#itamg-retirement-planner *{ box-sizing:border-box; }
#itamg-retirement-planner:is(div){ scroll-behavior:smooth; -webkit-text-size-adjust:100%; }
@media (prefers-reduced-motion: reduce){#itamg-retirement-planner:is(div){ scroll-behavior:auto; }
}
#itamg-retirement-planner:is(div){
  margin:0;
  font-family:var(--font-body);
  font-size:16px;
  line-height:1.7;
  color:var(--ink-body);
  background:var(--surface);
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
  text-rendering:optimizeLegibility;
}
#itamg-retirement-planner img{ max-width:100%; display:block; }
#itamg-retirement-planner ::selection{ background:var(--gold-300); color:var(--navy-950); }
#itamg-retirement-planner .sr-only{ position:absolute; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden; clip:rect(0 0 0 0); white-space:nowrap; border:0; }
#itamg-retirement-planner .wrap{ max-width:var(--maxw); margin:0 auto; padding:0 var(--gut); }
#itamg-retirement-planner .section{ padding:clamp(60px,8vw,104px) 0; position:relative; }
#itamg-retirement-planner .section--tint{ background:var(--surface-tint); }
#itamg-retirement-planner .section--deep{ background:var(--surface-deep); }
#itamg-retirement-planner [id]{ scroll-margin-top:74px; }
#itamg-retirement-planner .kicker{
  display:inline-flex; align-items:center; gap:8px;
  font-family:var(--font-display); font-size:11px; font-weight:700;
  letter-spacing:1.6px; text-transform:uppercase; color:var(--ink-mute);
  background:rgba(91,107,122,0.06); border:1px solid rgba(91,107,122,0.20);
  border-radius:var(--radius-default); padding:6px 14px; margin:0 0 20px;
}
#itamg-retirement-planner .h2{
  font-family:var(--font-display); font-weight:800;
  font-size:clamp(1.85rem,3.6vw,2.55rem); line-height:1.16;
  letter-spacing:-0.5px; color:var(--ink); margin:0 0 18px;
}
#itamg-retirement-planner .h2 .hi{
  background:var(--gradient-teal-ink); -webkit-background-clip:text; background-clip:text;
  -webkit-text-fill-color:transparent;
}
#itamg-retirement-planner .standfirst{
  font-size:clamp(1.02rem,1.4vw,1.18rem); line-height:1.62; font-weight:400;
  color:var(--ink-mute); margin:0; max-width:66ch;
}
#itamg-retirement-planner .prose p{ font-size:1rem; line-height:1.78; color:var(--ink-body); margin:0 0 1.1em; }
#itamg-retirement-planner .prose p:last-child{ margin-bottom:0; }
#itamg-retirement-planner .prose strong{ color:var(--ink); font-weight:700; }
#itamg-retirement-planner .prose-link, #itamg-retirement-planner .after-def a, #itamg-retirement-planner .def a, #itamg-retirement-planner .faq-closing a, #itamg-retirement-planner .post-note a{
  color:inherit; text-decoration:underline;
  text-decoration-color:var(--gold-500); text-decoration-thickness:1.5px;
  text-underline-offset:3px; transition:text-decoration-color .18s ease, color .18s ease;
}
#itamg-retirement-planner .prose-link:hover, #itamg-retirement-planner .after-def a:hover, #itamg-retirement-planner .def a:hover{ text-decoration-color:var(--teal-brand); color:var(--ink); }
#itamg-retirement-planner .opener{
  display:grid; grid-template-columns:140px 1fr; gap:0 var(--gut);
  align-items:start; padding-top:30px; border-top:1px solid var(--rule);
}
#itamg-retirement-planner .folio{
  font-family:var(--font-display); font-weight:300;
  font-size:clamp(3.2rem,6vw,5rem); line-height:0.82;
  background:var(--gradient-teal-ink); -webkit-background-clip:text; background-clip:text;
  -webkit-text-fill-color:transparent; display:block; letter-spacing:-2px;
}
#itamg-retirement-planner .opener-main{ min-width:0; }
#itamg-retirement-planner .masthead{
  position:sticky; top:0; z-index:60;
  background:rgba(255,255,255,0.88);
  backdrop-filter:saturate(140%) blur(8px); -webkit-backdrop-filter:saturate(140%) blur(8px);
  border-bottom:1px solid var(--rule);
}
#itamg-retirement-planner .masthead-in{
  max-width:var(--maxw); margin:0 auto; padding:0 var(--gut);
  height:62px; display:flex; align-items:center; justify-content:space-between;
}
#itamg-retirement-planner .masthead img{ height:28px; width:auto; }
#itamg-retirement-planner .masthead-cta{
  display:inline-flex; align-items:center; gap:8px;
  font-family:var(--font-display); font-size:0.72rem; font-weight:800; letter-spacing:0.8px;
  text-transform:uppercase; color:var(--navy-700); text-decoration:none;
  padding:9px 18px; background:var(--gradient-gold); border-radius:var(--radius-10);
  box-shadow:var(--shadow-cta-rest); transition:transform .15s ease, box-shadow .18s;
}
#itamg-retirement-planner .masthead-cta:hover{ transform:translateY(-1px); box-shadow:var(--shadow-cta); }
#itamg-retirement-planner .masthead-cta svg{ width:15px; height:15px; fill:none; stroke:currentColor; stroke-width:2.2; stroke-linecap:round; stroke-linejoin:round; }
#itamg-retirement-planner .crumb{ padding:24px 0 0; }
#itamg-retirement-planner .crumb ol{ list-style:none; display:flex; flex-wrap:wrap; gap:8px; margin:0; padding:0; font-size:0.8rem; }
#itamg-retirement-planner .crumb li{ display:flex; align-items:center; gap:8px; color:var(--ink-mute); }
#itamg-retirement-planner .crumb li + li::before{ content:"/"; color:var(--rule-strong); }
#itamg-retirement-planner .crumb a{ color:var(--ink-mute); text-decoration:none; }
#itamg-retirement-planner .crumb a:hover{ color:var(--teal-brand); text-decoration:underline; }
#itamg-retirement-planner .crumb [aria-current]{ color:var(--ink); }
#itamg-retirement-planner .hero{ padding:clamp(38px,5vw,64px) 0 clamp(48px,6vw,80px); }
#itamg-retirement-planner .hero-eyebrow-row{ display:flex; flex-wrap:wrap; align-items:center; gap:14px 20px; margin-bottom:26px; }
#itamg-retirement-planner .hero-eyebrow{
  display:inline-flex; align-items:center; gap:8px;
  font-family:var(--font-display); font-size:12px; font-weight:700; letter-spacing:1.6px;
  text-transform:uppercase; color:var(--navy-700);
  background:var(--gradient-gold); padding:8px 16px; border-radius:var(--radius-default);
  box-shadow:0 2px 8px rgba(232,168,23,0.3);
}
#itamg-retirement-planner .dateline{
  display:inline-flex; align-items:center; gap:8px;
  font-family:var(--font-display); font-size:0.72rem; font-weight:700; letter-spacing:0.8px;
  text-transform:uppercase; color:var(--ink-mute);
  padding:6px 13px; border:1px solid var(--rule-strong); border-radius:var(--radius-6);
}
#itamg-retirement-planner .dateline svg{ width:14px; height:14px; fill:none; stroke:var(--gold-500); stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }
#itamg-retirement-planner .hero h1{
  font-family:var(--font-display); font-weight:800;
  font-size:clamp(2.4rem,5.4vw,3.9rem); line-height:1.06; letter-spacing:-1.4px;
  color:var(--ink); margin:0 0 30px; max-width:18ch;
}
