/******* Do not edit this file *******
Simple Custom CSS and JS - by Silkypress.com
Saved: Oct 19 2026 | 15:23:07 */
/* HNI Framework CSS - parsed from best iteration
   Source: Pasted text(14).txt
   Do not edit unrelated sections during troubleshooting.
*/

@import url('https://fonts.googleapis.com/css2?family=PT+Sans:wght@400;700&family=Roboto:wght@300;400;500;700&display=swap');

html {scroll-behavior: smooth;}

*, *::before, *::after {box-sizing: border-box;}

.hn-wrap a,
.hn-wrap a:link,
.hn-wrap a:visited {color: #181E9F !important;text-decoration: none !important;}

.hn-wrap a:hover,
.hn-wrap a:focus {color: #059669 !important;text-decoration: underline !important;}

.hn-main a:not(.hn-toc-a):not(.hn-cta-btn):not(.affiliate-btn),
.hn-main a:not(.hn-toc-a):not(.hn-cta-btn):not(.affiliate-btn):link,
.hn-main a:not(.hn-toc-a):not(.hn-cta-btn):not(.affiliate-btn):visited {color: #181E9F !important;text-decoration-line: underline !important;text-decoration-style: dotted !important;text-decoration-color: #181E9F !important;text-decoration-thickness: 1px !important;text-underline-offset: 2px !important;}

.hn-main a:not(.hn-toc-a):not(.hn-cta-btn):not(.affiliate-btn):hover,
.hn-main a:not(.hn-toc-a):not(.hn-cta-btn):not(.affiliate-btn):focus {color: #059669 !important;text-decoration-line: underline !important;text-decoration-style: solid !important;text-decoration-color: #181E9F !important;text-decoration-thickness: 1px !important;text-underline-offset: 2px !important;}

body {margin: 0;font-family: Georgia, serif;background: #ffffff;color: #111;}

header,.site-header,#masthead,.elementor-location-header,.twbb-header,.tenweb-header,.wp-site-blocks > header {position: relative;z-index: 9999;}

.hn-wrap {position: relative;z-index: 1;max-width: 1200px;margin: 0 auto;padding: 48px 24px 72px;}

.hn-layout {display: grid;grid-template-columns: minmax(0, 1fr) 320px;gap: 52px;align-items: start;}

.hn-main {font-size: 18px;line-height: 1.8;min-width: 0;}

/* Mobile cleanup for Social Security post: remove duplicate template title and collapse the empty title gap. */
@media (max-width: 767px) {
  body.postid-9608 .elementor-element-6kjo4wfj {display:none !important;}
  body.postid-9608 .elementor-element-rq3cro4o {min-height:0 !important;height:auto !important;margin-bottom:0 !important;padding-bottom:0 !important;}
  body.postid-9608 .elementor-element-3mg8wu52 {min-height:0 !important;height:auto !important;margin-top:0 !important;padding-top:0 !important;}
}

.hn-disclaimer {font-family: 'Roboto', sans-serif;font-size: 12.5px;font-weight: 300;color: #777;background: #f8f8f6;border-left: 3px solid #ddd;padding: 10px 16px;margin-bottom: 28px;}

h1 {font-family: 'PT Sans', Arial, sans-serif;font-size: clamp(28px, 4vw, 38px);font-weight: 700;line-height: 1.25;margin: 0 0 10px;color: #111;}

.subtitle {font-family: 'Roboto', sans-serif;font-size: 15px;font-weight: 300;color: #666;margin: 0 0 10px;line-height: 1.6;}

.byline {font-family: 'Roboto', sans-serif;font-size: 12.5px;color: #999;font-weight: 300;margin-bottom: 28px;}

.hn-main .byline a {color: #999 !important;text-decoration: none !important;}

.hn-main .byline a:hover {color: #059669 !important;text-decoration: underline !important;}

.hn-main h2 {font-family: 'PT Sans', Arial, sans-serif;font-size: 26px;font-weight: 700;color: #111;margin: 48px 0 16px !important;line-height: 1.18;clear: both;}

.hn-main h3 {font-family: 'PT Sans', Arial, sans-serif;font-size: 21px;font-weight: 700;color: #111;margin: 34px 0 12px !important;line-height: 1.25;text-transform: none;letter-spacing: 0;clear: both;}

.hn-main p {margin: 0 0 22px;}

.hn-main ul,.hn-main ol {margin: 0 0 22px 24px;padding: 0;}

.hn-main li {margin-bottom: 8px;}

.hn-article-img {margin: 28px 0 18px;border-radius: 12px;width: 100%;box-shadow: 0 4px 12px rgba(0,0,0,0.08);}

