.ffl-rmd-tool{--navy:#10213e;--gold:#d3b367;--ink:#243248;--muted:#526176;--line:#d7e0e8;color:var(--ink)}
#rmd-calculator-tool{width:min(calc(100% - 36px),1080px);margin:32px auto 40px;scroll-margin-top:20px}
.ffl-rmd-tool .tool-note{font-size:14px;line-height:1.6;color:var(--muted);max-width:800px;margin:0 0 18px}
.ffl-rmd-tool .calculator{display:grid;grid-template-columns:1.08fr 1fr;background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden;box-shadow:0 20px 55px #10213e0c;scroll-margin-top:20px}
.ffl-rmd-tool .calculator-inputs{padding:32px}
.ffl-rmd-tool .step-heading{display:flex;gap:12px;align-items:flex-start;margin-bottom:23px}
.ffl-rmd-tool .step-heading>span{border:1px solid #dac99d;border-radius:50%;width:32px;height:32px;display:grid;place-items:center;flex-shrink:0;font-size:11px;font-weight:800;color:#785b20}
.ffl-rmd-tool .calculator h2{font-size:25px;line-height:1.2;margin:0 0 8px;color:var(--navy);letter-spacing:-.025em}
.ffl-rmd-tool .step-heading p{margin:0;color:var(--muted);font-size:13px}
.ffl-rmd-tool label{display:block;font-size:13px;font-weight:800;margin-bottom:7px}
.ffl-rmd-tool select,.ffl-rmd-tool input{display:block;width:100%;min-width:0;min-height:48px;border:1px solid #b8c4d0;border-radius:8px;background:#fff;color:var(--ink);padding:10px 12px;font:inherit;font-size:14px}
.ffl-rmd-tool select{margin-bottom:19px}
.ffl-rmd-tool #spouse{margin-bottom:7px}
.ffl-rmd-tool .field-help{font-size:11px;color:var(--muted);line-height:1.45;margin:7px 0 18px}
.ffl-rmd-tool .input-pair{display:grid;grid-template-columns:.75fr 1.3fr;gap:16px;margin-top:17px}
.ffl-rmd-tool .primary,.ffl-rmd-tool .gold-button{display:flex;align-items:center;justify-content:center;gap:12px;min-height:49px;border:0;border-radius:9px;text-decoration:none;font-weight:800;font-size:14px;line-height:1.4}
.ffl-rmd-tool .primary{background:var(--navy);color:#fff;width:100%;cursor:pointer;margin-top:4px;padding:12px 14px}
.ffl-rmd-tool .primary span{font-size:19px}
.ffl-rmd-tool .example{display:block;margin:13px auto 0;border:0;background:none;color:#315a86;font-size:13px;text-decoration:underline;cursor:pointer;min-height:40px;padding:6px 8px}
.ffl-rmd-tool .privacy-note{font-size:11px;color:var(--muted);text-align:center;margin:14px 0 0;line-height:1.5}
.ffl-rmd-tool .result-shell{padding:34px;background:var(--navy);color:#e2e9f2;display:flex;flex-direction:column;justify-content:space-between;gap:30px}
.ffl-rmd-tool .eyebrow{font-size:11px;letter-spacing:.14em;font-weight:800;margin:0 0 12px}
.ffl-rmd-tool .result-shell .eyebrow{color:var(--gold)}
.ffl-rmd-tool .result-shell h2{color:#fff;font-size:30px;line-height:1.18}
.ffl-rmd-tool .result-shell p{font-size:14px}
.ffl-rmd-tool .formula{display:flex;flex-wrap:wrap;gap:8px;color:#c5d3e3;font-size:11px;margin-top:22px;border-top:1px solid #ffffff26;padding-top:18px}
.ffl-rmd-tool .formula span{color:var(--gold)}
.ffl-rmd-tool .amount{font-size:clamp(31px,4vw,46px)!important;line-height:1.15;font-weight:800;color:#fff;letter-spacing:-.035em;margin:12px 0;overflow-wrap:anywhere}