#itamg-retirement-planner .hero h1 .h1-r2{
  display:block; margin-top:6px;
  background:var(--gradient-teal-ink); -webkit-background-clip:text; background-clip:text; -webkit-text-fill-color:transparent;
}
#itamg-retirement-planner .hero-body{ max-width:760px; }
#itamg-retirement-planner .hero-body p{ font-size:clamp(1.04rem,1.4vw,1.2rem); line-height:1.66; color:var(--ink-body); margin:0 0 1em; }
#itamg-retirement-planner .hero-body p.secondary{ color:var(--ink-mute); font-size:clamp(1rem,1.2vw,1.08rem); }
#itamg-retirement-planner .dropcap::first-letter{
  font-family:var(--font-display); font-weight:700; font-size:3.6em; line-height:0.74;
  float:left; margin:0.06em 0.14em 0 0; color:var(--teal-brand);
}
#itamg-retirement-planner .mtabs{ margin-top:44px; }
#itamg-retirement-planner .mtab-bar{ display:flex; flex-wrap:wrap; gap:4px; border-bottom:1px solid var(--rule-strong); }
#itamg-retirement-planner .mtab{
  appearance:none; background:transparent; border:0; border-bottom:2px solid transparent;
  padding:12px 18px; font-family:var(--font-display); font-size:0.9rem; font-weight:700;
  color:var(--ink-mute); cursor:pointer; white-space:nowrap; margin-bottom:-1px;
  transition:color .15s, border-color .15s;
}
#itamg-retirement-planner .mtab:hover{ color:var(--ink); }
#itamg-retirement-planner .mtab[aria-selected="true"]{ color:var(--ink); border-bottom-color:var(--gold-500); }
#itamg-retirement-planner .mtab-panel{ display:none; padding:38px 0 4px; animation:itamg-planner-fade .35s ease; }
#itamg-retirement-planner .mtab-panel.is-active{ display:block; }
@keyframes itamg-planner-fade{ from{opacity:0; transform:translateY(6px);} to{opacity:1; transform:none;} }
@media (prefers-reduced-motion: reduce){#itamg-retirement-planner .mtab-panel{ animation:none; }
}
#itamg-retirement-planner .mtab-grid{ display:grid; grid-template-columns:0.9fr 1.1fr; gap:14px 52px; align-items:start; }
#itamg-retirement-planner .mtab-panel h3{ font-family:var(--font-display); font-weight:800; font-size:clamp(1.4rem,2.2vw,1.9rem); line-height:1.14; color:var(--ink); margin:0 0 18px; letter-spacing:-0.5px; }
#itamg-retirement-planner .chips{ list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:11px; }
#itamg-retirement-planner .chip{ display:flex; align-items:baseline; gap:11px; font-size:0.93rem; line-height:1.4; color:var(--ink-body); }
#itamg-retirement-planner .chip .dot{ width:9px; height:9px; border-radius:50%; flex-shrink:0; position:relative; top:2px; }
#itamg-retirement-planner .chip strong{ font-weight:700; }
#itamg-retirement-planner .chip--ok .dot{ background:var(--st-ok-dot); }
#itamg-retirement-planner .chip--ok strong{ color:var(--st-ok); }
#itamg-retirement-planner .chip--preferred .dot{ background:var(--st-pref-dot); }
#itamg-retirement-planner .chip--preferred strong{ color:var(--st-pref); }
#itamg-retirement-planner .chip--caution .dot{ background:var(--st-caution-dot); }
#itamg-retirement-planner .chip--caution strong{ color:var(--st-caution); }
#itamg-retirement-planner .chip--no .dot{ background:var(--st-no-dot); }
#itamg-retirement-planner .chip--no strong{ color:var(--st-no); }
#itamg-retirement-planner .mtab-col-body p{ font-size:1rem; line-height:1.74; color:var(--ink-body); margin:0; }
#itamg-retirement-planner .caution{
  display:flex; gap:12px; margin-top:22px; padding:16px 18px;
  background:rgba(180,86,26,0.07); border-left:3px solid var(--st-caution-dot);
  border-radius:0 var(--radius-6) var(--radius-6) 0; font-size:0.93rem; line-height:1.55; color:var(--ink-body);
}
#itamg-retirement-planner .caution svg{ width:20px; height:20px; flex-shrink:0; fill:none; stroke:var(--st-caution-dot); stroke-width:2; stroke-linecap:round; stroke-linejoin:round; margin-top:1px; }
#itamg-retirement-planner .mtab-note{ margin-top:34px; font-size:0.88rem; line-height:1.6; color:var(--ink-mute); max-width:78ch; }
#itamg-retirement-planner .def{
  position:relative; margin-top:6px; padding:30px 34px;
  background:var(--white); border:1px solid var(--rule); border-left:4px solid var(--teal-brand);
  border-radius:0 var(--radius-12) var(--radius-12) 0; box-shadow:var(--shadow-card-flat);
}
#itamg-retirement-planner .def p{ margin:0; font-size:1.1rem; line-height:1.7; color:var(--ink-body); }
#itamg-retirement-planner .def strong{ color:var(--ink); font-weight:700; }
#itamg-retirement-planner .after-def{ margin-top:28px; font-size:1.04rem; line-height:1.76; color:var(--ink-body); max-width:80ch; }
#itamg-retirement-planner .btn{
  display:inline-flex; align-items:center; gap:10px;
  font-family:var(--font-display); font-size:0.8rem; font-weight:800; letter-spacing:1px; text-transform:uppercase;
  text-decoration:none; cursor:pointer; border:0; border-radius:var(--radius-10); padding:14px 26px;
  transition:transform .15s ease, box-shadow .18s;
}
#itamg-retirement-planner .btn svg{ width:17px; height:17px; fill:none; stroke:currentColor; stroke-width:2.2; stroke-linecap:round; stroke-linejoin:round; }
#itamg-retirement-planner .btn--gold{ background:var(--gradient-gold); color:var(--navy-700); box-shadow:var(--shadow-cta-rest); }
#itamg-retirement-planner .btn--gold:hover{ transform:translateY(-2px); box-shadow:var(--shadow-cta); }
#itamg-retirement-planner .callout{ text-align:center; max-width:720px; margin:0 auto; }
#itamg-retirement-planner .callout .rule-dot{ width:6px; height:6px; border-radius:50%; background:var(--gold-500); margin:0 auto 24px; box-shadow:0 0 12px rgba(232,168,23,0.4); }
#itamg-retirement-planner .callout p{ font-family:var(--font-display); font-weight:600; font-size:clamp(1.2rem,2.1vw,1.6rem); line-height:1.34; color:var(--ink); margin:0 0 26px; letter-spacing:-0.3px; }
#itamg-retirement-planner a:focus-visible, #itamg-retirement-planner button:focus-visible, #itamg-retirement-planner input:focus-visible, #itamg-retirement-planner select:focus-visible, #itamg-retirement-planner [tabindex]:focus-visible{
  outline:3px solid var(--teal-brand); outline-offset:3px; border-radius:2px;
}
#itamg-retirement-planner .showcase-pill a:focus-visible, #itamg-retirement-planner .foot a:focus-visible{ outline-color:var(--gold-400); }
#itamg-retirement-planner .interlude{ padding:clamp(36px,5vw,64px) 0; }
#itamg-retirement-planner .showcase-pill{
  position:relative; max-width:1080px; margin:0 auto;
  background:var(--gradient-showcase); border-radius:var(--radius-20); overflow:hidden;
  box-shadow:var(--shadow-pill);
}
#itamg-retirement-planner .showcase-pill::before{
  content:''; position:absolute; inset:0; pointer-events:none; border-radius:var(--radius-20);
  background:
    radial-gradient(ellipse 60% 60% at 20% 25%, rgba(12,138,138,0.10) 0%, transparent 60%),
