/* ── Reset & Base ─────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:      #0F2540;
  --blue:      #2E6DA4;
  --light-blue:#D6E8F7;
  --gold:      #C8A84B;
  --gold-dark: #A8882B;
  --bg:        #F0F6FC;
  --bg-alt:    #EAF1F9;
  --surface:   #FFFFFF;
  --muted:     #64748b;
  --border:    #BACFE8;
  --text:      #1A3A5C;
  --radius:    12px;
  --shadow:    0 4px 24px rgba(26,58,92,0.10);
  --shadow-lg: 0 8px 40px rgba(26,58,92,0.16);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

h1,h2,h3 { font-family: 'Playfair Display', serif; line-height: 1.2; }
em { font-style: italic; color: var(--gold); }
a { text-decoration: none; color: inherit; }

/* ── Nav ──────────────────────────────────────────────────────────── */
.nav {
  position: sticky; top: 0; z-index: 200;
  background: var(--navy);
  box-shadow: 0 2px 16px rgba(0,0,0,0.20);
}
.nav-inner {
  max-width: 1140px; margin: 0 auto;
  padding: 0 24px;
  display: flex; align-items: center; justify-content: space-between;
  height: 64px;
}
.logo { display: flex; align-items: center; gap: 12px; }
.logo-mark {
  width: 36px; height: 36px; border-radius: 8px;
  background: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-weight: 900; font-size: 16px; color: var(--navy);
  flex-shrink: 0;
}
.logo-text { display: flex; flex-direction: column; line-height: 1; }
.logo-name { color: #fff; font-weight: 700; font-size: 15px; }
.logo-sub  { color: var(--gold); font-size: 10px; letter-spacing: 1.5px; text-transform: uppercase; }

.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a { color: rgba(255,255,255,0.8); font-size: 14px; font-weight: 500; transition: color .2s; }
.nav-links a:hover { color: #fff; }

.btn-nav {
  background: var(--gold); color: var(--navy) !important;
  padding: 9px 20px; border-radius: 8px;
  font-weight: 700 !important; font-size: 13px !important;
  transition: background .2s, transform .15s !important;
  display: inline-block;
}
.btn-nav:hover { background: var(--gold-dark); transform: translateY(-1px); }

.hamburger {
  display: none; background: none; border: none;
  color: #fff; font-size: 22px; cursor: pointer;
}
.mobile-menu {
  display: none; flex-direction: column;
  background: var(--navy); padding: 12px 24px 20px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.mobile-menu.open { display: flex; }
.mobile-menu a { color: rgba(255,255,255,0.85); padding: 10px 0; font-size: 15px; border-bottom: 1px solid rgba(255,255,255,0.08); }
.mobile-menu a:last-child { border-bottom: none; color: var(--gold); font-weight: 700; }

/* ── Buttons ──────────────────────────────────────────────────────── */
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--gold); color: var(--navy);
  padding: 14px 28px; border-radius: 10px;
  font-weight: 700; font-size: 15px;
  box-shadow: 0 4px 16px rgba(200,168,75,0.35);
  transition: all .2s; border: none; cursor: pointer; font-family: inherit;
}
.btn-primary:hover { background: var(--gold-dark); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(200,168,75,0.45); }
.btn-primary span { font-size: 18px; }

.btn-ghost {
  display: inline-flex; align-items: center; gap: 6px;
  background: transparent; color: #fff;
  padding: 14px 24px; border-radius: 10px;
  font-weight: 600; font-size: 15px;
  border: 2px solid rgba(255,255,255,0.35);
  transition: all .2s;
}
.btn-ghost:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.6); }

/* ── Hero ─────────────────────────────────────────────────────────── */
.hero {
  position: relative; overflow: hidden;
  background: var(--navy);
  min-height: 88vh;
  display: flex; align-items: center;
  padding: 60px 24px;
}
.hero-bg {
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 70% 80% at 85% 50%, rgba(46,109,164,0.35) 0%, transparent 70%),
              radial-gradient(ellipse 40% 50% at 10% 80%, rgba(200,168,75,0.12) 0%, transparent 60%);
  pointer-events: none;
}
.hero-content {
  position: relative; z-index: 2;
  max-width: 560px; margin: 0 auto 0 max(24px, calc((100vw - 1140px)/2));
}
.hero-badge {
  display: inline-block;
  background: rgba(200,168,75,0.18); color: var(--gold);
  border: 1px solid rgba(200,168,75,0.35);
  padding: 5px 14px; border-radius: 20px;
  font-size: 12px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase;
  margin-bottom: 20px;
}
.hero-title {
  font-size: clamp(36px, 5vw, 58px);
  color: #fff; line-height: 1.1; margin-bottom: 20px;
  font-family: 'Playfair Display', serif;
}
.hero-subtitle {
  color: rgba(255,255,255,0.72); font-size: 17px; line-height: 1.7;
  margin-bottom: 36px; max-width: 480px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }

.hero-stats {
  display: flex; align-items: center; gap: 20px;
  padding: 18px 24px; background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12); border-radius: 12px;
  backdrop-filter: blur(8px); width: fit-content;
}
.stat { display: flex; flex-direction: column; gap: 2px; }
.stat strong { color: var(--gold); font-size: 20px; font-weight: 700; line-height: 1; }
.stat span   { color: rgba(255,255,255,0.65); font-size: 11px; text-transform: uppercase; letter-spacing: 1px; }
.stat-div    { width: 1px; height: 32px; background: rgba(255,255,255,0.15); }

/* Floating visual cards */
.hero-visual {
  position: absolute; right: max(24px, calc((100vw - 1140px)/2));
  top: 50%; transform: translateY(-50%);
  width: 320px; height: 380px;
  display: none;
}
@media (min-width: 900px) { .hero-visual { display: block; } }

.hero-circle {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%);
  width: 280px; height: 280px; border-radius: 50%;
  background: radial-gradient(circle, rgba(46,109,164,0.25), rgba(26,58,92,0.1));
  border: 1px solid rgba(200,168,75,0.2);
}
.card-float {
  position: absolute; background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15); backdrop-filter: blur(12px);
  border-radius: 14px; padding: 14px 18px;
  display: flex; align-items: center; gap: 12px;
  animation: float 4s ease-in-out infinite;
}
.card-1 { top: 30px; left: 0; animation-delay: 0s; }
.card-2 { top: 50%; left: 50%; transform: translate(-50%,-50%); animation-delay: 1.3s; }
.card-3 { bottom: 20px; right: 0; animation-delay: 2.6s; }

@keyframes float {
  0%,100% { transform: translateY(0); }
  50%      { transform: translateY(-10px); }
}
.card-2 { animation: float2 4s ease-in-out 1.3s infinite; }
@keyframes float2 {
  0%,100% { transform: translate(-50%,-50%) translateY(0); }
  50%      { transform: translate(-50%,-50%) translateY(-10px); }
}

.card-icon { font-size: 24px; }
.card-label { color: rgba(255,255,255,0.6); font-size: 11px; }
.card-val   { color: #fff; font-weight: 700; font-size: 14px; }

/* ── Sections ─────────────────────────────────────────────────────── */
.section     { padding: 90px 24px; }
.section-alt { background: var(--surface); }
.container   { max-width: 1140px; margin: 0 auto; }

.section-label {
  color: var(--blue); font-size: 12px; font-weight: 700;
  letter-spacing: 2px; text-transform: uppercase; margin-bottom: 12px;
}
.section-title {
  font-size: clamp(28px, 3.5vw, 42px); color: var(--navy);
  margin-bottom: 52px; line-height: 1.2;
}

/* Services grid */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 24px;
}
.service-card {
  background: var(--surface); border-radius: var(--radius);
  padding: 32px; border: 1px solid var(--border);
  box-shadow: var(--shadow); transition: transform .2s, box-shadow .2s;
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.service-icon { font-size: 32px; margin-bottom: 16px; }
.service-card h3 { font-size: 18px; margin-bottom: 10px; color: var(--navy); }
.service-card p  { color: var(--muted); font-size: 14px; line-height: 1.7; }

/* Process */
.process-steps {
  display: flex; align-items: flex-start; gap: 0;
  flex-wrap: wrap; margin-bottom: 48px;
}
.process-step {
  flex: 1; min-width: 220px;
  background: var(--bg); border-radius: var(--radius);
  padding: 28px; border: 1px solid var(--border);
}
.process-arrow {
  display: flex; align-items: center; justify-content: center;
  padding: 0 12px; font-size: 24px; color: var(--gold);
  font-weight: 700; flex-shrink: 0; padding-top: 28px;
}
.step-num {
  font-size: 36px; font-weight: 700; color: var(--gold);
  font-family: 'Playfair Display', serif; line-height: 1;
  margin-bottom: 12px;
}
.step-body h3 { font-size: 17px; margin-bottom: 8px; color: var(--navy); }
.step-body p  { font-size: 14px; color: var(--muted); line-height: 1.6; }
.process-cta  { text-align: center; }

/* ── Footer ───────────────────────────────────────────────────────── */
.footer { background: var(--navy); padding: 60px 24px 24px; }
.footer-inner {
  max-width: 1140px; margin: 0 auto 40px;
  display: grid; grid-template-columns: 2fr 1fr 1fr;
  gap: 40px;
}
.footer-tagline { color: rgba(255,255,255,0.5); font-size: 13px; margin-top: 14px; max-width: 280px; }
.footer-links h4, .footer-contact h4 {
  color: var(--gold); font-size: 11px; font-weight: 700;
  letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 14px;
  font-family: 'Inter', sans-serif;
}
.footer-links a, .footer-contact p {
  display: block; color: rgba(255,255,255,0.65); font-size: 14px; margin-bottom: 8px;
}
.footer-links a:hover { color: #fff; }
.footer-bottom {
  max-width: 1140px; margin: 0 auto;
  padding-top: 20px; border-top: 1px solid rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.35); font-size: 12px; text-align: center;
}

/* ── Fact Finder page ─────────────────────────────────────────────── */
.ff-page { min-height: 100vh; background: var(--bg); }
.ff-topbar {
  background: var(--navy); height: 60px;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 24px; position: sticky; top: 0; z-index: 100;
  box-shadow: 0 2px 16px rgba(0,0,0,0.2);
}
.ff-topbar-left { display: flex; align-items: center; gap: 12px; }
.ff-back { color: rgba(255,255,255,0.7); font-size: 13px; text-decoration: none; display: flex; align-items: center; gap: 4px; }
.ff-back:hover { color: #fff; }
.ff-progress-bar { display: flex; align-items: center; gap: 10px; }
.ff-pct  { color: var(--gold); font-weight: 700; font-size: 13px; }
.ff-bar  { width: 120px; height: 5px; background: rgba(255,255,255,0.15); border-radius: 3px; }
.ff-bar-fill { height: 100%; background: var(--gold); border-radius: 3px; transition: width .4s; }
.ff-save { background: rgba(255,255,255,0.1); color: #fff; border: 1px solid rgba(255,255,255,0.2); padding: 7px 14px; border-radius: 7px; font-size: 12px; font-weight: 600; cursor: pointer; font-family: inherit; }
.ff-save:hover { background: rgba(255,255,255,0.18); }

.ff-body { max-width: 1200px; margin: 0 auto; padding: 0; width: 100%; overflow-x: hidden; }

/* pill nav — two-row layout */
.ff-pills-wrap { margin-bottom: 24px; display:flex; flex-direction:column; align-items:center; }
.ff-pill-row { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 8px; justify-content: center; }
.ff-pill-row:last-child { margin-bottom: 0; }
.ff-pill-row2 { padding-left: 2px; }

/* Section pill nav */
/* ff-pills is now a shell — layout done by ff-pill-row children */
.ff-pills { display: flex; flex-direction: column; gap: 0; }
.ff-pill {
  padding: 9px 18px; border-radius: 24px; border: 2px solid var(--border);
  background: var(--surface); color: var(--muted);
  font-size: 12px; font-weight: 700; cursor: pointer;
  transition: all .18s; white-space: nowrap; font-family: inherit;
  flex-shrink: 0;
}
.ff-pill.active     { background: var(--navy); color: #fff; border-color: var(--navy); }
.ff-pill.done       { background: var(--light-blue); color: var(--navy); border-color: var(--blue); }
.ff-pill-review     { border-color: var(--gold); color: var(--navy); }
.ff-pill-review.active { background: var(--gold); color: var(--navy); border-color: var(--gold); }
/* row 2 separator */
.ff-pill-row2 .ff-pill:first-child { margin-left: 0; }

/* Section card */
.ff-card {
  background: var(--surface); border-radius: 0; overflow: hidden;
  box-shadow: none; border: none;
  margin-bottom: 0; width: 100%;
}
.ff-card-header {
  background: var(--navy);
  padding: 14px 36px;
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}
.ff-card-header-left { display: contents; }
.ff-card-icon   { font-size: 26px; line-height: 1; flex-shrink: 0; }
.ff-card-title  { color: #fff; font-size: 20px; font-family: 'Playfair Display', serif; font-weight: 700; white-space: nowrap; flex-shrink: 0; }
.ff-card-title::after { content: ' —'; color: rgba(255,255,255,0.35); font-weight: 300; }
.ff-card-sub    { color: rgba(255,255,255,0.85); font-size: 13.5px; line-height: 1.4; }

.ff-card-body   { padding: 36px; }
.ff-fields      { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 20px 24px; }
.ff-field       { display: flex; flex-direction: column; gap: 6px; }
.ff-field.full  { grid-column: 1 / -1; }

.ff-label {
  font-size: 11px; font-weight: 700; color: #475569;
  text-transform: uppercase; letter-spacing: 0.6px;
}
.ff-required { color: var(--gold); margin-left: 3px; }
.ff-hint     { font-size: 11px; color: #475569; font-style: italic; margin-top: -2px; }
.ff-age-tag  { font-size: 11px; color: var(--blue); font-weight: 600; margin-top: 3px; }
.ff-error    { font-size: 11px; color: #dc2626; font-weight: 600; }

.ff-input, .ff-select {
  width: 100%; padding: 11px 14px; border-radius: 8px;
  border: 1.5px solid var(--border); background: #F5F9FD;
  font-size: 14px; font-family: inherit; color: var(--navy);
  outline: none; transition: border-color .2s, background .2s;
}
.ff-input:focus, .ff-select:focus { border-color: var(--blue); background: #EEF6FF; }
.ff-input.filled { border-color: var(--blue); background: #EEF6FF; }
.ff-input.error  { border-color: #dc2626; }

.ff-select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%231A3A5C' stroke-width='2' fill='none'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 14px center;
  background-color: #F5F9FD; padding-right: 36px; cursor: pointer;
}

.ff-yesno { display: flex; gap: 10px; }
.ff-yn-btn {
  flex: 1; padding: 11px; border-radius: 8px; border: 2px solid var(--border);
  background: var(--surface); color: var(--muted);
  font-weight: 700; font-size: 14px; cursor: pointer;
  transition: all .18s; font-family: inherit;
}
.ff-yn-btn.active { background: var(--navy); color: #fff; border-color: var(--navy); }

/* Nav buttons */
.ff-nav {
  display: flex; justify-content: space-between; align-items: center;
  padding: 16px 28px; border-top: 1px solid var(--border); background: #fafcff;
}
.ff-nav-step { font-size: 12px; color: var(--muted); }
.btn-back {
  padding: 11px 24px; background: var(--surface); color: var(--navy);
  border: 2px solid var(--border); border-radius: 10px;
  font-weight: 700; font-size: 14px; cursor: pointer; font-family: inherit;
  transition: all .18s;
}
.btn-back:hover:not(:disabled) { border-color: var(--navy); }
.btn-back:disabled { opacity: 0.4; cursor: default; }
.btn-next {
  padding: 11px 28px; background: var(--navy); color: #fff; border: none;
  border-radius: 10px; font-weight: 700; font-size: 14px; cursor: pointer;
  font-family: inherit; box-shadow: 0 4px 12px rgba(26,58,92,0.25);
  transition: all .18s;
}
.btn-next:hover { background: #0e2540; transform: translateY(-1px); }

/* Review panel */
.review-section {
  background: var(--surface); border-radius: 12px; overflow: hidden;
  border: 1px solid var(--border); margin-bottom: 14px;
}
.review-sec-hdr {
  background: var(--light-blue); padding: 10px 16px;
  display: flex; justify-content: space-between; align-items: center;
}
.review-sec-title { font-weight: 700; color: var(--navy); font-size: 13px; }
.btn-edit {
  font-size: 11px; color: var(--blue); background: none;
  border: 1px solid var(--blue); border-radius: 6px;
  padding: 3px 10px; cursor: pointer; font-family: inherit; font-weight: 600;
}
.review-fields { padding: 14px 16px; display: grid; grid-template-columns: 1fr 1fr; gap: 8px 16px; }
.review-field  { display: flex; flex-direction: column; }
.review-flabel { font-size: 10px; color: var(--muted); text-transform: uppercase; letter-spacing: 0.4px; font-weight: 600; }
.review-fval   { font-size: 13px; color: var(--navy); font-weight: 600; }

/* Action card */
.action-card {
  background: var(--surface); border-radius: 16px; padding: 28px;
  border: 1px solid var(--border); box-shadow: var(--shadow-lg);
}
.action-card h3 { font-size: 17px; color: var(--navy); margin-bottom: 6px; }
.action-card p  { color: var(--muted); font-size: 13px; margin-bottom: 22px; }
.action-btns    { display: flex; gap: 12px; flex-wrap: wrap; }
.btn-dl {
  padding: 13px 28px; background: var(--gold); color: var(--navy);
  border: none; border-radius: 10px; font-weight: 700; font-size: 14px;
  cursor: pointer; font-family: inherit;
  box-shadow: 0 4px 14px rgba(200,168,75,0.4); transition: all .18s;
}
.btn-dl:hover { background: var(--gold-dark); transform: translateY(-1px); }
.btn-dl:disabled { opacity: 0.6; cursor: wait; }
.btn-email {
  padding: 13px 24px; background: var(--surface); color: var(--navy);
  border: 2px solid var(--navy); border-radius: 10px;
  font-weight: 700; font-size: 14px; cursor: pointer; font-family: inherit; transition: all .18s;
}
.btn-email:hover { background: var(--light-blue); }
.btn-save2 {
  padding: 13px 24px; background: var(--surface); color: var(--blue);
  border: 2px solid var(--blue); border-radius: 10px;
  font-weight: 700; font-size: 14px; cursor: pointer; font-family: inherit; transition: all .18s;
}

/* Done screen */
.done-screen {
  text-align: center; background: var(--surface);
  border-radius: 16px; padding: 60px 40px;
  box-shadow: var(--shadow-lg); border: 1px solid var(--border);
}
.done-icon  { font-size: 60px; margin-bottom: 20px; }
.done-title { font-size: 28px; color: var(--navy); margin-bottom: 10px; }
.done-sub   { color: var(--muted); font-size: 15px; margin-bottom: 32px; max-width: 400px; margin-left: auto; margin-right: auto; }

/* Toast */
.toast {
  position: fixed; bottom: 24px; left: 50%; transform: translateX(-50%) translateY(100px);
  background: var(--navy); color: #fff; padding: 12px 24px; border-radius: 10px;
  font-size: 14px; font-weight: 600; z-index: 9999;
  box-shadow: 0 4px 20px rgba(0,0,0,0.2);
  transition: transform .3s cubic-bezier(.34,1.56,.64,1);
  white-space: normal; max-width: min(90vw, 480px); text-align: center;
}
.toast.show { transform: translateX(-50%) translateY(0); }

/* Resume banner */
.resume-banner {
  background: var(--gold); padding: 12px 24px;
  display: flex; align-items: center; justify-content: center; gap: 16px;
  flex-wrap: wrap;
}
.resume-banner span { font-weight: 600; color: var(--navy); font-size: 13px; }
.ff-clear {
  padding: 7px 12px; background: none; color: #94a3b8;
  border: 1px solid #e2e8f0; border-radius: 7px;
  font-size: 12px; font-weight: 600; cursor: pointer;
  font-family: inherit; transition: all .15s;
}
.ff-clear:hover { background: #FFF1F2; color: #DC2626; border-color: #FECDD3; }

