margin-bottom: 10px;
  font-weight: 400;
}

.retirement-calc-intro p {
  font-size: 0.95rem;
  color: var(--retirement-text-secondary);
}

.retirement-calc-section {
  margin-bottom: 35px;
}

.retirement-calc-section .retirement-label {
  display: block;
  font-size: 0.75rem;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--retirement-text-secondary);
  margin-bottom: 12px;
  text-align: left;
}

.retirement-select {
  width: 100%;
  padding: 14px 18px;
  background: rgba(25, 25, 30, 0.5);
  backdrop-filter: blur(8px);
  border: 1px solid var(--retirement-border);
  border-radius: 8px;
  color: var(--retirement-text);
  font-size: 0.95rem;
  cursor: pointer;
  transition: all 0.3s ease;
}

.retirement-select:focus {
  outline: none;
  border-color: var(--retirement-gold);
  box-shadow: 0 0 0 3px rgba(200, 167, 110, 0.15);
}

.retirement-slider-value {
  font-size: 2rem;
  font-weight: 700;
  color: var(--retirement-gold);
  margin-bottom: 15px;
  font-family: 'Playfair Display', serif;
}

.retirement-slider {
  width: 100%;
  height: 5px;
  border-radius: 3px;
  background: var(--retirement-border);
  outline: none;
  -webkit-appearance: none;
  margin-bottom: 8px;
}

.retirement-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--retirement-gold);
  cursor: pointer;
  transition: all 0.2s ease;
  border: 3px solid #0a0a0a;
  box-shadow: 0 0 0 1px rgba(200, 167, 110, 0.4);
}

.retirement-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
  box-shadow: 0 0 0 6px rgba(200, 167, 110, 0.25);
}

.retirement-slider::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--retirement-gold);
  cursor: pointer;
  border: 3px solid #0a0a0a;
  box-shadow: 0 0 0 1px rgba(200, 167, 110, 0.4);
  transition: all 0.2s ease;
}

.retirement-slider::-moz-range-thumb:hover {
  transform: scale(1.2);
  box-shadow: 0 0 0 6px rgba(200, 167, 110, 0.25);
}

.retirement-slider-range {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: var(--retirement-text-secondary);
}

/* Results Display */
.retirement-calc-results {
  background: rgba(30, 30, 35, 0.6);
  backdrop-filter: blur(12px);
  border: 1px solid var(--retirement-border);
  border-radius: 12px;
  padding: 25px;
  margin-bottom: 25px;
}

.retirement-calc-results h3 {
  font-size: 0.75rem;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--retirement-text-secondary);
  margin-bottom: 20px;
}

.retirement-comparison-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid var(--retirement-border);
}

.retirement-comparison-row:last-child {
  border-bottom: none;
}

.retirement-comparison-row.highlight {
  background: rgba(200, 167, 110, 0.05);
  padding: 12px 15px;
  border-radius: 6px;
  margin-top: 8px;
}

.retirement-comparison-row span:first-child {
  font-size: 0.9rem;
  color: var(--retirement-text-secondary);
}

.retirement-value {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--retirement-text);
}

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

/* Chart */
.retirement-chart-wrapper {
  background: rgba(30, 30, 35, 0.6);
  backdrop-filter: blur(12px);
  border: 1px solid var(--retirement-border);
  border-radius: 12px;
  padding: 20px;
  margin-bottom: 25px;
  height: 400px;
  position: relative;
}

.retirement-chart-wrapper h4 {
  font-size: 0.8rem;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--retirement-text-secondary);
  margin-bottom: 15px;
}

.retirement-chart-wrapper canvas {
  max-height: 340px;
}

/* CTA Box */
.retirement-cta-box {
  background: rgba(200, 167, 110, 0.1);
  border: 1px solid var(--retirement-gold);
  border-radius: 12px;
  padding: 25px;
  text-align: center;
}

.retirement-cta-box h4 {
  color: var(--retirement-gold);
  margin-bottom: 10px;
  font-size: 1.1rem;
}

.retirement-cta-box p {
  color: var(--retirement-text-secondary);
  margin-bottom: 20px;
  font-size: 0.9rem;
}