    radial-gradient(ellipse 50% 50% at 82% 78%, rgba(255,255,255,0.05) 0%, transparent 55%),
    radial-gradient(ellipse 40% 45% at 50% 50%, rgba(232,168,23,0.04) 0%, transparent 55%);
}
#itamg-retirement-planner .showcase-pill::after{
  content:''; position:absolute; inset:0; pointer-events:none; border-radius:var(--radius-20);
  background-image:linear-gradient(rgba(255,255,255,0.015) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.015) 1px, transparent 1px);
  background-size:60px 60px;
}
#itamg-retirement-planner .pull-inner{ position:relative; z-index:1; padding:clamp(46px,6vw,78px) clamp(28px,5vw,72px); text-align:center; }
#itamg-retirement-planner .pull .open-q{ font-family:var(--font-display); font-weight:800; font-size:3.6rem; line-height:0; color:var(--gold-400); display:block; height:0.5em; }
#itamg-retirement-planner .pull blockquote{
  margin:0; font-family:var(--font-display); font-weight:700;
  font-size:clamp(1.5rem,3.4vw,2.45rem); line-height:1.3; letter-spacing:-0.5px; color:#fff;
}
#itamg-retirement-planner .pull blockquote span{ color:var(--gold-400); }
#itamg-retirement-planner .cmp-wrap{ position:relative; margin-top:6px; }
#itamg-retirement-planner .cmp-head{
  display:grid; grid-template-columns:26% 37% 37%; align-items:center;
  background:var(--gradient-showcase); border-radius:var(--radius-16) var(--radius-16) 0 0;
  position:relative; overflow:hidden; min-height:66px;
}
#itamg-retirement-planner .cmp-head::after{
  content:''; position:absolute; inset:0; pointer-events:none;
  background-image:linear-gradient(rgba(255,255,255,0.015) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.015) 1px, transparent 1px);
  background-size:60px 60px;
}
#itamg-retirement-planner .cmp-head-dim{ padding:14px 22px; position:relative; z-index:1; }
#itamg-retirement-planner .cmp-head-dim span{ font-family:var(--font-display); font-size:0.66rem; font-weight:700; letter-spacing:1.4px; text-transform:uppercase; color:rgba(255,255,255,0.55); }
#itamg-retirement-planner .cmp-head-col{ padding:14px 22px; position:relative; z-index:1; }
#itamg-retirement-planner .cmp-head-col .t{ display:block; font-family:var(--font-display); font-size:0.95rem; font-weight:800; letter-spacing:0.2px; color:rgba(255,255,255,0.62); }
#itamg-retirement-planner .cmp-head-col .s{ display:block; font-size:0.72rem; color:rgba(255,255,255,0.4); margin-top:1px; }
#itamg-retirement-planner .cmp-head-col.itamg .t{ color:#fff; }
#itamg-retirement-planner .cmp-head-col.itamg .s{ color:var(--gold-400); }
#itamg-retirement-planner .cmp-vs{
  position:absolute; top:50%; left:63%; transform:translate(-50%,-50%); z-index:3;
  width:42px; height:42px; border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  background:rgba(232,168,23,0.14); border:1.5px solid rgba(232,168,23,0.5);
  box-shadow:0 0 0 4px rgba(6,16,31,0.35);
}
#itamg-retirement-planner .cmp-vs span{ font-family:var(--font-display); font-size:0.66rem; font-weight:800; letter-spacing:1px; color:var(--gold-400); }
#itamg-retirement-planner .cmp{ width:100%; border-collapse:collapse; table-layout:fixed; }
#itamg-retirement-planner .cmp tbody td{ padding:18px 22px; vertical-align:top; border-bottom:1px solid var(--rule); line-height:1.55; color:var(--ink-body); font-size:0.95rem; background:var(--white); }
#itamg-retirement-planner .cmp tbody tr:nth-child(even) td{ background:rgba(100,116,139,0.03); }
#itamg-retirement-planner .cmp .dim{ font-family:var(--font-display); font-weight:700; font-size:1rem; color:var(--ink); }
#itamg-retirement-planner .cmp td.r2{ background:rgba(232,168,23,0.06); }
#itamg-retirement-planner .cmp tbody tr:nth-child(even) td.r2{ background:rgba(232,168,23,0.09); }
#itamg-retirement-planner .cmp td.r2 strong{ color:var(--ink); font-weight:700; }
#itamg-retirement-planner .cmp tbody tr:hover td{ background:rgba(12,138,138,0.05); }
#itamg-retirement-planner .cmp tbody tr:hover td.r2{ background:rgba(232,168,23,0.12); }
#itamg-retirement-planner .cmp tbody tr:last-child td{ border-bottom:0; }
#itamg-retirement-planner .cmp-edge{ border:1px solid var(--rule); border-top:0; border-radius:0 0 var(--radius-16) var(--radius-16); overflow:hidden; }
#itamg-retirement-planner .cap{ font-size:0.8rem; line-height:1.6; color:var(--ink-mute); margin:14px 0 0; }
#itamg-retirement-planner .cap--right{ text-align:right; }
#itamg-retirement-planner .cap a{ color:var(--ink-mute); text-decoration:underline; text-decoration-color:var(--rule-strong); text-underline-offset:2px; }
#itamg-retirement-planner .cap a:hover{ color:var(--teal-brand); }
#itamg-retirement-planner .changes{ margin-top:16px; }
#itamg-retirement-planner .change{ display:grid; grid-template-columns:72px 1fr; gap:0 var(--gut); padding:36px 0; border-top:1px solid var(--rule); }
#itamg-retirement-planner .change:last-child{ border-bottom:1px solid var(--rule); }
#itamg-retirement-planner .change h3{ font-family:var(--font-display); font-weight:800; font-size:clamp(1.3rem,2.1vw,1.7rem); line-height:1.2; color:var(--ink); margin:0 0 12px; letter-spacing:-0.4px; }
#itamg-retirement-planner .change > .change-body > p{ margin:0; font-size:1rem; line-height:1.72; color:var(--ink-body); max-width:68ch; }
#itamg-retirement-planner .sowhat{ margin-top:16px; padding-left:18px; border-left:2px solid var(--gold-500); max-width:70ch; font-size:0.95rem; line-height:1.62; color:var(--ink-mute); }
#itamg-retirement-planner .sowhat strong{ display:block; font-family:var(--font-display); font-size:0.66rem; font-weight:800; letter-spacing:1.6px; text-transform:uppercase; color:var(--teal-brand); margin-bottom:6px; }
#itamg-retirement-planner .bento-grid{ margin-top:16px; display:grid; gap:20px; }
#itamg-retirement-planner .bento-3{ grid-template-columns:repeat(3,1fr); }
#itamg-retirement-planner .bento-4{ grid-template-columns:repeat(4,1fr); }
#itamg-retirement-planner .bento-2{ grid-template-columns:1fr 1fr; }
#itamg-retirement-planner .card{
  background:var(--white); border:1px solid var(--rule); border-radius:var(--radius-16);
  padding:30px 28px; box-shadow:var(--shadow-card-flat);
  transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
#itamg-retirement-planner .card:hover{ transform:translateY(-3px); box-shadow:var(--shadow-card-soft); border-color:var(--rule-strong); }
#itamg-retirement-planner .card-accent{ height:3px; width:42px; border-radius:2px; margin-bottom:18px; }
#itamg-retirement-planner .card-ix{ display:flex; align-items:center; gap:12px; margin-bottom:14px; }
#itamg-retirement-planner .card-ix svg{ width:26px; height:26px; fill:none; stroke-width:1.7; stroke-linecap:round; stroke-linejoin:round; }