.btn-resume {
  padding: 7px 18px; background: var(--navy); color: #fff;
  border: none; border-radius: 6px; cursor: pointer;
  font-weight: 700; font-size: 12px; font-family: inherit;
}
.btn-dismiss {
  padding: 7px 14px; background: transparent; color: var(--navy);
  border: 1px solid var(--navy); border-radius: 6px; cursor: pointer;
  font-family: inherit; font-size: 12px;
}

/* ── Responsive ───────────────────────────────────────────────────── */
@media (max-width: 900px) {
  .nav-links  { display: none; }
  .hamburger  { display: block; }
  .hero { padding: 48px 20px; min-height: auto; }
  .hero-content { margin-left: 0; max-width: 100%; }
  .hero-actions { flex-direction: column; }
  .btn-primary, .btn-ghost { text-align: center; justify-content: center; }
  .footer-inner { grid-template-columns: 1fr; gap: 28px; }
  .process-arrow { display: none; }
  .process-steps { flex-direction: column; }
  .ff-fields { grid-template-columns: 1fr; }
  .review-fields { grid-template-columns: 1fr; }
  .action-btns { flex-direction: column; }
  .ff-bar { width: 70px; }
  .ff-topbar { padding: 0 14px; }
  .ff-body { padding: 0; }
  .ff-pills-wrap { margin-bottom: 16px; }
  .ff-pill-row { gap: 6px; }
  .ff-pill { padding: 7px 12px; font-size: 11px; }
  .ff-card-body { padding: 18px 14px; }
  .ff-card-header { padding: 12px 16px; gap: 10px; }
  .ff-card-title  { font-size: 16px; }
  .ff-card-sub    { font-size: 12px; }
  .upload-options { overflow-x: auto; }
  .upload-opt-tab { white-space: nowrap; flex-shrink: 0; }
  .manual-table th, .manual-table td { padding: 4px 3px; font-size: 10px; }
  /* insurance 2-col → 1-col on mobile */
  .ins-sub { grid-template-columns: 1fr !important; }
  .policy-card-body { grid-template-columns: 1fr !important; }
  /* col totals 3-col → 1-col on mobile */
  .col-totals { grid-template-columns: 1fr !important; }
}

/* ── Extra-small phones (≤ 480px) ─────────────────────────────────── */
@media (max-width: 480px) {
  /* Topbar — hide sub-label and back text, keep logo + progress */
  .ff-back { display: none; }
  .logo-sub { display: none; }
  .logo-name { font-size: 13px; }
  .logo-mark { width: 28px; height: 28px; font-size: 13px; }
  .ff-topbar { height: 52px; }
  /* pills — smaller */
  .ff-pill { padding: 7px 12px; font-size: 11px; }
  /* card header */
  .ff-card-title { font-size: 18px; }
  /* manual table — hide cost basis col on tiny screens */
  .manual-col-basis { display: none; }
  /* action buttons full width */
  .btn-dl, .btn-email, .btn-save2 { width: 100%; text-align: center; justify-content: center; }
  /* review 2-col → 1-col */
  .review-fields { grid-template-columns: 1fr; }
  /* gap kpi row — single col */
  .gap-kpi-row { grid-template-columns: 1fr 1fr; }
  /* col totals already 1-col from 900px rule */
}


/* ══════════════════════════════════════════════════════════════
   ASSETS TAB — Progressive Disclosure Zones
   ══════════════════════════════════════════════════════════════ */
.az-wrap { display:flex; flex-direction:column; gap:12px; }

/* Zone container */
.az-zone { border-radius:14px; overflow:hidden; border:1.5px solid; transition:box-shadow .2s; }
.az-zone-taxable  { border-color:#BFDBFE; background:#EEF6FF; }
.az-zone-deferred { border-color:#FED7AA; background:#FFF7ED; }
.az-zone-roth     { border-color:#BBF7D0; background:#F0FDF4; }
.az-zone-liab     { border-color:#FECDD3; background:#FFF1F2; }

/* Zone header */
.az-zone-hdr {
  display:flex; align-items:center; gap:12px;
  padding:14px 20px; cursor:pointer; user-select:none;
  transition:filter .15s;
}
.az-zone-hdr:hover { filter:brightness(.97); }
.az-zone-icon  { font-size:20px; flex-shrink:0; }
.az-zone-title-block { flex:1; min-width:0; }
.az-zone-title { font-size:12px; font-weight:700; text-transform:uppercase; letter-spacing:.6px; }
.az-zone-sub   { font-size:11px; color:#64748b; margin-top:1px; }
.az-zone-hdr-total { font-size:16px; font-weight:700; margin-left:auto; margin-right:14px; flex-shrink:0; }
.az-zone-chev  { font-size:12px; opacity:.55; transition:transform .25s; flex-shrink:0; }
.az-zone.open .az-zone-chev { transform:rotate(90deg); }

/* Zone body — hidden when collapsed */
.az-zone-body  { display:none; padding-bottom:4px; }
.az-zone.open .az-zone-body { display:block; }

/* Sub-headers inside zones */
.az-zone-sub-hdr {
  font-size:10px; font-weight:700; text-transform:uppercase; letter-spacing:.4px;
  padding:6px 20px; border-top:1px solid; margin-top:2px;
  background:rgba(255,255,255,.5);
  grid-column: 1 / -1;
}

/* Line items */
/* ── Asset tile grid ── */
.az-items {
  padding: 10px 14px 8px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
}
/* Sub-headers span full width inside the grid */
.az-items > .az-zone-sub-hdr,
.az-items > .ip-grid-wrap { grid-column: 1 / -1; }

/* Tile card */
.az-item {
  background: #fff; border-radius: 10px; border: 1.5px solid #e2e8f0;
  overflow: hidden; transition: border-color .15s, box-shadow .15s;
  display: flex; flex-direction: column;
}
/* Open tile spans full row */
.az-item.open {
  grid-column: 1 / -1;
  box-shadow: 0 4px 14px rgba(26,58,92,.1);
}
.az-zone-taxable  .az-item.open { border-color: #2E6DA4; }
.az-zone-deferred .az-item.open { border-color: #D97706; }
.az-zone-roth     .az-item.open { border-color: #16A34A; }
.az-zone-liab     .az-item.open { border-color: #DC2626; }
.az-item-auto { background: #F8FAFC; grid-column: 1 / -1; }

/* Tile header — stacked layout when collapsed, row when open */
.az-item-row {
  display: flex; flex-direction: column;
  padding: 12px 12px 10px; cursor: pointer; flex: 1;
}
.az-item.open .az-item-row {
  flex-direction: row; align-items: center; gap: 10px;
  padding: 11px 14px; border-bottom: 1px solid #f1f5f9;
  flex: 0 0 auto;
}
.az-item-auto .az-item-row { cursor: default; flex-direction: row; align-items: center; gap: 10px; padding: 11px 14px; }
.az-item-info { flex: 1; min-width: 0; }
.az-item-name { font-size: 12px; font-weight: 700; color: var(--navy); line-height: 1.3; }
.az-item-hint { font-size: 10px; color: #64748b; margin-top: 3px; line-height: 1.4; }

/* Value: big in tile, compact in open row */
.az-item-val {
  font-size: 17px; font-weight: 800; color: var(--navy);
  margin-top: 8px; letter-spacing: -0.3px; line-height: 1;
}
.az-item.open .az-item-val,
.az-item-auto .az-item-val {
  font-size: 15px; font-weight: 700; margin-top: 0;
  min-width: 80px; text-align: right; flex-shrink: 0;
}
.az-item-val.empty { color: #94a3b8; font-size: 12px; font-weight: 400; margin-top: 6px; }
.az-item.open .az-item-val.empty,
.az-item-auto .az-item-val.empty { margin-top: 0; }

/* Edit/Add button — hidden in collapsed tile, shown when open */
.az-item-btn {
  display: none;
  padding: 5px 12px; border-radius: 7px; font-size: 11px; font-weight: 700;
  cursor: pointer; border: 1.5px solid #e2e8f0; color: #64748b; background: transparent;
  white-space: nowrap; flex-shrink: 0; font-family: inherit; transition: all .15s;
}
.az-item.open .az-item-btn,
.az-item-auto .az-item-btn { display: inline-block; }
.az-item-btn:hover { border-color: #2E6DA4; color: #2E6DA4; background: #EEF6FF; }
.az-item-btn.edit  { background: #EEF6FF; border-color: #2E6DA4; color: #2E6DA4; }
.az-item-btn.edit:hover { background: #2E6DA4; color: #fff; }

/* Inline drawer */
.az-drawer {
  display: none; padding: 12px 14px 14px;
  border-top: 1.5px dashed #e2e8f0; background: #FAFCFF;
  animation: azDrawerIn .18s ease;
}
.az-item.open .az-drawer { display: block; }
@keyframes azDrawerIn { from{opacity:0;transform:translateY(-5px)} to{opacity:1;transform:translateY(0)} }

.az-drawer-fields { display: grid; gap: 10px; align-items: end; margin-bottom: 10px; }
.az-drawer-field label {
  font-size: 10px; font-weight: 700; color: #475569;
  text-transform: uppercase; letter-spacing: .4px; display: block; margin-bottom: 5px;
}
.az-opt { font-weight: 400; text-transform: none; letter-spacing: 0; color: #94a3b8; }

/* Gain/loss badge */
.az-gain {
  padding: 8px 10px; border-radius: 8px; border: 1.5px solid #e2e8f0;
  background: #F8FAFC; text-align: center; min-width: 110px;
}
.az-gain.pos { border-color: #BBF7D0; background: #F0FDF4; }
.az-gain.neg { border-color: #FECDD3; background: #FFF1F2; }
.az-gain-lbl { font-size: 9px; font-weight: 700; text-transform: uppercase; letter-spacing: .4px; color: #64748b; margin-bottom: 3px; }
.az-gain-val { font-size: 14px; font-weight: 700; color: #64748b; }
.az-gain.pos .az-gain-val { color: #166534; }
.az-gain.neg .az-gain-val { color: #991b1b; }

.az-done-btn {
  padding: 7px 18px; background: var(--navy); color: #fff; border: none;
  border-radius: 8px; font-size: 12px; font-weight: 700; cursor: pointer; font-family: inherit;
  transition: opacity .15s;
}
.az-done-btn:hover { opacity: .85; }

/* Zone footer */
.az-zone-foot {
  display: flex; align-items: center; justify-content: space-between;
  padding: 11px 20px; border-top: 1.5px solid;
}
.az-foot-lbl  { font-size: 9px; font-weight: 700; text-transform: uppercase; letter-spacing: .4px; color: #64748b; margin-bottom: 2px; }
.az-foot-val  { font-size: 18px; font-weight: 700; }
.az-foot-badge { padding: 3px 10px; border-radius: 12px; font-size: 10px; font-weight: 700; letter-spacing: .2px; }

/* ── Import block (standalone between Taxable + Deferred) ── */
.az-import-block {
  border-radius:12px; border:1.5px dashed #BFDBFE;
  background:#F8FBFF; overflow:hidden;
}
.az-import-trigger {
  display:flex; align-items:center; gap:14px;
  padding:14px 20px; cursor:pointer; transition:background .15s;
}
.az-import-trigger:hover { background:rgba(46,109,164,.05); }
.az-import-icon { font-size:22px; flex-shrink:0; }
.az-import-trigger-text { flex:1; }
.az-import-trigger-title { font-size:13px; font-weight:700; color:var(--navy); }
.az-import-trigger-sub   { font-size:11px; color:#64748b; margin-top:2px; }
.az-import-chev { font-size:13px; color:#94a3b8; transition:transform .25s; flex-shrink:0; }
.az-import-chev.open { transform:rotate(180deg); }

.az-import-panel { display:none; border-top:1.5px dashed #BFDBFE; padding:16px 20px; }
.az-import-panel.open { display:block; }

.az-import-acct-row { margin-bottom:14px; }
.az-import-acct-lbl { font-size:11px; font-weight:700; color:#475569; text-transform:uppercase; letter-spacing:.4px; margin-bottom:8px; }
.az-import-accts    { display:flex; gap:8px; flex-wrap:wrap; }
.az-acct-btn {
  padding:7px 14px; border-radius:8px; border:1.5px solid #BFDBFE;
  background:#fff; color:#2E6DA4; font-size:12px; font-weight:700;
  cursor:pointer; font-family:inherit; transition:all .15s;
}
.az-acct-btn:hover  { background:#EEF6FF; border-color:#2E6DA4; }
.az-acct-btn.active { background:#1A3A5C; color:#fff; border-color:#1A3A5C; }

/* ── Responsive ── */
@media (max-width: 700px) {
  .az-items { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  .az-items { grid-template-columns: 1fr; }
  .az-item.open { grid-column: 1; }
  .az-zone-hdr-total { display: none; }
  .az-drawer-fields { grid-template-columns: 1fr !important; }
  .az-gain { min-width: 70px; padding: 6px 8px; }
  .az-gain-lbl { font-size: 8px; }
  .az-gain-val { font-size: 12px; }
  .az-import-trigger { padding: 12px 14px; }
  .az-import-accts { gap: 6px; }
  .az-acct-btn { font-size: 11px; padding: 6px 10px; }
}

/* ══════════════════════════════════════════════════════════════════
   SHARED TAB ZONE SYSTEM — General, COL, Planning, Insurance
   Uses same az-zone collapsible header as Assets tab
   ══════════════════════════════════════════════════════════════════ */

/* Tab zones have no footer — just header + body */
.az-zone-tab .az-zone-body { padding-bottom: 0; }
.az-zone-tab .az-zone-hdr-total { display: none; }

/* Inner body padding for tab zones */
.tab-zone-body { padding: 14px 16px 16px; display: flex; flex-direction: column; gap: 14px; }

/* 2-col field grid inside a tab zone */
.tab-zone-fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 16px;
}
@media (max-width: 600px) { .tab-zone-fields { grid-template-columns: 1fr; } }

/* Summary row — label left, bold value right */
.tab-zone-summary-row {
  display: flex; justify-content: space-between; align-items: center;
  background: #EEF6FF; border: 1px solid #BFDBFE; border-radius: 8px;
  padding: 10px 14px; font-size: 13px; font-weight: 600; color: var(--navy);
}
.tab-zone-summary-row strong { font-size: 17px; font-weight: 800; }

/* Sub-section within a zone (yellow box style) */
.tab-zone-sub-section {
  background: #FFFBEB; border: 1.5px solid #FDE68A; border-radius: 10px; padding: 13px 15px;
}
.tab-zone-sub-label {
  font-size: 10px; font-weight: 700; color: #92400e;
  text-transform: uppercase; letter-spacing: .4px; margin-bottom: 10px;
}

/* Stat tile — small KPI box */
.tab-zone-stat-tile {
  background: #F0FDF4; border: 1px solid #BBF7D0; border-radius: 8px;
  padding: 10px 12px; text-align: center;
}
.tab-zone-stat-label { font-size: 9px; font-weight: 700; color: #64748b; text-transform: uppercase; letter-spacing: .4px; margin-bottom: 4px; }
.tab-zone-stat-val   { font-size: 18px; font-weight: 800; color: var(--navy); line-height: 1; }
.tab-zone-stat-sub   { font-size: 9px; color: #64748b; margin-top: 3px; }

/* Inline calc/warn notes */
.tab-zone-calc-note {
  font-size: 11px; color: #92400e; background: #FFFBEB;
  border: 1px solid #FDE68A; border-radius: 7px; padding: 8px 12px;
}
.tab-zone-warn-note {
  font-size: 11px; color: #92400e; background: #FFFBEB;
  border: 1.5px solid #FDE68A; border-radius: 8px; padding: 9px 13px;
}

/* ── Insurance policy cards inside the zone ── */
.ins-empty {
  text-align: center; padding: 24px; color: var(--muted); font-size: 14px;
  border: 2px dashed var(--border); border-radius: 12px; margin-bottom: 8px;
}
.ins-policy-card {
  background: #fff; border: 1.5px solid #BFDBFE; border-radius: 10px;
  overflow: hidden; margin-bottom: 10px;
}
.ins-policy-hdr {
  display: flex; align-items: center; gap: 10px;
  padding: 10px 14px; background: #EEF6FF; border-bottom: 1px solid #BFDBFE;
}
.ins-policy-title { font-size: 13px; font-weight: 700; color: var(--navy); flex: 1; }
.ins-policy-who   { font-size: 11px; color: #2E6DA4; font-weight: 600; background: #fff; border: 1px solid #BFDBFE; border-radius: 12px; padding: 2px 8px; }
.ins-policy-remove {
  background: none; border: none; color: #94a3b8; cursor: pointer;
  font-size: 14px; padding: 2px 6px; border-radius: 4px; font-family: inherit;
}
.ins-policy-remove:hover { background: #FEE2E2; color: #dc2626; }
.ins-policy-body { padding: 12px 14px; }

/* ══════════════════════════════════════════════════════════════
   GENERAL TAB — polished redesign
   ══════════════════════════════════════════════════════════════ */

.gen-az-wrap { gap: 14px; }

/* Context card */
.gen-context-card {
  display: flex; align-items: center; justify-content: space-between;
  background: #fff; border: 1.5px solid #e2e8f0; border-radius: 12px;
  padding: 12px 16px; gap: 12px; flex-wrap: wrap;
}
.gen-context-chips { display: flex; gap: 8px; flex-wrap: wrap; }
.gen-context-chip {
  display: flex; align-items: center; gap: 6px;
  padding: 5px 12px; border-radius: 20px;
  font-size: 12px; font-weight: 600;
}
.gen-chip-marital { background: #EEF6FF; color: #1e40af; border: 1px solid #BFDBFE; }
.gen-chip-wealth  { background: #FFFBEB; color: #92400e; border: 1px solid #FDE68A; }
.gen-chip-trust   { background: #F0FDF4; color: #166534; border: 1px solid #BBF7D0; }
.gen-chip-icon    { font-size: 14px; }
.gen-chip-label   { white-space: nowrap; }
.gen-context-edit {
  background: none; border: 1.5px solid #e2e8f0; border-radius: 8px;
  padding: 6px 12px; font-size: 11px; font-weight: 600; color: #64748b;
  cursor: pointer; white-space: nowrap; font-family: inherit;
  transition: border-color .15s, color .15s;
}
.gen-context-edit:hover { border-color: var(--blue); color: var(--blue); }

/* Side-by-side person zones */
.gen-people-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.gen-people-col { display: flex; flex-direction: column; }
.gen-people-col .az-zone { flex: 1; }
@media (max-width: 640px) { .gen-people-row { grid-template-columns: 1fr; } }

/* Person preview avatar (shows once name filled) */
.gen-person-preview {
  display: flex; align-items: center; gap: 12px;
  padding: 12px 0 14px; border-bottom: 1px solid rgba(0,0,0,.06); margin-bottom: 14px;
}
.gen-person-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--navy); color: #fff;
  font-size: 18px; font-weight: 700;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.gen-person-info { display: flex; flex-direction: column; gap: 2px; }
.gen-person-name { font-size: 15px; font-weight: 700; color: var(--navy); }
.gen-person-age  { font-size: 12px; color: var(--blue); font-weight: 600; }

/* Fields inside person zone */
.gen-person-fields { display: flex; flex-direction: column; gap: 16px; }
.gen-name-input { font-size: 15px !important; font-weight: 500 !important; }
.gen-dob-row .ff-age-tag {
  background: #EEF6FF; color: var(--blue); border: 1px solid #BFDBFE;
  border-radius: 12px; padding: 3px 10px; font-size: 11px; font-weight: 700;
  white-space: nowrap; margin-left: 10px; display: inline-block;
}

/* Household grid */
.gen-household-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 580px) { .gen-household-grid { grid-template-columns: 1fr; } }

