.retirement-lesson-page{background:var(--soft)}
.retirement-lesson-shell{max-width:1160px;padding-bottom:56px}
.retirement-hero{max-width:900px;padding:30px 0 20px}
.retirement-hero h1{font-size:clamp(31px,5vw,56px);line-height:1.13;letter-spacing:-.04em;margin:9px 0 14px;color:var(--ink)}
.retirement-hero p{max-width:780px;color:var(--muted);font-size:17px;line-height:1.7;margin:0}
.lesson-badges{display:flex;flex-wrap:wrap;gap:7px;margin-top:15px}.lesson-badges span{border:1px solid var(--line);border-radius:999px;padding:5px 9px;color:var(--muted);font-size:12px;font-weight:800;background:var(--surface)}
.chapter-nav{position:sticky;top:0;z-index:5;display:flex;flex-wrap:wrap;gap:8px;padding:10px 0 12px;background:color-mix(in srgb,var(--soft) 92%,transparent);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.chapter-nav a{display:inline-block;padding:7px 10px;border:1px solid var(--line);border-radius:9px;background:var(--surface);color:var(--blue);font-size:13px;font-weight:800;text-decoration:none;transition:transform .16s ease,background .16s ease,color .16s ease}
.chapter-nav a:hover{transform:translateY(-1px);background:var(--soft)}.chapter-nav .nav-tool{background:#f97316;color:#fff;border-color:#f97316}
.lesson-callout{margin:15px 0 18px;padding:15px 17px;border-left:4px solid #f97316;border-radius:11px;background:var(--surface);color:var(--ink)}
.lesson-callout p{margin:5px 0 0;color:var(--muted);line-height:1.65}
.retirement-grid{align-items:start;gap:18px}.lesson-article{min-width:0}.lesson-section,.sources-section{scroll-margin-top:74px;padding:22px 23px;margin:0 0 15px;background:var(--surface);border:1px solid var(--line);border-radius:14px}
.section-kicker{color:var(--teal,#0f9f8c);font-size:11px;font-weight:900;letter-spacing:.13em;text-transform:uppercase}.lesson-section h2,.sources-section h2{font-size:25px;line-height:1.3;margin:6px 0 13px;color:var(--ink)}.lesson-section h3{font-size:17px;line-height:1.35;margin:20px 0 5px;color:var(--ink)}.lesson-section p,.sources-section p{color:var(--muted);font-size:15px;line-height:1.75;margin:9px 0}.lesson-section a,.sources-section a{color:var(--blue);font-weight:800;text-decoration:underline}
.three-cards,.stress-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:9px;margin:13px 0 17px}.stress-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.three-cards>div,.stress-grid>div{min-width:0;padding:12px;border:1px solid var(--line);border-radius:10px;background:var(--soft)}.three-cards strong,.stress-grid strong{color:var(--ink);font-size:14px}.three-cards p,.stress-grid p{font-size:13px;line-height:1.55;margin:5px 0 0}
.formula-box{margin:13px 0;padding:13px 15px;border-left:4px solid #f4c95d;border-radius:9px;background:#07121f;color:#fff;font:14px/1.75 ui-monospace,SFMono-Regular,Consolas,monospace;overflow:auto}.formula-box strong{color:#f4c95d}.worked-example{margin:13px 0;padding:13px 15px;border:1px solid #2c665d;border-radius:10px;background:color-mix(in srgb,#2c665d 13%,var(--surface));color:var(--muted);font-size:14px;line-height:1.7}.worked-example strong{color:var(--ink)}
.comparison-table,.worked-table{width:100%;border-collapse:collapse;margin:14px 0;font-size:13px;display:block;overflow-x:auto}.comparison-table th,.comparison-table td,.worked-table th,.worked-table td{min-width:145px;padding:9px 10px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top;color:var(--muted);line-height:1.55}.comparison-table th,.worked-table th{color:var(--ink);background:var(--soft);font-size:12px}.comparison-table td strong,.worked-table td strong{color:var(--ink)}
.inline-cta,.tool-cta{display:flex;justify-content:space-between;align-items:center;gap:13px;margin-top:16px;padding:12px 14px;border-radius:10px;background:linear-gradient(110deg,#173c52,#16352e);color:#fff}.inline-cta span{font-size:13px;font-weight:800}.inline-cta a,.tool-cta a{display:inline-block;flex:none;padding:8px 10px;border-radius:8px;background:#f4c95d;color:#142033;text-decoration:none;font-size:12px;font-weight:900}.tool-cta{margin-top:18px;padding:16px}.tool-cta h2{font-size:19px;margin:5px 0;color:#fff}.tool-cta p{color:#c8d6e8;margin:4px 0;font-size:13px;line-height:1.5}.tool-cta a{background:#f97316;color:#fff}
.process-list{display:grid;gap:8px;margin:12px 0;padding-left:20px;color:var(--muted);font-size:14px;line-height:1.65}.process-list strong{color:var(--ink)}
.checklist{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px;padding:0;margin:13px 0;list-style:none}.checklist li{padding:10px 11px;border:1px solid var(--line);border-radius:9px;background:var(--soft);color:var(--muted);font-size:13px;line-height:1.55}.checklist li::before{content:'✓';display:inline-block;margin-right:7px;color:#087f5b;font-weight:900}
.source-list{display:grid;gap:6px;margin:10px 0 13px;padding-left:20px;color:var(--muted);font-size:13px;line-height:1.6}.disclaimer{padding:11px 13px;border:1px solid var(--line);border-radius:9px;background:var(--soft);font-size:13px!important}
.sticky-card{position:sticky;top:78px}.lesson-sidebar .side-card h2{font-size:20px;line-height:1.3}.lesson-sidebar .side-card p{color:var(--muted);font-size:13px;line-height:1.6}.side-action{display:inline-block;margin-top:5px;padding:8px 10px;border-radius:8px;background:#f97316;color:#fff!important;text-decoration:none!important;font-size:13px;font-weight:900}
.lesson-footer{border-top:1px solid var(--line);padding-top:16px;color:var(--muted);font-size:12px;line-height:1.6}
@media(max-width:850px){.retirement-lesson-shell{padding-left:14px;padding-right:14px}.retirement-grid{grid-template-columns:1fr}.sticky-card{position:static}.chapter-nav{overflow-x:auto;flex-wrap:nowrap}.chapter-nav a{white-space:nowrap}.lesson-sidebar{display:grid;grid-template-columns:1fr 1fr;gap:10px}.lesson-sidebar .side-card{margin-top:0}}
@media(max-width:560px){.retirement-hero{padding-top:24px}.retirement-hero p{font-size:15px}.lesson-badges span{font-size:11px}.lesson-section,.sources-section{padding:17px 15px}.lesson-section h2,.sources-section h2{font-size:21px}.lesson-section p,.sources-section p{font-size:14px;line-height:1.7}.three-cards,.stress-grid,.checklist,.lesson-sidebar{grid-template-columns:1fr}.inline-cta,.tool-cta{align-items:flex-start;flex-direction:column}.inline-cta a,.tool-cta a{width:100%;text-align:center}.formula-box{font-size:12px}.comparison-table,.worked-table{font-size:12px}.comparison-table th,.comparison-table td,.worked-table th,.worked-table td{min-width:190px;padding:8px}.process-list{font-size:13px}}
@media(prefers-reduced-motion:reduce){.chapter-nav a{transition:none}}