#itamg-retirement-planner .card h4{ font-family:var(--font-display); font-weight:800; font-size:1.3rem; margin:0; color:var(--ink); letter-spacing:-0.3px; }
#itamg-retirement-planner .card p{ font-size:0.97rem; line-height:1.66; color:var(--ink-body); margin:0; }
#itamg-retirement-planner .t-clear .card-accent{ background:var(--teal-brand); }
#itamg-retirement-planner .t-clear .card-ix svg{ stroke:var(--teal-brand); }
#itamg-retirement-planner .t-purge .card-accent{ background:var(--gold-500); }
#itamg-retirement-planner .t-purge .card-ix svg{ stroke:var(--gold-500); }
#itamg-retirement-planner .t-destroy .card-accent{ background:var(--navy-700); }
#itamg-retirement-planner .t-destroy .card-ix svg{ stroke:var(--navy-700); }
#itamg-retirement-planner .card p.method-lead{ margin-top:14px; }
#itamg-retirement-planner .fw-card{ background:var(--white); border:1px solid var(--rule); border-radius:var(--radius-12); padding:26px 24px; box-shadow:var(--shadow-card-flat); transition:transform .18s, box-shadow .18s, border-color .18s; }
#itamg-retirement-planner .fw-card:hover{ transform:translateY(-3px); box-shadow:var(--shadow-card-soft); border-color:var(--rule-strong); }
#itamg-retirement-planner .fw-card .fw-ic{ width:30px; height:30px; fill:none; stroke:var(--teal-brand); stroke-width:1.7; stroke-linecap:round; stroke-linejoin:round; margin-bottom:14px; }
#itamg-retirement-planner .fw-card h4{ font-family:var(--font-display); font-weight:800; font-size:1.1rem; color:var(--ink); margin:0 0 9px; letter-spacing:-0.2px; }
#itamg-retirement-planner .fw-card p{ font-size:0.93rem; line-height:1.6; color:var(--ink-body); margin:0; }
#itamg-retirement-planner .cert-card{ background:var(--white); border:1px solid var(--rule); border-radius:var(--radius-16); padding:30px 32px; box-shadow:var(--shadow-card-flat); transition:transform .18s, box-shadow .18s, border-color .18s; }
#itamg-retirement-planner .cert-card:hover{ transform:translateY(-3px); box-shadow:var(--shadow-card-soft); border-color:var(--rule-strong); }
#itamg-retirement-planner .cert-card .cnum{ font-family:var(--font-display); font-weight:300; font-size:2rem; line-height:1; display:block; margin-bottom:14px; background:var(--gradient-teal-ink); -webkit-background-clip:text; background-clip:text; -webkit-text-fill-color:transparent; }
#itamg-retirement-planner .cert-card h4{ font-family:var(--font-display); font-weight:800; font-size:1.22rem; line-height:1.22; color:var(--ink); margin:0 0 10px; letter-spacing:-0.3px; }
#itamg-retirement-planner .cert-card p{ font-size:0.97rem; line-height:1.66; color:var(--ink-body); margin:0; }
#itamg-retirement-planner .section-closing{ max-width:820px; margin:40px auto 0; text-align:center; }
#itamg-retirement-planner .section-closing .rule-dot{ width:6px; height:6px; border-radius:50%; background:var(--gold-500); margin:0 auto 22px; box-shadow:0 0 12px rgba(232,168,23,0.4); }
#itamg-retirement-planner .section-closing p{ font-family:var(--font-display); font-weight:500; font-size:clamp(1.1rem,1.8vw,1.4rem); line-height:1.4; color:var(--ink); margin:0; letter-spacing:-0.2px; }
#itamg-retirement-planner .roles{ width:100%; border-collapse:collapse; margin-top:8px; }
#itamg-retirement-planner .roles thead th{ text-align:left; padding:0 24px 14px 0; font-family:var(--font-display); font-size:0.7rem; font-weight:800; letter-spacing:1.4px; text-transform:uppercase; color:var(--ink-mute); border-bottom:2px solid var(--navy-700); }
#itamg-retirement-planner .roles thead th:last-child{ padding-right:0; }
#itamg-retirement-planner .roles tbody td{ padding:22px 24px 22px 0; vertical-align:top; border-bottom:1px solid var(--rule); line-height:1.6; color:var(--ink-body); }
#itamg-retirement-planner .roles tbody td:last-child{ padding-right:0; }
#itamg-retirement-planner .roles .role-name{ font-family:var(--font-display); font-weight:800; font-size:1.05rem; color:var(--ink); white-space:nowrap; }
#itamg-retirement-planner .roles tbody tr:hover td{ background:rgba(12,138,138,0.04); }
#itamg-retirement-planner .ck{ margin-top:14px; display:grid; grid-template-columns:1fr 1fr; gap:0 var(--gut); }
#itamg-retirement-planner .ck-item{ display:grid; grid-template-columns:52px 1fr; gap:0 18px; padding:26px 0; border-top:1px solid var(--rule); }
#itamg-retirement-planner .ck-num{ font-family:var(--font-display); font-weight:400; font-size:1.7rem; line-height:1; background:var(--gradient-teal-ink); -webkit-background-clip:text; background-clip:text; -webkit-text-fill-color:transparent; }
#itamg-retirement-planner .ck-item h3{ font-family:var(--font-display); font-weight:800; font-size:1.12rem; line-height:1.2; color:var(--ink); margin:2px 0 8px; letter-spacing:-0.2px; }
#itamg-retirement-planner .ck-item p{ margin:0; font-size:0.96rem; line-height:1.62; color:var(--ink-body); }
#itamg-retirement-planner .dl-grid{ display:grid; grid-template-columns:1.05fr 0.95fr; gap:56px; align-items:start; margin-top:10px; }
#itamg-retirement-planner .dl-left .h2{ margin-bottom:18px; }
#itamg-retirement-planner .dl-left .dl-body{ font-size:1.05rem; line-height:1.7; color:var(--ink-body); margin:0 0 30px; max-width:52ch; }
#itamg-retirement-planner .dl-coverrow{ display:flex; gap:26px; align-items:flex-start; margin-bottom:28px; }
#itamg-retirement-planner .dl-cover{ position:relative; flex-shrink:0; width:178px; }
#itamg-retirement-planner .dl-cover img{ width:100%; border-radius:var(--radius-12); box-shadow:0 18px 40px -18px rgba(11,26,48,0.5), 0 2px 8px rgba(11,26,48,0.12); border:1px solid var(--rule); }
#itamg-retirement-planner .dl-cover .pages{ position:absolute; bottom:10px; left:50%; transform:translateX(-50%); background:var(--navy-900); color:#fff; font-family:var(--font-display); font-size:0.62rem; font-weight:700; letter-spacing:1px; text-transform:uppercase; padding:5px 12px; border-radius:var(--radius-6); white-space:nowrap; }
#itamg-retirement-planner .dl-list{ list-style:none; margin:0; padding:4px 0 0; display:flex; flex-direction:column; gap:12px; }
#itamg-retirement-planner .dl-list li{ display:flex; gap:11px; align-items:flex-start; font-size:0.96rem; line-height:1.45; color:var(--ink-body); }
#itamg-retirement-planner .dl-list svg{ width:18px; height:18px; flex-shrink:0; margin-top:2px; fill:none; stroke:var(--teal-brand); stroke-width:2.4; stroke-linecap:round; stroke-linejoin:round; }
#itamg-retirement-planner .dl-meta{ font-size:0.9rem; line-height:1.55; color:var(--ink-mute); margin:0; padding-top:22px; border-top:1px solid var(--rule); }
#itamg-retirement-planner .dl-meta strong{ color:var(--ink); }
#itamg-retirement-planner .form-card{ border-radius:var(--radius-20); overflow:hidden; box-shadow:var(--shadow-card); border:1px solid rgba(130,235,235,0.30); display:flex; flex-direction:column; }