/* Children section */
.gen-children-wrap {
  margin-top: 16px; padding-top: 16px;
  border-top: 1.5px solid rgba(22,101,52,.15);
}
.gen-children-label {
  display: flex; align-items: center; gap: 8px;
  font-size: 11px; font-weight: 700; color: #166534;
  text-transform: uppercase; letter-spacing: .6px; margin-bottom: 12px;
}
.gen-children-icon { font-size: 16px; }
.gen-children-cards { display: flex; flex-direction: column; gap: 10px; }
.gen-child-card { background: #fff; border: 1.5px solid #BBF7D0; border-radius: 10px; overflow: hidden; }
.gen-child-hdr {
  display: flex; align-items: center; gap: 12px;
  padding: 10px 14px; background: #F0FDF4; border-bottom: 1px solid #BBF7D0;
}
.gen-child-avatar {
  width: 34px; height: 34px; border-radius: 50%;
  background: #166534; color: #fff; font-size: 13px; font-weight: 700;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.gen-child-title  { display: flex; flex-direction: column; gap: 1px; }
.gen-child-label  { font-size: 10px; font-weight: 700; color: #64748b; text-transform: uppercase; letter-spacing: .5px; }
.gen-child-name   { font-size: 13px; font-weight: 600; color: #166534; }
.gen-child-fields { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 16px; padding: 14px; }
@media (max-width: 580px) { .gen-child-fields { grid-template-columns: 1fr; } }

/* ── Asset totals grid — collapse 3-col to 1-col on mobile ── */
@media (max-width: 600px) {
  /* assetTotalsHTML uses inline repeat(3,1fr) — override */
  #calc-assets div[style*="repeat(3"] {
    grid-template-columns: 1fr !important;
  }
  /* any inline 3-col grid in fact-finder card body */
  .ff-card-body div[style*="repeat(3,1fr)"] {
    grid-template-columns: 1fr 1fr !important;
  }
  /* az zone footer — stack on tiny screens */
  .az-zone-foot { flex-direction: column; align-items: flex-start; gap: 6px; }
  .az-foot-badge { align-self: flex-start; }
  /* import block account buttons — wrap tighter */
  .az-import-accts { grid-template-columns: 1fr 1fr; display: grid; }
}

@media (max-width: 400px) {
  .ff-card-body div[style*="repeat(3,1fr)"] {
    grid-template-columns: 1fr !important;
  }
  .az-import-accts { grid-template-columns: 1fr; }
}

/* ── COL section grid layout ── */
.col-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}

/* ── Generic inline multi-col grids — mobile fallback ── */
/* Targets the raw inline-styled divs in COL/review/gap sections */
@media (max-width: 700px) {
  /* COL section raw grids */
  div[style*="grid-template-columns:1fr 1fr"] {
    grid-template-columns: 1fr !important;
  }
  div[style*="grid-template-columns: 1fr 1fr"] {
    grid-template-columns: 1fr !important;
  }
  div[style*="repeat(4,1fr)"] {
    grid-template-columns: 1fr 1fr !important;
  }
  div[style*="repeat(3,1fr)"] {
    grid-template-columns: 1fr !important;
  }
}

@media (max-width: 480px) {
  div[style*="repeat(4,1fr)"] {
    grid-template-columns: 1fr !important;
  }
}

/* ══════════════════════════════════════════════════════════════════
   FINANCIAL ASSETS — Holdings detail & inline import
   ══════════════════════════════════════════════════════════════════ */

/* ── Item value wrap (for hld-clickable badge) ── */
.az-item-val-wrap { display:flex; align-items:center; gap:6px; }
.az-item-val.az-hld-clickable {
  cursor:pointer; text-decoration:underline dotted;
  text-underline-offset:3px; display:flex; align-items:center; gap:6px;
}
.az-item-val.az-hld-clickable:hover { color:var(--blue); }

/* positions badge next to total */
.az-hld-badge {
  display:inline-block; font-size:10px; font-weight:600;
  background:var(--navy); color:#fff; border-radius:10px;
  padding:2px 7px; white-space:nowrap;
}

/* ── Holdings detail panel (expands below row, above drawer) ── */
.az-holdings-detail {
  border-top:1px solid #e2e8f0;
  background:#F8FAFC;
  padding:0 16px 12px;
  animation:azSlideDown .18s ease;
}
.az-holdings-wrap { overflow-x:auto; }
.az-holdings-scroll { overflow-x:auto; max-height:280px; overflow-y:auto; }

/* ── Holdings table ── */
.az-holdings-tbl {
  width:100%; border-collapse:collapse; font-size:12px;
  margin:0; color:var(--text);
}
.az-holdings-tbl thead tr {
  background:#EEF2FF; border-bottom:2px solid #C7D2FE;
}
.az-holdings-tbl th {
  padding:7px 10px; text-align:left; font-size:10px;
  font-weight:700; text-transform:uppercase; letter-spacing:.4px;
  color:#4338CA; white-space:nowrap;
}
.az-holdings-tbl td { padding:6px 10px; border-bottom:1px solid #f1f5f9; }
.az-holdings-tbl tbody tr:hover { background:#F0F9FF; }
.az-holdings-tbl tfoot td { border-top:2px solid #e2e8f0; border-bottom:none; }

.az-hld-num  { text-align:right; font-variant-numeric:tabular-nums; }
.az-hld-name { max-width:180px; white-space:nowrap; overflow:hidden; text-overflow:ellipsis; }
.az-hld-basis { color:#64748b; }

/* ticker chip */
.az-ticker {
  display:inline-block; font-family:monospace; font-size:11px;
  font-weight:700; background:#EEF2FF; color:#3730A3;
  padding:2px 6px; border-radius:4px; letter-spacing:.5px;
}
/* asset class chip */
.az-asset-cls {
  display:inline-block; font-size:10px; color:#475569;
  background:#F1F5F9; padding:2px 7px; border-radius:8px;
  white-space:nowrap;
}

/* delete row button */
.az-hld-del {
  background:none; border:none; color:#CBD5E1; font-size:13px;
  cursor:pointer; padding:2px 4px; border-radius:4px; line-height:1;
  transition:color .15s, background .15s;
}
.az-hld-del:hover { color:#DC2626; background:#FEE2E2; }

/* gain/loss inline in tfoot */
.az-gain-inline {
  display:inline-block; font-size:11px; font-weight:600;
  padding:3px 9px; border-radius:8px;
}
.az-gain-inline.pos { background:#F0FDF4; color:#15803d; }
.az-gain-inline.neg { background:#FFF1F2; color:#DC2626; }

/* ── Holdings actions row ── */
.az-hld-actions {
  display:flex; gap:10px; padding-top:10px; flex-wrap:wrap;
}
.az-hld-edit-btn, .az-hld-clear-btn {
  font-size:12px; padding:6px 14px; border-radius:8px;
  border:1px solid; cursor:pointer; font-weight:600; transition:.15s;
}
.az-hld-edit-btn  { background:#EFF6FF; color:#1e40af; border-color:#BFDBFE; }
.az-hld-edit-btn:hover  { background:#DBEAFE; }
.az-hld-clear-btn { background:#FFF1F2; color:#991b1b; border-color:#FECDD3; }
.az-hld-clear-btn:hover { background:#FFE4E6; }

/* ── Import toggle button inside drawer ── */
.az-import-toggle-row { padding:10px 0 4px; }
.az-import-toggle-btn {
  width:100%; text-align:left; background:#F8FAFC;
  border:1.5px dashed #CBD5E1; border-radius:10px;
  padding:10px 14px; font-size:13px; font-weight:600;
  color:#475569; cursor:pointer; display:flex;
  justify-content:space-between; align-items:center;
  transition:background .15s, border-color .15s;
}
.az-import-toggle-btn:hover, .az-import-toggle-btn.open {
  background:#EFF6FF; border-color:#93C5FD; color:#1e40af;
}
.az-imp-chev { font-size:11px; opacity:.6; }

/* ── Inline import panel ── */
.az-inline-import {
  background:#fff; border:1.5px solid #E2E8F0;
  border-radius:10px; margin:8px 0 4px;
  overflow:hidden; animation:azSlideDown .18s ease;
}

/* tab bar */
.az-import-tabs {
  display:flex; gap:0; border-bottom:1.5px solid #E2E8F0;
  background:#F8FAFC;
}
.az-import-tab {
  flex:1; padding:9px 12px; font-size:12px; font-weight:600;
  border:none; background:none; cursor:pointer; color:#64748b;
  border-bottom:2.5px solid transparent; transition:.15s;
}
.az-import-tab.active { color:var(--navy); border-bottom-color:var(--navy); background:#fff; }
.az-import-tab:hover:not(.active):not(.az-import-tab-dis) { background:#EFF6FF; color:var(--blue); }
.az-import-tab-dis { opacity:.38; cursor:not-allowed; }

/* pane content */
.az-import-pane { padding:12px 14px 14px; }

/* CSV hint + upload button */
.az-csv-hint {
  font-size:11px; color:#64748b; background:#F8FAFC;
  border:1px solid #E2E8F0; border-radius:8px;
  padding:8px 12px; margin-bottom:12px; line-height:1.7;
}
.az-csv-btn {
  display:inline-flex; align-items:center; gap:8px;
  background:var(--navy); color:#fff; font-size:13px; font-weight:600;
  padding:9px 18px; border-radius:8px; cursor:pointer; transition:.15s;
}
.az-csv-btn:hover { background:var(--blue); }

/* ── Editable mini table (manual entry) ── */
.az-edit-tbl td { padding:4px 6px; }
.az-mini-inp {
  width:100%; padding:5px 7px; border:1.5px solid #E2E8F0;
  border-radius:6px; font-size:12px; color:var(--text);
  background:#fff; box-sizing:border-box; transition:.15s;
}
.az-mini-inp:focus { border-color:var(--blue); outline:none; background:#F0F9FF; }
.az-mini-num { text-align:right; }
.az-mini-sel {
  width:100%; padding:5px 6px; border:1.5px solid #E2E8F0;
  border-radius:6px; font-size:11px; background:#fff;
  color:var(--text); cursor:pointer;
}

/* import actions row */
.az-import-actions {
  display:flex; gap:10px; justify-content:flex-end;
  padding-top:10px; flex-wrap:wrap;
}
.az-add-row-btn {
  padding:7px 14px; border-radius:8px; border:1.5px solid #CBD5E1;
  background:#F8FAFC; color:#475569; font-size:12px;
  font-weight:600; cursor:pointer; transition:.15s;
}
.az-add-row-btn:hover { background:#EFF6FF; border-color:#93C5FD; color:#1e40af; }
.az-save-btn {
  padding:7px 18px; border-radius:8px; border:none;
  background:var(--navy); color:#fff; font-size:12px;
  font-weight:700; cursor:pointer; transition:.15s;
}
.az-save-btn:hover { background:var(--blue); }

/* ── Responsive ── */
@media (max-width: 700px) {
  .az-hld-basis { display:none; }
  .az-holdings-tbl th:nth-child(3),
  .az-holdings-tbl td:nth-child(3) { display:none; } /* hide asset class col */
  .az-hld-name { max-width:100px; }
  .az-import-tabs { flex-wrap:wrap; }
  .az-import-tab  { font-size:11px; padding:7px 8px; }
  .az-import-actions { justify-content:stretch; }
  .az-add-row-btn, .az-save-btn { flex:1; text-align:center; }
}
@media (max-width: 480px) {
  .az-holdings-tbl th:nth-child(2),
  .az-holdings-tbl td:nth-child(2) { display:none; } /* hide name col — keep ticker + value */
  .az-hld-actions { flex-direction:column; }
  .az-hld-edit-btn, .az-hld-clear-btn { width:100%; text-align:center; }
}

/* ══════════════════════════════════════════════════════════════════
   INTAKE SCREEN — 3-question landing before wizard tabs
   ══════════════════════════════════════════════════════════════════ */
.intake-wrap {
  max-width: 600px; margin: 0 auto; padding: 8px 0 40px;
}
.intake-header { text-align: center; margin-bottom: 28px; padding-top: 8px; }
.intake-logo   { margin-bottom: 12px; display:flex; justify-content:center; }
.intake-title  {
  font-family: 'Playfair Display', serif; font-size: 26px;
  color: var(--navy); margin-bottom: 6px; font-weight: 700;
}
.intake-sub { font-size: 14px; color: var(--muted); margin: 0; }

.intake-card {
  background: var(--surface); border: 1.5px solid var(--border);
  border-radius: 14px; padding: 22px 20px; margin-bottom: 14px;
  box-shadow: var(--shadow);
}

.intake-q-label {
  font-size: 14px; font-weight: 700; color: var(--navy);
  margin-bottom: 14px; display: flex; align-items: flex-start; gap: 10px;
}
.intake-q-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--navy); color: #fff;
  font-size: 11px; font-weight: 800; flex-shrink: 0; margin-top: 1px;
}
.intake-q-hint {
  display: block; font-size: 11px; color: var(--muted);
  font-weight: 400; margin-top: 3px; line-height: 1.5;
}

/* Option grid */
.intake-opts   { display: grid; gap: 10px; }
.intake-opts-2 { grid-template-columns: 1fr 1fr; }
.intake-opts-3 { grid-template-columns: 1fr 1fr 1fr; }
.intake-opts-4 { grid-template-columns: 1fr 1fr 1fr 1fr; }

.intake-opt {
  display: flex; flex-direction: column; align-items: center;
  gap: 6px; padding: 14px 10px;
  background: var(--bg); border: 1.5px solid var(--border);
  border-radius: 10px; cursor: pointer; transition: all .15s;
  text-align: center; font-family: inherit;
}
.intake-opt:hover { border-color: var(--blue); background: #EFF6FF; }
.intake-opt.selected {
  border-color: var(--navy); background: #EFF6FF;
  box-shadow: 0 0 0 3px rgba(26,58,92,.12);
}
.intake-opt-icon  { font-size: 22px; line-height: 1; }
.intake-opt-label { font-size: 13px; font-weight: 700; color: var(--navy); }
.intake-opt-desc  { font-size: 10px; color: var(--muted); line-height: 1.4; }

/* Begin button */
.intake-begin {
  width: 100%; padding: 15px; margin-top: 6px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  color: #fff; border: none; border-radius: 12px;
  font-size: 16px; font-weight: 700; font-family: inherit;
  cursor: pointer; transition: opacity .15s, transform .15s;
  box-shadow: 0 4px 18px rgba(26,58,92,.3);
}
.intake-begin:hover:not(.disabled) { opacity: .9; transform: translateY(-1px); }
.intake-begin.disabled {
  background: #CBD5E1; color: #94a3b8; cursor: not-allowed;
  box-shadow: none; transform: none;
}
.intake-legal {
  text-align: center; font-size: 10px; color: var(--muted);
  margin-top: 14px; line-height: 1.6; padding: 0 8px;
}

/* Mobile — stack 4-col into 2-col */
@media (max-width: 600px) {
  .intake-opts-3 { grid-template-columns: 1fr 1fr 1fr; }
  .intake-opts-4 { grid-template-columns: 1fr 1fr; }
  .intake-title  { font-size: 21px; }
}
@media (max-width: 400px) {
  .intake-opts-3 { grid-template-columns: 1fr 1fr; }
  .intake-opts-2 { grid-template-columns: 1fr 1fr; }
}

/* ══════════════════════════════════════════════════════════════════
   GENERAL INFORMATION — Primary + Spouse panels
   ══════════════════════════════════════════════════════════════════ */
.gen-wrap { display: flex; flex-direction: column; gap: 16px; }

/* Intake badge — shows marital/asset context at top of General tab */
.gen-intake-badge {
  display: flex; align-items: center; gap: 8px; flex-wrap: wrap;
  background: #EFF6FF; border: 1.5px solid #BFDBFE;
  border-radius: 10px; padding: 10px 14px; font-size: 12px;
}
.gen-badge-item { font-weight: 600; color: var(--navy); }
.gen-badge-sep  { color: var(--muted); }
.gen-badge-edit {
  margin-left: auto; font-size: 11px; color: var(--blue);
  background: none; border: 1px solid var(--blue);
  border-radius: 6px; padding: 3px 10px; cursor: pointer;
  font-family: inherit; font-weight: 600;
}
.gen-badge-edit:hover { background: #DBEAFE; }

/* Panel card */
.gen-panel {
  background: var(--surface); border: 1.5px solid var(--border);
  border-radius: 14px; overflow: hidden;
}
.gen-panel-hdr {
  display: flex; align-items: center; gap: 12px;
  padding: 14px 18px; border-bottom: 1px solid var(--border);
}
.gen-panel-primary { background: var(--light-blue); }
.gen-panel-spouse  { background: #FFF7F0; border-bottom-color: #FED7AA; }
.gen-panel-spouse-wrap { border-color: #FED7AA; }

.gen-panel-icon  { font-size: 24px; }
.gen-panel-title { font-size: 15px; font-weight: 700; color: var(--navy); }
.gen-panel-sub   { font-size: 11px; color: var(--muted); margin-top: 1px; }
.gen-panel-body  { padding: 18px; }

/* ══════════════════════════════════════════════════════════════════
   PILL NAV — Desktop two-row / Mobile single scrollable row
   ══════════════════════════════════════════════════════════════════ */
.ff-desktop-only { display: flex; }
.ff-pill-mobile  { display: none; }
.ff-step-counter { display: none; }

@media (max-width: 700px) {
  /* Hide two-row desktop layout */
  .ff-desktop-only { display: none !important; }
  /* Show single scrollable row */
  .ff-pill-mobile {
    display: flex; gap: 6px; overflow-x: auto;
    padding-bottom: 4px; scroll-snap-type: x mandatory;
    -webkit-overflow-scrolling: touch;
    /* hide scrollbar but keep scrollable */
    scrollbar-width: none;
  }
  .ff-pill-mobile::-webkit-scrollbar { display: none; }
  .ff-pill-mobile .ff-pill { scroll-snap-align: start; flex-shrink: 0; }
  /* Show step counter */
  .ff-step-counter {
    display: block; font-size: 12px; color: var(--muted);
    text-align: center; margin-top: 6px; font-weight: 500;
  }
  /* Pills-wrap needs width for scroll containment */
  .ff-pills-wrap { align-items: stretch; width: 100%; }
  .ff-pills      { width: 100%; }
}

/* ══════════════════════════════════════════════════════════════════
   REVIEW PAGE — rv-grid utility + mobile fixes
   ══════════════════════════════════════════════════════════════════ */
.rv-grid-2 {
  display: grid; grid-template-columns: 1fr 1fr; gap: 8px;
}
.rv-grid-3 {
  display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 8px;
}

/* Mobile: review grids collapse to single column */
@media (max-width: 600px) {
  .rv-grid-2 { grid-template-columns: 1fr; }
  .rv-grid-3 { grid-template-columns: 1fr 1fr; }
  /* Review sections: ensure nothing overflows */
  .review-section { overflow: visible; }
  .review-sec-hdr {
    flex-wrap: wrap; gap: 6px;
    padding: 10px 12px;
  }
  .review-sec-title { font-size: 12px; }
  /* Review summary cards full width on tiny screens */
  .review-fval { word-break: break-word; }
}
@media (max-width: 400px) {
  .rv-grid-3 { grid-template-columns: 1fr; }
  .rv-grid-2 { grid-template-columns: 1fr; }
  /* Estate situation card — single col stacking */
  .review-section > div[style] { overflow-x: hidden; }
}

/* Pill row continuation indicator */
.ff-pill-row-cont {
  font-size: 10px; color: var(--muted); font-weight: 500;
  margin-left: 4px; opacity: 0.6; align-self: center; white-space: nowrap;
}

/* ══════════════════════════════════════════════════════════════════
   MOBILE — additional overflow / overlay fixes for Review page
   ══════════════════════════════════════════════════════════════════ */
@media (max-width: 600px) {
  /* Prevent any child with inline style from overflowing card */
  .ff-card-body > * { max-width: 100%; box-sizing: border-box; }
  /* Review summary cards — prevent text overflow */
  .review-section * { max-width: 100%; }
  /* Action buttons — stack vertically and full width */
  .action-btns { flex-direction: column; gap: 10px; }
  .action-btns button { width: 100%; }
  /* Gap analysis KPI cards — 2 per row */
  .gap-exec-kpis { grid-template-columns: 1fr 1fr !important; }
  /* Estate situation card text wrap */
  .estate-sit-card { word-break: break-word; }
  /* Done screen */
  .done-screen { padding: 40px 20px; }
  /* COL totals — single column */
  .col-totals { grid-template-columns: 1fr !important; }
}

/* ── Household Details panel ── */
.gen-panel-household      { background: #F0FDF4; border-bottom-color: #BBF7D0; }
.gen-panel-household-wrap { border-color: #BBF7D0; }