.hn-article-img-caption {font-family: 'Roboto', sans-serif;font-size: 12px;color: #777;text-align: center;margin-top: -12px;margin-bottom: 24px;font-style: italic;}

.hn-main img,.hn-sidebar img {max-width: 100% !important;height: auto !important;float: none !important;display: block;}

.green-pullquote {font-family: Georgia, 'Times New Roman', serif;font-style: italic;font-weight: normal;font-size: 22px;line-height: 1.5;margin: 32px 0;padding: 18px 24px;background: #f0fdf4;border-left: 4px solid #059669;border-radius: 0 8px 8px 0;color: #065f46;}

.pullquote {font-family: Georgia, 'Times New Roman', serif;font-size: 22px;font-style: italic;margin: 36px 0;padding-left: 22px;border-left: 4px solid #181E9F;color: #111;line-height: 1.4;}

.hn-feature-quote {font-size: 30px;line-height: 1.35;color: #181E9F;border-left-color: #181E9F;}

.quick-answer-wrap {margin: 0 0 26px;}

.quick-statement {font-family: 'PT Sans', Arial, sans-serif;font-size: 20px;font-weight: 700;color: #111;margin: 0 0 4px;line-height: 1.35;}

.quick-question {font-family: 'Roboto', sans-serif;font-size: 16px;font-weight: 500;color: #111;margin: 0 0 10px;line-height: 1.4;}

.quick-answer-box {background: #e8f5e9;padding: 16px 20px;border-left: 4px solid #059669;border-radius: 0 4px 4px 0;}

.quick-answer-text {font-family: 'Roboto', sans-serif;font-size: 17px;font-weight: 400;color: #111;line-height: 1.65;margin: 0;}

.hn-takeaways {background: #f0fdf4;border: 1px solid #bbf7d0;border-left: 5px solid #059669;border-radius: 0 6px 6px 0;padding: 22px 26px;margin: 0 0 40px;}

.hn-takeaways-heading {font-family: 'Roboto', sans-serif;font-size: 12px;font-weight: 700;text-transform: uppercase;letter-spacing: 0.1em;color: #059669;margin: 0 0 16px;}

.hn-tk-item {display: flex;gap: 13px;align-items: flex-start;margin-bottom: 13px;}

.hn-tk-item {margin-bottom: 0;}

.hn-tk-check {font-size: 1rem;color: #059669;flex-shrink: 0;margin-top: 6px;line-height: 1;width: 18px;min-width: 18px;max-width: 18px;height: 18px;display: inline-flex;align-items: center;justify-content: center;transform: none;}

.hn-tk-text {font-family: 'Roboto', sans-serif;font-size: 16px;font-weight: 400;color: #1a3c2e;line-height: 1.65;margin: 0;}

.hn-toc-accordion {margin: 0 0 32px;border: 1px solid #d0d8e4;border-radius: 6px;overflow: hidden;}

.hn-toc-trigger {width: 100%;background: #f0f4f8;border: none;padding: 16px 22px;display: flex;justify-content: space-between;align-items: center;cursor: pointer;font-family: 'Roboto', sans-serif;font-size: 13px;font-weight: 700;text-transform: uppercase;letter-spacing: 0.1em;color: #333;transition: background 0.2s;}

.hn-toc-trigger:hover {background: #e4eaf2;}

.hn-toc-icon {font-size: 2rem;font-weight: 300;color: #181E9F;line-height: 1;flex-shrink: 0;width: 32px;text-align: center;user-select: none;}

.hn-toc-body {max-height: 0;overflow: hidden;transition: max-height 0.45s cubic-bezier(0.4, 0, 0.2, 1);background: #fff;}

.hn-toc-body.open {max-height: 900px;}

.hn-wrap .hn-toc-a,
.hn-wrap .hn-toc-a:link,
.hn-wrap .hn-toc-a:visited {display: flex !important;align-items: center !important;gap: 16px !important;font-family: 'Roboto', sans-serif !important;font-size: 16px !important;font-weight: 400 !important;padding: 11px 22px !important;border-bottom: 1px solid #f0f0f0 !important;color: #181E9F !important;text-decoration: none !important;text-decoration-line: none !important;background: transparent !important;transform: none !important;}

.hn-wrap .hn-toc-a:hover,
.hn-wrap .hn-toc-a:focus {background: #f5f8ff !important;color: #059669 !important;text-decoration: none !important;text-decoration-line: none !important;font-size: 16px !important;font-weight: 400 !important;transform: none !important;}

