/* FP Insurance LLC — Client Portal Mockup (CEO review only)
   Brand: cyan #0EA5E9 · navy #0A0F1E/#060B16 · cards #111827 · borders #1E3A5F · Covered. Protected. Confident. */

:root {
  --cyan: #0EA5E9;
  --cyan-dark: #0284C7;
  --cyan-soft: #E0F2FE;
  --navy: #0A0F1E;
  --navy-2: #060B16;
  --navy-3: #111827;
  --card: #111827;
  --border-light: #d8e0e8;
  --white: #ffffff;
  --surface: #F4F7FA;
  --muted: #5a6570;
  --slate: #94a3b8;
  --border: #1E3A5F;
  --ok: #0d9f6e;
  --ok-bg: #e6f7f1;
  --warn: #b45309;
  --warn-bg: #fff8e6;
  --warn-border: #e6d29a;
  --info-bg: #eef2f7;
  --shadow: 0 1px 3px rgba(10, 15, 30, 0.06), 0 4px 12px rgba(10, 15, 30, 0.04);
  --radius: 12px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  background: var(--surface);
  color: var(--navy);
  line-height: 1.5;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}
a { color: var(--cyan-dark); }
a:hover { color: var(--cyan); }
img { max-width: 100%; height: auto; display: block; }
button, input, select, textarea { font-family: inherit; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); border: 0;
}

/* —— Mock banner —— */
.mock-banner {
  background: #fff3cd;
  border-bottom: 2px solid #e6d29a;
  color: #5c4500;
  text-align: center;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  padding: 8px 16px;
  text-transform: uppercase;
}
.mock-banner span { color: var(--navy); }

/* —— Header —— */
.site-header {
  background: var(--navy);
  color: var(--white);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.25);
  position: sticky;
  top: 0;
  z-index: 50;
}
.header-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 12px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: inherit;
  min-width: 0;
}
.brand-logo {
  height: 40px;
  width: auto;
  max-width: 180px;
  object-fit: contain;
}
.brand-text .name {
  font-weight: 700;
  font-size: 1rem;
  color: var(--white);
  letter-spacing: 0.01em;
}
.brand-text .tagline {
  font-size: 0.7rem;
  color: var(--slate);
  margin-top: 1px;
}
.header-actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.mock-chip {
  display: inline-flex;
  align-items: center;
  background: var(--cyan);
  color: var(--navy);
  font-size: 0.65rem;
  font-weight: 800;
  padding: 3px 9px;
  border-radius: 999px;
  letter-spacing: 0.04em;
}
.btn-ghost {
  background: transparent;
  border: 1px solid #2a3a55;
  color: #c8d4e0;
  font-size: 0.8rem;
  font-weight: 600;
  padding: 7px 12px;
  border-radius: 8px;
  text-decoration: none;
  transition: background 0.15s, border-color 0.15s;
}
.btn-ghost:hover,
.btn-ghost:focus-visible {
  background: rgba(13, 162, 231, 0.12);
  border-color: var(--cyan);
  color: var(--white);
  outline: none;
}

/* —— Nav —— */
.nav-bar {
  border-top: 1px solid #1e3a5f;
  background: var(--navy-2);
}
.nav-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 12px;
  display: flex;
  gap: 2px;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: thin;
}
.nav-inner a {
  flex: 0 0 auto;
  color: var(--slate);
  text-decoration: none;
  font-size: 0.82rem;
  font-weight: 600;
  padding: 11px 14px;
  border-bottom: 2px solid transparent;
  white-space: nowrap;
  transition: color 0.15s, border-color 0.15s;
}
.nav-inner a:hover { color: #dbe7f3; }
.nav-inner a:focus-visible { outline: 2px solid var(--cyan); outline-offset: -2px; }
.nav-inner a.active {
  color: var(--cyan);
  border-bottom-color: var(--cyan);
}