/* Kids row inside household panel — keeps num_kids field inline */
.gen-kids-row { margin-top: 4px; }
.gen-kids-row .ff-field { max-width: 200px; }

/* Intake badge — trust structure chip */
.gen-badge-trust { font-weight: 600; color: #166534; }

/* ══════════════════════════════════════════════════════════════════
   ESTATE PLANNING — sectioned layout
   ══════════════════════════════════════════════════════════════════ */
.ep-wrap { display: flex; flex-direction: column; gap: 14px; }

/* Section card */
.ep-section {
  background: var(--surface); border: 1.5px solid var(--border);
  border-radius: 14px; overflow: hidden;
}
.ep-section-hdr {
  display: flex; align-items: center; gap: 10px;
  padding: 12px 18px; border-bottom: 1px solid var(--border);
}
.ep-section-icon  { font-size: 20px; }
.ep-section-title { font-size: 14px; font-weight: 700; color: var(--navy); }

/* Section header colour bands */
.ep-hdr-wills    { background: #EFF6FF; border-bottom-color: #BFDBFE; }
.ep-hdr-trusts   { background: #F5F3FF; border-bottom-color: #DDD6FE; }
.ep-hdr-inherit  { background: #FFF7ED; border-bottom-color: #FED7AA; }
.ep-hdr-gifting  { background: #F0FDF4; border-bottom-color: #BBF7D0; }

.ep-section-body { padding: 16px 18px; display: flex; flex-direction: column; gap: 12px; }

/* Yes/No row layout */
.ep-yn-row {
  display: flex; align-items: center; justify-content: space-between;
  gap: 12px; padding: 10px 14px; background: var(--bg);
  border: 1px solid var(--border); border-radius: 10px;
}
.ep-yn-label {
  font-size: 13px; font-weight: 600; color: var(--navy);
  display: flex; flex-direction: column; gap: 2px;
}
.ep-yn-hint  { font-size: 11px; color: var(--muted); font-weight: 400; }
.ep-yesno    { flex-shrink: 0; }

/* Intake pre-fill note */
.ep-intake-note {
  font-size: 12px; color: #3730A3; background: #EEF2FF;
  border: 1px solid #C7D2FE; border-radius: 8px;
  padding: 8px 12px; line-height: 1.5;
}

/* Trust type chips */
.ep-trust-types { padding-top: 4px; }
.ep-trust-types-label {
  font-size: 11px; font-weight: 700; color: var(--muted);
  text-transform: uppercase; letter-spacing: .4px; margin-bottom: 10px;
}
.ep-trust-chips { display: flex; flex-wrap: wrap; gap: 8px; }
.ep-trust-chip {
  display: flex; flex-direction: column; align-items: center; gap: 3px;
  padding: 10px 14px; border-radius: 10px;
  border: 1.5px solid var(--border); background: var(--bg);
  cursor: pointer; transition: all .15s; font-family: inherit;
  min-width: 90px; text-align: center;
}
.ep-trust-chip:hover { border-color: #A5B4FC; background: #EEF2FF; }
.ep-trust-chip.selected {
  border-color: #6366F1; background: #EEF2FF;
  box-shadow: 0 0 0 3px rgba(99,102,241,.15);
}
.ep-tc-icon  { font-size: 14px; font-weight: 800; color: #6366F1; }
.ep-tc-label { font-size: 12px; font-weight: 700; color: var(--navy); }
.ep-tc-desc  { font-size: 10px; color: var(--muted); line-height: 1.3; }

/* Gifting sub-section */
.ep-gift-sub { background: #F8FAFC; border: 1px solid var(--border); border-radius: 10px; padding: 14px; }
.ep-gift-sub-title {
  font-size: 11px; font-weight: 700; color: var(--muted);
  text-transform: uppercase; letter-spacing: .4px; margin-bottom: 12px;
}
.ep-gift-divider { border: none; border-top: 1px dashed var(--border); margin: 4px 0; }

/* Lifetime exemption meter */
.ep-gift-meter { margin-top: 10px; }
.ep-gm-labels {
  display: flex; justify-content: space-between; flex-wrap: wrap;
  font-size: 12px; color: var(--navy); font-weight: 600; margin-bottom: 6px; gap: 4px;
}
.ep-gm-bar-wrap {
  height: 8px; background: #E2E8F0; border-radius: 4px; overflow: hidden;
}
.ep-gm-bar {
  height: 100%; border-radius: 4px; transition: width .4s ease;
}
.ep-gm-sub { font-size: 10px; color: var(--muted); margin-top: 5px; }

/* Annual exclusion note */
.ep-annual-note {
  font-size: 12px; padding: 8px 12px; border-radius: 8px;
  font-weight: 600; margin-top: 8px;
}
.ep-annual-note.ok   { background: #F0FDF4; color: #15803d; border: 1px solid #BBF7D0; }
.ep-annual-note.warn { background: #FFF7ED; color: #92400e; border: 1px solid #FED7AA; }

/* Mobile */
@media (max-width: 600px) {
  .ep-yn-row    { flex-direction: column; align-items: flex-start; gap: 8px; }
  .ep-trust-chips { gap: 6px; }
  .ep-trust-chip  { min-width: 76px; padding: 8px 10px; }
  .ep-section-body { padding: 12px 14px; }
  .ep-section-hdr  { padding: 10px 14px; }
}

/* ══════════════════════════════════════════════════════════════════
   REVIEW — Insight Strip (top of review page)
   ══════════════════════════════════════════════════════════════════ */
.rv-insights-wrap {
  margin-bottom: 24px;
  display: flex; flex-direction: column; gap: 14px;
}
.rv-insights-hdr {
  font-size: 11px; font-weight: 800; color: var(--navy);
  text-transform: uppercase; letter-spacing: .6px;
  padding: 0 2px 6px; border-bottom: 2px solid var(--gold);
  margin-bottom: 2px;
}

/* Individual insight card */
.rv-insight-card {
  background: var(--surface); border: 1.5px solid var(--border);
  border-radius: 14px; overflow: hidden;
}
.rv-insight-hdr {
  display: flex; align-items: center; gap: 10px;
  padding: 11px 16px; border-bottom: 1px solid var(--border);
  background: #F8FAFC;
}
.rv-insight-icon  { font-size: 18px; flex-shrink: 0; }
.rv-insight-title { font-size: 13px; font-weight: 700; color: var(--navy); flex: 1; }
.rv-insight-body  { padding: 14px 16px; }

/* Estate card — body is already fully styled, just needs padding reset */
.rv-estate-card .rv-insight-body > div { margin-top: 0 !important; }
.rv-estate-card .rv-insight-body > div > div:first-child {
  /* hide redundant "🏛️ Estate Situation" sub-label that's already in header */
  display: none;
}

/* Mobile */
@media (max-width: 600px) {
  .rv-insight-hdr  { padding: 10px 12px; }
  .rv-insight-body { padding: 12px; }
  .rv-insights-hdr { font-size: 10px; }
}

/* ══════════════════════════════════════════════════════════════════
   DOB SPLIT INPUT
   ══════════════════════════════════════════════════════════════════ */
.dob-wrap {
  display: flex; align-items: center; gap: 4px;
}
.dob-seg {
  border: 1.5px solid var(--border); border-radius: 8px;
  padding: 9px 0; text-align: center; font-size: 15px;
  font-family: inherit; background: var(--bg); color: var(--navy);
  font-weight: 600; transition: border-color .15s;
  -moz-appearance: textfield;
}
.dob-seg:focus { border-color: var(--blue); outline: none; background: #fff; }
.dob-seg::-webkit-inner-spin-button { display: none; }
.dob-mm, .dob-dd { width: 52px; }
.dob-yy { width: 72px; }
.dob-sep { font-size: 18px; color: var(--muted); font-weight: 300; margin: 0 1px; }

/* ══════════════════════════════════════════════════════════════════
   BONDS / CDs — basis auto note
   ══════════════════════════════════════════════════════════════════ */
.az-bonds-badge {
  font-size: 9px; font-weight: 700; color: #15803d;
  background: #DCFCE7; border-radius: 4px; padding: 1px 5px;
  text-transform: uppercase; letter-spacing: .3px; margin-left: 4px;
}
.az-bonds-basis-note {
  font-size: 11px; color: #15803d; padding: 6px 10px;
  background: #F0FDF4; border-radius: 7px; margin-top: 8px;
  border: 1px solid #BBF7D0; line-height: 1.5;
}
.az-bonds-basis-note.differ { color: #92400e; background: #FFF7ED; border-color: #FED7AA; }

/* ══════════════════════════════════════════════════════════════════
   MORTGAGE — rich entry grid
   ══════════════════════════════════════════════════════════════════ */
.az-mtg-grid { grid-template-columns: 1fr 1fr !important; }
.az-mortgage-note {
  font-size: 11px; color: #1A3A5C; background: #EFF6FF;
  border: 1px solid #BFDBFE; border-radius: 7px;
  padding: 7px 12px; margin-top: 10px; font-weight: 600;
}

@media (max-width: 600px) {
  .az-mtg-grid { grid-template-columns: 1fr !important; }
  .dob-mm, .dob-dd { width: 44px; }
  .dob-yy { width: 62px; }
}

/* ══════════════════════════════════════════════════════════════════
   CHILDREN — card layout matching primary / spouse panels
   ══════════════════════════════════════════════════════════════════ */
.child-section { margin-top: 4px; }
.child-card {
  border: 1.5px solid var(--border); border-radius: 10px;
  padding: 14px 16px; margin-top: 10px; background: var(--bg);
}
.child-card-label {
  font-size: 11px; font-weight: 700; color: var(--muted);
  text-transform: uppercase; letter-spacing: .5px; margin-bottom: 10px;
}
.child-card-fields {
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px;
}

/* DOB segments — consistent sizing everywhere */
.dob-mm, .dob-dd { width: 52px; }
.dob-yy           { width: 72px; }

@media (max-width: 600px) {
  .child-card-fields { grid-template-columns: 1fr; }
  .dob-mm, .dob-dd   { width: 48px; }
  .dob-yy             { width: 68px; }
}

/* ══════════════════════════════════════════════════════════════════
   REVIEW — Simulation Controls Bar
   ══════════════════════════════════════════════════════════════════ */
.rv-sim-bar {
  background: #F0F6FC; border: 1.5px solid #BFDBFE;
  border-radius: 12px; padding: 14px 18px; margin-bottom: 2px;
}
.rv-sim-label {
  font-size: 11px; font-weight: 800; color: var(--navy);
  text-transform: uppercase; letter-spacing: .5px; margin-bottom: 12px;
}
.rv-sim-controls {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px;
}
.rv-sim-item { display: flex; flex-direction: column; gap: 6px; }
.rv-sim-lbl  { font-size: 11px; font-weight: 600; color: #475569; }
.rv-sim-row  { display: flex; align-items: center; gap: 10px; }
.rv-sim-slider {
  flex: 1; -webkit-appearance: none; appearance: none;
  height: 5px; border-radius: 3px;
  background: linear-gradient(to right, var(--blue) 0%, #CBD5E1 0%);
  outline: none; cursor: pointer;
}
.rv-sim-slider::-webkit-slider-thumb {
  -webkit-appearance: none; width: 18px; height: 18px;
  border-radius: 50%; background: var(--blue);
  border: 2px solid #fff; box-shadow: 0 1px 4px rgba(0,0,0,.2);
  cursor: pointer;
}
.rv-sim-slider::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--blue); border: 2px solid #fff; cursor: pointer;
}
.rv-sim-val {
  font-size: 16px; font-weight: 800; color: var(--navy);
  min-width: 32px; text-align: right;
}
.rv-sim-note {
  font-size: 10px; color: #94a3b8; margin-top: 10px;
  text-align: center; font-style: italic;
}

@media (max-width: 600px) {
  .rv-sim-controls { grid-template-columns: 1fr; gap: 12px; }
  .rv-sim-bar { padding: 12px 14px; }
}

/* ══════════════════════════════════════════════════════════════════
   REVIEW — Collapsible sections & wrappers
   ══════════════════════════════════════════════════════════════════ */

/* Block header labels (Summary / Your Answers) */
.rv-block-hdr {
  font-size: 11px; font-weight: 800; color: var(--navy);
  text-transform: uppercase; letter-spacing: .6px;
  padding-bottom: 8px; border-bottom: 2px solid var(--border);
  margin-bottom: 12px;
}
.rv-block-hdr-secs {
  display: flex; align-items: center; justify-content: space-between;
  border-bottom-color: #BFDBFE;
}
.rv-summary-wrap  { margin-bottom: 20px; }
.rv-secs-wrap     { display: flex; flex-direction: column; gap: 6px; }

/* Expand / Collapse All buttons */
.rv-expand-btns { display: flex; gap: 6px; }
.rv-expand-btn {
  font-size: 11px; font-weight: 600; color: var(--blue);
  background: #EEF6FF; border: 1px solid #BFDBFE;
  border-radius: 6px; padding: 3px 10px; cursor: pointer;
  transition: background .15s;
}
.rv-expand-btn:hover { background: #DBEAFE; }

/* Collapsible section wrapper */
.rv-sec-wrap {
  border: 1.5px solid var(--border); border-radius: 12px;
  overflow: hidden; background: var(--surface);
  transition: border-color .15s;
}
.rv-sec-wrap.open { border-color: #BFDBFE; }

/* Section header row */
.rv-sec-hdr {
  display: flex; align-items: center; justify-content: space-between;
  padding: 12px 16px; background: #F8FAFC;
  border-bottom: 1px solid transparent; transition: background .15s;
  user-select: none;
}
.rv-sec-wrap.open .rv-sec-hdr {
  background: #EEF6FF; border-bottom-color: #BFDBFE;
}
.rv-sec-hdr:hover { background: #EEF6FF; }
.rv-sec-title {
  font-size: 13px; font-weight: 700; color: var(--navy); flex: 1;
}
.rv-sec-hdr-right {
  display: flex; align-items: center; gap: 8px;
}
.rv-chevron {
  font-size: 10px; color: var(--muted); width: 14px; text-align: center;
  transition: transform .2s;
}
.rv-sec-wrap.open .rv-chevron { transform: rotate(0deg); }

/* Collapsible body — hidden by default, visible when .open */
.rv-sec-body {
  max-height: 0; overflow: hidden;
  transition: max-height .25s ease, padding .2s ease;
  padding: 0 16px;
}
.rv-sec-wrap.open .rv-sec-body {
  max-height: 2000px;
  padding: 12px 16px;
}

/* Export mode — always open, no chrome */
.rv-sec-wrap.open.rv-export .rv-sec-hdr { cursor: default; }

@media (max-width: 600px) {
  .rv-sec-hdr  { padding: 10px 12px; }
  .rv-sec-body { padding: 0 12px; }
  .rv-sec-wrap.open .rv-sec-body { padding: 10px 12px; }
  .rv-block-hdr { font-size: 10px; }
  .rv-expand-btn { font-size: 10px; padding: 3px 8px; }
}

/* ══════════════════════════════════════════════════════════════════
   INCOME TAB — Waterfall Summary
   ══════════════════════════════════════════════════════════════════ */
.col-wf-row {
  display: flex; align-items: center; justify-content: space-between;
  padding: 10px 18px; border-bottom: 1px solid #f1f5f9;
}
.col-wf-top     { background: #EEF6FF; }
.col-wf-minus   { background: #fff; }
.col-wf-subtotal{ background: #F8FAFC; border-top: 1px solid #e2e8f0; }
.col-wf-aftertax{ background: #EEF6FF; }
.col-wf-final   { padding: 14px 18px; }
.col-wf-label   { font-size: 12px; font-weight: 600; color: #1e293b; display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.col-wf-val     { font-size: 15px; font-weight: 700; white-space: nowrap; }
.col-wf-op      { display: inline-flex; align-items: center; justify-content: center;
                  width: 18px; height: 18px; border-radius: 50%; background: #FECDD3;
                  color: #dc2626; font-size: 13px; font-weight: 800; flex-shrink: 0; }

/* Calc button next to tax fields */
.col-calc-btn {
  font-size: 11px; font-weight: 600; color: var(--blue);
  background: #EEF6FF; border: 1px solid #BFDBFE;
  border-radius: 6px; padding: 2px 8px; cursor: pointer;
  transition: background .15s; display: inline-flex; align-items: center; gap: 4px;
}
.col-calc-btn:hover { background: #DBEAFE; }

/* Tax source badges */
.col-tax-badge {
  font-size: 9px; font-weight: 700; text-transform: uppercase;
  letter-spacing: .4px; padding: 2px 6px; border-radius: 10px;
}
.col-tax-known { background: #D1FAE5; color: #15803d; }
.col-tax-est   { background: #FEF3C7; color: #92400e; }

@media (max-width: 600px) {
  .col-wf-row { padding: 9px 12px; flex-direction: column; align-items: flex-start; gap: 3px; }
  .col-wf-val { font-size: 14px; }
}

/* ══════════════════════════════════════════════════════════════════
   INCOME TAB — Calc icon button + tooltip
   ══════════════════════════════════════════════════════════════════ */
.col-calc-btn {
  display: inline-flex; align-items: center; gap: 3px;
  font-size: 11px; padding: 1px 7px; margin-left: 6px;
  background: #EEF6FF; color: #2E6DA4;
  border: 1px solid #BFDBFE; border-radius: 10px;
  cursor: pointer; vertical-align: middle;
  font-weight: 600; transition: background .15s;
}
.col-calc-btn:hover { background: #DBEAFE; }

.col-calc-tip {
  position: absolute; z-index: 200;
  background: #1e293b; color: #f8fafc;
  font-size: 11px; line-height: 1.5;
  padding: 8px 12px; border-radius: 8px;
  max-width: 280px; margin-top: 4px;
  box-shadow: 0 4px 16px rgba(0,0,0,.25);
  white-space: normal; pointer-events: none;
  animation: fadeIn .15s ease;
}

/* Waterfall row refinements */
.col-wf-row   { display:flex; align-items:center; justify-content:space-between; padding:10px 16px; }
.col-wf-top   { background:#EEF6FF; }
.col-wf-minus { background:#fff; }
.col-wf-subtotal { background:#F8FAFC; border-top:1px solid #e2e8f0; }
.col-wf-aftertax { background:#F0FDF4 !important; border-top:2px solid #BBF7D0 !important; }
.col-wf-final { padding:12px 16px; }
.col-wf-label { font-size:12px; font-weight:600; color:#475569; flex:1; }
.col-wf-val   { font-size:16px; font-weight:700; color:#1A3A5C; }
.col-wf-op    { display:inline-block; width:16px; color:#94a3b8; font-weight:700; }
.col-wf-note  { font-size:10px; color:#64748b; font-weight:400; margin-left:6px; }
.col-tax-badge {
  display:inline-block; font-size:9px; font-weight:700; padding:1px 7px;
  border-radius:10px; margin-left:6px; vertical-align:middle;
}
.col-tax-known { background:#D1FAE5; color:#065f46; }
.col-tax-est   { background:#FEF3C7; color:#92400e; }

/* ══════════════════════════════════════════════════════════════════
   INCOME TAB — Cashflow Summary (clean logical flow)
   ══════════════════════════════════════════════════════════════════ */

.col-summary-wrap {
  background: var(--surface);
  border: 1.5px solid #e2e8f0;
  border-radius: 14px;
  overflow: hidden;
}

/* Header */
.col-sum-hdr {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 20px;
  background: var(--navy);
  border-bottom: none;
}
.col-sum-title {
  font-size: 12px; font-weight: 800; color: #fff;
  text-transform: uppercase; letter-spacing: .6px;
}
.col-sum-badge {
  font-size: 11px; font-weight: 700;
  padding: 3px 12px; border-radius: 20px;
}
.col-sum-badge-pos { background: #BBF7D0; color: #14532D; }
.col-sum-badge-neg { background: #FECDD3; color: #7F1D1D; }

/* Income block */
.col-sum-block {
  padding: 14px 20px 10px;
  border-bottom: 1px solid #f1f5f9;
}
.col-sum-block-label {
  font-size: 10px; font-weight: 800; color: #94a3b8;
  text-transform: uppercase; letter-spacing: .5px;
  margin-bottom: 8px;
}
.col-sum-block-rows { display: flex; flex-direction: column; gap: 5px; }
.col-sum-row {
  display: flex; justify-content: space-between; align-items: center;
  font-size: 13px; color: #475569;
  padding: 4px 0;
}
.col-sum-amt { font-weight: 600; color: #1A3A5C; }