.hn-wrap .hn-toc-a:hover .hn-toc-n,
.hn-wrap .hn-toc-a:focus .hn-toc-n {color: #111 !important;font-size: 18px !important;font-weight: 700 !important;text-decoration: none !important;text-decoration-line: none !important;transform: none !important;}

.hn-toc-a:last-child {border-bottom: none;}

.hn-toc-n {font-family: 'Roboto', sans-serif;font-size: 18px;font-weight: 700;color: #111;flex-shrink: 0;width: 28px;}

.hn-image-placeholder {background: #f8fafc;border: 1px dashed #10b981;border-radius: 10px;padding: 18px 20px;margin: 30px 0;font-family: 'Roboto', sans-serif;color: #334155;}

.hn-image-placeholder-label {display: block;font-size: 11px;font-weight: 700;text-transform: uppercase;letter-spacing: 0.12em;color: #059669;margin-bottom: 8px;}

.hn-image-placeholder p {font-size: 14px;line-height: 1.6;margin: 0;}

.hn-tools-section {background: linear-gradient(90deg, #eaf3ff 0%, #f7fbff 100%);border: 1px solid #cdd8ff;border-left: 5px solid #181E9F;border-radius: 10px;padding: 24px 26px;margin: 36px 0;}

.hn-tools-section h2 {margin-top: 0;}

.hn-tools-section ul {margin-bottom: 0;}

.hn-tools-section a,.hn-tools-section a,.hn-tools-section a {font-weight: 700 !important;}

.hn-inline-signup {background: linear-gradient(135deg, #07111f 0%, #123a73 55%, #3b82c4 100%);border-radius: 14px;padding: 28px 30px;margin: 42px 0;color: #fff;}

.hn-inline-signup h3 {color: #fff;margin-top: 0;}

.hn-inline-signup p {color: #dbeafe;font-family: 'Roboto', sans-serif;font-size: 15px;}

.hn-inline-signup input[type="email"] {width: 100%;box-sizing: border-box;padding: 12px 14px;border-radius: 6px;border: 1px solid #93c5fd;margin-bottom: 10px;font-family: 'Roboto', sans-serif;font-size: 14px;background: #ffffff;color: #111827;}

.hn-inline-signup input[type="email"]::placeholder {color: #6b7280;}

.hn-inline-signup button {width: 100%;box-sizing: border-box;padding: 12px 14px;border-radius: 6px;border: 0;background: #059669;color: #fff;font-family: 'Roboto', sans-serif;font-weight: 700;cursor: pointer;}

.hn-inline-signup button {background: #047857;}

.hn-inline-brand {font-family: 'Roboto', sans-serif;font-size: 11px;font-weight: 700;letter-spacing: 0.16em;text-transform: uppercase;color: #bfdbfe;text-align: center;margin: 0 0 12px;}

.tldr-box {background-color: #F7F7F5;padding: 1.25rem 1.5rem;border-radius: 10px;margin: 1.75rem 0;font-family: 'Roboto', sans-serif;font-size: 1.05rem;line-height: 1.55;color: #111;}

.tldr-box strong {font-weight: 700;}

/* HNI 10Web FAQ accordion */
.hn-wrap .faq-item {
  border: 2px solid #a7f3d0 !important;
  border-radius: 1.2rem !important;
  overflow: hidden !important;
  margin-bottom: 1rem !important;
  background: #fff !important;
}

.hn-wrap .faq-question {
  font-family: 'Roboto', sans-serif !important;
  font-size: 17px !important;
  font-weight: 700 !important;
  padding: 1.2rem 2rem !important;
  cursor: pointer !important;
  display: flex !important;
  justify-content: space-between !important;
  align-items: center !important;
  color: #111 !important;
  background: #f0fdf4 !important;
}

.hn-wrap .faq-question:hover {
  color: #059669 !important;
}

.hn-wrap .indicator {
  font-size: 2rem !important;
  font-weight: 700 !important;
  color: #059669 !important;
  flex-shrink: 0 !important;
  margin-left: 16px !important;
  user-select: none !important;
}

.hn-wrap .faq-answer {
  max-height: 0;
  padding: 0 2rem !important;
  overflow: hidden !important;
  transition: max-height 0.4s ease, padding 0.4s ease !important;
  background: #fff !important;
  font-family: 'Roboto', sans-serif !important;
  font-size: 16px !important;
  line-height: 1.7 !important;
  color: #333 !important;
}