/* ================================
   QUIZ CONTACT FORM
   ================================ */

.retirement-contact-form {
  background: linear-gradient(135deg, rgba(200, 167, 110, 0.08) 0%, rgba(200, 167, 110, 0.03) 100%);
  border: 1px solid rgba(200, 167, 110, 0.3);
  border-radius: 16px;
  padding: 30px;
  margin-top: 25px;
}

.retirement-form-header {
  text-align: center;
  margin-bottom: 25px;
}

.retirement-form-wave {
  font-size: 2.5rem;
  display: block;
  margin-bottom: 10px;
  animation: wave 2s ease-in-out infinite;
  transform-origin: 70% 70%;
}

@keyframes wave {
  0%, 100% { transform: rotate(0deg); }
  10%, 30% { transform: rotate(14deg); }
  20% { transform: rotate(-8deg); }
  40% { transform: rotate(-4deg); }
  50%, 100% { transform: rotate(0deg); }
}

.retirement-form-header h4 {
  color: var(--retirement-gold);
  font-size: 1.4rem;
  margin-bottom: 8px;
  font-weight: 600;
}

.retirement-form-header p {
  color: var(--retirement-text-secondary);
  font-size: 0.95rem;
  margin: 0;
}

.retirement-form {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.retirement-form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 15px;
}

.retirement-form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.retirement-form-group label {
  font-size: 0.85rem;
  color: var(--retirement-text);
  font-weight: 500;
}

.retirement-form-group label .optional {
  color: var(--retirement-text-secondary);
  font-weight: 400;
  font-size: 0.8rem;
}

.retirement-form-group input,
.retirement-form-group textarea {
  background: rgba(0, 0, 0, 0.3);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 10px;
  padding: 12px 15px;
  color: var(--retirement-text);
  font-size: 0.95rem;
  transition: all 0.3s ease;
}

.retirement-form-group input::placeholder,
.retirement-form-group textarea::placeholder {
  color: rgba(255, 255, 255, 0.3);
}

.retirement-form-group input:focus,
.retirement-form-group textarea:focus {
  outline: none;
  border-color: var(--retirement-gold);
  box-shadow: 0 0 0 3px rgba(200, 167, 110, 0.15);
  background: rgba(0, 0, 0, 0.4);
}

.retirement-form-group textarea {
  resize: vertical;
  min-height: 80px;
}

.retirement-form-submit {
  background: linear-gradient(135deg, var(--retirement-gold) 0%, var(--retirement-gold-dark) 100%);
  color: #0a0a0a;
  border: none;
  border-radius: 10px;
  padding: 14px 28px;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.3s ease;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  margin-top: 5px;
}

.retirement-form-submit:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(200, 167, 110, 0.35);
}

.retirement-form-submit:active {
  transform: translateY(0);
}

.retirement-form-submit i {
  font-size: 1.1rem;
}

.retirement-form-note {
  text-align: center;
  color: var(--retirement-text-secondary);
  font-size: 0.8rem;
  margin: 10px 0 0 0;
  opacity: 0.8;
}

/* Form Success Message */
.retirement-form-success {
  text-align: center;
  padding: 40px 20px;
}

.retirement-form-success .success-icon {
  width: 70px;
  height: 70px;
  background: linear-gradient(135deg, var(--retirement-success) 0%, #16a34a 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-size: 2rem;
  color: white;
  animation: successPop 0.5s ease-out;
}

@keyframes successPop {
  0% { transform: scale(0); opacity: 0; }
  50% { transform: scale(1.2); }
  100% { transform: scale(1); opacity: 1; }
}

.retirement-form-success h4 {
  color: var(--retirement-success);
  font-size: 1.5rem;
  margin-bottom: 10px;
}

.retirement-form-success p {
  color: var(--retirement-text-secondary);
  font-size: 1rem;
  margin: 0;
}

/* Submit button states */
.retirement-form-submit:disabled {
  opacity: 0.7;
  cursor: not-allowed;
  transform: none;
}

/* Responsive form */
@media (max-width: 600px) {
  .retirement-form-row {
    grid-template-columns: 1fr;
  }

  .retirement-contact-form {
    padding: 20px;
  }
}

/* ================================
   RIGHT SIDE: IMAGE PANEL
   ================================ */

.retirement-image-panel {
  width: 50%;
  height: 100vh;
  position: relative;
  overflow: hidden;
  background: #000;
  z-index: 1;
}

