:root {
  --navy: #0d2b55;
  --navy2: #123d73;
  --gold: #d8aa45;
  --gold2: #f4dc98;
  --ink: #14213d;
  --muted: #64748b;
  --line: #e7dcc4;
  --soft: #fdf7e9;
}

* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  background: radial-gradient(circle at top left, rgba(216, 170, 69, .22), transparent 34%),
              linear-gradient(135deg, #fffaf0 0%, #f5f8ff 45%, #eef4ff 100%);
  color: var(--ink);
}

.wrap {
  max-width: 1280px;
  margin: 0 auto;
  padding: 28px;
}

/* Integrated Hero Layout */
.integrated-hero {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 24px 30px;
  background: linear-gradient(135deg, var(--navy), var(--navy2));
  border: 1px solid rgba(216, 170, 69, .25);
  border-radius: 30px;
  padding: 30px;
  margin-bottom: 24px;
  color: #fff;
  box-shadow: 0 28px 70px rgba(13, 43, 85, .22);
  position: relative;
  overflow: hidden;
}

.integrated-hero:after {
  content: "";
  position: absolute;
  right: -80px;
  top: -80px;
  width: 250px;
  height: 250px;
  border-radius: 50%;
  background: rgba(216, 170, 69, .25);
}

.ih-logo {
  grid-column: 1;
  grid-row: 1 / span 2;
  width: 160px;
  height: 175px;
  display: grid;
  place-items: center;
  z-index: 1;
}

.ih-logo img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  border-radius: 22px;
}

.ih-top {
  grid-column: 2;
  grid-row: 1;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  border-bottom: 1px solid rgba(255,255,255,0.15);
  padding-bottom: 20px;
  z-index: 1;
}

.ih-top .brand h1 {
  margin: 0; font-size: 28px; letter-spacing: .02em; color: #fff; text-transform: uppercase;
}

.ih-top .brand p {
  margin: 4px 0 0; color: rgba(255,255,255,0.75); font-weight: 500;
}

.ih-top .support {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: var(--gold2);
  padding: 10px 16px;
  border-radius: 99px;
  text-align: right;
  font-size: 14px;
}

.mobile-support { display: none; }
.support a, .mobile-support a { color: inherit; text-decoration: none; }

.ih-bottom {
  grid-column: 2;
  grid-row: 2;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  z-index: 1;
}

.site-hero-body .eyebrow {
  color: var(--gold2);
  font-weight: 900;
  letter-spacing: .08em;
  text-transform: uppercase;
  font-size: 12px;
}

.site-hero-body h2 {
  margin: 8px 0;
  font-size: 32px;
  line-height: 1.1;
  color: #fff;
}

.site-hero-body p {
  margin: 0;
  color: rgba(255,255,255,0.78);
  font-size: 16px;
  max-width: 500px;
}

.ih-bottom .hero-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(216,170,69,0.3);
  padding: 18px;
  border-radius: 20px;
  width: 280px;
  flex-shrink: 0;
}

.ih-bottom .hero-card strong {
  display: block; color: var(--gold2); font-size: 18px; margin-bottom: 6px;
}

.ih-bottom .hero-card span {
  font-size: 13px; color: rgba(255,255,255,0.8); display: block; line-height: 1.4;
}

.hero-founder-photo { display: none; }

/* Step 8 Override */
.integrated-hero.step8-hero { padding-right: 270px; }
.integrated-hero.step8-hero .hero-card { display: none; }
.integrated-hero.step8-hero .hero-founder-photo { display: block !important; position: absolute; right: 0; top: 0; bottom: 0; width: 250px; z-index: 10; }
.integrated-hero.step8-hero .hero-founder-photo img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }

.card {
  background: rgba(255, 255, 255, .96);
  border: 1px solid rgba(216, 170, 69, .34);
  border-radius: 28px;
  box-shadow: 0 24px 70px rgba(13, 43, 85, .12);
  padding: 26px;
}

.progress-wrap {
  margin-bottom: 22px;
}

.progress-wrap span {
  display: block;
  margin-bottom: 8px;
  color: var(--navy);
  font-size: 13px;
  font-weight: 900;
}

.progress {
  height: 10px;
  background: #efe8d7;
  border-radius: 99px;
  overflow: hidden;
}

.bar {
  height: 100%;
  background: linear-gradient(90deg, var(--gold), #f1d482);
  width: 0;
  transition: .25s;
}

.step {
  display: none;
  animation: fade .22s ease-out;
}

.step.active {
  display: block;
}

@keyframes fade {
  from {
    opacity: 0;
    transform: translateY(6px);
  }
  to {
    opacity: 1;
    transform: none;
  }
}

.step h2 {
  font-size: 24px;
  margin: 0 0 16px;
  color: var(--navy);
}

.step h3 {
  margin: 22px 0 12px;
  color: var(--navy);
}

.grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.grid3 {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

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

label {
  font-size: 13px;
  color: #34435a;
  font-weight: 750;
}

.field {
  display: flex;
  flex-direction: column;
  gap: 7px;
}

input, select, textarea {
  width: 100%;
  max-width: 100%;
  border: 1px solid var(--line);
  border-radius: 15px;
  padding: 12px 13px;
  font: inherit;
  background: #fff;
  color: var(--ink);
  outline: none;
  transition: .18s;
}

input[type="date"] {
  min-width: 0;
  -webkit-appearance: none;
  appearance: none;
}

input:focus, select:focus, textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(216, 170, 69, .18);
}

textarea {
  min-height: 90px;
}

.table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0 8px;
}

.table th {
  text-align: left;
  font-size: 12px;
  color: var(--muted);
  padding: 0 8px;
}