.col-sum-total {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 10px; padding-top: 10px;
  border-top: 1.5px solid #e2e8f0;
  font-size: 14px; font-weight: 700;
}
.col-sum-total-income { color: #1A3A5C; }

/* Connector lines with deduction chips */
.col-sum-connector {
  padding: 0 20px;
  display: flex; flex-direction: column; gap: 0;
}
.col-sum-connector-line {
  width: 2px; height: 10px; background: #CBD5E1;
  margin-left: 10px;
}
.col-sum-deduction {
  display: flex; align-items: flex-start; gap: 10px;
  background: #FFF7ED; border: 1px solid #FED7AA;
  border-radius: 9px; padding: 9px 13px;
  font-size: 12px; color: #92400e;
}
.col-sum-deduction-tax {
  background: #FEF2F2; border-color: #FECDD3; color: #991b1b;
}
.col-sum-deduction-col {
  background: #FFFBEB; border-color: #FDE68A; color: #92400e;
}
.col-sum-deduct-op {
  font-size: 16px; font-weight: 800; color: #dc2626;
  line-height: 1; flex-shrink: 0; margin-top: 1px;
}
.col-sum-deduct-amt {
  font-weight: 800; font-size: 13px; color: #dc2626;
  white-space: nowrap; margin-left: auto; padding-left: 12px;
}

/* Mid subtotal steps */
.col-sum-step {
  display: flex; justify-content: space-between; align-items: center;
  padding: 10px 20px;
  font-size: 13px; font-weight: 700; color: #1A3A5C;
  border-bottom: 1px solid #f1f5f9;
}
.col-sum-step-label { color: #475569; font-weight: 600; }
.col-sum-step-val { font-size: 16px; font-weight: 800; color: #1A3A5C; }

/* Final result row */
.col-sum-final {
  padding: 18px 20px; text-align: center;
}
.col-sum-final-pos { background: #F0FDF4; border-top: 2px solid #86EFAC; }
.col-sum-final-neg { background: #FFF1F2; border-top: 2px solid #FECDD3; }
.col-sum-final-label {
  font-size: 11px; font-weight: 800;
  text-transform: uppercase; letter-spacing: .5px;
  margin-bottom: 6px;
}
.col-sum-final-pos .col-sum-final-label { color: #15803d; }
.col-sum-final-neg .col-sum-final-label { color: #dc2626; }
.col-sum-final-val {
  font-size: 32px; font-weight: 900; line-height: 1;
  margin-bottom: 6px;
}
.col-sum-final-pos .col-sum-final-val { color: #15803d; }
.col-sum-final-neg .col-sum-final-val { color: #dc2626; }
.col-sum-final-sub {
  font-size: 11px; color: #64748b; font-style: italic;
}

@media (max-width: 600px) {
  .col-sum-hdr    { padding: 12px 14px; }
  .col-sum-block  { padding: 12px 14px 8px; }
  .col-sum-step   { padding: 9px 14px; }
  .col-sum-final  { padding: 14px; }
  .col-sum-final-val { font-size: 26px; }
  .col-sum-connector { padding: 0 14px; }
}

/* ══════════════════════════════════════════════════════════════
   KEY FINDINGS — clean client-facing action cards
   ══════════════════════════════════════════════════════════════ */

.kf-wrap {
  margin-bottom: 24px;
  font-family: inherit;
}

/* Header */
.kf-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 16px;
  gap: 12px;
}
.kf-header-title {
  font-size: 20px;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -.3px;
  line-height: 1.2;
}
.kf-header-sub {
  font-size: 13px;
  color: #64748b;
  margin-top: 3px;
}
.kf-sim-trigger {
  font-size: 11px;
  font-weight: 700;
  color: #2E6DA4;
  background: #EEF6FF;
  border: 1px solid #BFDBFE;
  border-radius: 20px;
  padding: 5px 12px;
  cursor: pointer;
  white-space: nowrap;
  flex-shrink: 0;
  transition: background .15s;
}
.kf-sim-trigger:hover { background: #DBEAFE; }

/* Quick status dots */
.kf-score-strip {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 10px 14px;
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: 10px;
  margin-bottom: 16px;
}
.kf-score-dot { font-size: 16px; cursor: default; }
.kf-score-label {
  margin-left: 6px;
  font-size: 12px;
  font-weight: 700;
  color: #475569;
}

/* Cards container */
.kf-cards {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

/* Individual finding card */
.kf-card {
  display: flex;
  gap: 0;
  border-radius: 12px;
  overflow: hidden;
  border: 1.5px solid #E2E8F0;
}

/* Left status column */
.kf-card-left {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 14px 0 14px 14px;
  gap: 0;
  flex-shrink: 0;
}
.kf-dot {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 11px;
  font-weight: 900;
  flex-shrink: 0;
}
.kf-dot-line {
  width: 2px;
  flex: 1;
  min-height: 8px;
  margin-top: 4px;
  border-radius: 1px;
  opacity: .3;
}

/* Right content column */
.kf-card-right {
  flex: 1;
  padding: 14px 16px 14px 12px;
}
.kf-icon-row {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 5px;
}
.kf-icon { font-size: 17px; flex-shrink: 0; }
.kf-headline {
  font-size: 14px;
  font-weight: 700;
  line-height: 1.3;
  flex: 1;
}
.kf-detail {
  font-size: 13px;
  color: #374151;
  line-height: 1.6;
  margin-bottom: 10px;
}
.kf-action-btn {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 12px;
  font-weight: 700;
  color: #1A3A5C;
  background: rgba(255,255,255,0.75);
  border: 1.5px solid rgba(0,0,0,.12);
  border-radius: 20px;
  padding: 5px 14px;
  cursor: pointer;
  transition: background .15s, border-color .15s;
}
.kf-action-btn:hover {
  background: rgba(255,255,255,1);
  border-color: rgba(0,0,0,.25);
}

/* Footer */
.kf-footer {
  margin-top: 14px;
  padding: 12px 16px;
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: 10px;
  font-size: 11px;
  color: #64748b;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}
.kf-gap-btn {
  font-size: 12px;
  font-weight: 700;
  color: #1A3A5C;
  background: #EEF6FF;
  border: 1.5px solid #BFDBFE;
  border-radius: 20px;
  padding: 6px 14px;
  cursor: pointer;
  white-space: nowrap;
  transition: background .15s;
}
.kf-gap-btn:hover { background: #DBEAFE; }

@media (max-width: 600px) {
  .kf-header-title { font-size: 17px; }
  .kf-card-left { padding: 12px 0 12px 10px; }
  .kf-card-right { padding: 12px 12px 12px 10px; }
  .kf-headline { font-size: 13px; }
  .kf-detail { font-size: 12px; }
  .kf-footer { flex-direction: column; align-items: flex-start; gap: 8px; }
}

/* ══════════════════════════════════════════════════════════════
   FINANCIAL SUMMARY — dashboard layout
   ══════════════════════════════════════════════════════════════ */

.fs-wrap {
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-family: inherit;
}

/* ── Net Worth bar ── */
.fs-networth-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 18px;
  background: #fff;
  border: 1.5px solid #E2E8F0;
  border-radius: 14px;
  gap: 12px;
  flex-wrap: wrap;
}
.fs-networth-left  { display: flex; align-items: baseline; gap: 10px; }
.fs-networth-label { font-size: 12px; font-weight: 700; color: #64748b; text-transform: uppercase; letter-spacing: .5px; }
.fs-networth-val   { font-size: 26px; font-weight: 900; letter-spacing: -.5px; }
.fs-pos { color: #15803d; }
.fs-neg { color: #dc2626; }
.fs-networth-right { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; }
.fs-networth-pill  { font-size: 12px; font-weight: 600; background: #F8FAFC; border: 1px solid #E2E8F0; border-radius: 20px; padding: 4px 12px; }

/* ── Two panels ── */
.fs-panels {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.fs-panel {
  background: #fff;
  border: 1.5px solid #E2E8F0;
  border-radius: 14px;
  overflow: hidden;
}
.fs-panel-assets { border-color: #BFDBFE; }
.fs-panel-liab   { border-color: #FED7AA; }

.fs-panel-hdr {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px 10px;
  border-bottom: 1px solid #F1F5F9;
}
.fs-panel-icon {
  width: 36px; height: 36px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 16px; flex-shrink: 0;
}
.fs-icon-assets { background: #EEF6FF; }
.fs-icon-liab   { background: #FFF7ED; }
.fs-panel-title { font-size: 11px; font-weight: 700; color: #64748b; text-transform: uppercase; letter-spacing: .4px; }
.fs-panel-total { font-size: 20px; font-weight: 800; color: #1A3A5C; letter-spacing: -.3px; margin-top: 1px; }
.fs-panel-liab .fs-panel-total { color: #B45309; }

.fs-panel-body {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 14px 14px;
}
.fs-chart-area { flex-shrink: 0; }
.fs-line-items { flex: 1; display: flex; flex-direction: column; gap: 5px; min-width: 0; }

.fs-line-item {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 12px;
  min-width: 0;
}
.fs-dot {
  width: 9px; height: 9px; border-radius: 50%; flex-shrink: 0;
}
.fs-line-label { flex: 1; color: #475569; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.fs-line-val   { font-weight: 700; color: #1A3A5C; white-space: nowrap; }

/* ── Cashflow row ── */
.fs-cashflow-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.fs-cf-card {
  background: #fff;
  border: 1.5px solid #E2E8F0;
  border-radius: 14px;
  padding: 14px 16px;
}
.fs-cf-hdr {
  display: flex;
  align-items: center;
  gap: 7px;
  margin-bottom: 6px;
}
.fs-cf-arrow { font-size: 11px; font-weight: 900; }
.fs-cf-up    { color: #16a34a; }
.fs-cf-dn    { color: #dc2626; }
.fs-cf-label { font-size: 12px; font-weight: 700; color: #475569; text-transform: uppercase; letter-spacing: .4px; flex: 1; }
.fs-cf-amount { font-size: 22px; font-weight: 900; color: #1A3A5C; letter-spacing: -.3px; margin-bottom: 8px; }
.fs-cf-empty  { color: #94a3b8; font-size: 15px; font-weight: 600; }

.fs-bar-track { height: 7px; background: #F1F5F9; border-radius: 4px; overflow: hidden; margin-bottom: 7px; }
.fs-bar-fill  { height: 100%; border-radius: 4px; transition: width .5s ease; }

.fs-cf-sub     { font-size: 11px; color: #64748b; }
.fs-cf-surplus { color: #15803d; }
.fs-cf-deficit { color: #dc2626; }

.fs-edit-btn {
  font-size: 11px; font-weight: 700; color: #2E6DA4;
  background: #EEF6FF; border: 1px solid #BFDBFE;
  border-radius: 12px; padding: 3px 10px; cursor: pointer;
  transition: background .15s; white-space: nowrap;
}
.fs-edit-btn:hover { background: #DBEAFE; }

/* Mobile: stack to 1 col */
@media (max-width: 640px) {
  .fs-panels, .fs-cashflow-row { grid-template-columns: 1fr; }
  .fs-networth-val { font-size: 22px; }
  .fs-panel-body { gap: 8px; }
  .fs-chart-area svg { width: 70px; height: 70px; }
}

/* ══════════════════════════════════════════════════════════════════
   SIDEBAR NAVIGATION — professional left-rail layout
   ══════════════════════════════════════════════════════════════════ */

/* ── Page shell ── */
.ff-page {
  display: flex;
  min-height: 100vh;
  background: var(--bg);
}

/* ── Sidebar ── */
.ff-sidebar {
  width: 230px;
  min-width: 230px;
  background: #0F2540;
  display: flex;
  flex-direction: column;
  position: fixed;
  top: 0;
  left: 0;
  bottom: 0;
  z-index: 200;
  overflow-y: auto;
  overflow-x: hidden;
  scrollbar-width: none;
  transition: transform .28s cubic-bezier(.4,0,.2,1);
}
.ff-sidebar::-webkit-scrollbar { display: none; }

/* ── Branding ── */
.ff-sb-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 20px 18px 16px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  flex-shrink: 0;
}
.ff-sb-logo-mark {
  width: 34px; height: 34px;
  background: linear-gradient(135deg, #C8A84B, #e8c96b);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 16px; font-weight: 900; color: #1A3A5C;
  flex-shrink: 0;
}
.ff-sb-brand-text { display: flex; flex-direction: column; }
.ff-sb-brand-name {
  font-size: 13px; font-weight: 700; color: #fff;
  letter-spacing: .2px; line-height: 1.2;
}
.ff-sb-brand-sub { font-size: 10px; color: rgba(255,255,255,0.45); }

/* ── Progress ring ── */
.ff-sb-progress {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 18px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  flex-shrink: 0;
}
.ff-sb-ring { width: 44px; height: 44px; flex-shrink: 0; }
.ff-sb-progress-inner {
  display: flex; flex-direction: column;
}
.ff-sb-progress-inner span:first-child {
  font-size: 18px; font-weight: 800; color: #C8A84B; line-height: 1;
}
.ff-sb-progress-label {
  font-size: 10px; color: rgba(255,255,255,0.4);
  text-transform: uppercase; letter-spacing: .5px;
}

/* ── Nav ── */
.ff-sb-nav {
  flex: 1;
  padding: 12px 0;
  overflow-y: auto;
  scrollbar-width: none;
}
.ff-sb-nav::-webkit-scrollbar { display: none; }

.ff-sb-group { margin-bottom: 6px; }
.ff-sb-group-label {
  font-size: 9px;
  font-weight: 700;
  color: rgba(255,255,255,0.45);
  text-transform: uppercase;
  letter-spacing: .8px;
  padding: 10px 18px 4px;
}

/* ── Nav items ── */
.ff-sb-item {
  display: flex;
  align-items: center;
  gap: 10px;
  width: 100%;
  padding: 9px 18px;
  background: none;
  border: none;
  color: rgba(255,255,255,0.75);
  font-size: 13px;
  font-family: inherit;
  font-weight: 500;
  cursor: pointer;
  text-align: left;
  transition: background .15s, color .15s;
  position: relative;
}
.ff-sb-item:hover {
  background: rgba(255,255,255,0.10);
  color: #ffffff;
  font-weight: 600;
}
.ff-sb-item.done {
  color: rgba(255,255,255,0.65);
}
.ff-sb-item.done:hover {
  color: #ffffff;
}
.ff-sb-item.done .ff-sb-item-icon {
  color: #4ade80;
  font-size: 11px;
  font-weight: 800;
}
.ff-sb-item.active {
  background: rgba(200,168,75,0.12);
  color: #fff;
  font-weight: 700;
}
.ff-sb-item-icon {
  font-size: 15px;
  width: 20px;
  text-align: center;
  flex-shrink: 0;
}
.ff-sb-item-label { flex: 1; }

/* Active indicator pip */
.ff-sb-item-pip {
  position: absolute;
  right: 0; top: 50%;
  transform: translateY(-50%);
  width: 3px; height: 22px;
  background: #C8A84B;
  border-radius: 3px 0 0 3px;
}

/* ── Bottom actions ── */
.ff-sb-actions {
  padding: 12px 14px 20px;
  border-top: 1px solid rgba(255,255,255,0.07);
  display: flex;
  flex-direction: column;
  gap: 6px;
  flex-shrink: 0;
}
.ff-sb-autosave {
  font-size: 10px;
  color: #C8A84B;
  font-weight: 600;
  min-height: 14px;
  text-align: center;
}
.ff-sb-btn {
  width: 100%;
  padding: 8px 12px;
  border-radius: 8px;
  font-size: 12px;
  font-weight: 600;
  font-family: inherit;
  cursor: pointer;
  border: none;
  transition: opacity .15s;
}
.ff-sb-btn:hover { opacity: .85; }
.ff-sb-btn-save {
  background: rgba(255,255,255,0.1);
  color: #fff;
  border: 1px solid rgba(255,255,255,0.15);
}
.ff-sb-btn-clear {
  background: rgba(220,38,38,0.12);
  color: #fca5a5;
  border: 1px solid rgba(220,38,38,0.2);
}

/* ── Main content area ── */
.ff-main {
  margin-left: 230px;
  flex: 1;
  padding: 0;
  min-width: 0;
  overflow-x: hidden;
}
.ff-main-no-sidebar { margin-left: 0; }

/* ── Mobile topbar (hidden on desktop) ── */
.ff-topbar-mobile {
  display: none;
  position: fixed;
  top: 0; left: 0; right: 0;
  height: 52px;
  background: #1A3A5C;
  z-index: 150;
  align-items: center;
  padding: 0 14px;
  gap: 12px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.25);
}
.ff-hamburger {
  background: none; border: none; cursor: pointer;
  display: flex; flex-direction: column; gap: 5px; padding: 4px;
}
.ff-hamburger span {
  display: block; width: 22px; height: 2px;
  background: rgba(255,255,255,0.8); border-radius: 2px;
  transition: transform .2s, opacity .2s;
}
.ff-mb-brand { display: flex; align-items: center; gap: 8px; flex: 1; }
.ff-mb-progress {
  display: flex; align-items: center; gap: 8px;
}
.ff-mb-bar {
  width: 80px; height: 4px;
  background: rgba(255,255,255,0.15); border-radius: 2px;
  overflow: hidden;
}

/* ── Overlay (mobile) ── */
.ff-sb-overlay {
  display: none;
  position: fixed; inset: 0;
  background: rgba(0,0,0,0.5);
  z-index: 190;
  backdrop-filter: blur(2px);
}
.ff-sb-overlay.open { display: block; }

/* ── Mobile responsive ── */
@media (max-width: 900px) {
  .ff-sidebar {
    transform: translateX(-100%);
    width: 240px;
  }
  .ff-sidebar.open { transform: translateX(0); }

  .ff-topbar-mobile { display: flex; }

  .ff-main {
    margin-left: 0;
    padding: 72px 0 0;
  }

  /* Hide old topbar elements that might be leftover */
  .ff-topbar { display: none !important; }
}

/* ── Hide old layout elements (ff-pills-wrap etc hidden) ── */
.ff-pills-wrap { display: none !important; }
.ff-progress-bar { display: none !important; }

/* ── Resume banner: sits above main content ── */
.resume-banner {
  position: fixed;
  bottom: 20px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 300;
  background: #fff;
  border: 1.5px solid #BFDBFE;
  border-radius: 12px;
  padding: 12px 20px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.15);
  white-space: nowrap;
  flex-wrap: wrap;
  justify-content: center;
}

/* ══════════════════════════════════════════════════════════════════
   ADVISOR REPORT — Review Tab styled like the financial analysis template
   ══════════════════════════════════════════════════════════════════ */

.ar-report {
  font-family: 'Inter', sans-serif;
  color: #1e293b;
  line-height: 1.6;
}

/* ── Report header ── */
.ar-report-hdr {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  padding: 20px 24px;
  background: linear-gradient(135deg, #0F2540 0%, #1A3A5C 100%);
  border-radius: 14px;
  margin-bottom: 20px;
  gap: 16px;
}
.ar-report-title {
  font-family: 'Playfair Display', serif;
  font-size: 20px;
  font-weight: 700;
  color: #fff;
  margin-bottom: 4px;
}
.ar-report-client {
  font-size: 14px;
  color: #C8A84B;
  font-weight: 600;
}
.ar-report-date {
  font-size: 11px;
  color: rgba(255,255,255,0.5);
  margin-top: 2px;
}
.ar-assumptions-btn {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.8);
  border-radius: 8px;
  padding: 7px 14px;
  font-size: 12px;
  font-weight: 600;
  cursor: pointer;
  font-family: inherit;
  white-space: nowrap;
  transition: background .15s;
}
.ar-assumptions-btn:hover { background: rgba(255,255,255,0.18); }

/* ── Intro text ── */
.ar-intro-text {
  font-size: 13px;
  color: #475569;
  line-height: 1.7;
  margin: 0 0 20px 0;
  padding: 14px 18px;
  background: #F8FBFF;
  border-left: 4px solid #C8A84B;
  border-radius: 0 8px 8px 0;
}