.retirement-image {
  width: 100%;
  height: 100%;
  position: absolute;
  top: 0;
  left: 0;
  opacity: 0;
  transition: opacity 0.6s ease;
}

.retirement-image.active {
  opacity: 1;
}

.retirement-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
}

/* ================================
   EXPLORE ANNUITIES TAB STYLES
   ================================ */

.retirement-explore-intro {
  text-align: center;
  margin-bottom: 30px;
}

.retirement-explore-intro h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  color: var(--retirement-gold);
  margin-bottom: 10px;
  font-weight: 400;
}

.retirement-subtitle-text {
  font-size: 0.95rem;
  color: var(--retirement-text-secondary);
}

.retirement-info-section {
  margin-bottom: 25px;
}

.retirement-info-section h3 {
  font-size: 1.3rem;
  color: var(--retirement-text);
  margin-bottom: 12px;
  font-weight: 600;
}

.retirement-info-section p {
  font-size: 0.95rem;
  color: var(--retirement-text-secondary);
  line-height: 1.6;
}

/* Annuity Types Cards */
.retirement-annuity-types {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  margin-bottom: 30px;
}

.retirement-type-card {
  background: rgba(25, 25, 30, 0.5);
  backdrop-filter: blur(8px);
  border: 1.5px solid var(--retirement-border);
  border-radius: 12px;
  padding: 25px;
  transition: all 0.3s ease;
}

.retirement-type-card:hover {
  border-color: var(--retirement-gold);
  background: rgba(200, 167, 110, 0.05);
  transform: translateY(-2px);
}

.retirement-type-icon {
  font-size: 2.5rem;
  margin-bottom: 12px;
}

.retirement-type-card h4 {
  font-size: 1.1rem;
  color: var(--retirement-gold);
  margin-bottom: 8px;
  font-weight: 600;
}

.retirement-type-subtitle {
  font-size: 0.85rem;
  color: var(--retirement-text-secondary);
  font-style: italic;
  margin-bottom: 15px;
}

.retirement-type-features {
  list-style: none;
  padding: 0;
  margin: 0;
}

.retirement-type-features li {
  font-size: 0.9rem;
  color: var(--retirement-text);
  padding: 8px 0;
  padding-left: 20px;
  position: relative;
  line-height: 1.5;
}

.retirement-type-features li::before {
  content: '•';
  position: absolute;
  left: 0;
  color: var(--retirement-gold);
  font-weight: bold;
}

/* Calculator Note */
.retirement-calculator-note {
  background: rgba(200, 167, 110, 0.08);
  border-left: 3px solid var(--retirement-gold);
  padding: 15px 20px;
  margin-bottom: 30px;
  border-radius: 6px;
}

.retirement-calculator-note p {
  font-size: 0.9rem;
  color: var(--retirement-text);
  margin: 0;
  line-height: 1.6;
}

/* Fine Print Section */
.retirement-fine-print-section {
  margin-top: 30px;
}

.retirement-fine-print-section h3 {
  font-size: 1.4rem;
  color: var(--retirement-warning);
  margin-bottom: 15px;
  font-weight: 600;
}

.retirement-transparency {
  font-size: 0.95rem;
  color: var(--retirement-text-secondary);
  margin-bottom: 20px;
  line-height: 1.6;
}

.retirement-cost-card {
  background: rgba(30, 30, 35, 0.6);
  backdrop-filter: blur(12px);
  border: 1px solid var(--retirement-border);
  border-radius: 10px;
  padding: 20px;
  margin-bottom: 20px;
}

.retirement-cost-card h4 {
  font-size: 1.05rem;
  color: var(--retirement-gold);
  margin-bottom: 15px;
  font-weight: 600;
}

.retirement-cost-card p {
  font-size: 0.9rem;
  color: var(--retirement-text-secondary);
  margin-bottom: 15px;
  line-height: 1.6;
}

.retirement-cost-card ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.retirement-cost-card ul li {
  font-size: 0.9rem;
  color: var(--retirement-text);
  padding: 8px 0;
  padding-left: 20px;
  position: relative;
  line-height: 1.5;
}

.retirement-cost-card ul li::before {
  content: '•';
  position: absolute;
  left: 0;
  color: var(--retirement-danger);
  font-weight: bold;
}