.hn-wrap .faq-answer p {
  margin: 0 0 14px !important;
}

.hn-wrap .faq-answer p:last-child {
  margin-bottom: 0 !important;
}

.hn-wrap .faq-item.active .faq-answer {
  max-height: 650px;
  padding: 0.8rem 2rem 1.2rem !important;
  border-top: 1px solid #d1fae5 !important;
}

.hn-wrap .faq-item.active .faq-question {
  background: #ecfdf5 !important;
  color: #059669 !important;
}

.hn-sidebar {display: flex;flex-direction: column;gap: 20px;align-self: start;min-width: 0;}

.hn-sidebar.is-sticky,.hn-sidebar-inner.is-sticky {position: sticky;top: 180px;z-index: 1;}

/* Retirement pillar: desktop TOC sidebar only; leave mobile unchanged. */
@media (min-width: 901px) {
  body.page-id-7853 .layout > .sidebar { align-self: stretch; }
  body.page-id-7853 .layout > .sidebar > .sidebar-inner { position: sticky !important; top: 120px !important; align-self: start; z-index: 2; }
}

.hn-sidebar-inner {width: 100%;}

.hn-sidebar-stack {display: flex;flex-direction: column;gap: 20px;}

.hn-sidebar-panel {width: 100%;}

.hn-author-box {background: #fff;border: 1px solid #e8e8e8;border-radius: 12px;padding: 20px;box-shadow: 0 4px 12px rgba(0,0,0,0.05);}

.hn-author-written-by {font-family: 'Roboto', sans-serif;font-size: 10px;font-weight: 700;color: #059669;text-transform: uppercase;letter-spacing: 0.12em;display: block;margin-bottom: 10px;}

.hn-author-header {display: flex;gap: 12px;align-items: center;margin-bottom: 12px;}

.hn-author-avatar {width: 58px;height: 58px;border-radius: 50%;overflow: hidden;flex-shrink: 0;background: #e8f5e9;}

.hn-author-avatar img {width: 100% !important;height: 100% !important;object-fit: cover !important;}

.hn-author-name {font-family: 'Roboto', sans-serif;font-size: 16px;font-weight: 700;color: #111 !important;display: block;}

.hn-author-org {font-family: 'Roboto', sans-serif;font-size: 12px;color: #777;display: block;}

.hn-author-bio {font-family: 'Roboto', sans-serif;font-size: 13px;line-height: 1.55;color: #444;margin: 0;}

.hn-newsletter {background: linear-gradient(135deg, #07111f 0%, #123a73 55%, #3b82c4 100%);border-radius: 12px;padding: 20px;color: #fff;}

.hn-newsletter-label {font-family: 'Roboto', sans-serif;font-size: 10px;font-weight: 700;color: #bfdbfe;text-transform: uppercase;letter-spacing: 0.12em;}

.hn-newsletter-heading {font-family: 'PT Sans', Arial, sans-serif;font-size: 21px;color: #fff;line-height: 1.25;margin: 8px 0;}

.hn-newsletter-sub {font-family: 'Roboto', sans-serif;font-size: 13px;line-height: 1.55;color: #dbeafe;margin: 0 0 14px;}

.hn-newsletter input {width: 100%;padding: 11px 12px;border: 1px solid #93c5fd;border-radius: 5px;margin-bottom: 10px;background: #ffffff;color: #111827;}

.hn-newsletter input::placeholder {color: #6b7280;}

.hn-newsletter button {width: 100%;padding: 11px 12px;border: 0;border-radius: 5px;background: #059669;color: #fff;font-family: 'Roboto', sans-serif;font-weight: 700;cursor: pointer;}

.hn-newsletter button {background: #047857;}

.hn-newsletter-privacy {font-family: 'Roboto', sans-serif;font-size: 11px;color: #dbeafe;margin: 10px 0 0;}

.hn-stats-card {background: linear-gradient(135deg, #f8f9fa 0%, #e8f5e9 100%);border: 1px solid #c8e6d9;border-radius: 12px;padding: 20px;box-shadow: 0 4px 12px rgba(0,0,0,0.05);}

.hn-stats-title {font-family: Georgia, 'Times New Roman', serif;font-size: 16px;font-weight: 700;font-style: normal;color: #059669;text-align: center;margin: 0 0 16px;letter-spacing: 0.02em;}

.hn-stat-item {display: flex;align-items: baseline;gap: 12px;margin-bottom: 16px;padding-bottom: 12px;border-bottom: 1px solid #d4e6da;}

