@import url('https://fonts.googleapis.com/css2?family=Crimson+Pro:ital,wght@0,400;0,600;0,700;0,800;1,400&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&display=swap');

:root {
  --navy: #00295B;
  --navy-light: #003a80;
  --wine: #5b2333;
  --smoke: #f7f4f3;
  --stone: #564d4a;
  --stone-light: #7a706c;
  --cinnabar: #f24333;
  --mahogany: #ba1b1d;
  --white: #ffffff;
  --border: #e0dbd9;
  --border-focus: #00295B;
  --input-bg: #ffffff;
  --card-shadow: 0 1px 3px rgba(0,0,0,.04), 0 8px 24px rgba(0,0,0,.06);
  --card-shadow-hover: 0 2px 8px rgba(0,0,0,.06), 0 12px 32px rgba(0,0,0,.10);
  --transition: .2s cubic-bezier(.4,0,.2,1);
  --font-display: 'Crimson Pro', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;
  --radius: 10px;
  --radius-lg: 16px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { height: 100%; -webkit-font-smoothing: antialiased; }
body {
  height: 100%;
  font-family: var(--font-body);
  font-size: 14px;
  color: var(--stone);
  background: var(--smoke);
  line-height: 1.5;
}

/* ── Shell layout ── */
.shell {
  display: flex;
  min-height: 100vh;
}

/* ── Sidebar ── */
.sidebar {
  position: sticky;
  top: 0;
  width: 280px;
  min-width: 280px;
  height: 100vh;
  background: var(--navy);
  color: #ffffff;
  display: flex;
  flex-direction: column;
  padding: 36px 28px 28px;
  overflow-y: auto;
}

.sidebar__brand {
  margin-bottom: 48px;
}

.sidebar__logo {
  display: block;
}

.sidebar__logo-dot {
  display: inline-block;
  width: 8px;
  height: 8px;
  background: var(--cinnabar);
  border-radius: 50%;
  margin-left: 2px;
  vertical-align: super;
}

.sidebar__title {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 600;
  line-height: 1.3;
  margin-top: 12px;
  color: rgba(255,255,255,.85);
}

/* ── Step navigation ── */
.stepper {
  display: flex;
  flex-direction: column;
  gap: 0;
  flex: 1;
}

.stepper__item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  cursor: pointer;
  padding: 0;
  position: relative;
}
/* Resume mode: earlier steps are locked (onboarding already saved) —
   the stepper is a read-only progress indicator, not navigation. */
.stepper.is-locked .stepper__item { cursor: default; }

.stepper__track {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex-shrink: 0;
  width: 32px;
}

.stepper__circle {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: 2px solid rgba(255,255,255,.25);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,.4);
  background: transparent;
  transition: all var(--transition);
  position: relative;
  z-index: 1;
  flex-shrink: 0;
}

.stepper__circle svg {
  width: 16px;
  height: 16px;
  display: none;
}

.stepper__line {
  width: 2px;
  height: 32px;
  background: rgba(255,255,255,.12);
  transition: background var(--transition);
  flex-shrink: 0;
}

.stepper__item:last-child .stepper__line { display: none; }

.stepper__label {
  padding-top: 5px;
  padding-bottom: 37px;
  font-size: 13px;
  font-weight: 500;
  color: rgba(255,255,255,.35);
  transition: color var(--transition);
  line-height: 1.3;
  user-select: none;
}

/* Stepper states */
.stepper__item.is-done .stepper__circle {
  background: rgba(255,255,255,.15);
  border-color: rgba(255,255,255,.3);
  color: #ffffff;
}
.stepper__item.is-done .stepper__circle span { display: none; }
.stepper__item.is-done .stepper__circle svg { display: block; stroke: #ffffff; }
.stepper__item.is-done .stepper__line { background: rgba(255,255,255,.3); }
.stepper__item.is-done .stepper__label { color: rgba(255,255,255,.6); }

.stepper__item.is-active .stepper__circle {
  background: #ffffff;
  border-color: #ffffff;
  color: var(--navy);
  box-shadow: 0 0 0 4px rgba(255,255,255,.15);
}
.stepper__item.is-active .stepper__label {
  color: #ffffff;
  font-weight: 600;
}

/* ── Sidebar decorative elements ── */
.sidebar__footer {
  margin-top: auto;
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,.1);
  font-size: 11px;
  color: rgba(255,255,255,.3);
  line-height: 1.4;
}

.sidebar__pattern {
  display: flex;
  gap: 6px;
  margin-top: 16px;
}

.sidebar__pattern-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: rgba(255,255,255,.08);
}
.sidebar__pattern-dot:nth-child(1) { background: var(--wine); opacity: .6; }
.sidebar__pattern-dot:nth-child(3) { background: var(--cinnabar); opacity: .4; }
.sidebar__pattern-dot:nth-child(5) { background: var(--mahogany); opacity: .3; }

/* ── Content area ── */
.content {
  flex: 1;
  min-width: 0;
  display: flex;
  flex-direction: column;
  padding: 36px 40px 40px;
  overflow-y: auto;
}

.content__inner {
  max-width: 720px;
  width: 100%;
  margin: 0 auto;
}

/* ── Mobile top bar (hidden on desktop) ── */
.topbar-mobile {
  display: none;
  background: var(--navy);
  color: #ffffff;
  padding: 16px 20px;
}