/* Surrender Table */
.retirement-surrender-table {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  margin: 20px 0;
}

.retirement-surrender-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: rgba(20, 20, 25, 0.6);
  padding: 12px 15px;
  border-radius: 6px;
  border: 1px solid var(--retirement-border);
}

.retirement-surrender-row span:first-child {
  font-size: 0.9rem;
  color: var(--retirement-text-secondary);
}

.retirement-fee {
  font-size: 1rem;
  font-weight: 700;
  color: var(--retirement-danger);
}

.retirement-fee-good {
  font-size: 1rem;
  font-weight: 700;
  color: var(--retirement-success);
}

.retirement-example {
  background: rgba(200, 167, 110, 0.1);
  border-left: 3px solid var(--retirement-gold);
  padding: 12px 15px;
  border-radius: 4px;
  font-size: 0.85rem;
  color: var(--retirement-text);
  line-height: 1.5;
}

/* Bottom Line */
.retirement-bottom-line {
  background: rgba(200, 167, 110, 0.15);
  border: 2px solid var(--retirement-gold);
  border-radius: 10px;
  padding: 20px;
  margin-top: 25px;
}

.retirement-bottom-line p {
  font-size: 0.95rem;
  color: var(--retirement-text);
  margin: 0;
  line-height: 1.7;
}

/* ================================
   WITHDRAWAL CALCULATOR STYLES
   ================================ */

.retirement-withdrawal-section {
  margin-top: 40px;
  padding-top: 30px;
  border-top: 2px solid var(--retirement-border);
}

.retirement-withdrawal-title {
  font-size: 1.5rem;
  color: var(--retirement-gold);
  margin-bottom: 25px;
  text-align: center;
  font-weight: 600;
}

.retirement-withdrawal-inputs {
  margin-bottom: 30px;
}

.retirement-withdrawal-results {
  background: rgba(30, 30, 35, 0.6);
  backdrop-filter: blur(12px);
  border: 1px solid var(--retirement-border);
  border-radius: 12px;
  padding: 25px;
}

.retirement-withdrawal-header {
  text-align: center;
  padding: 15px;
  border-radius: 8px;
  margin-bottom: 25px;
}

.retirement-withdrawal-header.high-cost {
  background: rgba(239, 68, 68, 0.15);
  border: 2px solid var(--retirement-danger);
}

.retirement-withdrawal-header.moderate-cost {
  background: rgba(245, 158, 11, 0.15);
  border: 2px solid var(--retirement-warning);
}

.retirement-withdrawal-header.low-cost {
  background: rgba(34, 197, 94, 0.15);
  border: 2px solid var(--retirement-success);
}

.retirement-withdrawal-header h4 {
  font-size: 1.1rem;
  font-weight: 700;
  letter-spacing: 1px;
  margin: 0;
}

.retirement-withdrawal-header.high-cost h4 {
  color: var(--retirement-danger);
}

.retirement-withdrawal-header.moderate-cost h4 {
  color: var(--retirement-warning);
}

.retirement-withdrawal-header.low-cost h4 {
  color: var(--retirement-success);
}

.retirement-withdrawal-breakdown,
.retirement-withdrawal-summary {
  margin-bottom: 20px;
}

.retirement-withdrawal-breakdown h5,
.retirement-withdrawal-summary h5 {
  font-size: 0.8rem;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--retirement-text-secondary);
  margin-bottom: 15px;
}

.retirement-withdrawal-line {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 0;
  border-bottom: 1px solid var(--retirement-border);
}

.retirement-withdrawal-line:last-child {
  border-bottom: none;
}

.retirement-withdrawal-line.penalty {
  opacity: 0.9;
}

.retirement-withdrawal-line.total {
  margin-top: 10px;
  padding-top: 15px;
  border-top: 2px solid var(--retirement-gold);
}

.retirement-withdrawal-line span:first-child {
  font-size: 0.9rem;
  color: var(--retirement-text-secondary);
}

.retirement-withdrawal-value {
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--retirement-text);
}

.retirement-withdrawal-penalty {
  font-size: 1rem;
  font-weight: 600;
  color: var(--retirement-danger);
}

.retirement-withdrawal-total {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--retirement-success);
}