/* ── Section wrapper ── */
.ar-section {
  margin-bottom: 24px;
}
.ar-section-hdr {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid #E2E8F0;
}
.ar-section-num {
  font-size: 18px;
  line-height: 1;
}
.ar-section-title {
  font-family: 'Playfair Display', serif;
  font-size: 17px;
  font-weight: 700;
  color: #1A3A5C;
  flex: 1;
}
.ar-section-date {
  font-size: 11px;
  color: #94a3b8;
  font-weight: 500;
}

/* ── Snapshot grid ── */
.ar-snap-grid {
  border: 1.5px solid #E2E8F0;
  border-radius: 12px;
  overflow: hidden;
}
.ar-snap-row {
  display: flex;
  align-items: baseline;
  padding: 10px 16px;
  border-bottom: 1px solid #F1F5F9;
  gap: 12px;
}
.ar-snap-row:last-child { border-bottom: none; }
.ar-snap-highlight {
  background: #F8FBFF;
}
.ar-snap-label {
  font-size: 12px;
  font-weight: 600;
  color: #475569;
  min-width: 200px;
  flex-shrink: 0;
}
.ar-snap-val {
  font-size: 14px;
  font-weight: 700;
  color: #1A3A5C;
  flex: 1;
  display: flex;
  align-items: baseline;
  gap: 8px;
  flex-wrap: wrap;
}
.ar-snap-sub {
  font-size: 11px;
  color: #64748b;
  font-weight: 400;
}

/* ── Key findings ── */
.ar-findings {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.ar-finding {
  border-radius: 10px;
  padding: 16px 18px;
}
.ar-finding-hdr {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 8px;
}
.ar-finding-num {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 1px;
}
.ar-finding-headline {
  font-size: 14px;
  font-weight: 700;
  line-height: 1.4;
  flex: 1;
}
.ar-finding-body {
  font-size: 13px;
  color: #475569;
  line-height: 1.6;
  margin-left: 38px;
}
.ar-finding-list {
  margin: 8px 0 6px 38px;
  padding-left: 16px;
  font-size: 12px;
  color: #475569;
  line-height: 1.7;
}
.ar-finding-action {
  margin: 10px 0 0 38px;
  background: rgba(26,58,92,0.08);
  border: 1px solid rgba(26,58,92,0.15);
  color: #1A3A5C;
  border-radius: 6px;
  padding: 5px 12px;
  font-size: 11px;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  transition: background .15s;
}
.ar-finding-action:hover { background: rgba(26,58,92,0.14); }

/* ── Future Income Table ── */
.ar-income-table {
  border: 1.5px solid #E2E8F0;
  border-radius: 12px;
  overflow: hidden;
  font-size: 13px;
}
.ar-inc-row {
  display: grid;
  grid-template-columns: 1fr auto auto;
  gap: 12px;
  padding: 10px 16px;
  border-bottom: 1px solid #F1F5F9;
  align-items: center;
}
.ar-inc-row:last-child { border-bottom: none; }
.ar-inc-hdr {
  background: #1A3A5C;
  color: #fff;
  font-weight: 700;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: .4px;
}
.ar-inc-hdr .ar-inc-source,
.ar-inc-hdr .ar-inc-amt,
.ar-inc-hdr .ar-inc-note { color: #C8A84B; }
.ar-inc-source { color: #334155; font-weight: 600; }
.ar-inc-amt { font-weight: 700; color: #1A3A5C; text-align: right; min-width: 100px; }
.ar-inc-draw { color: #dc2626; }
.ar-inc-note { font-size: 11px; color: #64748b; min-width: 140px; text-align: right; }
.ar-inc-empty { background: #FFFBEB; }
.ar-inc-empty .ar-inc-source { color: #92400e; }
.ar-inc-empty .ar-inc-amt { color: #b45309; }
.ar-inc-divider { background: #F8FAFC; border-top: 2px solid #E2E8F0; }
.ar-inc-shortfall { background: #FFF1F2; }
.ar-inc-shortfall .ar-inc-source { color: #991b1b; font-weight: 700; }
.ar-inc-shortfall .ar-inc-amt { color: #dc2626; font-size: 15px; }
.ar-inc-surplus { background: #F0FDF4; }
.ar-inc-surplus .ar-inc-source { color: #14532d; font-weight: 700; }
.ar-inc-link {
  background: none; border: none;
  color: #2563eb; font-size: 11px;
  cursor: pointer; font-family: inherit;
  text-decoration: underline;
  padding: 0;
}

/* ── Action Plan ── */
.ar-actions {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.ar-action-item {
  border: 1.5px solid #E2E8F0;
  border-radius: 12px;
  overflow: hidden;
}
.ar-action-hdr {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: #F8FBFF;
  border-bottom: 1px solid #E2E8F0;
}
.ar-action-num {
  width: 28px; height: 28px;
  background: #1A3A5C;
  color: #C8A84B;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 800;
  flex-shrink: 0;
}
.ar-action-title {
  font-size: 14px;
  font-weight: 700;
  color: #1A3A5C;
  flex: 1;
  text-decoration: underline;
  text-decoration-color: #C8A84B;
  text-underline-offset: 3px;
}
.ar-action-edit {
  background: none;
  border: 1px solid #CBD5E1;
  color: #475569;
  border-radius: 6px;
  padding: 4px 12px;
  font-size: 11px;
  font-weight: 600;
  cursor: pointer;
  font-family: inherit;
  transition: all .15s;
}
.ar-action-edit:hover { border-color: #1A3A5C; color: #1A3A5C; }
.ar-action-list {
  margin: 0;
  padding: 14px 20px 14px 32px;
  font-size: 13px;
  color: #475569;
  line-height: 1.8;
  list-style: disc;
}
.ar-action-list li::marker { color: #C8A84B; }

/* ── Disclaimer ── */
.ar-disclaimer {
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-radius: 8px;
  padding: 12px 16px;
  font-size: 11px;
  color: #64748b;
  line-height: 1.6;
  margin-bottom: 16px;
}
.ar-disclaimer strong { color: #1A3A5C; }

/* ── Gap CTA ── */
.ar-gap-cta {
  text-align: center;
  padding: 6px 0 8px;
}
.ar-gap-btn {
  background: linear-gradient(135deg, #1A3A5C, #2E6DA4);
  color: #fff;
  border: none;
  border-radius: 10px;
  padding: 13px 28px;
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  transition: opacity .15s;
}
.ar-gap-btn:hover { opacity: .88; }

/* ── Mobile ── */
@media (max-width: 700px) {
  .ar-report-hdr { flex-direction: column; gap: 10px; }
  .ar-snap-label { min-width: 140px; }
  .ar-inc-row { grid-template-columns: 1fr auto; }
  .ar-inc-note { display: none; }
  .ar-finding-body, .ar-finding-list, .ar-finding-action { margin-left: 16px; }
}

/* ── Advisor CTA block (replaces gap analysis button) ── */
.ar-advisor-cta {
  display: flex;
  align-items: center;
  gap: 16px;
  background: linear-gradient(135deg, #F8FBFF, #EEF6FF);
  border: 1.5px solid #BFDBFE;
  border-radius: 14px;
  padding: 18px 20px;
  flex-wrap: wrap;
}
.ar-advisor-cta-icon {
  font-size: 28px;
  flex-shrink: 0;
}
.ar-advisor-cta-text {
  flex: 1;
  font-size: 13px;
  color: #334155;
  line-height: 1.6;
  min-width: 200px;
}
.ar-advisor-cta-text strong {
  color: #1A3A5C;
  font-size: 14px;
}

/* ══════════════════════════════════════════════════════════════════
   REVIEW TAB v2 — clean client + advisor shared view
   ══════════════════════════════════════════════════════════════════ */

.rv2-wrap {
  font-family: 'Inter', sans-serif;
  color: #1e293b;
  padding: 0 0 8px 0;
}

/* ── Header ── */
.rv2-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  padding: 20px 24px 18px;
  background: linear-gradient(135deg, #0F2540 0%, #1A3A5C 100%);
  border-radius: 14px 14px 0 0;
  gap: 16px;
}
.rv2-header-name {
  font-size: 20px;
  font-weight: 700;
  color: #fff;
  letter-spacing: -.3px;
}
.rv2-header-sub {
  font-size: 12px;
  color: rgba(255,255,255,.5);
  margin-top: 3px;
}
.rv2-assum-btn {
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  color: rgba(255,255,255,.8);
  border-radius: 8px;
  padding: 7px 14px;
  font-size: 12px;
  font-weight: 600;
  cursor: pointer;
  font-family: inherit;
  white-space: nowrap;
  flex-shrink: 0;
  transition: background .15s;
}
.rv2-assum-btn:hover { background: rgba(255,255,255,.18); }

/* ── 4 big numbers ── */
.rv2-bignums {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-left: 1px solid #E2E8F0;
  border-right: 1px solid #E2E8F0;
  background: #fff;
}
.rv2-bignum {
  padding: 18px 20px 16px;
  border-right: 1px solid #E2E8F0;
  border-bottom: 3px solid #E2E8F0;
}
.rv2-bignum:last-child { border-right: none; }
.rv2-bignum-val {
  font-size: 22px;
  font-weight: 800;
  letter-spacing: -.5px;
  line-height: 1.1;
}
.rv2-bignum-label {
  font-size: 11px;
  font-weight: 700;
  color: #64748b;
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-top: 5px;
}
.rv2-bignum-sub {
  font-size: 11px;
  color: #94a3b8;
  margin-top: 2px;
}

/* ── Status bar ── */
.rv2-statusbar {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 11px 20px;
  border-left: 1px solid;
  border-right: 1px solid;
  border-bottom: 1px solid;
  margin-bottom: 20px;
}
.rv2-statusbar-dots {
  display: flex;
  gap: 5px;
  flex-shrink: 0;
}
.rv2-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  display: inline-block;
}
.rv2-statusbar-msg {
  font-size: 13px;
  font-weight: 600;
}

/* ── Signals section header ── */
.rv2-signals-hdr {
  display: flex;
  align-items: baseline;
  gap: 10px;
  margin-bottom: 12px;
  padding: 0 2px;
}
.rv2-signals-title {
  font-size: 15px;
  font-weight: 700;
  color: #1A3A5C;
}
.rv2-signals-sub {
  font-size: 12px;
  color: #94a3b8;
}

/* ── Signal cards ── */
.rv2-signals {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 24px;
}
.rv2-signal {
  border-radius: 10px;
  padding: 14px 16px 12px;
}
.rv2-signal-hdr {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 6px;
}
.rv2-signal-icon {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 16px;
  flex-shrink: 0;
}
.rv2-signal-title {
  font-size: 14px;
  font-weight: 700;
  color: #1e293b;
  flex: 1;
}
.rv2-signal-tag {
  font-size: 10px;
  font-weight: 700;
  padding: 3px 9px;
  border-radius: 20px;
  white-space: nowrap;
  flex-shrink: 0;
}
.rv2-signal-num {
  font-size: 26px;
  font-weight: 800;
  letter-spacing: -.5px;
  line-height: 1;
  margin: 4px 0 8px 42px;
}
.rv2-signal-suffix {
  font-size: 14px;
  font-weight: 500;
  opacity: .7;
  margin-left: 2px;
}
.rv2-signal-body {
  font-size: 13px;
  color: #475569;
  line-height: 1.65;
  margin-left: 42px;
}
.rv2-signal-body strong { color: #1e293b; }
.rv2-edit-link {
  display: inline-block;
  margin: 8px 0 0 42px;
  background: none;
  border: none;
  color: #2563eb;
  font-size: 12px;
  font-weight: 600;
  cursor: pointer;
  font-family: inherit;
  padding: 0;
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* ── CTA ── */
.rv2-cta {
  display: flex;
  align-items: center;
  gap: 16px;
  background: linear-gradient(135deg, #1A3A5C, #1A3A5C);
  border-radius: 12px;
  padding: 18px 20px;
  margin-bottom: 14px;
  flex-wrap: wrap;
}
.rv2-cta-icon {
  font-size: 28px;
  flex-shrink: 0;
}
.rv2-cta-text {
  flex: 1;
  font-size: 13px;
  color: rgba(255,255,255,.8);
  line-height: 1.6;
  min-width: 180px;
}
.rv2-cta-text strong {
  display: block;
  font-size: 15px;
  color: #fff;
  margin-bottom: 3px;
}
.rv2-cta-btn {
  background: #C8A84B;
  color: #1A3A5C;
  border: none;
  border-radius: 9px;
  padding: 12px 22px;
  font-size: 14px;
  font-weight: 800;
  cursor: pointer;
  font-family: inherit;
  white-space: nowrap;
  flex-shrink: 0;
  transition: opacity .15s;
}
.rv2-cta-btn:hover { opacity: .88; }

/* ── Disclaimer ── */
.rv2-disclaimer {
  font-size: 11px;
  color: #94a3b8;
  line-height: 1.6;
  padding: 10px 4px;
  border-top: 1px solid #F1F5F9;
}

/* ── Your Answers section below ── */
.rv2-wrap + .rv-secs-wrap,
.rv2-wrap ~ .rv-secs-wrap {
  margin-top: 20px;
}

/* ── Mobile ── */
@media (max-width: 700px) {
  .rv2-bignums { grid-template-columns: 1fr 1fr; }
  .rv2-signal-num, .rv2-signal-body, .rv2-edit-link { margin-left: 0; }
  .rv2-header { border-radius: 10px 10px 0 0; }
  .rv2-cta { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 480px) {
  .rv2-bignums { grid-template-columns: 1fr; }
  .rv2-bignum { border-right: none; }
}

/* Portfolio signal bullet list */
.rv2-portfolio-list {
  margin: 4px 0 0 0;
  padding-left: 18px;
  font-size: 13px;
  color: #475569;
  line-height: 1.75;
  list-style: disc;
}
.rv2-portfolio-list li { margin-bottom: 4px; }
.rv2-portfolio-list li:last-child { margin-bottom: 0; }
.rv2-portfolio-list strong { color: #1e293b; }

/* ══════════════════════════════════════════════════════════════════
   GAP ANALYSIS — dashboard + tabs redesign
   ══════════════════════════════════════════════════════════════════ */

.ga-wrap { font-family:'Inter',sans-serif; color:#1e293b; }

/* ── Page header ── */
.ga-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 24px;
  background: linear-gradient(135deg, #0F2540 0%, #1A3A5C 100%);
  border-radius: 14px 14px 0 0;
  gap: 12px;
  flex-wrap: wrap;
}
.ga-header-title {
  font-size: 18px; font-weight: 700; color: #fff; letter-spacing: -.3px;
}
.ga-header-client {
  font-size: 12px; color: #C8A84B; font-weight: 600; margin-top: 2px;
}
.ga-pdf-btn {
  background: #C8A84B; color: #1A3A5C; border: none;
  border-radius: 8px; padding: 9px 18px; font-size: 12px;
  font-weight: 800; cursor: pointer; font-family: inherit;
  white-space: nowrap; transition: opacity .15s;
}
.ga-pdf-btn:hover { opacity: .88; }

/* ── Assumption bar ── */
.ga-assum-bar {
  background: #F8FAFC;
  border: 1px solid #E2E8F0;
  border-top: none;
  padding: 14px 20px;
  margin-bottom: 18px;
}
.ga-assum-bar-label {
  font-size: 10px; font-weight: 700; color: #94a3b8;
  text-transform: uppercase; letter-spacing: .5px; margin-bottom: 10px;
}
.ga-assum-fields {
  display: flex; flex-wrap: wrap; gap: 10px;
}
.ga-assum-field {
  display: flex; flex-direction: column; gap: 4px; min-width: 100px;
}
.ga-assum-label {
  font-size: 10px; font-weight: 600; color: #64748b;
  white-space: nowrap;
}
.ga-assum-input-wrap {
  display: flex; align-items: center; gap: 4px;
  background: #fff; border: 1.5px solid #CBD5E1;
  border-radius: 7px; padding: 0 8px;
  transition: border-color .15s;
}
.ga-assum-input-wrap:focus-within { border-color: #1A3A5C; }
.ga-assum-input {
  border: none; outline: none; background: none;
  font-size: 13px; font-weight: 700; color: #1A3A5C;
  width: 70px; padding: 6px 0; font-family: inherit;
}
.ga-assum-unit {
  font-size: 11px; color: #94a3b8; font-weight: 600;
}

/* ── KPI Dashboard ── */
.ga-dashboard {
  display: grid;
  grid-template-columns: repeat(5,1fr);
  gap: 10px;
  margin-bottom: 14px;
}
.ga-tile {
  border: 1.5px solid;
  border-radius: 12px;
  padding: 14px 14px 12px;
  position: relative;
}
.ga-tile-dot {
  width: 8px; height: 8px; border-radius: 50%;
  position: absolute; top: 12px; right: 12px;
}
.ga-tile-val {
  font-size: 20px; font-weight: 800; letter-spacing: -.5px;
  line-height: 1.1; margin-bottom: 5px;
}
.ga-tile-label {
  font-size: 10px; font-weight: 700; color: #64748b;
  text-transform: uppercase; letter-spacing: .4px;
}
.ga-tile-sub {
  font-size: 10px; color: #94a3b8; margin-top: 3px;
}

/* ── Tab bar ── */
.ga-tabs {
  display: flex; gap: 4px; margin-bottom: 0;
  border-bottom: 2px solid #E2E8F0;
  flex-wrap: wrap;
}
.ga-tab {
  display: flex; align-items: center; gap: 6px;
  padding: 9px 14px; border: none; background: none;
  font-family: inherit; font-size: 13px; font-weight: 600;
  color: #475569; cursor: pointer; border-radius: 8px 8px 0 0;
  border-bottom: 2px solid transparent; margin-bottom: -2px;
  transition: all .15s; white-space: nowrap;
}
.ga-tab:hover { background: #F1F5F9; color: #1A3A5C; }
.ga-tab-active {
  color: #1A3A5C !important;
  border-bottom-color: #1A3A5C !important;
  background: #fff !important;
}
.ga-tab-dim { opacity: .45; }
.ga-tab-dot {
  width: 7px; height: 7px; border-radius: 50%; flex-shrink: 0;
}
.ga-tab-icon { font-size: 14px; }
.ga-tab-label { }

/* ── Tab content ── */
.ga-tab-content {
  border: 1px solid #E2E8F0; border-top: none;
  border-radius: 0 0 12px 12px;
  padding: 20px;
  background: #fff;
  min-height: 200px;
}

/* ── Mobile ── */
@media (max-width: 800px) {
  .ga-dashboard { grid-template-columns: repeat(3,1fr); }
  .ga-assum-fields { gap: 8px; }
  .ga-assum-field { min-width: 85px; }
}
@media (max-width: 540px) {
  .ga-dashboard { grid-template-columns: 1fr 1fr; }
  .ga-tab-label { display: none; }
  .ga-tab { padding: 9px 10px; }
}

/* ══════════════════════════════════════════════════════════════════
   REVIEW PAGE v2 — Signal Cards + Two-Tier Layout
   ══════════════════════════════════════════════════════════════════ */

/* Situation banner */
.rv2-banner {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 16px 20px; border-radius: 12px;
  margin-bottom: 20px; border: 1.5px solid;
}
.rv2-banner-icon { font-size: 24px; flex-shrink: 0; margin-top: 2px; }
.rv2-banner-title { font-size: 14px; font-weight: 700; margin-bottom: 4px; }
.rv2-banner-text  { font-size: 13px; line-height: 1.6; opacity: .9; }

/* Investment property strip */
.rv2-ip-strip {
  display: flex; align-items: center; gap: 12px; flex-wrap: wrap;
  padding: 10px 16px; background: #F5F3FF; border: 1px solid #DDD6FE;
  border-radius: 10px; margin-bottom: 16px; font-size: 13px; font-weight: 600; color: #5B21B6;
}
.rv2-ip-icon { font-size: 18px; }
.rv2-ip-stat { font-size: 12px; font-weight: 500; color: #6D28D9; background: #EDE9FE;
  padding: 2px 8px; border-radius: 20px; }
.rv2-ip-edit { margin-left: auto; background: #7C3AED; color: #fff; border: none;
  border-radius: 6px; padding: 4px 10px; font-size: 11px; font-weight: 700; cursor: pointer; }
.rv2-ip-edit:hover { background: #6D28D9; }