.topbar-mobile__brand {
  font-weight: 700;
  font-size: 16px;
  letter-spacing: .1em;
  text-transform: uppercase;
}

.topbar-mobile__steps {
  display: flex;
  gap: 8px;
  margin-top: 14px;
}

.topbar-mobile__dot {
  width: 100%;
  height: 3px;
  border-radius: 3px;
  background: rgba(255,255,255,.15);
  transition: background var(--transition);
}
.topbar-mobile__dot.is-done { background: rgba(255,255,255,.45); }
.topbar-mobile__dot.is-active { background: #ffffff; }

/* ── Step header ── */
.step-header {
  margin-bottom: 28px;
}

.step-header__eyebrow {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 6px;
}

.step-header__title {
  font-family: var(--font-display);
  font-size: 32px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
}

.step-header__desc {
  margin-top: 8px;
  color: var(--stone-light);
  font-size: 14px;
  max-width: 480px;
}

/* ── Alerts ── */
.alerts { margin-bottom: 4px; }
.alert {
  padding: 12px 16px;
  border-radius: var(--radius);
  font-size: 13px;
  line-height: 1.4;
  display: flex;
  align-items: flex-start;
  gap: 10px;
  animation: alertIn .25s ease;
  margin-bottom: 20px;
}
.alert--error {
  background: #fef2f1;
  border: 1px solid #f8d4d0;
  color: var(--mahogany);
}
.alert--ok {
  background: #eef7f0;
  border: 1px solid #c8e6cd;
  color: #1a6b2a;
}
.alert__icon {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 1px;
}

@keyframes alertIn {
  from { opacity: 0; transform: translateY(-6px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ── Form sections ── */
.step {
  animation: stepIn .3s ease;
}
.step[hidden] { display: none !important; }

@keyframes stepIn {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ── Field grid ── */
.fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.fields--single { grid-template-columns: 1fr; }
.field--full { grid-column: 1 / -1; }

/* ── Field ── */
.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.field__label {
  font-size: 13px;
  font-weight: 500;
  color: var(--stone);
  display: flex;
  align-items: center;
  gap: 4px;
}

.field__label .req {
  color: var(--cinnabar);
  font-weight: 700;
}

.field__input,
.field__select {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  background: var(--input-bg);
  color: var(--stone);
  font-family: var(--font-body);
  font-size: 14px;
  outline: none;
  transition: border-color var(--transition), box-shadow var(--transition);
  -webkit-appearance: none;
  appearance: none;
}

.field__select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath d='M3 4.5L6 7.5L9 4.5' stroke='%23564d4a' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 36px;
}

.field__input:focus,
.field__select:focus {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(0,41,91,.1);
}

.field__input::placeholder { color: #b5aeab; }

.field__input.is-invalid,
.field__select.is-invalid {
  border-color: var(--cinnabar);
  box-shadow: 0 0 0 3px rgba(242,67,51,.08);
}

/* Used for fields pre-populated by the system (e.g. referral code from
   a ?referal-code= URL param). Visibly distinct from an editable field
   so the user understands the value came from the link. */
.field__input--locked,
.field__input--locked:focus {
  background: #f7f4f3;
  color: var(--stone);
  cursor: not-allowed;
  border-color: var(--border);
  box-shadow: none;
}

.field__hint {
  font-size: 12px;
  color: var(--stone-light);
  line-height: 1.3;
}

.field__error {
  font-size: 12px;
  color: var(--cinnabar);
  line-height: 1.3;
  display: none;
}
.field__input.is-invalid ~ .field__error,
.field__select.is-invalid ~ .field__error { display: block; }

/* ── Phone field prefix ── */
.field__phone-wrap {
  display: flex;
  align-items: stretch;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  background: var(--input-bg);
  transition: border-color var(--transition), box-shadow var(--transition);
  overflow: hidden;
}

.field__phone-wrap:focus-within {
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(0,41,91,.1);
}

.field__phone-wrap.is-invalid {
  border-color: var(--cinnabar);
  box-shadow: 0 0 0 3px rgba(242,67,51,.08);
}

.field__phone-prefix {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 0 12px;
  background: #f5f2f0;
  border-right: 1.5px solid var(--border);
  font-size: 13px;
  color: var(--stone-light);
  white-space: nowrap;
  user-select: none;
}

.field__phone-prefix .flag {
  font-size: 16px;
  line-height: 1;
}

.field__phone-input {
  flex: 1;
  border: none;
  padding: 11px 14px;
  background: transparent;
  font-family: var(--font-body);
  font-size: 14px;
  color: var(--stone);
  outline: none;
  min-width: 0;
}

.field__phone-input::placeholder { color: #b5aeab; }

/* ── Searchable select ── */
.search-select {
  position: relative;
}

.search-select__control {
  position: relative;
}

.search-select__control .field__input {
  padding-right: 32px;
  cursor: text;
}

.search-select__chevron {
  position: absolute;
  right: 12px;
  top: 50%;
  transform: translateY(-50%);
  width: 12px;
  height: 12px;
  color: var(--stone-light);
  pointer-events: none;
  transition: transform var(--transition);
}

.search-select.is-open .search-select__chevron {
  transform: translateY(-50%) rotate(180deg);
}

