:root{
  --brand:#1f3a5f;
  --brand-2:#c9a24b;
  --ink:#16202b;
  --muted:#5f6b78;
  --line:#e4e8ee;
  --bg:#f5f7fa;
  --card:#ffffff;
  --ok:#1c7c54;
  --warn:#b4690e;
  --danger:#b3261e;
  --radius:14px;
  --shadow:0 6px 24px rgba(20,32,43,.08);
  --shadow-lg:0 18px 50px rgba(20,32,43,.16);
  font-synthesis:none;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family:-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
.wrap{max-width:960px;margin:0 auto;padding:0 20px}
a{color:var(--brand);text-decoration:none}
a:hover{text-decoration:underline}
.muted{color:var(--muted)}
.small{font-size:.86rem}
.center{text-align:center}

/* Topbar */
#topbar{background:var(--brand);color:#fff;position:sticky;top:0;z-index:20;box-shadow:var(--shadow)}
.topbar-inner{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:12px;color:#fff}
.brand:hover{text-decoration:none}
.brand-mark{width:40px;height:40px;border-radius:10px;background:var(--brand-2);color:var(--brand);
  display:grid;place-items:center;font-weight:800;font-size:1.2rem;letter-spacing:-.02em}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-text strong{font-size:1.02rem}
.brand-text small{opacity:.8;font-size:.74rem;text-transform:uppercase;letter-spacing:.08em}
.topnav{display:flex;gap:8px;align-items:center}
.topnav a{color:#fff;padding:8px 14px;border-radius:9px;font-size:.9rem;font-weight:600}
.topnav a:hover{background:rgba(255,255,255,.12);text-decoration:none}
.topnav a.ghost{border:1px solid rgba(255,255,255,.35)}

/* Layout */
#view{padding:36px 20px 60px;min-height:60vh}
#foot{border-top:1px solid var(--line);background:#fff;padding:22px 0;margin-top:40px}
#foot p{margin:.25rem 0}

/* Hero */
.hero{text-align:center;padding:20px 0 8px}
.hero .eyebrow{color:var(--brand-2);font-weight:800;letter-spacing:.1em;text-transform:uppercase;font-size:.78rem}
.hero h1{font-size:2.35rem;line-height:1.12;margin:.35em 0 .3em;letter-spacing:-.02em}
.hero p.lead{font-size:1.14rem;color:var(--muted);max-width:640px;margin:0 auto 6px}
.trust{display:flex;gap:22px;justify-content:center;flex-wrap:wrap;margin:22px 0 4px;color:var(--muted);font-size:.9rem}
.trust span{display:flex;align-items:center;gap:7px}
.dot{width:8px;height:8px;border-radius:50%;background:var(--ok);display:inline-block}

/* Card */
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px}
.card.pad-lg{padding:34px}
.card.center{text-align:center}
.stack>*+*{margin-top:16px}

/* Wizard */
.wizard{max-width:620px;margin:26px auto 0}
.progress{height:6px;background:var(--line);border-radius:99px;overflow:hidden;margin-bottom:22px}
.progress>i{display:block;height:100%;background:linear-gradient(90deg,var(--brand),var(--brand-2));transition:width .4s ease}
.step h2{font-size:1.35rem;margin:0 0 4px}
.step .hint{color:var(--muted);margin:0 0 18px}
.options{display:grid;gap:10px}
.opt{display:flex;gap:12px;align-items:flex-start;border:1.5px solid var(--line);border-radius:12px;padding:14px 16px;cursor:pointer;background:#fff;transition:.15s;text-align:left;width:100%;font:inherit;color:inherit}
.opt:hover{border-color:var(--brand);background:#fafbfe}
.opt.sel{border-color:var(--brand);background:#f2f6fc;box-shadow:0 0 0 3px rgba(31,58,95,.08)}
.opt .ic{font-size:1.3rem;line-height:1}
.opt .t{font-weight:600}
.opt .d{color:var(--muted);font-size:.88rem}
label.fld{display:block;font-weight:600;margin-bottom:6px}
input[type=text],input[type=number],input[type=tel],select{
  width:100%;padding:13px 14px;border:1.5px solid var(--line);border-radius:11px;font:inherit;background:#fff}
input:focus,select:focus{outline:none;border-color:var(--brand);box-shadow:0 0 0 3px rgba(31,58,95,.1)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.wiz-actions{display:flex;justify-content:space-between;gap:12px;margin-top:24px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border:none;border-radius:11px;
  padding:13px 22px;font:inherit;font-weight:700;cursor:pointer;transition:.15s;text-decoration:none}
.btn.primary{background:var(--brand);color:#fff}
.btn.primary:hover{background:#17304f;text-decoration:none}
.btn.gold{background:var(--brand-2);color:var(--brand)}
.btn.gold:hover{filter:brightness(1.05);text-decoration:none}
.btn.wa{background:#25d366;color:#0b3d1f}
.btn.wa:hover{filter:brightness(1.03);text-decoration:none}
.btn.ghost{background:transparent;border:1.5px solid var(--line);color:var(--ink)}
.btn.ghost:hover{border-color:var(--muted)}
.btn.lg{padding:16px 30px;font-size:1.05rem}
.btn.block{width:100%}
.btn:disabled{opacity:.4;cursor:not-allowed}