.hn-stat-item {margin-bottom: 0;padding-bottom: 0;border-bottom: none;}

.hn-stat-number {
  font-family: Georgia, 'Times New Roman', serif;
  font-size: 32px;
  font-weight: 700;
  font-style: italic;
  color: #181E9F;
  flex-shrink: 0;
  line-height: 1;
  min-width: 80px;
}

.hn-stat-text {font-family: 'Roboto', sans-serif;font-size: 12.5px;font-weight: 400;color: #2d3e3a;line-height: 1.45;}

.hn-stat-ref {font-family: 'Roboto', sans-serif;font-size: 10px;color: #888;margin-top: 2px;display: block;}

.hn-related-section {background: #fff;border: 1px solid #e8e8e8;border-radius: 8px;padding: 16px;margin-top: 0;display: flex;flex-direction: column;gap: 12px;}

.hn-related-label {font-family: 'Roboto', sans-serif;font-size: 10px;font-weight: 700;color: #000 !important;text-transform: uppercase;letter-spacing: 0.1em;margin: 0 0 2px;display: block;}

.hn-related-item {display: flex !important;align-items: center !important;gap: 12px !important;text-decoration: none !important;}

.hn-related-title {font-family: 'Roboto', sans-serif;font-weight: 600;font-size: 14px;line-height: 1.45;display: block;color: #000 !important;}

.hn-related-item:hover .hn-related-title {color: #181E9F !important;text-decoration: underline !important;text-decoration-color: #181E9F !important;}

.hn-related-meta {font-family: 'Roboto', sans-serif;font-size: 11.5px;color: #777;display: block;}

.hn-placeholder-thumb {width: 55px;height: 55px;flex-shrink: 0;border-radius: 6px;background: #f0fdf4;border: 1px solid #bbf7d0;display: flex;align-items: center;justify-content: center;overflow: hidden;}

.hn-placeholder-thumb img {width: 100% !important;height: 100% !important;object-fit: cover !important;display: block !important;border-radius: 5px !important;}

.hn-ad-slot {background: #f8f8f8;border: 1px dashed #d8d8d8;border-radius: 6px;min-height: 160px;display: flex;flex-direction: column;align-items: center;justify-content: center;gap: 5px;}

.hn-ad-slot-label {font-family: 'Roboto', sans-serif;font-size: 10px;font-weight: 600;text-transform: uppercase;letter-spacing: .08em;color: #ccc;}

.hn-ad-slot-sub {font-family: 'Roboto', sans-serif;font-size: 10.5px;font-weight: 300;color: #ddd;}

@media (max-width: 860px) {.hn-layout {grid-template-columns: 1fr;gap: 32px;}

.hn-sidebar.is-sticky,.hn-sidebar-inner.is-sticky {position: static;top: auto;z-index: auto;}

.pullquote,.green-pullquote {font-size: 18px;}

.hn-tk-check {font-size: 16px !important;line-height: 1 !important;width: 18px !important;min-width: 18px !important;max-width: 18px !important;height: 18px !important;display: inline-flex !important;align-items: center !important;justify-content: center !important;transform: none !important;}

.hn-tk-item {align-items: flex-start !important;}}

/* HNI video embed */
.hn-video-embed {
  margin: 34px 0;
  background: #f8fafc;
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid #e2e8f0;
}

.hn-video-embed iframe {
  width: 100%;
  aspect-ratio: 16 / 9;
  height: auto;
  display: block;
  border: 0;
}

.hn-video-caption {
  font-family: 'Roboto', sans-serif;
  font-size: 12px;
  color: #64748b;
  padding: 10px 14px 14px;
  margin: 0;
  font-style: italic;
}

/* HNI infographic / visual callout */
.hn-infographic-block {
  background: #f8fafc;
  border: 1px solid #cbd5e1;
  border-left: 5px solid #059669;
  border-radius: 10px;
  padding: 22px 24px;
  margin: 34px 0;
  font-family: 'Roboto', sans-serif;
}

.hn-infographic-label {
  display: block;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: #059669;
  margin-bottom: 8px;
}

/* FIX OVERSIZED STAR EMOJI ON MOBILE */
.hn-wrap .star-emoji {
  font-family: Arial, sans-serif;
  font-size: 1em !important;
  line-height: 1 !important;
  display: inline-block;
  vertical-align: -0.08em;
  width: auto !important;
  height: auto !important;
  transform: none !important;
}

@media (max-width: 767px) {
  .hn-wrap .star-emoji {
    font-size: 18px !important;
  }
}