.search-select__dropdown {
  display: none;
  position: absolute;
  top: calc(100% + 4px);
  left: 0;
  right: 0;
  max-height: 220px;
  overflow-y: auto;
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  box-shadow: 0 8px 24px rgba(0,0,0,.1);
  z-index: 50;
  padding: 4px;
}

.search-select.is-open .search-select__dropdown {
  display: block;
  animation: dropdownIn .15s ease;
}

@keyframes dropdownIn {
  from { opacity: 0; transform: translateY(-4px); }
  to { opacity: 1; transform: translateY(0); }
}

.search-select__option {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 9px 12px;
  border-radius: 6px;
  cursor: pointer;
  font-size: 13px;
  color: var(--stone);
  transition: background var(--transition);
  line-height: 1.3;
}

.search-select__option:hover,
.search-select__option.is-highlighted {
  background: rgba(0,41,91,.06);
}

.search-select__option.is-selected {
  font-weight: 600;
  color: var(--navy);
  background: rgba(0,41,91,.06);
}

.search-select__option-flag {
  font-size: 18px;
  line-height: 1;
  flex-shrink: 0;
}

.search-select__option-text {
  flex: 1;
  min-width: 0;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}

.search-select__empty {
  padding: 16px 12px;
  text-align: center;
  font-size: 13px;
  color: var(--stone-light);
}

.search-select__loading {
  padding: 16px 12px;
  text-align: center;
  font-size: 13px;
  color: var(--stone-light);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.search-select__loading .spinner {
  border-color: var(--border);
  border-top-color: var(--navy);
}

.search-select .field__input.is-invalid {
  border-color: var(--cinnabar);
  box-shadow: 0 0 0 3px rgba(242,67,51,.08);
}

/* ── File upload ── */
.upload-zone {
  border: 2px dashed var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  text-align: center;
  cursor: pointer;
  transition: all var(--transition);
  position: relative;
  background: #faf9f8;
}

.upload-zone:hover {
  border-color: var(--navy);
  background: #f5f3f1;
}

.upload-zone.is-dragover {
  border-color: var(--navy);
  background: rgba(0,41,91,.04);
}

.upload-zone.has-file {
  border-style: solid;
  border-color: var(--border);
}

.upload-zone.is-invalid {
  border-color: var(--cinnabar);
}

.upload-zone__icon {
  width: 40px;
  height: 40px;
  margin: 0 auto 12px;
  color: var(--stone-light);
}

.upload-zone__text {
  font-size: 14px;
  color: var(--stone);
  font-weight: 500;
}

.upload-zone__text em {
  color: var(--navy);
  font-style: normal;
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.upload-zone__hint {
  font-size: 12px;
  color: var(--stone-light);
  margin-top: 4px;
}

.upload-zone input[type="file"] {
  position: absolute;
  inset: 0;
  opacity: 0;
  cursor: pointer;
}

.upload-preview {
  display: flex;
  align-items: center;
  gap: 14px;
  text-align: left;
}

.upload-preview__thumb {
  width: 56px;
  height: 56px;
  border-radius: 8px;
  object-fit: cover;
  border: 1px solid var(--border);
  flex-shrink: 0;
}

.upload-preview__info {
  flex: 1;
  min-width: 0;
}

.upload-preview__name {
  font-size: 13px;
  font-weight: 600;
  color: var(--stone);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.upload-preview__size {
  font-size: 12px;
  color: var(--stone-light);
  margin-top: 2px;
}

.upload-preview__remove {
  appearance: none;
  border: none;
  background: #f0edeb;
  width: 28px;
  height: 28px;
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  color: var(--stone-light);
  transition: all var(--transition);
  flex-shrink: 0;
}

.upload-preview__remove:hover {
  background: #fef2f1;
  color: var(--cinnabar);
}

/* ── Checkbox ── */
.checkbox {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin-top: 8px;
  cursor: pointer;
}

.checkbox input {
  width: 18px;
  height: 18px;
  border-radius: 4px;
  border: 1.5px solid var(--border);
  appearance: none;
  background: var(--white);
  cursor: pointer;
  transition: all var(--transition);
  flex-shrink: 0;
  margin-top: 1px;
  position: relative;
}

.checkbox input:checked {
  background: var(--navy);
  border-color: var(--navy);
}

.checkbox input:checked::after {
  content: '';
  position: absolute;
  top: 3px;
  left: 5.5px;
  width: 5px;
  height: 8px;
  border: solid #fff;
  border-width: 0 2px 2px 0;
  transform: rotate(45deg);
}

.checkbox__text {
  font-size: 13px;
  color: var(--stone-light);
  line-height: 1.4;
}

/* ── Beneficiary card ── */
.beneficiary-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--card-shadow);
  margin-bottom: 16px;
}

.beneficiary-card__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 18px;
  background: #faf9f8;
  border-bottom: 1px solid var(--border);
}

.beneficiary-card__title {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .04em;
}

.beneficiary-card__remove {
  appearance: none;
  border: none;
  background: none;
  font-size: 12px;
  font-weight: 600;
  color: var(--cinnabar);
  cursor: pointer;
  padding: 4px 8px;
  border-radius: 6px;
  transition: background var(--transition);
  font-family: var(--font-body);
}