/* —— Layout —— */
.wrap {
  max-width: 1100px;
  margin: 0 auto;
  padding: 20px 20px 56px;
  width: 100%;
  flex: 1;
}
.page-intro {
  margin-bottom: 20px;
}
.page-intro h1 {
  margin: 0 0 6px;
  font-size: 1.45rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}
.page-intro p {
  margin: 0;
  color: var(--muted);
  font-size: 0.92rem;
}
.welcome-strip {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-start;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 20px;
  padding: 16px 18px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.welcome-strip h1 {
  margin: 0 0 4px;
  font-size: 1.35rem;
}
.welcome-strip .sub {
  margin: 0;
  color: var(--muted);
  font-size: 0.88rem;
}
.sample-badge {
  display: inline-block;
  background: var(--warn-bg);
  border: 1px solid var(--warn-border);
  color: var(--warn);
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  padding: 3px 8px;
  border-radius: 6px;
  text-transform: uppercase;
}

/* —— Cards / grid —— */
.grid {
  display: grid;
  gap: 16px;
}
.grid-2 { grid-template-columns: 1fr; }
.grid-3 { grid-template-columns: 1fr; }
.grid-4 { grid-template-columns: 1fr 1fr; }
@media (min-width: 640px) {
  .grid-2 { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: repeat(4, 1fr); }
}
@media (min-width: 900px) {
  .grid-3 { grid-template-columns: 1fr 1fr 1fr; }
}
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 18px;
}
.card h2, .card h3 {
  margin: 0 0 10px;
  font-size: 1.05rem;
}
.card h2 { font-size: 1.1rem; }
.card p { margin: 0 0 10px; color: var(--muted); font-size: 0.9rem; }
.card p:last-child { margin-bottom: 0; }
.card-link {
  display: block;
  text-decoration: none;
  color: inherit;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.card-link:hover {
  border-color: var(--cyan);
  box-shadow: 0 2px 10px rgba(13, 162, 231, 0.15);
}
.card-link .go {
  display: inline-block;
  margin-top: 8px;
  color: var(--cyan-dark);
  font-size: 0.82rem;
  font-weight: 700;
}
.section-head {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  margin: 28px 0 12px;
}
.section-head h2 {
  margin: 0;
  font-size: 1.15rem;
}
.stat {
  text-align: left;
}
.stat .label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--muted);
}
.stat .value {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy);
  margin-top: 2px;
}
.stat .hint {
  font-size: 0.78rem;
  color: var(--muted);
  margin-top: 2px;
}

/* —— Status chips —— */
.chip {
  display: inline-flex;
  align-items: center;
  font-size: 0.72rem;
  font-weight: 700;
  padding: 3px 9px;
  border-radius: 999px;
  letter-spacing: 0.02em;
}
.chip-ok { background: var(--ok-bg); color: var(--ok); }
.chip-review { background: var(--warn-bg); color: var(--warn); }
.chip-pending { background: var(--cyan-soft); color: var(--cyan-dark); }
.chip-idle { background: var(--info-bg); color: var(--muted); }
.chip-sample { background: #f3e8ff; color: #6b21a8; }

/* —— Policy cards —— */
.policy-card {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.policy-card .top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 10px;
}
.policy-card .line-name {
  font-weight: 700;
  font-size: 1rem;
  margin: 0;
}
.policy-card .meta {
  font-size: 0.82rem;
  color: var(--muted);
  margin: 0;
}
.policy-card .id {
  font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  font-size: 0.78rem;
  color: var(--muted);
  background: var(--surface);
  padding: 2px 8px;
  border-radius: 6px;
  display: inline-block;
}
.policy-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 4px;
}

/* —— Tables / lists —— */
.list-rows { display: grid; gap: 0; }
.list-row {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 8px 16px;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
}
.list-row:last-child { border-bottom: none; }
.list-row .title { font-weight: 600; }
.list-row .meta { font-size: 0.8rem; color: var(--muted); }
.doc-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.88rem;
}
.doc-table th {
  text-align: left;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
  color: var(--muted);
  padding: 8px 10px;
  border-bottom: 1px solid var(--border);
}
.doc-table td {
  padding: 12px 10px;
  border-bottom: 1px solid var(--border);
  vertical-align: middle;
}
.doc-table tr:last-child td { border-bottom: none; }
.doc-table .mono {
  font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  font-size: 0.8rem;
  color: var(--muted);
}
@media (max-width: 640px) {
  .doc-table thead { display: none; }
  .doc-table, .doc-table tbody, .doc-table tr, .doc-table td { display: block; width: 100%; }
  .doc-table tr {
    border: 1px solid var(--border);
    border-radius: 10px;
    padding: 10px;
    margin-bottom: 10px;
  }
  .doc-table td {
    border: none;
    padding: 4px 0;
  }
  .doc-table td::before {
    content: attr(data-label);
    display: block;
    font-size: 0.68rem;
    font-weight: 700;
    text-transform: uppercase;
    color: var(--muted);
    letter-spacing: 0.04em;
  }
}