/* Section dividers */
.rv2-section-hdr {
  font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .7px;
  padding: 6px 0; margin: 20px 0 10px; display: flex; align-items: center; gap: 8px;
}
.rv2-attention-hdr { color: #DC2626; border-bottom: 2px solid #FECDD3; padding-bottom: 8px; }
.rv2-reviewed-hdr  { color: #64748B; border-bottom: 1px solid #E2E8F0; padding-bottom: 8px; }
.rv2-attention-dot {
  width: 8px; height: 8px; border-radius: 50%; background: #DC2626;
  flex-shrink: 0; box-shadow: 0 0 0 3px #FEE2E2;
}

/* Block grids */
.rv2-blocks-compact { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin-bottom: 4px; }

/* Block card */
.rvb-card {
  background: #fff; border-radius: 12px; border: 1px solid #E2E8F0;
  overflow: hidden; position: relative;
}
.rvb-card::before {
  content: ''; position: absolute; left: 0; top: 0; bottom: 0;
  width: 4px; background: #E2E8F0;
}
.rvb-card.red::before   { background: #EF4444; }
.rvb-card.amber::before { background: #F59E0B; }
.rvb-card.green::before { background: #22C55E; }
.rvb-card.red   { border-color: #FECDD3; background: #FFFAFA; }
.rvb-card.amber { border-color: #FDE68A; background: #FFFDF5; }
.rvb-card.green { border-color: #BBF7D0; background: #F8FFFC; }

.rvb-card-hdr {
  display: flex; align-items: center; gap: 10px;
  padding: 14px 16px 10px; border-bottom: 1px solid #F1F5F9;
}
.rvb-icon {
  width: 32px; height: 32px; border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: 16px; flex-shrink: 0;
}
.rvb-title { font-size: 13px; font-weight: 700; color: #1E293B; flex: 1; }
.rvb-tag {
  font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: .4px;
  padding: 3px 8px; border-radius: 20px; flex-shrink: 0;
}
.rvb-tag.red   { background: #FEE2E2; color: #991B1B; }
.rvb-tag.amber { background: #FEF3C7; color: #92400E; }
.rvb-tag.green { background: #DCFCE7; color: #166534; }

.rvb-bignum {
  font-size: 26px; font-weight: 800; line-height: 1; padding: 12px 16px 4px;
  letter-spacing: -0.5px;
}
.rvb-suffix { font-size: 14px; font-weight: 600; opacity: .7; margin-left: 2px; }
.rvb-body {
  font-size: 12px; color: #475569; line-height: 1.65;
  padding: 4px 16px 10px;
}
.rvb-edit-btn {
  display: block; width: calc(100% - 32px); margin: 0 16px 14px;
  padding: 7px 12px; background: transparent; border: 1px solid #CBD5E1;
  border-radius: 7px; font-size: 11px; font-weight: 600; color: #475569;
  cursor: pointer; text-align: left; transition: background .15s;
}
.rvb-edit-btn:hover { background: #F8FAFC; border-color: #94A3B8; }
.rvb-list { margin: 4px 0 0 0; padding-left: 16px; }
.rvb-list li { font-size: 12px; color: #475569; line-height: 1.7; }

/* Compact card adjustments (used in "Reviewed" 3-col grid) */
.rvb-card.compact .rvb-bignum,
.rvb-compact .rvb-bignum { font-size: 20px; padding: 10px 14px 4px; }
.rvb-card.compact .rvb-body,
.rvb-compact .rvb-body   { font-size: 11px; padding: 4px 14px 8px; }
.rvb-card.compact .rvb-card-hdr,
.rvb-compact .rvb-card-hdr { padding: 12px 14px 8px; }
.rvb-card.compact .rvb-edit-btn,
.rvb-compact .rvb-edit-btn { margin: 0 14px 12px; font-size: 10px; }

/* Sim controls */
.rv2-sim-row { display: flex; gap: 20px; }
.rv2-sim-item { flex: 1; }
.rv2-sim-lbl  { font-size: 12px; color: #475569; display: block; margin-bottom: 6px; }
.rv2-sim-slider {
  width: 100%; height: 4px; border-radius: 4px; appearance: none;
  outline: none; cursor: pointer;
}
.rv2-sim-slider::-webkit-slider-thumb {
  appearance: none; width: 16px; height: 16px;
  border-radius: 50%; background: var(--blue,#1A3A5C);
  border: 2px solid #fff; box-shadow: 0 1px 4px rgba(0,0,0,.2);
}
.rv2-assum-btn {
  background: transparent; border: 1px solid #CBD5E1; border-radius: 7px;
  padding: 6px 12px; font-size: 12px; font-weight: 600; color: #64748B;
  cursor: pointer; white-space: nowrap;
}
.rv2-assum-btn:hover { background: #F8FAFC; }

/* Misc */
.rv2-list { margin: 6px 0 0; padding-left: 18px; }
.rv2-list li { font-size: 12px; color: #475569; line-height: 1.7; }
.rv2-disclaimer {
  font-size: 10px; color: #94A3B8; text-align: center;
  padding: 12px 16px; border-top: 1px solid #F1F5F9; margin-top: 20px; line-height: 1.6;
}

/* Mobile */
@media (max-width: 700px) {
  .rv2-blocks-compact { grid-template-columns: 1fr; }
  .rv2-sim-row { flex-direction: column; gap: 12px; }
  .rv2-banner { gap: 10px; }
}
@media (max-width: 500px) {
  .rv2-blocks-compact { grid-template-columns: 1fr 1fr; }
}

/* ══════════════════════════════════════════════════════════════════
   INVESTMENT PROPERTIES — inline under Tax-Deferred
   ══════════════════════════════════════════════════════════════════ */

/* ── Inline property add picker (replaces modal/popup) ── */
.ip-chooser {
  background: linear-gradient(135deg, #F8FAFF 0%, #F0F4FF 100%);
  border: 1.5px solid #BFDBFE;
  border-radius: 14px;
  padding: 20px;
  margin-bottom: 12px;
  grid-column: 1 / -1;
}
.ip-chooser-title {
  font-size: 13px;
  font-weight: 700;
  color: #1A3A5C;
  margin-bottom: 14px;
  text-align: center;
  letter-spacing: .1px;
}
.ip-chooser-opts {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
@media (max-width: 560px) {
  .ip-chooser-opts { grid-template-columns: 1fr; }
}
.ip-chooser-btn {
  background: #fff;
  border: 1.5px solid #e2e8f0;
  border-radius: 11px;
  padding: 16px;
  cursor: pointer;
  text-align: center;
  transition: border-color .15s, background .15s, box-shadow .15s;
  font-family: inherit;
}
.ip-chooser-cons:hover { border-color: #2E6DA4; background: #EEF6FF; box-shadow: 0 2px 8px rgba(46,109,164,.12); }
.ip-chooser-det { cursor: default; text-align: left; }
.ip-chooser-det:hover { border-color: #7c3aed; background: #F5F3FF; box-shadow: 0 2px 8px rgba(124,58,237,.1); }
.ip-chooser-icon { font-size: 28px; margin-bottom: 6px; text-align: center; }
.ip-chooser-lbl  { font-size: 13px; font-weight: 700; color: #1A3A5C; margin-bottom: 3px; }
.ip-chooser-sub  { font-size: 11px; color: #64748b; line-height: 1.4; }
.ip-chooser-count-row {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 12px;
  padding-top: 10px;
  border-top: 1px solid #e2e8f0;
  flex-wrap: wrap;
}
.ip-chooser-count-lbl {
  font-size: 11px;
  font-weight: 600;
  color: #475569;
  flex-shrink: 0;
}
.ip-chooser-add-btn {
  padding: 6px 12px;
  background: #7c3aed;
  color: #fff;
  border: none;
  border-radius: 7px;
  font-size: 11px;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  transition: background .15s;
  margin-left: auto;
}
.ip-chooser-add-btn:hover { background: #6d28d9; }

.ip-modal-btn {
  background: #fff;
  border: 1.5px solid #e2e8f0;
  border-radius: 10px;
  padding: 16px;
  cursor: pointer;
  text-align: center;
  transition: border-color .15s, background .15s;
  font-family: inherit;
}
.ip-modal-btn:hover { border-color: #7c3aed; background: #F5F3FF; }
.ip-modal-cons:hover { border-color: #2E6DA4; background: #EEF6FF; }
.ip-modal-icon { font-size: 28px; margin-bottom: 6px; }
.ip-modal-lbl  { font-size: 13px; font-weight: 700; color: #1A3A5C; margin-bottom: 3px; }
.ip-modal-sub  { font-size: 11px; color: #64748b; line-height: 1.4; }
.ip-modal-cancel {
  display: block;
  margin: 0 auto;
  background: none;
  border: none;
  color: #94a3b8;
  font-size: 12px;
  cursor: pointer;
  padding: 4px 10px;
}
.ip-modal-cancel:hover { color: #475569; }

/* Count stepper row inside detailed option */
.ip-inline-count-row {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 12px;
  padding-top: 10px;
  border-top: 1px solid #e2e8f0;
  flex-wrap: wrap;
}
.ip-inline-count-lbl {
  font-size: 11px;
  font-weight: 600;
  color: #475569;
  flex-shrink: 0;
}
.ip-inline-count-ctrl {
  display: flex;
  align-items: center;
  gap: 0;
  border: 1.5px solid #7c3aed55;
  border-radius: 7px;
  overflow: hidden;
  flex-shrink: 0;
}
.ip-cnt-btn {
  width: 28px; height: 28px;
  background: #F5F3FF;
  border: none;
  font-size: 15px;
  font-weight: 700;
  color: #7c3aed;
  cursor: pointer;
  line-height: 1;
}
.ip-cnt-btn:hover { background: #EDE9FE; }
.ip-cnt-val {
  min-width: 28px;
  text-align: center;
  font-size: 14px;
  font-weight: 700;
  color: #1A3A5C;
  padding: 0 4px;
  background: #fff;
  height: 28px;
  line-height: 28px;
  display: inline-block;
}
.ip-inline-add-btn {
  margin-left: auto;
  padding: 6px 12px;
  background: #7c3aed;
  color: #fff;
  border: none;
  border-radius: 7px;
  font-size: 12px;
  font-weight: 700;
  cursor: pointer;
  white-space: nowrap;
}
.ip-inline-add-btn:hover { background: #6d28d9; }

.ip-add-btn {
  background: #F5F3FF; color: #7C3AED; border: 1.5px dashed #C4B5FD;
  border-radius: 8px; padding: 7px 14px; font-size: 12px; font-weight: 600;
  cursor: pointer; transition: background .15s;
}
.ip-add-btn:hover { background: #EDE9FE; }
.ip-add-more { background: #F8FAFC; color: #475569; border-color: #CBD5E1; }
.ip-add-more:hover { background: #F1F5F9; }

/* Footer summary bar */
.ip-footer-summary {
  margin: 4px 12px 12px; padding: 10px 14px;
  background: #F5F3FF; border: 1px solid #DDD6FE; border-radius: 8px;
}

@media (max-width: 500px) {
  .ip-row-2 { grid-template-columns: 1fr; }
  .ip-metrics-grid { grid-template-columns: 1fr 1fr; }
  .ip-modal-opts { grid-template-columns: 1fr; }
}

/* ══════════════════════════════════════════════════════════════════
   TAB LAYOUT — Left-rail label + right content (desktop 2-col)
   Stripe/Linear settings style. Collapses to stacked on mobile.
   ══════════════════════════════════════════════════════════════════ */

.tab-layout {
  display: flex; flex-direction: column;
  gap: 0;
}

/* Each section row: label rail | content area */
.tab-row {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 0;
  border-bottom: 1px solid var(--border);
  background: var(--surface);
}
.tab-row:first-child { border-radius: 14px 14px 0 0; overflow: hidden; }
.tab-row:last-child  { border-radius: 0 0 14px 14px; overflow: hidden; border-bottom: none; }
.tab-row:only-child  { border-radius: 14px; overflow: hidden; }

/* Left rail — sticky section label */
.tab-row-label {
  padding: 24px 20px 24px 22px;
  background: #F8FAFC;
  border-right: 1px solid var(--border);
  display: flex; flex-direction: column; gap: 6px;
  position: sticky; top: 0; /* optional: top: 80px if pill nav is fixed */
}
.tab-row-icon  { font-size: 22px; margin-bottom: 2px; }
.tab-row-title {
  font-size: 13px; font-weight: 700; color: var(--navy);
  line-height: 1.3;
}
.tab-row-sub {
  font-size: 11px; color: var(--muted); line-height: 1.5;
  font-weight: 400;
}

/* Right content pane */
.tab-row-content {
  padding: 22px 24px;
  background: var(--surface);
  display: flex; flex-direction: column; gap: 14px;
}

/* Two fields side-by-side within content */
.tab-fields-2 {
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px 20px;
}
.tab-fields-3 {
  display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px 16px;
}
.tab-fields-full { grid-column: 1 / -1; }

/* Coloured left accent on rows */
.tab-row.accent-blue   .tab-row-label { background: #EFF6FF; border-right-color: #BFDBFE; }
.tab-row.accent-amber  .tab-row-label { background: #FFFBEB; border-right-color: #FDE68A; }
.tab-row.accent-green  .tab-row-label { background: #F0FDF4; border-right-color: #BBF7D0; }
.tab-row.accent-purple .tab-row-label { background: #F5F3FF; border-right-color: #DDD6FE; }
.tab-row.accent-orange .tab-row-label { background: #FFF7ED; border-right-color: #FED7AA; }
.tab-row.accent-rose   .tab-row-label { background: #FFF1F2; border-right-color: #FECDD3; }

/* Summary / computed row spans full width */
.tab-row.tab-row-full {
  grid-template-columns: 1fr;
  border-left: 4px solid #CBD5E1;
}
.tab-row.tab-row-full .tab-row-content {
  padding: 18px 24px;
}

/* Inline summary stat chips */
.tab-stat-row {
  display: flex; gap: 12px; flex-wrap: wrap;
}
.tab-stat {
  background: #F8FAFC; border: 1px solid var(--border);
  border-radius: 10px; padding: 10px 14px;
  display: flex; flex-direction: column; gap: 2px; min-width: 120px;
}
.tab-stat-label { font-size: 10px; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .4px; }
.tab-stat-val   { font-size: 18px; font-weight: 800; color: var(--navy); }
.tab-stat-sub   { font-size: 10px; color: var(--muted); }
.tab-stat.positive .tab-stat-val { color: #15803d; }
.tab-stat.negative .tab-stat-val { color: #dc2626; }
.tab-stat.highlight { background: var(--navy); border-color: var(--navy); }
.tab-stat.highlight .tab-stat-label { color: rgba(255,255,255,.6); }
.tab-stat.highlight .tab-stat-val   { color: #C9A84C; }
.tab-stat.highlight .tab-stat-sub   { color: rgba(255,255,255,.5); }

/* Mobile — collapse to stacked */
@media (max-width: 700px) {
  .tab-row {
    grid-template-columns: 1fr;
  }
  .tab-row-label {
    padding: 14px 16px 10px;
    border-right: none; border-bottom: 1px solid var(--border);
    flex-direction: row; align-items: center; gap: 10px;
  }
  .tab-row-icon { font-size: 18px; margin-bottom: 0; }
  .tab-row-sub  { display: none; }
  .tab-row-content { padding: 16px; }
  .tab-fields-2, .tab-fields-3 { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .tab-stat { min-width: 100px; }
}


/* ══════════════════════════════════════════════════════════════
   COL TAB — Income & Cost of Living
   ══════════════════════════════════════════════════════════════ */

.col-income-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 16px; }
@media (max-width: 600px) { .col-income-grid { grid-template-columns: 1fr; } }

.col-total-bar {
  display: flex; align-items: center; justify-content: space-between;
  padding: 10px 14px; border-radius: 8px; margin-top: 4px;
  font-size: 13px; font-weight: 600;
}
.col-total-bar-blue  { background: #EEF6FF; color: #1e40af; }
.col-total-bar-orange{ background: #FFF7ED; color: #92400e; }
.col-total-bar-label { font-size: 12px; font-weight: 600; }
.col-total-bar-val   { font-size: 16px; font-weight: 800; }

.col-sub-block {
  border-radius: 10px; padding: 14px; margin-top: 8px;
}
.col-sub-block-amber { background: #FFFBEB; border: 1.5px solid #FDE68A; }
.col-sub-block-green { background: #F0FDF4; border: 1.5px solid #BBF7D0; }
.col-sub-block-slate { background: #F8FAFC; border: 1.5px solid #e2e8f0; }
.col-sub-block-title {
  font-size: 11px; font-weight: 700; text-transform: uppercase;
  letter-spacing: .5px; color: #64748b; margin-bottom: 10px;
}
.col-sub-block-note { font-weight: 400; text-transform: none; font-size: 10px; color: #94a3b8; }

.col-calc-note {
  font-size: 12px; color: #64748b; background: #FFFBEB;
  border: 1px solid #FDE68A; border-radius: 6px;
  padding: 6px 10px; margin-top: 8px;
}
.col-warn-note {
  font-size: 11px; color: #92400e; background: #FFF7ED;
  border: 1px solid #FED7AA; border-radius: 6px;
  padding: 6px 10px; margin-top: 8px;
}
.col-calc-btn {
  background: none; border: 1px solid #e2e8f0; border-radius: 4px;
  padding: 1px 6px; font-size: 10px; cursor: pointer; color: #64748b;
  margin-left: 6px; font-family: inherit;
}
.col-calc-tip {
  font-size: 11px; color: #1e40af; background: #EEF6FF;
  border: 1px solid #BFDBFE; border-radius: 6px;
  padding: 5px 8px; margin-top: 4px;
}

.col-tax-top { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; align-items: start; }
@media (max-width: 580px) { .col-tax-top { grid-template-columns: 1fr; } }

.col-std-ded-tile {
  background: #F0FDF4; border: 1.5px solid #BBF7D0; border-radius: 10px;
  padding: 12px 14px; text-align: center;
}
.col-std-ded-label { font-size: 10px; font-weight: 700; color: #64748b; text-transform: uppercase; letter-spacing: .4px; }
.col-std-ded-val   { font-size: 22px; font-weight: 800; color: #15803d; margin: 4px 0 2px; }
.col-std-ded-sub   { font-size: 10px; color: #64748b; }

.col-est-tiles { display: grid; grid-template-columns: repeat(3,1fr); gap: 8px; }
@media (max-width: 580px) { .col-est-tiles { grid-template-columns: 1fr 1fr; } }
.col-est-tile {
  background: #fff; border: 1.5px solid #e2e8f0; border-radius: 8px; padding: 10px 12px;
}
.col-est-tile-tax { border-color: #FECDD3; background: #FFF5F5; }
.col-est-tile-label { font-size: 9px; font-weight: 700; color: #94a3b8; text-transform: uppercase; letter-spacing: .4px; }
.col-est-tile-val   { font-size: 16px; font-weight: 800; color: var(--navy); margin: 3px 0 2px; }
.col-est-tile-sub   { font-size: 9px; color: #94a3b8; }
.col-est-tile-tax .col-est-tile-val { color: #dc2626; }

.col-expense-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 600px) { .col-expense-grid { grid-template-columns: 1fr; } }
.col-expense-card {
  border-radius: 10px; padding: 14px; border: 1.5px solid var(--border);
}
.col-expense-paycheck { background: #F0F9FF; border-color: #BAE6FD; }
.col-expense-playcheck{ background: #FFF7ED; border-color: #FED7AA; }
.col-expense-card-icon  { font-size: 22px; margin-bottom: 6px; }
.col-expense-card-label { font-size: 12px; font-weight: 700; color: var(--navy); margin-bottom: 2px; }

.col-expense-card-hint  { font-size: 10px; color: #64748b; margin-bottom: 10px; }

/* ── Expense Tiles ─────────────────────────────────────────────── */
.col-expense-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 0; }
@media (max-width: 600px) { .col-expense-grid { grid-template-columns: 1fr; } }