.beneficiary-card__remove:hover { background: #fef2f1; }

.beneficiary-card .fields {
  padding: 18px;
}

/* ── Projection card ── */
.projection {
  margin-top: 24px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  box-shadow: var(--card-shadow);
}

.projection__label {
  font-size: 13px;
  color: var(--stone-light);
  font-weight: 500;
}

.projection__value {
  font-family: var(--font-display);
  font-size: 28px;
  font-weight: 700;
  color: var(--navy);
  line-height: 1;
  transition: all .3s ease;
}

.projection__detail {
  font-size: 12px;
  color: var(--stone-light);
  margin-top: 4px;
}

/* ── Retirement projection (step 3) — inline benefit calc preview ── */
.retirement-projection {
  margin-top: 16px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 22px 24px;
  box-shadow: 0 10px 28px rgba(0, 41, 91, .22);
}
.retirement-projection__top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.retirement-projection__head { min-width: 0; flex: 1; }
.retirement-projection__label {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .08em;
  opacity: .8;
  margin-bottom: 6px;
}
.retirement-projection__value {
  font-family: var(--font-display);
  font-size: clamp(24px, 4.5vw, 36px);
  font-weight: 700;
  line-height: 1.1;
  font-variant-numeric: tabular-nums;
  display: inline-flex;
  align-items: baseline;
  gap: 8px;
  transition: opacity .2s ease;
}
.retirement-projection__currency {
  font-size: .55em;
  font-weight: 500;
  opacity: .7;
}
.retirement-projection__detail {
  font-size: 12px;
  color: rgba(255, 255, 255, .82);
  margin-top: 6px;
  line-height: 1.5;
}
.retirement-projection__link {
  border: 1px solid rgba(255, 255, 255, .35);
  background: rgba(255, 255, 255, .08);
  color: #fff;
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  padding: 8px 12px;
  border-radius: 8px;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  flex-shrink: 0;
  transition: background var(--transition), border-color var(--transition);
}
.retirement-projection__link:hover {
  background: rgba(255, 255, 255, .18);
  border-color: rgba(255, 255, 255, .55);
}
.retirement-projection__link svg { width: 12px; height: 12px; }
.retirement-projection__spinner {
  display: inline-block;
  width: 18px;
  height: 18px;
  border: 2px solid rgba(255, 255, 255, .25);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin .7s linear infinite;
  vertical-align: middle;
}
.retirement-projection__spinner[hidden] { display: none; }
.retirement-projection__note,
.retirement-projection__error {
  font-size: 11px;
  margin: 10px 0 0;
  line-height: 1.5;
}
.retirement-projection__note { color: rgba(255, 255, 255, .72); font-style: italic; }
.retirement-projection__error { color: #ffd0d0; font-weight: 500; }
.retirement-projection.is-loading .retirement-projection__value { opacity: .5; }

/* ── Review ── */
.review-sections { display: flex; flex-direction: column; gap: 20px; }

.review-section {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--card-shadow);
}

.review-section__header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 18px;
  border-bottom: 1px solid var(--border);
  background: #faf9f8;
}

.review-section__title {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: .04em;
}

.review-section__edit {
  appearance: none;
  border: none;
  background: none;
  font-size: 12px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  padding: 4px 8px;
  border-radius: 6px;
  transition: background var(--transition);
  font-family: var(--font-body);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.review-section__edit:hover { background: rgba(0,41,91,.06); }

.review-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  padding: 4px 0;
}

.review-item {
  padding: 10px 18px;
}

.review-item--full { grid-column: 1 / -1; }

.review-item__label {
  font-size: 11px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: .04em;
  color: var(--stone-light);
  margin-bottom: 2px;
}

.review-item__value {
  font-size: 14px;
  font-weight: 600;
  color: var(--stone);
}

.disclosure {
  margin-top: 20px;
  padding: 16px 18px;
  background: rgba(0,41,91,.04);
  border: 1px solid rgba(0,41,91,.12);
  border-radius: var(--radius);
  font-size: 13px;
  line-height: 1.45;
  color: var(--stone);
}

.disclosure strong { color: var(--navy); }

/* ── Payment ── */
.payment-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--card-shadow);
}

.payment-card__header {
  background: var(--navy);
  color: #ffffff;
  padding: 20px 24px;
}

.payment-card__title {
  font-size: 13px;
  font-weight: 500;
  opacity: .7;
  text-transform: uppercase;
  letter-spacing: .06em;
}

.payment-card__amount {
  font-family: var(--font-display);
  font-size: 36px;
  font-weight: 700;
  margin-top: 4px;
}

.payment-card__body {
  padding: 24px;
}

.payment-card__detail {
  font-size: 13px;
  color: var(--stone-light);
  margin-bottom: 20px;
  line-height: 1.5;
}

.payment-card__sim-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .05em;
  color: var(--stone-light);
  background: #f5f2f0;
  padding: 5px 10px;
  border-radius: 6px;
  margin-bottom: 16px;
}

/* ── Pay method cards ── */
.pay-methods {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.pay-method {
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 20px 16px 16px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.pay-method__icon {
  width: 32px;
  height: 32px;
  color: var(--navy);
}

.pay-method__icon svg {
  width: 100%;
  height: 100%;
}

.pay-method__title {
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
}

.pay-method__desc {
  font-size: 12px;
  color: var(--stone-light);
  line-height: 1.45;
  flex: 1;
}

