*,*::before,*::after{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:var(--sans);color:var(--ink);background:
  radial-gradient(1200px 600px at 80% -10%,rgba(95,168,245,.10),transparent 60%),
  radial-gradient(900px 500px at -10% 20%,rgba(242,177,56,.07),transparent 55%),
  var(--cloud);
  min-height:100vh;-webkit-font-smoothing:antialiased;line-height:1.5}
a{color:var(--sky);text-decoration:none}
button{font-family:inherit}

/* ---------- top bar ---------- */
.topbar{position:sticky;top:0;z-index:30;backdrop-filter:saturate(1.2) blur(10px);
  background:rgba(244,248,253,.82);border-bottom:1px solid rgba(18,49,88,.07)}
.topbar .in{max-width:var(--maxw);margin:0 auto;display:flex;align-items:center;gap:12px;
  padding:14px 24px;justify-content:space-between}
.brand{display:flex;align-items:center;gap:11px}
.brand img{height:40px;width:auto;display:block;filter:drop-shadow(0 2px 5px rgba(8,26,51,.18))}
.brand .w{font-size:10.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;
  line-height:1.18;color:var(--navy-800)}
.savebar{font-size:12.5px;color:var(--ink-mut);display:flex;align-items:center;gap:8px}
.savedot{width:8px;height:8px;border-radius:50%;background:var(--good);box-shadow:0 0 0 4px rgba(46,156,104,.15)}

/* ---------- progress ---------- */
.progress{max-width:var(--maxw);margin:0 auto;padding:18px 24px 0}
.steps{display:flex;gap:6px}
.steps .seg{height:6px;flex:1;border-radius:var(--r-pill);background:#dfe9f6;overflow:hidden;position:relative}
.steps .seg .fill{position:absolute;inset:0;width:0;background:linear-gradient(90deg,var(--sky),var(--sky-300));
  border-radius:inherit;transition:width .5s var(--ease-out)}
.steps .seg.done .fill{width:100%}
.steps .seg.cur .fill{width:60%}
.steplabel{margin-top:9px;font-size:12px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-mut)}

/* ---------- stage / card ---------- */
.stage{max-width:var(--maxw);margin:0 auto;padding:26px 24px 60px}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);
  box-shadow:var(--shadow);padding:46px 48px;min-height:60vh;position:relative;overflow:hidden}
.q-eyebrow{font-size:12px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--sky)}
.q-eyebrow.gold{color:var(--gold)}
h1.q{font-family:var(--serif);font-weight:600;font-size:clamp(30px,4.4vw,50px);line-height:1.12;padding-bottom:.04em;
  letter-spacing:-.01em;color:var(--navy-800);margin:10px 0 6px}
h1.q em{font-style:italic;color:var(--gold)}
.q-sub{color:var(--ink-soft);font-size:16.5px;line-height:1.6;max-width:560px;margin:10px 0 0}
.q-help{display:inline-flex;align-items:center;justify-content:center;width:20px;height:20px;border-radius:50%;
  border:1.5px solid var(--mist);color:var(--ink-mut);font-size:12px;font-weight:700;margin-left:8px;cursor:help;vertical-align:middle}

/* ---------- fields ---------- */
.fields{margin-top:30px;max-width:600px}
.field{margin-bottom:22px}
.field > label{display:block;font-size:13px;font-weight:700;letter-spacing:.02em;color:var(--navy-800);margin-bottom:8px}
.input{width:100%;border:1.6px solid var(--line);border-radius:var(--r-sm);padding:14px 16px;font:inherit;font-size:16px;
  color:var(--ink);background:var(--cloud);transition:border-color .2s,box-shadow .2s}
.input:focus{outline:none;border-color:var(--sky);box-shadow:0 0 0 4px rgba(29,111,224,.12);background:#fff}
.money{position:relative}
.money .pre{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--ink-mut);font-weight:700}
.money input{padding-left:30px}
.suffix{position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--ink-mut);font-size:13px}
.note{font-size:13px;color:var(--ink-mut);margin-top:7px;line-height:1.5}
.two{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:560px){.two{grid-template-columns:1fr}}

/* number stepper */
.nstep{display:flex;align-items:center;gap:0;border:1.6px solid var(--line);border-radius:var(--r-sm);
  background:var(--cloud);width:max-content;overflow:hidden}
.nstep button{width:46px;height:50px;border:none;background:transparent;font-size:22px;color:var(--sky);cursor:pointer}
.nstep button:hover{background:var(--sky-100)}
.nstep .val{min-width:78px;text-align:center;font-size:20px;font-weight:800;color:var(--navy-800)}