#itamg-retirement-planner .form-header{ background:var(--surface-form-header); padding:28px 30px 18px; position:relative; overflow:hidden; }
#itamg-retirement-planner .form-header::before{ content:''; position:absolute; inset:0; background:radial-gradient(ellipse 100% 140% at 30% 0%, rgba(255,255,255,0.1) 0%, transparent 60%); pointer-events:none; }
#itamg-retirement-planner .form-badge{ display:flex; align-items:center; gap:8px; margin-bottom:14px; position:relative; z-index:1; }
#itamg-retirement-planner .form-badge span{ font-family:var(--font-display); font-size:0.6rem; font-weight:700; letter-spacing:1px; text-transform:uppercase; padding:4px 10px; border-radius:var(--radius-default); }
#itamg-retirement-planner .form-badge .b1{ background:var(--gradient-gold); color:var(--navy-700); }
#itamg-retirement-planner .form-badge .b2{ background:rgba(255,255,255,0.12); color:#fff; border:1px solid rgba(255,255,255,0.25); }
#itamg-retirement-planner .form-card h3{ font-family:var(--font-display); font-weight:700; font-size:1.35rem; line-height:1.15; color:#fff; margin:0 0 10px; letter-spacing:0.2px; position:relative; z-index:1; }
#itamg-retirement-planner .form-sub{ font-size:0.9rem; line-height:1.5; color:rgba(255,255,255,0.9); margin:0; position:relative; z-index:1; }
#itamg-retirement-planner .form-body{ padding:24px 30px 22px; background:var(--surface-form-body); }
#itamg-retirement-planner .form-grid{ display:grid; grid-template-columns:1fr 1fr; gap:16px; row-gap:13px; }
#itamg-retirement-planner .field:not(.hs-form-field){ display:flex; flex-direction:column; }
#itamg-retirement-planner .field:not(.hs-form-field).full{ grid-column:1 / -1; }
#itamg-retirement-planner .field:not(.hs-form-field) label{ font-family:var(--font-display); font-size:0.65rem; font-weight:700; letter-spacing:1.2px; text-transform:uppercase; color:rgba(255,255,255,0.92); margin-bottom:6px; }
#itamg-retirement-planner .field:not(.hs-form-field) label .req{ color:var(--gold-400); margin-left:2px; }
#itamg-retirement-planner .field:not(.hs-form-field) input, #itamg-retirement-planner .field:not(.hs-form-field) select{
  width:100%; height:48px; padding:0 16px; font-family:var(--font-body); font-size:15px; color:var(--navy-950);
  background:var(--white); border:1.5px solid rgba(6,16,31,0.15); border-radius:var(--radius-10); outline:none;
  box-shadow:inset 0 1px 3px rgba(0,0,0,0.04); -webkit-appearance:none; appearance:none;
  transition:border-color .25s ease, box-shadow .25s ease;
}
#itamg-retirement-planner .field:not(.hs-form-field) input::placeholder{ color:#a89f94; }
#itamg-retirement-planner .field:not(.hs-form-field) input:focus, #itamg-retirement-planner .field:not(.hs-form-field) select:focus{ border-color:var(--teal-brand); box-shadow:0 0 0 3px rgba(12,138,138,0.18); }
#itamg-retirement-planner .field:not(.hs-form-field) select{ color:#5b6b7a; cursor:pointer; background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='none' viewBox='0 0 16 16'%3E%3Cpath stroke='%235b6b7a' stroke-linecap='round' stroke-linejoin='round' stroke-width='1.5' d='m4 6 4 4 4-4'/%3E%3C/svg%3E"); background-repeat:no-repeat; background-position:right 14px center; padding-right:40px; }
#itamg-retirement-planner .field:not(.hs-form-field) select option{ color:var(--gray-700); background:var(--white); }
#itamg-retirement-planner .submit-btn{
  grid-column:1 / -1; margin-top:4px; width:100%; height:54px;
  background:var(--gradient-gold); color:var(--navy-700); font-family:var(--font-display);
  font-size:14px; font-weight:800; letter-spacing:1.2px; text-transform:uppercase;
  border:0; border-radius:var(--radius-10); cursor:pointer; box-shadow:0 4px 20px rgba(232,168,23,0.3);
  transition:transform .2s ease, box-shadow .2s ease;
}
#itamg-retirement-planner .submit-btn:hover{ transform:translateY(-3px); box-shadow:0 10px 32px rgba(232,168,23,0.4); }
#itamg-retirement-planner .form-success{ display:none; text-align:center; padding:8px 4px 4px; }
#itamg-retirement-planner .form-success.is-visible{ display:block; }
#itamg-retirement-planner .form-success .ic{ width:50px; height:50px; border-radius:50%; background:rgba(255,255,255,0.14); display:flex; align-items:center; justify-content:center; margin:0 auto 14px; }
#itamg-retirement-planner .form-success .ic svg{ width:26px; height:26px; fill:none; stroke:var(--gold-400); stroke-width:2.6; stroke-linecap:round; stroke-linejoin:round; }
#itamg-retirement-planner .form-success h4{ font-family:var(--font-display); font-weight:700; font-size:1.3rem; color:#fff; margin:0 0 8px; }
#itamg-retirement-planner .form-success p{ font-size:0.92rem; line-height:1.55; color:rgba(255,255,255,0.82); margin:0; }
#itamg-retirement-planner .form-foot{ display:flex; align-items:center; justify-content:center; gap:9px; margin-top:18px; padding-top:14px; border-top:1px solid rgba(255,255,255,0.14); }
#itamg-retirement-planner .form-foot svg{ width:17px; height:17px; fill:none; stroke:var(--teal-300); stroke-width:2; stroke-linecap:round; stroke-linejoin:round; flex-shrink:0; }
#itamg-retirement-planner .form-foot span{ font-family:var(--font-display); font-size:0.66rem; font-weight:600; letter-spacing:0.6px; color:rgba(255,255,255,0.7); }
#itamg-retirement-planner .post-note{ font-size:0.8rem; line-height:1.5; color:var(--ink-mute); text-align:center; margin:14px 0 0; }
#itamg-retirement-planner .post-note a{ color:var(--teal-brand); font-weight:700; }
#itamg-retirement-planner .faq-grid{ margin-top:18px; display:grid; grid-template-columns:1fr 1fr; gap:0 var(--gut); }
#itamg-retirement-planner .faq-item{ padding:28px 0; border-top:1px solid var(--rule); }
#itamg-retirement-planner .faq-q{ font-family:var(--font-display); font-weight:800; font-size:1.15rem; line-height:1.25; color:var(--ink); margin:0 0 12px; letter-spacing:-0.2px; }
#itamg-retirement-planner .faq-a{ font-size:0.97rem; line-height:1.66; color:var(--ink-body); margin:0; }
#itamg-retirement-planner .faq-closing{ margin-top:38px; font-family:var(--font-display); font-weight:500; font-size:1.12rem; line-height:1.5; color:var(--ink); text-align:center; }
#itamg-retirement-planner .faq-closing a{ color:var(--teal-brand); font-weight:700; text-decoration:none; }
#itamg-retirement-planner .faq-closing a:hover{ text-decoration:underline; }
#itamg-retirement-planner .fcta{ padding:clamp(40px,6vw,72px) 0; }
#itamg-retirement-planner .fcta-pill{ position:relative; max-width:var(--maxw); margin:0 auto; background:var(--gradient-showcase-deep); border-radius:var(--radius-20); overflow:hidden; box-shadow:var(--shadow-pill); }