.col-etile {
  border-radius: 10px; border: 1.5px solid; padding: 14px 14px 12px;
  transition: opacity .2s, box-shadow .2s;
}
.col-expense-paycheck { background: #F0F9FF; border-color: #BAE6FD; }
.col-expense-playcheck { background: #FFF7ED; border-color: #FED7AA; }
.col-etile-open { border-bottom-left-radius: 0; border-bottom-right-radius: 0; border-bottom: none; }

.col-etile-top {
  display: flex; align-items: flex-start; gap: 8px; margin-bottom: 10px;
}
.col-etile-icon { font-size: 20px; flex-shrink: 0; margin-top: 1px; }
.col-etile-meta { flex: 1; }
.col-etile-label { font-size: 12px; font-weight: 700; color: var(--navy); }
.col-etile-hint  { font-size: 10px; color: #64748b; margin-top: 1px; }

.col-etile-btn {
  flex-shrink: 0; padding: 4px 10px; border: none; border-radius: 5px;
  background: var(--navy); color: #fff; font-size: 11px; font-weight: 700;
  cursor: pointer; white-space: nowrap;
}
.col-etile-btn:hover { background: var(--blue); }
.col-etile-btn-plc { background: #92400e; }
.col-etile-btn-plc:hover { background: #B45309; }

.col-etile-body { padding-left: 28px; }
.col-etile-total { font-size: 22px; font-weight: 800; color: var(--navy); line-height: 1.2; }
.col-etile-count { font-size: 10px; font-weight: 600; color: #64748b; margin-top: 1px; }
.col-etile-direct input { width: 100%; }
.col-etile-direct-hint { font-size: 10px; color: #64748b; margin-top: 5px; }
.col-etile-link {
  background: none; border: none; padding: 0;
  color: var(--blue); font-size: 10px; font-weight: 600;
  cursor: pointer; text-decoration: underline;
}

/* ── Expense Worksheet ──────────────────────────────────────────── */
.col-worksheet {
  border: 1.5px solid #BAE6FD; border-top: none;
  border-radius: 0 0 10px 10px;
  margin-bottom: 8px; overflow: hidden;
}
.col-ws-pc  { border-color: #BAE6FD; background: #F8FCFF; }
.col-ws-plc { border-color: #FED7AA; background: #FFFBF5; }

.col-ws-head {
  display: flex; align-items: center; gap: 6px;
  background: var(--navy); padding: 7px 10px;
  font-size: 10px; font-weight: 700; color: rgba(255,255,255,.7);
  text-transform: uppercase; letter-spacing: .4px;
}
.col-ws-hnum  { width: 24px; flex-shrink: 0; text-align: center; }
.col-ws-hdesc { flex: 2; }
.col-ws-hcat  { flex: 1.6; }
.col-ws-hamt  { flex: 1.4; }
.col-ws-hann  { width: 80px; flex-shrink: 0; }
.col-ws-hval  { width: 80px; flex-shrink: 0; text-align: right; }

.col-ws-row {
  display: flex; align-items: center; gap: 6px;
  padding: 7px 10px;
  border-top: 1px solid rgba(0,0,0,.06);
  background: #fff;
}
.col-ws-row:nth-child(even) { background: #F8FAFC; }
.col-ws-plc .col-ws-row:nth-child(even) { background: #FFFDF8; }

.col-ws-rnum {
  width: 24px; flex-shrink: 0; text-align: center;
  font-size: 11px; font-weight: 700; color: #94a3b8;
}
.col-ws-rinp {
  border: 1px solid #E2E8F0; border-radius: 5px;
  padding: 5px 8px; font-size: 12px; color: var(--navy);
  font-family: inherit; outline: none; background: #fff;
}
.col-ws-rinp:focus { border-color: var(--blue); box-shadow: 0 0 0 2px rgba(46,109,164,.12); }
.col-ws-rdesc { flex: 2; }
.col-ws-rsel {
  flex: 1.6; border: 1px solid #E2E8F0; border-radius: 5px;
  padding: 5px 6px; font-size: 12px; color: #94a3b8;
  font-family: inherit; background: #fff; outline: none;
}
.col-ws-rsel.filled { color: var(--navy); }
.col-ws-rsel:focus { border-color: var(--blue); }

.col-ws-ramount {
  flex: 1.4; display: flex; gap: 4px; align-items: center;
}
.col-ws-ramt {
  flex: 1; min-width: 0;
  border: 1px solid #E2E8F0 !important; border-radius: 5px !important;
  padding: 5px 8px !important; font-size: 12px !important;
}
.col-ws-ramt:focus { border-color: var(--blue) !important; }
.col-ws-rfreq {
  width: 42px; flex-shrink: 0;
  border: 1px solid #E2E8F0; border-radius: 5px;
  padding: 5px 3px; font-size: 11px; color: var(--navy);
  font-family: inherit; background: #F8FAFC; outline: none;
}
.col-ws-rannual {
  width: 80px; flex-shrink: 0;
  font-size: 10px; color: #64748b; text-align: right; white-space: nowrap;
}
.col-ws-rval {
  width: 80px; flex-shrink: 0;
  font-size: 12px; font-weight: 700; color: var(--navy);
  text-align: right; white-space: nowrap;
}
.col-ws-rdel {
  width: 22px; height: 22px; flex-shrink: 0;
  border: none; background: none; color: #94a3b8;
  font-size: 12px; cursor: pointer; border-radius: 4px;
  display: flex; align-items: center; justify-content: center; padding: 0;
}
.col-ws-rdel:hover { color: #ef4444; background: #FEE2E2; }

.col-ws-empty {
  padding: 18px 16px; text-align: center;
  font-size: 12px; color: #94a3b8;
}

.col-ws-foot {
  display: flex; align-items: center; justify-content: space-between; gap: 8px;
  padding: 10px 12px;
  border-top: 1.5px solid rgba(0,0,0,.08);
  background: rgba(255,255,255,.6);
}
.col-ws-foot-right { display: flex; align-items: center; gap: 8px; }

.col-ws-add {
  padding: 7px 14px; background: var(--navy); color: #fff;
  border: none; border-radius: 6px; font-size: 12px; font-weight: 700;
  cursor: pointer;
}
.col-ws-pc  .col-ws-add:hover { background: var(--blue); }
.col-ws-plc .col-ws-add { background: #92400e; }
.col-ws-plc .col-ws-add:hover { background: #B45309; }

.col-ws-subtotal {
  font-size: 15px; font-weight: 800; white-space: nowrap;
}
.col-ws-subtotal span { font-size: 10px; font-weight: 600; margin-left: 2px; color: #64748b; }
.col-ws-total-pc  { color: #1e40af; }
.col-ws-total-plc { color: #92400e; }

.col-ws-done {
  padding: 7px 16px; background: #15803D; color: #fff;
  border: none; border-radius: 6px; font-size: 12px; font-weight: 700;
  cursor: pointer;
}
.col-ws-done:hover { background: #166534; }

/* Mobile worksheet */
@media (max-width: 640px) {
  .col-ws-head { display: none; }
  .col-ws-row  { flex-wrap: wrap; padding: 10px; gap: 6px; }
  .col-ws-rnum { order: 0; width: 20px; }
  .col-ws-rdesc { order: 1; flex: 1 1 calc(100% - 30px); }
  .col-ws-rsel { order: 2; flex: 1 1 100%; }
  .col-ws-ramount { order: 3; flex: 1 1 60%; }
  .col-ws-rannual { order: 4; flex: 1 1 30%; text-align: left; }
  .col-ws-rval { order: 5; flex: 1 1 30%; }
  .col-ws-rdel { order: 6; }
  .col-ws-foot { flex-direction: column; align-items: stretch; }
  .col-ws-foot-right { justify-content: space-between; }
}


/* Cashflow summary waterfall */
.col-summary-wrap { display: flex; flex-direction: column; gap: 0; }
.col-sum-hdr { display: flex; align-items: center; justify-content: space-between; margin-bottom: 12px; }
.col-sum-title { font-size: 13px; font-weight: 700; color: var(--navy); }
.col-sum-badge { font-size: 11px; font-weight: 700; padding: 3px 10px; border-radius: 12px; }
.col-sum-badge-pos { background: #DCFCE7; color: #166534; }
.col-sum-badge-neg { background: #FEE2E2; color: #991b1b; }
.col-sum-block { border-radius: 10px; padding: 12px 14px; }
.col-sum-income { background: #EEF6FF; border: 1.5px solid #BFDBFE; }
.col-sum-block-label { font-size: 10px; font-weight: 700; color: #1e40af; text-transform: uppercase; letter-spacing: .4px; margin-bottom: 8px; }
.col-sum-block-rows { display: flex; flex-direction: column; gap: 4px; margin-bottom: 8px; }
.col-sum-row { display: flex; justify-content: space-between; font-size: 13px; color: #475569; }
.col-sum-amt { font-weight: 600; color: var(--navy); }
.col-sum-block-total { font-size: 18px; font-weight: 800; color: #1e40af; text-align: right; }
.col-sum-connector { display: flex; flex-direction: column; align-items: stretch; padding: 0 18px; }
.col-sum-connector-line { width: 2px; height: 10px; background: #e2e8f0; margin: 0 auto; }
.col-sum-deduction { display: flex; align-items: flex-start; gap: 10px; font-size: 13px; color: #475569; padding: 6px 0; }
.col-sum-deduction-tax { color: #dc2626; }
.col-sum-deduction-col { color: #92400e; }
.col-sum-deduct-op  { font-size: 16px; font-weight: 700; flex-shrink: 0; line-height: 1.4; }
.col-sum-deduct-amt { font-weight: 700; margin-left: auto; flex-shrink: 0; }
.col-sum-step { display: flex; justify-content: space-between; align-items: center; padding: 10px 14px; border-radius: 8px; }
.col-sum-step-mid   { background: #F8FAFC; border: 1px solid #e2e8f0; }
.col-sum-step-label { font-size: 12px; font-weight: 600; color: #475569; }
.col-sum-step-val   { font-size: 16px; font-weight: 800; color: var(--navy); }
.col-sum-final { border-radius: 10px; padding: 14px; text-align: center; margin-top: 8px; }
.col-sum-final-pos  { background: #DCFCE7; border: 2px solid #86EFAC; }
.col-sum-final-neg  { background: #FEE2E2; border: 2px solid #FCA5A5; }
.col-sum-final-label{ font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .4px; margin-bottom: 4px; }
.col-sum-final-pos .col-sum-final-label { color: #166534; }
.col-sum-final-neg .col-sum-final-label { color: #991b1b; }
.col-sum-final-val  { font-size: 28px; font-weight: 800; }
.col-sum-final-pos .col-sum-final-val { color: #15803d; }
.col-sum-final-neg .col-sum-final-val { color: #dc2626; }
.col-sum-final-sub  { font-size: 11px; color: #64748b; margin-top: 4px; }
.col-tax-badge { display: inline-block; font-size: 9px; font-weight: 700; padding: 1px 6px; border-radius: 8px; vertical-align: middle; }
.col-tax-known { background: #DCFCE7; color: #166534; }
.col-tax-est   { background: #FEF9C3; color: #92400e; }

/* ══════════════════════════════════════════════════════════════
   INSURANCE TAB — polished policy cards
   ══════════════════════════════════════════════════════════════ */

.ins-empty { text-align: center; padding: 32px 16px; }
.ins-empty-icon  { font-size: 36px; margin-bottom: 8px; }
.ins-empty-title { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.ins-empty-sub   { font-size: 12px; color: #64748b; }

.ins-policy-card {
  border: 1.5px solid var(--border); border-radius: 12px; overflow: hidden; margin-bottom: 12px;
}
.ins-policy-hdr {
  display: flex; align-items: center; gap: 12px;
  padding: 12px 16px; border-bottom: 1.5px solid var(--border);
}
.ins-policy-type-icon { font-size: 22px; flex-shrink: 0; }
.ins-policy-hdr-info  { display: flex; flex-direction: column; gap: 2px; flex: 1; min-width: 0; }
.ins-policy-title { font-size: 14px; font-weight: 700; }
.ins-policy-who   { font-size: 11px; color: #64748b; font-weight: 600; }
.ins-policy-remove {
  background: none; border: 1.5px solid #e2e8f0; border-radius: 6px;
  padding: 4px 8px; font-size: 12px; color: #94a3b8; cursor: pointer;
  flex-shrink: 0; font-family: inherit;
  transition: border-color .15s, color .15s;
}
.ins-policy-remove:hover { border-color: #dc2626; color: #dc2626; }
.ins-policy-body { padding: 16px; }
.ins-policy-selects { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
@media (max-width: 560px) { .ins-policy-selects { grid-template-columns: 1fr; } }

.ins-sub { background: #F8FAFC; border: 1.5px solid #e2e8f0; border-radius: 10px; padding: 14px; }
.ins-sub-title {
  font-size: 10px; font-weight: 700; color: #64748b;
  text-transform: uppercase; letter-spacing: .5px; margin-bottom: 12px;
}
.ins-sub .ff-field + .ff-field { margin-top: 12px; }

.ins-summary-bar {
  display: flex; gap: 10px; flex-wrap: wrap;
  padding: 12px; background: #F8FAFC; border-radius: 10px;
  border: 1px solid #e2e8f0; margin: 8px 0;
}
.ins-sum-tile { flex: 1; min-width: 100px; text-align: center; }
.ins-sum-tile-label { font-size: 9px; font-weight: 700; color: #94a3b8; text-transform: uppercase; letter-spacing: .4px; }
.ins-sum-tile-val   { font-size: 16px; font-weight: 800; color: var(--navy); margin-top: 2px; }

/* ══════════════════════════════════════════════════════════════
   ADVISOR TAB
   ══════════════════════════════════════════════════════════════ */

.adv-branding {
  display: flex; align-items: center; gap: 14px;
  padding: 14px; background: var(--navy); border-radius: 10px; margin-bottom: 16px;
}
.adv-logo-mark {
  width: 44px; height: 44px; border-radius: 10px;
  background: var(--gold); color: var(--navy);
  font-size: 22px; font-weight: 900;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.adv-branding-title { font-size: 15px; font-weight: 700; color: #fff; }
.adv-branding-sub   { font-size: 11px; color: rgba(255,255,255,.6); margin-top: 2px; }
.adv-fields-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px 16px; }
.adv-field-full  { grid-column: 1 / -1; }
@media (max-width: 580px) { .adv-fields-grid { grid-template-columns: 1fr; } .adv-field-full { grid-column: 1; } }

/* ── Planning tab: merged zone section headers & divider ── */
.ep-section-hdr {
  font-size: 11px; font-weight: 700; text-transform: uppercase;
  letter-spacing: .6px; padding: 6px 0 10px; margin-bottom: 4px;
}
.ep-section-hdr-blue   { color: #1e40af; }
.ep-section-hdr-purple { color: #5b21b6; margin-top: 4px; }
.ep-section-hdr-orange { color: #92400e; }
.ep-section-hdr-green  { color: #166534; margin-top: 4px; }
.ep-zone-divider {
  border: none; border-top: 1.5px solid rgba(0,0,0,.07);
  margin: 16px 0;
}

/* ── Assets: real estate pair side-by-side ── */
.az-re-pair {
  display: grid; grid-template-columns: 1fr 1fr; gap: 10px; grid-column: 1/-1;
}
.az-re-ip-wrap { display: flex; flex-direction: column; }
.az-re-ip-wrap .ip-grid-wrap { margin: 0; }
@media (max-width: 640px) { .az-re-pair { grid-template-columns: 1fr; } }

/* ── Insurance: 2-col field grid inside policy sub-panel ── */
.ins-sub-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-top: 12px;
}
.ins-sub-grid.ins-sub-grid-1 {
  grid-template-columns: 1fr;
}
@media (max-width: 560px) {
  .ins-sub-grid { grid-template-columns: 1fr; }
}
.ins-sub .ff-field + .ff-field { margin-top: 0; }

/* ── Insurance: Done button ── */
.ins-done-btn {
  display: block;
  width: 100%;
  margin-top: 16px;
  padding: 11px 0;
  background: #1e40af;
  color: #fff;
  font-size: 13px;
  font-weight: 700;
  border: none;
  border-radius: 8px;
  cursor: pointer;
  letter-spacing: .3px;
  transition: background .15s;
}
.ins-done-btn:hover { background: #1e3a8a; }

/* ── Insurance: collapsed policy tile ── */
.ins-ptile {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 16px;
  border: 1.5px solid #e2e8f0;
  border-radius: 10px;
  margin-bottom: 8px;
  background: #F8FAFC;
}
.ins-ptile-left {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
  min-width: 130px;
}
.ins-ptile-icon {
  font-size: 22px;
  flex-shrink: 0;
  width: 30px;
  text-align: center;
}
.ins-ptile-info { min-width: 0; }
.ins-ptile-type {
  font-size: 13px;
  font-weight: 700;
  line-height: 1.3;
}
.ins-ptile-who {
  font-size: 11px;
  color: var(--muted);
  margin-top: 1px;
}
.ins-ptile-nums {
  display: flex;
  gap: 20px;
  flex: 1;
  flex-wrap: wrap;
}
.ins-ptile-num-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.ins-ptile-num-label {
  font-size: 10px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .4px;
  color: var(--muted);
}
.ins-ptile-num-val {
  font-size: 14px;
  font-weight: 700;
  color: #1A3A5C;
}
.ins-ptile-actions {
  display: flex;
  gap: 6px;
  flex-shrink: 0;
}
.ins-ptile-edit {
  padding: 5px 10px;
  font-size: 11px;
  font-weight: 600;
  background: #EEF6FF;
  color: #1e40af;
  border: 1px solid #BFDBFE;
  border-radius: 6px;
  cursor: pointer;
}
.ins-ptile-edit:hover { background: #DBEAFE; }
.ins-ptile-remove {
  padding: 5px 8px;
  font-size: 11px;
  background: #FFF1F2;
  color: #991b1b;
  border: 1px solid #FECDD3;
  border-radius: 6px;
  cursor: pointer;
}
.ins-ptile-remove:hover { background: #FFE4E6; }
@media (max-width: 560px) {
  .ins-ptile { flex-wrap: wrap; }
  .ins-ptile-nums { gap: 12px; }
}

/* ── Review: Your Answers — clean chevron-only header ── */
.rv-sec-hdr {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.rv-chevron {
  font-size: 11px;
  color: var(--muted);
  transition: transform .2s;
}
.rv-sec-wrap.open .rv-chevron {
  transform: rotate(90deg);
}

/* ── Sidebar: back to homepage button (below logo) ── */
.ff-sb-home-btn {
  display: block;
  margin: 8px 16px 4px;
  padding: 9px 14px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 8px;
  color: #e2e8f0;
  font-size: 12px;
  font-weight: 600;
  text-decoration: none;
  letter-spacing: .2px;
  transition: background .15s, color .15s;
}
.ff-sb-home-btn:hover {
  background: rgba(255,255,255,0.15);
  color: #fff;
}
/* Make logo area show pointer */
.ff-sb-brand { cursor: pointer; }

/* ── Assets: holdings table editing rows ── */
.az-hld-row {
  cursor: pointer;
  transition: background .12s;
}
.az-hld-row:hover td { background: #EEF6FF; }
.az-hld-editing td { background: #F0FDF4; }
.az-hld-save {
  padding: 3px 8px;
  background: #166534;
  color: #fff;
  border: none;
  border-radius: 5px;
  font-size: 11px;
  font-weight: 700;
  cursor: pointer;
}
.az-hld-save:hover { background: #14532d; }
.az-edit-tbl { width: 100%; border-collapse: collapse; font-size: 12px; }
.az-edit-tbl th {
  background: #F1F5F9;
  color: #475569;
  font-size: 10px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .4px;
  padding: 6px 8px;
  text-align: left;
}
.az-edit-tbl td { padding: 5px 8px; border-bottom: 1px solid #e2e8f0; vertical-align: middle; }

/* ── Assets: drawer field layout ── */
.az-drawer-field {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.az-drawer-field label {
  font-size: 11px;
  font-weight: 600;
  color: #475569;
}

/* ── Zone tab variant ── */
.az-zone-tab { border-radius: 10px; }

/* ── Review: card size variants ── */
.rvb-wide   { }
.rvb-compact { }