.pay-method__btn {
  width: 100%;
  margin-top: 8px;
}

.momo-field-network {
  margin-bottom: 10px;
}

/* MoMo payment flow (after "Pay with MoMo") */
.momo-progress {
  margin-top: 14px;
  padding: 14px 12px 12px;
  background: linear-gradient(180deg, rgba(0,41,91,.06) 0%, rgba(0,41,91,.03) 100%);
  border: 1px solid rgba(0,41,91,.12);
  border-radius: var(--radius-lg);
  text-align: left;
}

.momo-progress__bar {
  height: 4px;
  background: rgba(0,41,91,.1);
  border-radius: 4px;
  overflow: hidden;
  margin-bottom: 12px;
}

.momo-progress__fill {
  height: 100%;
  width: 0%;
  background: var(--navy);
  border-radius: 4px;
  transition: width .35s ease;
}

.momo-progress__eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--navy);
  opacity: .85;
  margin-bottom: 6px;
}

.momo-progress__status {
  font-size: 14px;
  font-weight: 600;
  color: var(--stone);
  line-height: 1.45;
  margin: 0 0 6px;
}

.momo-progress__hint {
  font-size: 12px;
  color: var(--stone-light);
  line-height: 1.45;
  margin: 0 0 12px;
}

.momo-progress__actions {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.momo-progress__actions .pay-method__btn {
  margin-top: 0;
}

.pay-method.is-momo-busy {
  opacity: .92;
}

@media (max-width: 480px) {
  .pay-methods { grid-template-columns: 1fr; }
}

/* ── Confirmation ── */
/* ── Intro step (step 0) ── */
.step--intro {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-height: 100%;
  padding: 32px 16px;
}
.intro-card {
  width: 100%;
  max-width: 680px;
  text-align: center;
}
.intro-card__eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--gold, #c9a84c);
  margin-bottom: 10px;
}
.intro-card__title {
  font-size: clamp(1.6rem, 4vw, 2.4rem);
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 10px;
}
.intro-card__desc {
  font-size: 15px;
  color: var(--stone);
  margin: 0 0 28px;
  line-height: 1.6;
}
.intro-card__video-wrap {
  position: relative;
  width: 100%;
  padding-bottom: 56.25%; /* 16:9 */
  border-radius: 14px;
  overflow: hidden;
  background: #000;
  margin-bottom: 28px;
  box-shadow: 0 8px 32px rgba(0,0,0,.18);
}
.intro-card__video-wrap video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  border: none;
  border-radius: 14px;
}
.intro-card__cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 16px;
  padding: 14px 32px;
}
.intro-card__actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  justify-content: center;
}

.confirm-card {
  text-align: center;
  padding: 48px 32px;
}

.confirm-card__check {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: #eef7f0;
  border: 2px solid #b8dfc0;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  animation: confirmPop .4s cubic-bezier(.34,1.56,.64,1);
}

.confirm-card__check svg {
  width: 32px;
  height: 32px;
  stroke: #1a6b2a;
  stroke-dasharray: 50;
  stroke-dashoffset: 50;
  animation: checkDraw .5s ease .3s forwards;
}

@keyframes confirmPop {
  from { transform: scale(0); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}

@keyframes checkDraw {
  to { stroke-dashoffset: 0; }
}

.confirm-card__title {
  font-family: var(--font-display);
  font-size: 28px;
  font-weight: 700;
  color: var(--navy);
}

.confirm-card__text {
  margin-top: 10px;
  font-size: 14px;
  color: var(--stone-light);
  max-width: 400px;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.5;
}

.confirm-card__ref {
  margin-top: 20px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  background: #f5f2f0;
  border-radius: 8px;
  font-size: 13px;
  font-weight: 500;
  color: var(--stone);
  font-family: monospace;
}

.confirm-card__referral {
  margin-top: 24px;
  width: 100%;
  text-align: left;
}
.confirm-card__referral-label {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--stone);
  margin-bottom: 8px;
}
.confirm-card__referral-row {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #f5f2f0;
  border-radius: 10px;
  padding: 10px 14px;
  border: 1px solid #e4dfd9;
}
.confirm-card__referral-url {
  flex: 1;
  font-family: monospace;
  font-size: 12.5px;
  color: var(--navy);
  word-break: break-all;
  line-height: 1.4;
}
.confirm-card__referral-copy {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: var(--navy);
  color: #fff;
  border: none;
  border-radius: 7px;
  padding: 6px 12px;
  font-size: 12px;
  font-weight: 600;
  cursor: pointer;
  transition: opacity .15s;
}
.confirm-card__referral-copy:hover { opacity: .85; }

/* ── Buttons ── */
.form-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding-top: 28px;
  margin-top: 32px;
  border-top: 1px solid var(--border);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  border: 1.5px solid transparent;
  text-decoration: none;
  line-height: 1;
  white-space: nowrap;
}

.btn:disabled {
  opacity: .5;
  cursor: not-allowed;
}

.btn--ghost {
  background: transparent;
  border-color: var(--border);
  color: var(--stone);
}
.btn--ghost:hover:not(:disabled) {
  background: #f0edeb;
  border-color: #ccc7c4;
}