#itamg-retirement-planner .fcta-pill::before{ content:''; position:absolute; inset:0; pointer-events:none; background:radial-gradient(800px 380px at 12% 0%, rgba(20,200,200,0.10), transparent 62%), radial-gradient(700px 360px at 95% 100%, rgba(232,168,23,0.08), transparent 60%); }
#itamg-retirement-planner .fcta-inner{ position:relative; z-index:1; padding:clamp(48px,6vw,76px) clamp(30px,5vw,68px); }
#itamg-retirement-planner .fcta-eyebrow{ display:inline-flex; align-items:center; font-family:var(--font-display); font-size:10px; font-weight:700; letter-spacing:1.8px; text-transform:uppercase; color:var(--teal-400); background:rgba(12,138,138,0.10); border:1.5px solid rgba(12,138,138,0.30); padding:6px 14px; border-radius:var(--radius-default); margin-bottom:24px; }
#itamg-retirement-planner .fcta h2{ font-family:var(--font-display); font-weight:800; font-size:clamp(1.8rem,3.4vw,2.7rem); line-height:1.12; letter-spacing:-0.6px; color:#fff; margin:0 0 22px; max-width:22ch; }
#itamg-retirement-planner .fcta .lede{ font-size:clamp(1.02rem,1.4vw,1.16rem); line-height:1.66; color:rgba(255,255,255,0.86); max-width:70ch; margin:0 0 26px; }
#itamg-retirement-planner .verify-links{ display:flex; flex-wrap:wrap; gap:16px 30px; margin-bottom:32px; }
#itamg-retirement-planner .verify-links a{ display:inline-flex; align-items:center; gap:8px; font-family:var(--font-display); font-size:0.86rem; font-weight:700; color:var(--teal-300); text-decoration:none; }
#itamg-retirement-planner .verify-links a svg{ width:15px; height:15px; fill:none; stroke:currentColor; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }
#itamg-retirement-planner .verify-links a:hover{ color:#fff; }
#itamg-retirement-planner .cta-actions{ display:flex; flex-wrap:wrap; align-items:center; gap:20px 28px; }
#itamg-retirement-planner .cta-phone{ display:inline-flex; align-items:center; gap:13px; text-decoration:none; color:#fff; }
#itamg-retirement-planner .cta-phone .ph-ic{ width:42px; height:42px; border-radius:50%; border:1px solid rgba(255,255,255,0.3); display:flex; align-items:center; justify-content:center; flex-shrink:0; }
#itamg-retirement-planner .cta-phone .ph-ic svg{ width:19px; height:19px; fill:none; stroke:var(--gold-400); stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }
#itamg-retirement-planner .cta-phone .ph-label{ font-family:var(--font-display); font-size:0.62rem; letter-spacing:1.4px; text-transform:uppercase; color:rgba(255,255,255,0.6); }
#itamg-retirement-planner .cta-phone .ph-num{ font-family:var(--font-display); font-weight:700; font-size:1.2rem; color:#fff; }
#itamg-retirement-planner .cta-sub{ margin-top:20px; font-size:0.86rem; color:rgba(255,255,255,0.6); }
#itamg-retirement-planner .cta-divline{ height:1px; background:var(--rule-dark); margin:38px 0; }
#itamg-retirement-planner .cta-certs{ display:flex; flex-wrap:wrap; align-items:center; gap:12px 14px; }
#itamg-retirement-planner .cta-certs .lbl{ font-family:var(--font-display); font-size:0.62rem; letter-spacing:2px; text-transform:uppercase; color:rgba(255,255,255,0.55); font-weight:700; margin-right:6px; }
#itamg-retirement-planner .cta-cert{ font-family:var(--font-display); font-size:0.78rem; font-weight:600; color:rgba(255,255,255,0.92); padding:6px 14px; border:1px solid rgba(255,255,255,0.26); border-radius:var(--radius-6); }
#itamg-retirement-planner .cta-stats{ margin-top:40px; display:grid; grid-template-columns:repeat(4,1fr); gap:24px; }
#itamg-retirement-planner .cta-stat{ border-left:1px solid var(--rule-dark); padding-left:22px; }
#itamg-retirement-planner .cta-stat:first-child{ border-left:0; padding-left:0; }
#itamg-retirement-planner .cta-stat .num{ font-family:var(--font-display); font-weight:800; font-size:clamp(2.2rem,4vw,3rem); line-height:1; background:var(--gradient-gold-num); -webkit-background-clip:text; background-clip:text; -webkit-text-fill-color:transparent; }
#itamg-retirement-planner .cta-stat .desc{ margin-top:10px; font-size:0.84rem; line-height:1.4; color:rgba(255,255,255,0.78); }
#itamg-retirement-planner .svc-grid{margin-top:16px;display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));}
#itamg-retirement-planner .svc-grid[data-count="2"]{grid-template-columns:repeat(2,1fr);}
#itamg-retirement-planner .svc-grid[data-count="3"]{grid-template-columns:repeat(3,1fr);}
#itamg-retirement-planner .svc-grid[data-count="4"]{grid-template-columns:repeat(4,1fr);}
#itamg-retirement-planner .svc-grid[data-count="6"]{grid-template-columns:repeat(3,1fr);}
#itamg-retirement-planner .svc-grid[data-count="5"]{grid-template-columns:repeat(6,1fr);}
#itamg-retirement-planner .svc-grid[data-count="5"]>*{grid-column:span 2;}
#itamg-retirement-planner .svc-grid[data-count="5"]>*:nth-child(4){grid-column:2/span 2;}
#itamg-retirement-planner .svc-grid[data-count="5"]>*:nth-child(5){grid-column:4/span 2;}
#itamg-retirement-planner .svc-card{ display:flex; flex-direction:column; padding:28px 26px; background:var(--white); border:1px solid var(--rule); border-radius:var(--radius-16); text-decoration:none; box-shadow:var(--shadow-card-flat); transition:transform .18s, box-shadow .18s, border-color .18s; min-height:222px; }
#itamg-retirement-planner .svc-card:hover{ transform:translateY(-3px); box-shadow:var(--shadow-card-soft); border-color:var(--rule-strong); }
#itamg-retirement-planner .svc-ic{ width:34px; height:34px; fill:none; stroke:var(--teal-brand); stroke-width:1.6; stroke-linecap:round; stroke-linejoin:round; margin-bottom:18px; }
#itamg-retirement-planner .svc-card h3{ font-family:var(--font-display); font-weight:800; font-size:1.2rem; line-height:1.16; color:var(--ink); margin:0 0 10px; letter-spacing:-0.3px; }
#itamg-retirement-planner .svc-card p{ font-size:0.93rem; line-height:1.55; color:var(--ink-body); margin:0 0 18px; }
#itamg-retirement-planner .svc-link{ margin-top:auto; display:inline-flex; align-items:center; gap:8px; font-family:var(--font-display); font-size:0.78rem; font-weight:800; letter-spacing:0.4px; color:var(--teal-brand); }
#itamg-retirement-planner .svc-link svg{ width:16px; height:16px; fill:none; stroke:currentColor; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; transition:transform .18s; }
#itamg-retirement-planner .svc-card:hover .svc-link svg{ transform:translateX(4px); }
#itamg-retirement-planner .art-grid{ margin-top:18px; display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
#itamg-retirement-planner .art-card{ display:flex; flex-direction:column; height:100%; text-decoration:none; background:var(--white); border:1px solid var(--rule); border-radius:var(--radius-16); overflow:hidden; box-shadow:var(--shadow-card-flat); transition:transform .18s, box-shadow .18s, border-color .18s; }