/* choice chips (yes/no, toggles) */
.choices{display:flex;gap:12px;flex-wrap:wrap}
.choice{flex:1;min-width:120px;border:1.6px solid var(--line);background:var(--cloud);border-radius:var(--r);
  padding:16px 18px;font-size:16px;font-weight:700;color:var(--navy-800);cursor:pointer;text-align:center;
  transition:.2s var(--ease-out)}
.choice:hover{border-color:var(--sky-300);transform:translateY(-2px)}
.choice.on{background:var(--navy-800);color:#fff;border-color:var(--navy-800);box-shadow:var(--shadow-sm)}

/* checkbox row */
.crow{display:flex;align-items:flex-start;gap:12px;padding:13px 15px;border:1.6px solid var(--line);
  border-radius:var(--r-sm);background:var(--cloud);cursor:pointer;margin-bottom:10px;transition:.18s}
.crow:hover{border-color:var(--sky-300)}
.crow.on{border-color:var(--sky);background:#fff}
.crow .box{width:22px;height:22px;border-radius:7px;border:2px solid var(--mist);flex:0 0 auto;display:grid;place-items:center;transition:.15s}
.crow.on .box{background:var(--sky);border-color:var(--sky)}
.crow.on .box::after{content:"";width:6px;height:11px;border:2.5px solid #fff;border-top:0;border-left:0;transform:rotate(40deg) translateY(-1px)}
.crow .t{font-weight:600;color:var(--navy-800)}

/* ---------- risk / range slider ---------- */
.slider-wrap{margin-top:6px}
.range{-webkit-appearance:none;appearance:none;width:100%;height:10px;border-radius:var(--r-pill);
  background:linear-gradient(90deg,var(--sky-300),var(--gold));outline:none}
.range::-webkit-slider-thumb{-webkit-appearance:none;width:30px;height:30px;border-radius:50%;background:#fff;
  border:3px solid var(--sky);box-shadow:0 4px 14px rgba(8,26,51,.25);cursor:grab}
.range::-moz-range-thumb{width:30px;height:30px;border-radius:50%;background:#fff;border:3px solid var(--sky);cursor:grab}
.range-scale{display:flex;justify-content:space-between;margin-top:10px;font-size:12.5px;color:var(--ink-mut);font-weight:600}
.risk-read{margin-top:22px;background:var(--sky-100);border:1px solid #d6e8fb;border-radius:var(--r);padding:18px 20px}
.risk-read .name{font-weight:800;color:var(--navy-800);font-size:18px}
.risk-read .desc{color:var(--ink-soft);font-size:14.5px;margin-top:4px}
.risk-read .ret{float:right;text-align:right}
.risk-read .ret b{font-size:26px;color:var(--sky);font-weight:800;display:block;line-height:1}
.risk-read .ret span{font-size:11.5px;color:var(--ink-mut);letter-spacing:.04em}

/* ---------- nav buttons ---------- */
.nav{display:flex;align-items:center;justify-content:space-between;margin-top:38px}
.btn{display:inline-flex;align-items:center;gap:10px;border:none;cursor:pointer;border-radius:var(--r-pill);
  font-weight:700;font-size:16px;padding:15px 30px;transition:.2s var(--ease-out)}
.btn-primary{background:var(--gold);color:var(--gold-ink);box-shadow:0 10px 26px rgba(242,177,56,.34)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 16px 32px rgba(242,177,56,.42)}
.btn-primary[disabled]{opacity:.45;cursor:not-allowed;transform:none;box-shadow:none}
.btn .arr{transition:transform .25s var(--ease-out)}
.btn-primary:hover .arr{transform:translateX(4px)}
.btn-ghost{background:transparent;color:var(--ink-mut);font-weight:600;padding:15px 6px}
.btn-ghost:hover{color:var(--navy-800)}

/* personal touch line */
.greet{display:inline-block;background:var(--sky-100);color:var(--sky);font-weight:700;font-size:13px;
  padding:6px 14px;border-radius:var(--r-pill);margin-bottom:6px}

/* ---------- result preview stub ---------- */
.resultwrap{display:grid;grid-template-columns:1.1fr .9fr;gap:30px;align-items:start}
@media(max-width:820px){.resultwrap{grid-template-columns:1fr}}
.gauge-c{text-align:center}
.statline{display:flex;justify-content:space-between;padding:11px 2px;border-bottom:1px solid var(--line);font-size:15px}
.statline b{font-variant-numeric:tabular-nums}

/* step transition */
.step-in{animation:stepIn .5s var(--ease-out) both}
@keyframes stepIn{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}

.footnote{max-width:var(--maxw);margin:0 auto;padding:0 24px 40px;color:var(--ink-mut);font-size:12px;line-height:1.5}
.footnote a{font-weight:600}
@media(max-width:560px){.card{padding:32px 22px}}