/* —— Messages —— */
.thread-list { display: grid; gap: 10px; }
.thread {
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 14px 16px;
  background: var(--white);
  text-decoration: none;
  color: inherit;
  display: block;
}
.thread:hover { border-color: var(--cyan); }
.thread .thread-top {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 8px;
  margin-bottom: 6px;
}
.thread .subject { font-weight: 700; margin: 0; font-size: 0.95rem; }
.thread .preview { margin: 0; font-size: 0.85rem; color: var(--muted); }
.thread .from { font-size: 0.78rem; color: var(--muted); }
.message-panel {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--white);
  overflow: hidden;
}
.message-panel .msg-head {
  padding: 14px 18px;
  border-bottom: 1px solid var(--border);
  background: var(--surface);
}
.message-panel .msg-body {
  padding: 18px;
  font-size: 0.92rem;
}
.message-panel .msg-body p { margin: 0 0 12px; }
.message-panel .msg-meta {
  font-size: 0.8rem;
  color: var(--muted);
  margin-bottom: 12px;
}
.composer {
  margin-top: 16px;
  padding: 16px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
}
.composer label {
  display: block;
  font-size: 0.78rem;
  font-weight: 700;
  margin-bottom: 6px;
  color: var(--muted);
}
.composer textarea {
  width: 100%;
  min-height: 90px;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 10px 12px;
  font-size: 0.9rem;
  resize: vertical;
}
.composer textarea:focus {
  outline: 2px solid var(--cyan);
  border-color: var(--cyan);
}
.composer-note {
  font-size: 0.78rem;
  color: var(--muted);
  margin: 8px 0 0;
}

/* —— Quote status —— */
.timeline { list-style: none; margin: 0; padding: 0; }
.timeline li {
  position: relative;
  padding: 0 0 18px 28px;
  border-left: 2px solid var(--border);
  margin-left: 8px;
}
.timeline li:last-child { border-left-color: transparent; padding-bottom: 0; }
.timeline li::before {
  content: "";
  position: absolute;
  left: -7px;
  top: 4px;
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--border);
  border: 2px solid var(--white);
  box-shadow: 0 0 0 1px var(--border);
}
.timeline li.done::before { background: var(--ok); box-shadow: 0 0 0 1px var(--ok); }
.timeline li.current::before { background: var(--cyan); box-shadow: 0 0 0 1px var(--cyan); }
.timeline .step-title { font-weight: 700; font-size: 0.92rem; }
.timeline .step-meta { font-size: 0.8rem; color: var(--muted); }

.quote-flow {
  display: grid;
  gap: 10px;
}
.quote-step-card {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 12px 14px;
  background: var(--surface);
  border-radius: 10px;
  border: 1px solid var(--border);
}
.quote-step-card .num {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-size: 0.78rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
}
.quote-step-card strong { display: block; font-size: 0.9rem; }
.quote-step-card span { font-size: 0.8rem; color: var(--muted); }

/* —— Forms (login) —— */
.login-shell {
  min-height: calc(100vh - 40px);
  display: flex;
  flex-direction: column;
}
.login-main {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 32px 20px;
}
.login-card {
  width: 100%;
  max-width: 420px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  box-shadow: var(--shadow);
  padding: 28px 26px 24px;
}
.login-card .logo-wrap {
  text-align: center;
  margin-bottom: 18px;
}
.login-card .logo-wrap img {
  margin: 0 auto 10px;
  max-height: 48px;
  max-width: 220px;
}
.login-card h1 {
  margin: 0 0 6px;
  font-size: 1.25rem;
  text-align: center;
}
.login-card .lead {
  text-align: center;
  color: var(--muted);
  font-size: 0.88rem;
  margin: 0 0 20px;
}
.field { margin-bottom: 14px; }
.field label {
  display: block;
  font-size: 0.78rem;
  font-weight: 700;
  margin-bottom: 5px;
  color: var(--muted);
}
.field input {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-size: 0.95rem;
  background: var(--white);
}
.field input:focus {
  outline: 2px solid var(--cyan);
  border-color: var(--cyan);
}
.login-note {
  background: var(--cyan-soft);
  border: 1px solid #b8e0f2;
  border-radius: 10px;
  padding: 12px 14px;
  font-size: 0.82rem;
  color: var(--navy);
  margin: 16px 0 0;
}
.login-note strong { display: block; margin-bottom: 4px; }