#itamg-retirement-planner .art-card:hover{ transform:translateY(-3px); box-shadow:var(--shadow-card-soft); border-color:var(--rule-strong); }
#itamg-retirement-planner .art-thumb{ position:relative; height:132px; background:var(--gradient-showcase); display:flex; align-items:center; justify-content:center; }
#itamg-retirement-planner .art-thumb svg{ width:46px; height:46px; fill:none; stroke:var(--teal-300); stroke-width:1.6; stroke-linecap:round; stroke-linejoin:round; }
#itamg-retirement-planner .art-thumb .tlabel{ position:absolute; top:12px; left:12px; font-family:var(--font-display); font-size:0.6rem; font-weight:700; letter-spacing:1.2px; text-transform:uppercase; color:var(--gold-400); }
#itamg-retirement-planner .art-b{ padding:24px 24px 26px; display:flex; flex-direction:column; flex:1; }
#itamg-retirement-planner .art-cat{ font-family:var(--font-display); font-size:0.64rem; font-weight:800; letter-spacing:1.4px; text-transform:uppercase; color:var(--teal-brand); margin-bottom:10px; }
#itamg-retirement-planner .art-card h3{ font-family:var(--font-display); font-weight:800; font-size:1.15rem; line-height:1.2; color:var(--ink); margin:0 0 10px; letter-spacing:-0.2px; }
#itamg-retirement-planner .art-card p{ font-size:0.92rem; line-height:1.55; color:var(--ink-body); margin:0 0 18px; }
#itamg-retirement-planner .art-link{ display:inline-flex; align-items:center; gap:8px; font-family:var(--font-display); font-size:0.78rem; font-weight:800; color:var(--teal-brand); margin-bottom:14px; }
#itamg-retirement-planner .art-link svg{ width:16px; height:16px; fill:none; stroke:currentColor; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; transition:transform .18s; }
#itamg-retirement-planner .art-card:hover .art-link svg{ transform:translateX(4px); }
#itamg-retirement-planner .art-time{ margin-top:auto; display:flex; align-items:center; gap:7px; font-size:0.76rem; color:var(--ink-mute); }
#itamg-retirement-planner .art-time svg{ width:14px; height:14px; fill:none; stroke:currentColor; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }
#itamg-retirement-planner .foot{ background:var(--navy-950); color:rgba(255,255,255,0.7); padding:54px 0; }
#itamg-retirement-planner .foot-in{ max-width:var(--maxw); margin:0 auto; padding:0 var(--gut); display:flex; flex-wrap:wrap; align-items:center; justify-content:space-between; gap:24px; }
#itamg-retirement-planner .foot img{ height:34px; width:auto; filter:brightness(0) invert(1); opacity:0.92; }
#itamg-retirement-planner .foot-meta{ display:flex; flex-direction:column; gap:8px; text-align:right; }
#itamg-retirement-planner .foot-certs{ font-family:var(--font-display); font-size:0.8rem; letter-spacing:0.4px; color:rgba(255,255,255,0.78); }
#itamg-retirement-planner .foot-phone{ font-family:var(--font-display); font-weight:700; font-size:1.08rem; color:#fff; text-decoration:none; }
#itamg-retirement-planner .foot-phone:hover{ color:var(--gold-400); }
@media (max-width:1040px){#itamg-retirement-planner.planner-page{ --gut:32px; }
#itamg-retirement-planner .dl-grid{ grid-template-columns:1fr; gap:44px; }
#itamg-retirement-planner .bento-4, #itamg-retirement-planner .svc-grid, #itamg-retirement-planner .svc-grid[data-count]{grid-template-columns:repeat(2,1fr);}
#itamg-retirement-planner .svc-grid[data-count="5"]>*, #itamg-retirement-planner .svc-grid[data-count="5"]>*:nth-child(4), #itamg-retirement-planner .svc-grid[data-count="5"]>*:nth-child(5){grid-column:auto;}
#itamg-retirement-planner .cta-stats{ grid-template-columns:repeat(2,1fr); gap:30px 24px; }
}
@media (max-width:860px){#itamg-retirement-planner .opener{ grid-template-columns:1fr; gap:8px; padding-top:26px; }
#itamg-retirement-planner .folio{ font-size:3rem; }
#itamg-retirement-planner .mtab-grid{ grid-template-columns:1fr; gap:24px; }
#itamg-retirement-planner .bento-3, #itamg-retirement-planner .bento-2{ grid-template-columns:1fr; }
#itamg-retirement-planner .cert-grid{ grid-template-columns:1fr; }
#itamg-retirement-planner .ck{ grid-template-columns:1fr; }
#itamg-retirement-planner .faq-grid{ grid-template-columns:1fr; }
#itamg-retirement-planner .art-grid{ grid-template-columns:1fr; }
}
@media (max-width:680px){#itamg-retirement-planner:is(div){ font-size:15.5px; }
#itamg-retirement-planner .masthead-cta{ display:none; }
#itamg-retirement-planner .hero h1{ max-width:none; }
#itamg-retirement-planner .form-grid{ grid-template-columns:1fr; }
#itamg-retirement-planner .bento-4, #itamg-retirement-planner .svc-grid, #itamg-retirement-planner .svc-grid[data-count]{grid-template-columns:1fr;}
#itamg-retirement-planner .svc-card{ min-height:0; }
#itamg-retirement-planner .cta-stats{ grid-template-columns:1fr 1fr; }
#itamg-retirement-planner .dl-coverrow{ flex-direction:column; }
#itamg-retirement-planner .dl-cover{ width:150px; }
#itamg-retirement-planner .foot-in{ flex-direction:column; align-items:flex-start; }
#itamg-retirement-planner .foot-meta{ text-align:left; }
#itamg-retirement-planner .cmp-head, #itamg-retirement-planner .cmp-vs{ display:none; }
#itamg-retirement-planner .cmp-edge{ border:0; }
#itamg-retirement-planner .cmp, #itamg-retirement-planner .cmp tbody, #itamg-retirement-planner .cmp tr, #itamg-retirement-planner .cmp td{ display:block; width:100%; }
#itamg-retirement-planner .cmp tbody tr{ padding:22px 0; border-bottom:1px solid var(--rule); }
#itamg-retirement-planner .cmp tbody tr:nth-child(even) td, #itamg-retirement-planner .cmp tbody tr:hover td{ background:transparent; }
#itamg-retirement-planner .cmp tbody td{ padding:0; border:0; }
#itamg-retirement-planner .cmp .dim{ font-size:1.18rem; display:block; margin-bottom:12px; }
#itamg-retirement-planner .cmp tbody td.c1, #itamg-retirement-planner .cmp tbody td.r2{ position:relative; padding:10px 0 10px 14px; border-left:2px solid var(--rule); margin-top:8px; }
#itamg-retirement-planner .cmp tbody td.r2{ border-left-color:var(--gold-500); background:transparent; }
#itamg-retirement-planner .cmp tbody td[data-label]::before{ content:attr(data-label); display:block; font-family:var(--font-display); font-size:0.62rem; font-weight:700; letter-spacing:1px; text-transform:uppercase; color:var(--ink-mute); margin-bottom:5px; }
#itamg-retirement-planner .roles, #itamg-retirement-planner .roles tbody, #itamg-retirement-planner .roles tr, #itamg-retirement-planner .roles td{ display:block; width:100%; }
#itamg-retirement-planner .roles thead{ display:none; }
#itamg-retirement-planner .roles tbody tr{ padding:20px 0; border-bottom:1px solid var(--rule); }
#itamg-retirement-planner .roles tbody td{ padding:0; border:0; }
#itamg-retirement-planner .roles tbody tr:hover td{ background:transparent; }
