/* OnTerra Systems — shared stylesheet (retirement-guide). Edit here, not in individual pages. */
  .rt-cred { background: white; border-bottom: 1px solid var(--border); padding: 22px 0; }
  .rt-cred ul { list-style: none; display: flex; flex-direction: column; align-items: flex-start; gap: 10px; width: fit-content; max-width: 1100px; margin: 0 auto; padding: 0 24px; }
  .rt-cred li { display: flex; align-items: center; gap: 10px; font-family: var(--font-head); font-weight: 700; color: var(--navy); font-size: 0.98rem; }
  .rt-check { flex-shrink: 0; width: 26px; height: 26px; border-radius: 50%; background: var(--navy); color: white; display: inline-flex; align-items: center; justify-content: center; font-size: 0.85rem; }
  .rt-list { list-style: none; margin: 8px 0 20px; padding: 0; }
  .rt-list li { position: relative; padding: 10px 0 10px 38px; border-bottom: 1px solid var(--border); font-size: 1rem; line-height: 1.6; color: var(--gray); }
  .rt-list li:last-child { border-bottom: 0; }
  .rt-list li::before { content: '\2713'; position: absolute; left: 0; top: 10px; width: 24px; height: 24px; border-radius: 50%; background: var(--navy); color: white; font-weight: 700; font-size: 0.8rem; display: flex; align-items: center; justify-content: center; }
  .rt-list code, .rt-faq code { font-family: Consolas, Menlo, monospace; font-size: 0.88em; background: var(--light); color: var(--navy); padding: 1px 6px; border-radius: 4px; overflow-wrap: anywhere; }
  .rt-callout { background: var(--light); border-left: 4px solid var(--navy); padding: 16px 20px; border-radius: 6px; margin: 22px 0; font-weight: 600; color: var(--navy); line-height: 1.6; }
  .rt-kicker { display: inline-block; font-family: var(--font-head); font-size: 0.75rem; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; color: #b45309; margin: 8px 0 6px; }
  .rt-timeline { list-style: none; max-width: 820px; margin: 10px auto 0; padding: 0; position: relative; }
  .rt-timeline::before { content: ''; position: absolute; left: 21px; top: 8px; bottom: 8px; width: 2px; background: var(--border); }
  .rt-timeline li { position: relative; display: grid; grid-template-columns: 44px 1fr; gap: 18px; align-items: start; padding: 14px 0; }
  .rt-dot { position: relative; z-index: 1; width: 44px; height: 44px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.05rem; font-weight: 700; }
  .rt-dot.past { background: var(--navy); color: white; }
  .rt-dot.upcoming { background: #fef3c7; color: #92400e; border: 2px solid #f59e0b; }
  .rt-date { font-family: var(--font-head); font-weight: 800; color: var(--navy); font-size: 1.02rem; }
  .rt-state { display: inline-block; margin-left: 8px; font-size: 0.7rem; font-weight: 800; letter-spacing: 0.06em; text-transform: uppercase; padding: 2px 8px; border-radius: 999px; vertical-align: middle; }
  .rt-state.past { background: var(--light); color: var(--gray); }
  .rt-state.upcoming { background: #fef3c7; color: #92400e; }
  .rt-timeline p { margin: 4px 0 0; color: var(--gray); line-height: 1.65; }
  .rt-steps { display: grid; gap: 16px; margin: 22px 0; }
  .rt-step { display: grid; grid-template-columns: 44px 1fr; gap: 16px; background: white; border: 1px solid var(--border); border-radius: 12px; padding: 20px; }
  .rt-step-num { width: 44px; height: 44px; border-radius: 50%; background: var(--navy); color: white; font-family: var(--font-head); font-weight: 800; font-size: 1.1rem; display: flex; align-items: center; justify-content: center; }