.btn--primary {
  background: var(--navy);
  border-color: var(--navy);
  color: #ffffff;
}
.btn--primary:hover:not(:disabled) {
  background: var(--navy-light);
  border-color: var(--navy-light);
  box-shadow: 0 4px 12px rgba(0,41,91,.25);
}
.btn--sm {
  padding: 8px 14px;
  font-size: 13px;
}

/* ── Resume OTP dialog spacing ── */
/* The confirm-dialog actions sit flush under the input by default; give
   the resume dialog's field + error breathing room before the buttons. */
#resumeOtpDialog .field,
#resumeOtpDialog .bc-error:not([hidden]) {
  margin-bottom: 20px;
}
#resumeOtpDialog .confirm-dialog__actions {
  margin-top: 8px;
}

/* ── Intro "complete your payment" link (OTP resume entry) ── */
.intro-card__resume {
  margin-top: 18px;
  font-size: 13px;
  color: var(--stone-light);
  text-align: center;
}
.intro-card__resume-link {
  border: none;
  background: transparent;
  color: var(--navy);
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  text-decoration: underline;
  padding: 0 2px;
}
.intro-card__resume-link:hover { color: var(--navy-light); }

/* ── Resume banner (Phase 1 same-device payment retry) ── */
.resume-banner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  width: 100%;
  max-width: 680px;   /* align with .intro-card so they stack cleanly */
  text-align: left;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 16px 20px;
  margin-bottom: 20px;
  box-shadow: 0 8px 24px rgba(0, 41, 91, .18);
}
.resume-banner[hidden] { display: none; }
.resume-banner__title {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 2px;
}
.resume-banner__desc {
  font-size: 13px;
  color: rgba(255, 255, 255, .85);
}
.resume-banner__actions {
  display: flex;
  align-items: center;
  gap: 8px;
}
.resume-banner__dismiss {
  border: none;
  background: transparent;
  color: rgba(255, 255, 255, .7);
  font-size: 22px;
  line-height: 1;
  cursor: pointer;
  padding: 0 4px;
  transition: color var(--transition);
}
.resume-banner__dismiss:hover { color: #fff; }

.btn--wine {
  background: var(--wine);
  border-color: var(--wine);
  color: #ffffff;
}
.btn--wine:hover:not(:disabled) {
  box-shadow: 0 4px 12px rgba(91,35,51,.25);
}

.btn--danger {
  background: var(--cinnabar);
  border-color: var(--cinnabar);
  color: #ffffff;
}

.btn svg {
  width: 16px;
  height: 16px;
  flex-shrink: 0;
}

/* ── Spinner ── */
.spinner {
  width: 16px;
  height: 16px;
  border: 2px solid rgba(255,255,255,.3);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin .6s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ── Divider ── */
.section-divider {
  height: 1px;
  background: var(--border);
  margin: 24px 0;
  border: none;
}

/* ── Confirm dialog ── */
.confirm-dialog {
  position: fixed;
  inset: 0;
  margin: auto;
  border: none;
  border-radius: var(--radius-lg);
  padding: 28px;
  max-width: 440px;
  width: calc(100% - 32px);
  height: fit-content;
  max-height: calc(100% - 32px);
  box-shadow: var(--card-shadow-hover);
  font-family: var(--font-body);
  color: var(--stone);
  background: var(--white);
}
.confirm-dialog::backdrop {
  background: rgba(0, 41, 91, .45);
  backdrop-filter: blur(2px);
}
.confirm-dialog__title {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 22px;
  color: var(--navy);
  margin-bottom: 12px;
}
.confirm-dialog__body {
  font-size: 14px;
  line-height: 1.55;
  margin-bottom: 24px;
}
.confirm-dialog__actions {
  display: flex;
  justify-content: flex-end;
  gap: 12px;
  flex-wrap: wrap;
}
.confirm-dialog__loading:not([hidden]) {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 16px;
  padding: 12px 0 4px;
}
.confirm-dialog__spinner {
  width: 36px;
  height: 36px;
  border: 3px solid rgba(0, 41, 91, .15);
  border-top-color: var(--navy);
  border-radius: 50%;
  animation: spin .7s linear infinite;
}
.confirm-dialog__loading-text {
  font-size: 14px;
  color: var(--stone);
  margin: 0;
}
/* ── Benefit calculator dialog ── */
.bc-dialog {
  position: fixed;
  inset: 0;
  margin: auto;
  border: none;
  border-radius: 18px;
  padding: 0;
  width: min(720px, calc(100% - 24px));
  max-height: calc(100vh - 24px);
  background: var(--white);
  box-shadow: 0 24px 64px rgba(0, 41, 91, .22);
  font-family: var(--font-body);
  color: var(--stone);
  overflow: hidden;
}
.bc-dialog::backdrop {
  background: rgba(0, 41, 91, .55);
  backdrop-filter: blur(3px);
}
.bc-dialog .bc-view {
  padding: 32px 36px 28px;
  max-height: calc(100vh - 24px);
  overflow-y: auto;
}
.bc-dialog__close {
  position: absolute;
  top: 14px;
  right: 14px;
  width: 32px;
  height: 32px;
  border: none;
  background: rgba(0, 41, 91, .06);
  color: var(--stone);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background var(--transition), color var(--transition);
  z-index: 1;
}
.bc-dialog__close:hover {
  background: rgba(0, 41, 91, .12);
  color: var(--navy);
}
.bc-dialog__close svg { width: 14px; height: 14px; }