/* Loading */
.analyzing{max-width:520px;margin:40px auto;text-align:center}
.spinner{width:54px;height:54px;border:5px solid var(--line);border-top-color:var(--brand);border-radius:50%;margin:0 auto 22px;animation:spin 1s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.an-steps{text-align:left;max-width:340px;margin:22px auto 0}
.an-steps li{list-style:none;padding:7px 0;color:var(--muted);opacity:.4;transition:.3s;display:flex;gap:10px;align-items:center}
.an-steps li.on{opacity:1;color:var(--ink);font-weight:600}
.an-steps li .chk{color:var(--ok)}

/* Result */
.result-head{text-align:center;margin-bottom:8px}
.badge{display:inline-block;padding:5px 13px;border-radius:99px;font-size:.78rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase}
.badge.green{background:#e6f4ec;color:var(--ok)}
.badge.amber{background:#fbf0dd;color:var(--warn)}
.badge.red{background:#fbe6e4;color:var(--danger)}
.money-hero{background:linear-gradient(135deg,var(--brand),#2c4f7c);color:#fff;border-radius:var(--radius);padding:30px;text-align:center;box-shadow:var(--shadow-lg);margin:18px 0}
.money-hero .lbl{opacity:.85;font-size:.92rem;text-transform:uppercase;letter-spacing:.08em}
.money-hero .amt{font-size:2.7rem;font-weight:800;letter-spacing:-.02em;margin:6px 0 2px}
.money-hero .rng{opacity:.9;font-size:1rem}
.breakdown{display:grid;gap:0;margin:6px 0}
.breakdown .li{display:flex;justify-content:space-between;padding:13px 2px;border-bottom:1px dashed var(--line)}
.breakdown .li:last-child{border-bottom:none}
.breakdown .li .k{color:var(--muted)}
.breakdown .li .v{font-weight:700;font-variant-numeric:tabular-nums}
.breakdown .li.tot{border-top:2px solid var(--ink);border-bottom:none;margin-top:6px;padding-top:14px;font-size:1.08rem}
.diag p{margin:.6em 0}
.diag .lawref{font-size:.82rem;color:var(--muted);background:#f4f6f9;border-left:3px solid var(--brand-2);padding:4px 10px;border-radius:0 6px 6px 0;display:inline-block;margin-top:2px}
.alert{border-radius:12px;padding:16px 18px;display:flex;gap:12px;align-items:flex-start}
.alert.urgent{background:#fbe6e4;border:1px solid #f2c4bf}
.alert.urgent .ic{font-size:1.4rem}
.alert .cd{font-weight:800;color:var(--danger)}
.cta-box{background:#f2f6fc;border:1px solid #d6e2f2;border-radius:var(--radius);padding:26px;text-align:center;margin-top:22px}
.cta-box h3{margin:0 0 6px;font-size:1.4rem}
.disclaimer{font-size:.82rem;color:var(--muted);background:#f4f6f9;border-radius:10px;padding:14px 16px;margin-top:20px}

/* KPIs / panel */
.kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:8px 0 26px}
.kpi{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px;box-shadow:var(--shadow)}
.kpi .n{font-size:1.7rem;font-weight:800;letter-spacing:-.02em}
.kpi .l{color:var(--muted);font-size:.84rem}
.kpi.accent{background:var(--brand);color:#fff}
.kpi.accent .l{color:rgba(255,255,255,.8)}
table.leads{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
table.leads th,table.leads td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);font-size:.92rem}
table.leads th{background:#f4f6f9;font-size:.78rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
table.leads tr:last-child td{border-bottom:none}
table.leads tbody tr:hover{background:#fafbfe}
.tag{display:inline-block;padding:2px 9px;border-radius:99px;font-size:.75rem;font-weight:700}
.tag.hot{background:#fbe6e4;color:var(--danger)}
.tag.warm{background:#fbf0dd;color:var(--warn)}
.tag.cold{background:#eef1f5;color:var(--muted)}
.panel-head{display:flex;justify-content:space-between;align-items:flex-end;flex-wrap:wrap;gap:12px;margin-bottom:6px}
.mono{font-variant-numeric:tabular-nums}

@media(max-width:720px){
  .hero h1{font-size:1.9rem}
  .kpis{grid-template-columns:1fr 1fr}
  .row2{grid-template-columns:1fr}
  .brand-text small{display:none}
  .topnav a{padding:8px 10px;font-size:.82rem}
  table.leads{display:block;overflow-x:auto;white-space:nowrap}
  .money-hero .amt{font-size:2.1rem}
}