  .rt-step h3 { font-family: var(--font-head); font-size: 1.12rem; font-weight: 700; color: var(--navy); margin: 8px 0 8px; }
  .rt-step p { font-size: 0.98rem; line-height: 1.7; color: var(--gray); margin: 0; }
  .rt-faq { max-width: 860px; margin: 8px auto 0; }
  .rt-faq details { background: white; border: 1px solid var(--border); border-radius: 10px; margin-bottom: 10px; }
  .rt-faq summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 16px 20px; }
  .rt-faq summary::-webkit-details-marker { display: none; }
  .rt-faq summary h3 { font-family: var(--font-head); font-size: 1.02rem; font-weight: 700; color: var(--navy); margin: 0; line-height: 1.45; }
  .rt-faq summary::after { content: '+'; flex-shrink: 0; font-size: 1.4rem; font-weight: 700; color: var(--navy); line-height: 1; }
  .rt-faq details[open] summary::after { content: '\2212'; }
  .rt-faq .rt-faq-a { padding: 0 20px 18px; }
  .rt-faq .rt-faq-a p { font-size: 0.98rem; line-height: 1.75; color: var(--gray); margin: 0; }
  .rt-cta-box { background: white; border: 1px solid var(--border); border-radius: 14px; box-shadow: 0 8px 28px rgba(26,82,118,0.10); padding: 28px; margin-top: 26px; text-align: center; }
  .rt-cta-box p { font-family: var(--font-head); font-weight: 700; color: var(--navy); font-size: 1.12rem; line-height: 1.45; margin: 0 0 18px; }
  .rt-updated { display: block; margin-top: 14px; font-size: 0.85rem; color: rgba(255,255,255,0.75); }
  .rt-hero-art { width: 100%; border-radius: 12px; overflow: hidden; max-width: 540px; margin-left: auto; box-shadow: 0 16px 48px rgba(0,0,0,0.25); }
  .rt-hero-art svg { display: block; width: 100%; height: auto; }
  /* Countdown card in the hero (replaces the hero illustration) */
  .rt-hero-cd { display: flex; flex-direction: column; justify-content: center; gap: 4px; align-self: center; width: 100%; max-width: 560px; margin-left: auto; box-sizing: border-box; padding: 28px 30px 30px; border-radius: 16px; box-shadow: 0 16px 48px rgba(13,31,60,0.28); }
  .rt-hero-cd .rt-hcd-title { font-family: var(--font-head); font-weight: 700; font-size: 1.6rem; line-height: 1.3; color: #fff; margin: 2px 0 20px; }
  .rt-hero-cd .ot-cd-units { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
  .rt-hero-cd .ot-cd-unit { min-width: 0; padding: 26px 6px 20px; }
  .rt-hero-cd .ot-cd-unit b { font-size: clamp(34px, 4.6vw, 64px); }
  .rt-hero-cd .ot-cd-unit span { font-size: 12px; }
  .rt-hero-cd .rt-hcd-date { margin: 22px 0 8px; font-family: var(--font-head); font-weight: 600; font-size: 1.15rem; color: #fcd34d; }
  .rt-hero-cd .rt-hcd-date strong { color: #fff; }
  .rt-hero-cd .ot-cd-cta { align-self: flex-start; margin-top: 22px; }
  .rt-hero-cd p.ot-cd-sub { color: #e8f4f8 !important; margin: 0 !important; max-width: none; font-size: 0.97rem; }
  .rt-hero-cd .ot-cd-eyebrow { font-size: 13px; }
  .rt-hero-cd.is-past .rt-hcd-date { display: none; }
  @media (max-width: 960px) { .rt-hero-cd { margin: 8px auto 0; } }
  @media (max-width: 640px) { .rt-hero-cd { padding: 26px 18px; } .rt-hero-cd .ot-cd-units { gap: 6px; } .rt-hero-cd .ot-cd-unit { padding: 12px 2px 10px; } .rt-hero-cd .ot-cd-unit b { font-size: 28px; } .rt-hero-cd .ot-cd-unit span { font-size: 10px; } }
  @media (max-width: 960px) { .section-inner { padding-left: 22px; padding-right: 22px; box-sizing: border-box; } }
  @media (max-width: 640px) {
    .rt-step { grid-template-columns: 1fr; gap: 10px; padding: 18px; }
    .rt-hero-art { margin: 8px auto 0; }
    .rt-cta-box { padding: 22px 18px; }
  }