.bc-header {
  text-align: center;
  margin-bottom: 24px;
}
.bc-result .bc-header { margin-bottom: 14px; }
.bc-result .bc-header__icon { width: 40px; height: 40px; margin-bottom: 8px; }
.bc-result .bc-title { font-size: 20px; margin-bottom: 4px; }
.bc-header__icon {
  width: 48px;
  height: 48px;
  margin: 0 auto 12px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 20px rgba(0, 41, 91, .25);
}
.bc-header__icon svg { width: 22px; height: 22px; }
.bc-header__icon--success {
  background: linear-gradient(135deg, #1a8754, #2bb673);
  box-shadow: 0 8px 20px rgba(26, 135, 84, .25);
}
.bc-title {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 6px;
  line-height: 1.2;
}
.bc-subtitle {
  font-size: 13px;
  color: var(--stone-light);
  line-height: 1.5;
  margin: 0;
}

.bc-section { margin-bottom: 18px; }
.bc-section__label {
  font-family: var(--font-body);
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--stone-light);
  margin: 0 0 8px;
}
.bc-grid { display: grid; gap: 10px; }
.bc-grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.bc-grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.bc-grid--1 { grid-template-columns: 1fr; }
@media (max-width: 560px) {
  .bc-grid--3, .bc-grid--2 { grid-template-columns: 1fr; }
  .bc-dialog .bc-view { padding: 24px 20px; }
}

.bc-field { display: flex; flex-direction: column; gap: 5px; }
.bc-field__label {
  font-size: 12px;
  color: var(--stone);
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 6px;
}
.bc-field__hint {
  font-size: 10px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .04em;
  color: var(--stone-light);
  background: rgba(0, 41, 91, .06);
  padding: 1px 6px;
  border-radius: 6px;
}
.bc-info {
  border: none;
  background: transparent;
  width: 14px;
  height: 14px;
  padding: 0;
  cursor: pointer;
  color: var(--stone-light);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  position: relative;
  transition: color var(--transition);
}
.bc-info:hover,
.bc-info:focus,
.bc-info[aria-expanded="true"] {
  color: var(--navy);
  outline: none;
}
.bc-info svg { width: 100%; height: 100%; display: block; }
.bc-info::before,
.bc-info::after {
  opacity: 0;
  pointer-events: none;
  transition: opacity .15s;
  position: absolute;
  z-index: 10;
}
/* Tooltip is anchored to the icon's left edge by default so it extends
   rightward — this keeps tooltips on left/middle-column fields safely
   inside the dialog. The :last-child rule below flips it for the
   right-most column so tooltips there extend leftward instead. */
.bc-info::before {
  content: '';
  bottom: calc(100% + 2px);
  left: 4px;
  width: 0;
  height: 0;
  border-left: 5px solid transparent;
  border-right: 5px solid transparent;
  border-top: 5px solid var(--navy);
}
.bc-info::after {
  content: attr(data-tip);
  bottom: calc(100% + 7px);
  left: 0;
  background: var(--navy);
  color: #fff;
  padding: 8px 12px;
  border-radius: 8px;
  font-size: 11px;
  font-weight: 400;
  letter-spacing: 0;
  text-transform: none;
  line-height: 1.5;
  white-space: normal;
  width: max-content;
  max-width: 220px;
  box-shadow: 0 6px 16px rgba(0, 0, 0, .18);
}
.bc-grid > .bc-field:last-child .bc-info::after {
  left: auto;
  right: 0;
}
.bc-grid > .bc-field:last-child .bc-info::before {
  left: auto;
  right: 4px;
}
/* Defensive: if a tooltip ever overlaps an input that's being interacted
   with, hide it. Keeps focus on the field the user is editing. */
.bc-field:has(.bc-field__input:focus) .bc-info::before,
.bc-field:has(.bc-field__input:focus) .bc-info::after,
.bc-field:has(.bc-field__input-wrap:hover) .bc-info::before,
.bc-field:has(.bc-field__input-wrap:hover) .bc-info::after {
  opacity: 0 !important;
}
.bc-info:hover::before,
.bc-info:hover::after,
.bc-info:focus::before,
.bc-info:focus::after,
.bc-info[aria-expanded="true"]::before,
.bc-info[aria-expanded="true"]::after {
  opacity: 1;
}
.bc-field__input-wrap {
  position: relative;
  display: flex;
  align-items: center;
  background: var(--input-bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.bc-field__input-wrap:focus-within {
  border-color: var(--border-focus);
  box-shadow: 0 0 0 3px rgba(0, 41, 91, .12);
}
.bc-field__input {
  flex: 1;
  width: 100%;
  border: none;
  background: transparent;
  padding: 10px 12px;
  font-family: var(--font-body);
  font-size: 14px;
  color: var(--navy);
  font-weight: 600;
  font-variant-numeric: tabular-nums;
  outline: none;
}
.bc-field__input--with-prefix { padding-left: 4px; }
.bc-field__prefix,
.bc-field__suffix {
  font-size: 12px;
  font-weight: 600;
  color: var(--stone-light);
  padding: 0 12px;
  pointer-events: none;
  user-select: none;
}
.bc-field__prefix { padding-right: 0; }
.bc-field__input::-webkit-outer-spin-button,
.bc-field__input::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}
.bc-field__input { -moz-appearance: textfield; }