.retirement-withdrawal-warning {
  background: rgba(200, 167, 110, 0.1);
  border-left: 3px solid var(--retirement-gold);
  padding: 15px 20px;
  border-radius: 6px;
  margin-top: 20px;
}

.retirement-withdrawal-warning p {
  font-size: 0.9rem;
  color: var(--retirement-text);
  margin: 0;
  line-height: 1.6;
}

/* Responsive */
@media (max-width: 1024px) {
  .retirement-page {
    flex-direction: column;
    overflow-y: auto;
    overflow-x: hidden;
  }

  .retirement-content-panel,
  .retirement-image-panel {
    width: 100%;
    height: auto;
  }

  .retirement-content-panel {
    border-right: none;
    border-bottom: 1px solid var(--retirement-border);
    min-height: 100vh;
    overflow-y: auto;
  }

  .retirement-image-panel {
    display: none;
  }
}

@media (max-width: 640px) {
  .retirement-content-panel {
    padding: 70px 15px 20px 15px;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
  }

  .retirement-title {
    font-size: 1.6rem;
  }

  .retirement-subtitle {
    font-size: 0.8rem;
  }

  .retirement-tab-nav {
    flex-wrap: wrap;
    gap: 6px;
    padding: 6px;
    margin-bottom: 20px;
  }

  .retirement-tab {
    padding: 10px 12px;
    font-size: 0.7rem;
    letter-spacing: 0.5px;
    gap: 5px;
    flex: 1 1 40%;
  }

  .retirement-tab:last-child {
    flex: 1 1 100%;
  }

  .retirement-tab i {
    font-size: 0.9rem;
  }

  .retirement-quiz-intro h2,
  .retirement-calc-intro h2 {
    font-size: 1.3rem;
  }

  .retirement-quiz-intro p {
    font-size: 0.85rem;
  }

  .retirement-question h3 {
    font-size: 1.1rem;
  }

  .retirement-option {
    padding: 12px 14px;
    font-size: 0.85rem;
  }

  .retirement-btn-primary,
  .retirement-btn-outline {
    padding: 12px 24px;
    font-size: 0.85rem;
  }

  .retirement-calc-section {
    margin-bottom: 15px;
  }

  .retirement-label {
    font-size: 0.75rem;
  }

  .retirement-slider-value {
    font-size: 1.1rem;
  }
}

/* ============================================
   ANNUITIES CAMPAIGN MODAL
   ============================================ */

.campaign-modal {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.85);
  z-index: 10001;
  justify-content: center;
  align-items: center;
  padding: 20px;
  backdrop-filter: blur(8px);
}

.campaign-modal.active {
  display: flex;
}

.campaign-modal-content {
  background: linear-gradient(135deg, #1a1a1a 0%, #0d0d0d 100%);
  border-radius: 24px;
  max-width: 480px;
  width: 100%;
  padding: 40px;
  position: relative;
  border: 1px solid rgba(200, 167, 110, 0.3);
  box-shadow:
    0 25px 80px rgba(0, 0, 0, 0.5),
    0 0 60px rgba(200, 167, 110, 0.1);
  animation: campaignSlideIn 0.4s ease-out;
}

@keyframes campaignSlideIn {
  from {
    opacity: 0;
    transform: translateY(-40px) scale(0.9);
  }
  to {
    opacity: 1;
    transform: translateY(0) scale(1);
  }
}

.campaign-modal-close {
  position: absolute;
  top: 15px;
  right: 20px;
  background: none;
  border: none;
  font-size: 2rem;
  color: #666;
  cursor: pointer;
  transition: color 0.2s;
  line-height: 1;
}

.campaign-modal-close:hover {
  color: #fff;
}

.campaign-modal-header {
  text-align: center;
  margin-bottom: 30px;
}

.campaign-modal-icon {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, var(--retirement-gold) 0%, var(--retirement-gold-dark) 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-size: 2.5rem;
  color: #0a0a0a;
}

.campaign-modal-header h2 {
  font-size: 1.6rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 10px;
}

.campaign-modal-header p {
  font-size: 1rem;
  color: #a0a0a0;
  line-height: 1.5;
}

.campaign-modal-benefits {
  background: rgba(200, 167, 110, 0.08);
  border-radius: 12px;
  padding: 20px;
  margin-bottom: 25px;
}