.table td {
  padding: 0 6px;
}

.table input, .table select {
  border-radius: 12px;
}

.radio-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.pill { position: relative; }
.pill input {
  position: absolute;
  opacity: 0;
  width: 1px;
  height: 1px;
}

.pill span {
  display: inline-block;
  border: 1px solid var(--line);
  background: #fff;
  border-radius: 999px;
  padding: 10px 14px;
  cursor: pointer;
  transition: .18s;
}

.pill input:checked + span {
  background: linear-gradient(135deg, var(--navy), var(--navy2));
  border-color: var(--navy);
  color: #fff;
  font-weight: 850;
  box-shadow: 0 8px 18px rgba(13, 43, 85, .18);
}

.nav {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  margin-top: 24px;
}

.btn {
  border: 0;
  border-radius: 999px;
  padding: 13px 20px;
  font-weight: 850;
  cursor: pointer;
}

.btn.primary {
  background: linear-gradient(135deg, var(--navy), var(--navy2));
  color: #fff;
  box-shadow: 0 14px 24px rgba(13, 43, 85, .18);
}

.btn.secondary {
  background: var(--soft);
  color: var(--navy);
  border: 1px solid var(--line);
}

.btn:disabled {
  opacity: .45;
  cursor: not-allowed;
}

.note {
  color: var(--muted);
  font-size: 14px;
}

.score {
  display: grid;
  grid-template-columns: 180px 1fr;
  gap: 24px;
  align-items: center;
}

.circle {
  width: 160px;
  height: 160px;
  border-radius: 50%;
  background: conic-gradient(var(--gold) calc(var(--score) * 1%), #ece3ce 0);
  display: grid;
  place-items: center;
  box-shadow: 0 20px 45px rgba(13, 43, 85, .16);
}

.circle b {
  background: #fff;
  width: 120px;
  height: 120px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 38px;
  color: var(--navy);
}

.metrics {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: 20px;
}

.metric {
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 15px;
  background: linear-gradient(180deg, #fff, var(--soft));
}

.metric small {
  color: var(--muted);
}

.metric strong {
  display: block;
  margin-top: 6px;
  font-size: 18px;
  color: var(--navy);
}

.result-hero h2 {
  font-size: 30px;
  color: var(--navy);
}

.footer {
  text-align: center;
  color: var(--muted);
  font-size: 13px;
  margin: 24px 0 8px;
}

@media (max-width: 820px) {
  .hero-panel { grid-template-columns: 1fr; }
  .support { display: none; }
  .grid, .grid3, .metrics, .score { grid-template-columns: 1fr; }
  .wrap { padding: 16px; }
  .brand h1 { font-size: 20px; }
  .topbar { align-items: flex-start; }
  .hero-panel h2 { font-size: 28px; }
  .table { display: block; overflow-x: auto; white-space: nowrap; }
  .card { padding: 18px; }
}


/* New additions */
.req{color:#dc2626;font-weight:900}
.income-expense-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.ie-col{background:#fdf7e9;border:1px solid var(--line);border-radius:18px;padding:20px}
.ie-col h3{margin:0 0 14px;color:var(--navy);font-size:16px}
.circle{--score-color:var(--gold);background:conic-gradient(var(--score-color) calc(var(--score)*1%),#ece3ce 0)}
@media(max-width:820px){.income-expense-grid{grid-template-columns:1fr}}

/* MF table */
.mf-table th,.mf-table td{white-space:nowrap}

/* Insurance entries */
.insurance-entry{border:1px solid var(--line);border-radius:18px;padding:18px;margin-bottom:14px;background:linear-gradient(180deg,#fff,#fdf7e9)}
.ins-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:14px}
.ins-badge{font-weight:800;color:var(--navy);font-size:14px;background:var(--gold2);border-radius:999px;padding:4px 12px}
.ins-body{display:flex;flex-wrap:wrap;gap:14px;align-items:flex-start}
.ins-body .field{flex:1 1 160px}

/* Risk profile section */
.section-block{background:#fafbff;border:1px solid var(--line);border-radius:20px;padding:20px}
.risk-profile-section h3{margin:0 0 6px;color:var(--navy)}
.risk-question{margin-top:18px}
.risk-label{font-size:14px;font-weight:800;color:var(--navy);display:block;margin-bottom:4px}
.risk-desc{margin:0 0 8px!important}
.pill-sub{font-weight:400;font-size:11px;color:var(--muted)}

/* Small buttons */
.btn-sm{padding:8px 16px;font-size:13px}
.btn-icon{padding:6px 12px;font-size:13px}

/* Pill multi-line support */
.pill span{line-height:1.3;text-align:center}

@media(max-width: 1024px) {
  .integrated-hero { grid-template-columns: 1fr; padding: 20px; text-align: center; }
  .ih-logo { grid-column: 1; grid-row: auto; width: 80px; height: 80px; margin: 0 auto; margin-bottom: 12px; }
  .ih-logo img { border-radius: 12px; }
  .ih-top { grid-column: 1; grid-row: auto; flex-direction: column; align-items: center; gap: 10px; padding-bottom: 15px; }
  .ih-bottom { grid-column: 1; grid-row: auto; flex-direction: column; gap: 15px; }
  .ih-top .support { display: none; }
  .site-hero-body p { max-width: none; margin: 0 auto; }
  .ih-bottom .hero-card { width: 100%; margin-top: 5px; }

  .mobile-support {
    display: inline-block;
    margin-top: 15px;
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.2);
    color: var(--gold2);
    padding: 10px 16px;
    border-radius: 99px;
    font-size: 14px;
  }

  /* Mobile Step 8 Override */
  .integrated-hero.step8-hero { padding-right: 20px; }
  .integrated-hero.step8-hero .hero-founder-photo { position: relative; width: 100%; height: 300px; border-radius: 20px; overflow: hidden; margin-top: 20px; }
}