.bc-error:not([hidden]) {
  display: block;
  margin: 12px 0 0;
  padding: 10px 14px;
  background: #fde7e7;
  color: #b42318;
  border: 1px solid #f5b8b8;
  border-radius: 10px;
  font-size: 13px;
}

.bc-actions {
  display: flex;
  justify-content: flex-end;
  gap: 10px;
  margin-top: 20px;
  padding-top: 18px;
  border-top: 1px solid var(--border);
}
/* On the result view, pin the actions to the bottom of the scroll
   container so Recalculate / Close are always reachable without
   scrolling — the result has charts + breakdowns and is the tallest
   view in the dialog. White bg so content scrolling under it doesn't
   bleed through. */
.bc-result .bc-actions {
  position: sticky;
  bottom: 0;
  background: var(--white);
  margin-top: 16px;
  padding-bottom: 4px;
}

.bc-loading {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 64px 36px;
  min-height: 280px;
}
.bc-loading[hidden] { display: none; }
.bc-spinner {
  width: 44px;
  height: 44px;
  border: 3px solid rgba(0, 41, 91, .12);
  border-top-color: var(--navy);
  border-radius: 50%;
  animation: spin .7s linear infinite;
  margin-bottom: 16px;
}
.bc-loading__text {
  font-size: 14px;
  color: var(--stone);
  margin: 0;
}

.bc-result[hidden] { display: none; }
.bc-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff;
  border-radius: 14px;
  padding: 18px 22px;
  text-align: center;
  margin-bottom: 14px;
  box-shadow: 0 8px 24px rgba(0, 41, 91, .18);
}
.bc-hero__label {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .08em;
  opacity: .8;
  margin-bottom: 6px;
}
.bc-hero__value {
  font-family: var(--font-display);
  font-size: clamp(28px, 5vw, 40px);
  font-weight: 700;
  line-height: 1.1;
  font-variant-numeric: tabular-nums;
  display: inline-flex;
  align-items: baseline;
  gap: 8px;
}
.bc-hero__currency {
  font-size: .55em;
  font-weight: 500;
  opacity: .7;
}

.bc-meta-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 16px;
}
@media (max-width: 560px) {
  .bc-meta-row { grid-template-columns: 1fr; }
}
.bc-meta {
  border: 1px solid var(--border);
  border-radius: 12px;
  padding: 10px 14px;
}
.bc-meta__label {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--stone-light);
  margin-bottom: 4px;
}
.bc-meta__value {
  font-size: 15px;
  font-weight: 700;
  color: var(--navy);
  font-variant-numeric: tabular-nums;
}
.bc-meta__currency {
  font-size: 11px;
  font-weight: 500;
  color: var(--stone-light);
}

.bc-chart {
  margin: 0 0 12px;
  padding: 14px 16px 12px;
  border: 1px solid var(--border);
  border-radius: 14px;
  background: #fff;
}
.bc-chart--small { padding: 12px 16px 10px; }
.bc-chart--small .bc-chart__title { margin-bottom: 4px; }
.bc-chart[hidden] { display: none; }
.bc-chart__title {
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .06em;
  color: var(--stone-light);
  margin: 0 0 10px;
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 8px;
  flex-wrap: wrap;
}
.bc-chart__hint {
  text-transform: none;
  letter-spacing: 0;
  font-weight: 400;
  font-size: 11px;
  color: var(--stone-light);
  font-style: italic;
}
.bc-chart__svg-wrap { width: 100%; }
.bc-chart__svg-wrap svg {
  display: block;
  width: 100%;
  height: auto;
  font-family: var(--font-body);
}
.bc-chart__svg-wrap text {
  fill: var(--stone-light);
  font-size: 11px;
  font-variant-numeric: tabular-nums;
}
.bc-chart__svg-wrap .bc-chart__grid {
  stroke: var(--border);
  stroke-width: 1;
  stroke-dasharray: 2 4;
}
.bc-chart__svg-wrap .bc-chart__axis {
  stroke: #d8d3d0;
  stroke-width: 1;
}

.bc-disclaimer {
  font-size: 11px;
  color: var(--stone-light);
  line-height: 1.5;
  margin: 0 0 8px;
  padding: 10px 12px;
  background: rgba(0, 41, 91, .03);
  border-radius: 8px;
}

/* ── Footer ── */
.footer {
  margin-top: 40px;
  text-align: center;
  font-size: 12px;
  color: var(--stone-light);
  padding-bottom: 20px;
}

/* ────────────────────────────────────── */
/*  Responsive                           */
/* ────────────────────────────────────── */

@media (max-width: 860px) {
  .sidebar { display: none; }
  .topbar-mobile { display: block; }

  .content { padding: 24px 20px 32px; }

  .step-header__title { font-size: 26px; }

  .fields { grid-template-columns: 1fr; }
  .review-grid { grid-template-columns: 1fr; }

  .payment-card__amount { font-size: 28px; }
  .projection__value { font-size: 24px; }
}

@media (max-width: 480px) {
  .content { padding: 16px 14px 24px; }
  .topbar-mobile { padding: 14px 14px; }
  .form-nav { flex-wrap: wrap; }
  .form-nav .btn { flex: 1; min-width: 120px; }
}