.campaign-benefit {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 0;
  color: #e0e0e0;
  font-size: 0.95rem;
}

.campaign-benefit:not(:last-child) {
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.campaign-benefit i {
  color: var(--retirement-gold);
  font-size: 1.1rem;
}

.campaign-modal-actions {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.campaign-btn-primary {
  width: 100%;
  padding: 16px 25px;
  background: linear-gradient(135deg, var(--retirement-gold) 0%, var(--retirement-gold-dark) 100%);
  color: #0a0a0a;
  border: none;
  border-radius: 12px;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  transition: all 0.3s;
}

.campaign-btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(200, 167, 110, 0.3);
}

.campaign-btn-secondary {
  width: 100%;
  padding: 14px 25px;
  background: transparent;
  color: var(--retirement-gold);
  border: 2px solid var(--retirement-gold);
  border-radius: 12px;
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  transition: all 0.3s;
}

.campaign-btn-secondary:hover {
  background: rgba(200, 167, 110, 0.1);
}

.campaign-modal-note {
  text-align: center;
  color: #666;
  font-size: 0.85rem;
  margin-top: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.campaign-modal-note i {
  color: var(--retirement-gold);
}

/* ============================================
   CAMPAIGN CONFIRMATION PAGE
   ============================================ */

.campaign-confirmation {
  position: fixed;
  inset: 0;
  background: linear-gradient(135deg, #0a0a0a 0%, #1a1a1a 100%);
  z-index: 10002;
  display: flex;
  justify-content: center;
  align-items: center;
  padding: 20px;
}

.confirmation-content {
  text-align: center;
  max-width: 500px;
  padding: 40px;
}

.confirmation-icon {
  width: 100px;
  height: 100px;
  background: linear-gradient(135deg, #22c55e 0%, #16a34a 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 30px;
  font-size: 3rem;
  color: #fff;
  animation: confirmationBounce 0.6s ease-out;
}

@keyframes confirmationBounce {
  0% { transform: scale(0); }
  50% { transform: scale(1.1); }
  100% { transform: scale(1); }
}

.confirmation-content h1 {
  font-size: 2.5rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 10px;
}

.confirmation-content > p {
  font-size: 1.1rem;
  color: #a0a0a0;
  margin-bottom: 30px;
}

.confirmation-details {
  background: rgba(200, 167, 110, 0.08);
  border-radius: 16px;
  padding: 25px;
  text-align: left;
  margin-bottom: 30px;
  border: 1px solid rgba(200, 167, 110, 0.2);
}

.confirmation-details p {
  color: var(--retirement-gold);
  font-weight: 600;
  margin-bottom: 15px;
}

.confirmation-details ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.confirmation-details li {
  color: #d0d0d0;
  padding: 8px 0;
  padding-left: 25px;
  position: relative;
  font-size: 0.95rem;
}

.confirmation-details li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--retirement-gold);
  font-weight: bold;
}

.confirmation-btn {
  padding: 16px 40px;
  background: linear-gradient(135deg, var(--retirement-gold) 0%, var(--retirement-gold-dark) 100%);
  color: #0a0a0a;
  border: none;
  border-radius: 12px;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  transition: all 0.3s;
}

.confirmation-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(200, 167, 110, 0.3);
}

/* Mobile Responsive */
@media (max-width: 500px) {
  .campaign-modal {
    align-items: flex-start;
    padding-top: 60px;
  }

  .campaign-modal-content {
    padding: 25px 18px;
    border-radius: 20px;
    max-height: calc(100vh - 80px);
    overflow-y: auto;
  }

  .campaign-modal-icon {
    width: 56px;
    height: 56px;
    font-size: 1.6rem;
    margin-bottom: 10px;
  }

  .campaign-modal-header {
    margin-bottom: 16px;
  }

  .campaign-modal-header h2 {
    font-size: 1.25rem;
  }

  .campaign-modal-header p {
    font-size: 0.9rem;
  }

  .campaign-modal-benefits {
    padding: 14px;
    margin-bottom: 16px;
  }

  .campaign-modal-actions {
    gap: 8px;
  }

  .confirmation-icon {
    width: 80px;
    height: 80px;
    font-size: 2.5rem;
  }

  .confirmation-content h1 {
    font-size: 2rem;
  }
}