/* ---------- D4 result: KPIs + scrubbable timeline + levers ---------- */
.kpis{display:flex;gap:14px;flex-wrap:wrap;margin:14px 0 6px}
.kpi{flex:1;min-width:150px;background:var(--cloud);border:1px solid var(--line);border-radius:var(--r);padding:14px 16px}
.kpi .v{font-size:24px;font-weight:800;color:var(--navy-800);line-height:1;font-variant-numeric:tabular-nums}
.kpi .l{font-size:12px;color:var(--ink-mut);margin-top:5px}
.kpi.good .v{color:var(--good)} .kpi.warn .v{color:var(--warn)} .kpi.bad .v{color:var(--bad)}
.tlwrap{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:16px 14px 8px;margin-top:8px}
.tl-title{display:flex;justify-content:space-between;align-items:baseline;padding:0 4px 6px}
.tl-title b{font-size:13px;color:var(--navy-800)} .tl-title span{font-size:11.5px;color:var(--ink-mut)}
.tl svg{width:100%;height:auto;display:block}
.seg-cpp{fill:#1D6FE0}.seg-oas{fill:#7FBBFA}.seg-db{fill:#123158}.seg-inv{fill:#2E9C68}
.seg-cpp,.seg-oas,.seg-db,.seg-inv{transition:y .35s var(--ease-out),height .35s var(--ease-out)}
.tl-target{stroke:var(--bad);stroke-dasharray:5 5;stroke-width:2;fill:none}
.tl-gap{fill:rgba(194,96,63,.14)}
.tl-axis{fill:#8095ab;font-size:10px;font-family:Inter}
.tl-cliff{stroke:var(--bad);stroke-width:2;stroke-dasharray:3 3}
.tl-flag{fill:var(--bad);font-weight:800;font-size:11px;font-family:Inter}
.legend{display:flex;gap:16px;flex-wrap:wrap;padding:8px 6px 2px;font-size:12px;color:var(--ink-soft)}
.legend i{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.levers{display:grid;grid-template-columns:1fr 1fr;gap:14px 24px;background:var(--cloud);border:1px solid var(--line);border-radius:var(--r);padding:18px 20px;margin-top:16px}
@media(max-width:640px){.levers{grid-template-columns:1fr}}
.lever label{display:flex;justify-content:space-between;font-size:13px;font-weight:700;color:var(--navy-800);margin-bottom:6px}
.lever label b{color:var(--sky)}
.lever .range{height:8px}
.nudge{display:inline-block;background:var(--gold-200);color:#5a3d05;font-weight:700;font-size:12px;padding:5px 12px;border-radius:var(--r-pill);margin-bottom:10px}

/* two-column field alignment (labels of different heights still align inputs) */
.two .field{display:flex;flex-direction:column}
.two .field>label{min-height:38px}

/* ---------- insurance coverage-gap visual ---------- */
.gapnum{font-size:clamp(34px,5vw,52px);font-weight:800;line-height:1;font-variant-numeric:tabular-nums}
.needbar{margin-top:18px;background:var(--cloud);border:1px solid var(--line);border-radius:var(--r);padding:18px 20px}
.needbar .track{position:relative;height:46px;border-radius:12px;overflow:hidden;background:#e7eef7;display:flex}
.needbar .seg{height:100%;display:flex;align-items:center;justify-content:center;font-size:11px;font-weight:700;color:#fff;white-space:nowrap;transition:width .4s var(--ease-out)}
.seg-income{background:#1D6FE0}.seg-debt{background:#123158}.seg-final{background:#5FA8F5}.seg-legacy{background:#7FBBFA}
.needbar .have{position:absolute;top:0;bottom:0;left:0;background:repeating-linear-gradient(45deg,rgba(46,156,104,.0),rgba(46,156,104,.0) 6px,rgba(46,156,104,.18) 6px,rgba(46,156,104,.18) 12px);border-right:3px solid var(--good);transition:width .4s var(--ease-out)}
.needbar .havelab{position:absolute;top:-22px;font-size:11px;font-weight:700;color:var(--good);transform:translateX(-50%);white-space:nowrap;transition:left .4s var(--ease-out)}
.needbar .legend2{display:flex;gap:14px;flex-wrap:wrap;margin-top:14px;font-size:12px;color:var(--ink-soft)}
.needbar .legend2 i{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.minicov{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:16px}
@media(max-width:560px){.minicov{grid-template-columns:1fr}}
.minicov .c{border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;background:#fff}
.minicov .c .h{font-weight:800;color:var(--navy-800)}
.minicov .c .g{font-size:22px;font-weight:800;margin-top:4px}