#itamg-retirement-planner .roles .role-name{ white-space:normal; display:block; margin-bottom:8px; font-size:1.14rem; }
}
#itamg-retirement-planner .media-deck{ position:relative; margin-top:40px; border-radius:var(--radius-20); overflow:hidden;
  background:var(--gradient-showcase); color:#eaf1f7; padding:38px 44px 44px; box-shadow:var(--shadow-pill); }
#itamg-retirement-planner .media-deck::before{ content:""; position:absolute; top:-180px; right:-150px; width:540px; height:540px;
  background:radial-gradient(circle, rgba(79,216,216,0.20) 0%, rgba(79,216,216,0) 62%); pointer-events:none; }
#itamg-retirement-planner .media-deck > *{ position:relative; z-index:1; }
#itamg-retirement-planner .media-deck-head{ display:flex; align-items:center; gap:15px; flex-wrap:wrap; margin-bottom:20px; }
#itamg-retirement-planner .deck-eyebrow{ font-family:var(--font-display); font-weight:800; font-size:0.7rem; letter-spacing:2px;
  text-transform:uppercase; color:var(--navy-700); background:var(--gradient-gold); padding:7px 14px; border-radius:var(--radius-6); }
#itamg-retirement-planner .deck-hint{ font-size:0.9rem; color:#9fb3c4; }
#itamg-retirement-planner .media-deck .mtab-bar{ border-bottom:1px solid rgba(255,255,255,0.12); gap:6px; }
#itamg-retirement-planner .media-deck .mtab{ font-family:var(--font-display); font-size:0.9rem; font-weight:700; color:#9fb3c4;
  padding:10px 16px; border:1px solid transparent; border-radius:var(--radius-6) var(--radius-6) 0 0; margin-bottom:-1px;
  background:transparent; cursor:pointer; white-space:nowrap; transition:color .15s, background .15s; }
#itamg-retirement-planner .media-deck .mtab:hover{ color:#fff; }
#itamg-retirement-planner .media-deck .mtab[aria-selected="true"]{ color:#fff; background:rgba(255,255,255,0.06);
  border-color:rgba(255,255,255,0.12); border-bottom-color:var(--gold-400); }
#itamg-retirement-planner .media-deck .mtab-panel{ padding:30px 0 2px; }
#itamg-retirement-planner .mpanel{ display:grid; grid-template-columns:1fr; gap:24px; }
#itamg-retirement-planner .mpanel-why h3{ font-family:var(--font-display); font-weight:800; color:#fff;
  font-size:clamp(1.4rem,2.2vw,1.85rem); letter-spacing:-0.5px; margin:0 0 10px; }
#itamg-retirement-planner .mpanel-why .why{ font-size:1.12rem; line-height:1.6; color:#dce6ef; margin:0; max-width:64ch; }
#itamg-retirement-planner .mpanel-why .why b{ color:#fff; font-weight:700; }
#itamg-retirement-planner .verdicts{ display:grid; grid-template-columns:repeat(2,1fr); gap:12px; }
#itamg-retirement-planner .verdict{ background:rgba(6,16,31,0.34); border:1px solid rgba(255,255,255,0.12);
  border-radius:var(--radius-10); padding:14px 17px; display:flex; flex-direction:column; gap:7px; backdrop-filter:blur(2px); }
#itamg-retirement-planner .verdict-top{ display:flex; align-items:center; gap:10px; }
#itamg-retirement-planner .v-method{ font-family:var(--font-display); font-weight:800; font-size:1.02rem; color:#fff; }
#itamg-retirement-planner .v-status{ font-family:var(--font-display); font-size:0.6rem; font-weight:800; letter-spacing:0.8px;
  text-transform:uppercase; padding:3px 9px; border-radius:100px; white-space:nowrap; }
#itamg-retirement-planner .verdict p{ margin:0; font-size:0.92rem; line-height:1.5; color:#c3d1de; }
#itamg-retirement-planner .v-ok{ border-left:3px solid #14c8c8; }
#itamg-retirement-planner .v-ok .v-status{ background:rgba(20,200,200,0.16); color:#5fe3e3; }
#itamg-retirement-planner .v-pref{ border-left:3px solid #f5bc2c; }
#itamg-retirement-planner .v-pref .v-status{ background:rgba(245,188,44,0.18); color:#f7c948; }
#itamg-retirement-planner .v-caution{ border-left:3px solid #e8843f; }
#itamg-retirement-planner .v-caution .v-status{ background:rgba(232,132,63,0.18); color:#f3a268; }
#itamg-retirement-planner .v-no{ border-left:3px solid #e85d4e; }
#itamg-retirement-planner .v-no .v-status{ background:rgba(232,93,78,0.16); color:#f0928a; }
#itamg-retirement-planner .rev2-rule{ border-radius:var(--radius-10); padding:16px 20px; background:rgba(6,16,31,0.40);
  border:1px solid rgba(79,216,216,0.30); display:flex; flex-direction:column; gap:6px; backdrop-filter:blur(2px); }
#itamg-retirement-planner .rev2-rule .r2-label{ font-family:var(--font-display); font-weight:800; font-size:0.64rem; letter-spacing:1.6px;
  text-transform:uppercase; color:var(--teal-300); }
#itamg-retirement-planner .rev2-rule p{ margin:0; font-size:1rem; line-height:1.6; color:#e6eef5; }
#itamg-retirement-planner .mwatch{ display:flex; gap:11px; align-items:flex-start; font-size:0.94rem; line-height:1.55; color:#cdbcaf; padding-left:2px; }
#itamg-retirement-planner .mwatch svg{ width:19px; height:19px; flex-shrink:0; margin-top:1px; fill:none; stroke:#f0a868; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }
#itamg-retirement-planner .mwatch b{ color:#f3b277; font-weight:700; }
@media (max-width:760px){#itamg-retirement-planner .media-deck{ padding:28px 20px 30px; }
#itamg-retirement-planner .verdicts{ grid-template-columns:1fr; }
}
#itamg-retirement-planner .change-num{ font-family:var(--font-display); font-weight:800; font-size:1.05rem; line-height:1; letter-spacing:0;
  -webkit-text-fill-color:#fff; color:#fff; background:var(--gradient-showcase);
  -webkit-background-clip:border-box; background-clip:border-box;
  width:46px; height:46px; border-radius:var(--radius-10); display:flex; align-items:center; justify-content:center;
  box-shadow:0 6px 16px -6px rgba(11,26,48,0.5); margin-top:2px; }
@media (max-width:760px){#itamg-retirement-planner .change{ grid-template-columns:56px 1fr; }
#itamg-retirement-planner .change-num{ width:40px; height:40px; font-size:0.95rem; }
}
#itamg-retirement-planner .sticky-cta{ position:fixed; right:22px; bottom:22px; z-index:200; display:inline-flex; align-items:center; gap:9px;
  font-family:var(--font-display); font-weight:800; font-size:0.92rem; color:var(--navy-700); background:var(--gradient-gold);
  padding:14px 22px; border-radius:100px; box-shadow:0 12px 30px -8px rgba(232,168,23,0.55), 0 4px 12px rgba(6,16,31,0.2);
  text-decoration:none; opacity:0; transform:translateY(14px); pointer-events:none; transition:opacity .25s ease, transform .25s ease; }
#itamg-retirement-planner .sticky-cta.show{ opacity:1; transform:translateY(0); pointer-events:auto; }
#itamg-retirement-planner .sticky-cta:hover{ transform:translateY(-2px); }
#itamg-retirement-planner .sticky-cta svg{ width:16px; height:16px; fill:none; stroke:currentColor; stroke-width:2.4; stroke-linecap:round; stroke-linejoin:round; }
@media (max-width:760px){#itamg-retirement-planner .sticky-cta{ right:14px; bottom:14px; padding:12px 18px; font-size:0.85rem; }
}