.ffl-rmd-tool .equation{color:#c5d3e3;font-variant-numeric:tabular-nums}
.ffl-rmd-tool .deadline{border-left:3px solid var(--gold);padding-left:13px;color:#fff3d3;font-size:12px!important}
.ffl-rmd-tool .income-cta{border-top:1px solid #ffffff26;padding-top:20px}
.ffl-rmd-tool .income-cta h3{font-size:18px;line-height:1.3;margin:0 0 10px;color:#fff}
.ffl-rmd-tool .income-cta p{font-size:12px;line-height:1.6;color:#c5d3e3}
.ffl-rmd-tool .gold-button{background:var(--gold);color:var(--navy);padding:12px 14px;margin-top:18px;font-size:13px}
.ffl-rmd-tool .explanation{display:grid;grid-template-columns:1.2fr 1fr;gap:36px;padding:0 0 32px}
.ffl-rmd-tool .explanation h2{font-size:25px;margin-top:0}
.ffl-rmd-tool .explanation p{font-size:15px;color:var(--muted)}
.ffl-rmd-tool .explanation a{font-weight:700;font-size:14px}
.ffl-rmd-tool .source-box{border-left:1px solid var(--line);padding-left:24px}
.ffl-rmd-tool .source-box h3{margin:0;font-size:17px}
.ffl-rmd-tool .source-box li{margin:9px 0}
.ffl-rmd-tool .source-box ul{padding-left:18px}
.ffl-rmd-tool .table-section{margin-bottom:40px;background:#fff;padding:20px 24px;border:1px solid var(--line);border-radius:12px}
.ffl-rmd-tool .table-section summary{font-weight:800;cursor:pointer}
.ffl-rmd-tool .table-section p{font-size:13px;color:var(--muted)}
.ffl-rmd-tool .factor-scroll{max-height:320px;overflow:auto;max-width:560px;margin:20px 0 0;overscroll-behavior:contain}
.ffl-rmd-tool .factor-scroll table{border-collapse:collapse;width:100%;font-size:13px}
.ffl-rmd-tool .factor-scroll caption{text-align:left;margin-bottom:10px;font-weight:700;font-size:12px}
.ffl-rmd-tool .factor-scroll th,.ffl-rmd-tool .factor-scroll td{text-align:left;padding:9px 14px;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}
.ffl-rmd-tool .factor-scroll th{background:#edf1f5;position:sticky;top:0}
.ffl-rmd-tool .error{padding:11px;border-left:3px solid #a32831;color:#93232b;background:#fff0f1;font-size:13px}
.ffl-rmd-tool button:disabled{opacity:.55;cursor:not-allowed}
.ffl-rmd-tool input:focus-visible,.ffl-rmd-tool select:focus-visible,.ffl-rmd-tool summary:focus-visible{outline:3px solid #9c7627;outline-offset:3px}
@media(max-width:767px){
 #rmd-calculator-tool{margin-top:24px;margin-bottom:28px}
 .ffl-rmd-tool .tool-note{font-size:13px}
 .ffl-rmd-tool .calculator{display:block;border-radius:16px}
 .ffl-rmd-tool .calculator-inputs{padding:23px 20px}
 .ffl-rmd-tool .result-shell{padding:27px 22px;gap:28px}
 .ffl-rmd-tool .input-pair{grid-template-columns:.72fr 1.3fr;gap:12px}
 .ffl-rmd-tool .step-heading{margin-bottom:21px}
 .ffl-rmd-tool .step-heading h2{font-size:23px}
 .ffl-rmd-tool .step-heading p{font-size:12px}
 .ffl-rmd-tool select,.ffl-rmd-tool input{font-size:16px}
 .ffl-rmd-tool .result-shell h2{font-size:28px}
 .ffl-rmd-tool .amount{font-size:38px!important}
 .ffl-rmd-tool .explanation{grid-template-columns:1fr;gap:22px;padding:0 4px 28px}
 .ffl-rmd-tool .source-box{border-left:0;border-top:1px solid var(--line);padding:23px 0 0}
 .ffl-rmd-tool .table-section{padding:18px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto!important}}