/* —— Buttons —— */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-weight: 700;
  font-size: 0.88rem;
  padding: 10px 16px;
  border-radius: 8px;
  border: none;
  text-decoration: none;
  cursor: pointer;
  transition: background 0.15s, border-color 0.15s, color 0.15s;
}
.btn:disabled, .btn.is-disabled {
  opacity: 0.55;
  cursor: not-allowed;
  pointer-events: none;
}
.btn-primary {
  background: var(--cyan);
  color: var(--navy);
}
.btn-primary:hover { background: var(--cyan-dark); color: var(--white); }
.btn-secondary {
  background: var(--white);
  color: var(--navy);
  border: 1px solid var(--border);
}
.btn-secondary:hover {
  border-color: var(--cyan);
  color: var(--cyan-dark);
}
.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover { background: var(--navy-2); }
.btn-block { width: 100%; }
.btn-sm { padding: 6px 11px; font-size: 0.78rem; }
.btn-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 14px; }

/* —— CTA band —— */
.cta-band {
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius);
  padding: 22px 24px;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-top: 24px;
}
.cta-band h2 {
  margin: 0 0 4px;
  font-size: 1.1rem;
  color: var(--white);
}
.cta-band p {
  margin: 0;
  color: var(--slate);
  font-size: 0.88rem;
}

/* —— Footer —— */
.site-footer {
  background: var(--navy);
  color: var(--slate);
  padding: 28px 20px 20px;
  margin-top: auto;
  font-size: 0.82rem;
}
.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  gap: 18px;
}
@media (min-width: 720px) {
  .footer-inner { grid-template-columns: 1.4fr 1fr 1fr; }
}
.footer-brand .name {
  color: var(--white);
  font-weight: 700;
  font-size: 0.95rem;
}
.footer-brand .tag {
  color: var(--cyan);
  font-size: 0.78rem;
  margin-top: 2px;
}
.footer-brand .affiliate {
  margin-top: 8px;
  font-size: 0.78rem;
}
.footer-col h3 {
  margin: 0 0 8px;
  color: var(--white);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.footer-col p, .footer-col a {
  margin: 0 0 4px;
  color: var(--slate);
  text-decoration: none;
  display: block;
}
.footer-col a:hover { color: var(--cyan); }
.footer-bottom {
  max-width: 1100px;
  margin: 18px auto 0;
  padding-top: 14px;
  border-top: 1px solid #1e3a5f;
  font-size: 0.75rem;
  color: #7a8a9a;
  display: flex;
  flex-wrap: wrap;
  gap: 8px 16px;
  justify-content: space-between;
}
.disclaimer {
  background: var(--info-bg);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 12px 14px;
  font-size: 0.8rem;
  color: var(--muted);
  margin-top: 16px;
}

/* —— Utility —— */
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.text-muted { color: var(--muted); }
.flex-between {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 10px;
}


/* Live-site dark card variant (navy surfaces) */
.card-dark {
  background: var(--card);
  border-color: var(--border);
  color: #E5E7EB;
}
.card-dark h2, .card-dark h3, .card-dark .line-name, .card-dark .stat .value { color: #F9FAFB; }
.card-dark p, .card-dark .meta, .card-dark .hint, .card-dark .stat .label { color: var(--slate); }
.card-dark .id { background: var(--navy-2); color: var(--slate); }
/* Light cards keep soft borders separate from navy chrome borders */
.card, .welcome-strip, .login-card, .composer, .message-panel, .thread {
  border-color: var(--border-light);
}
.doc-table th, .doc-table td, .list-row {
  border-bottom-color: var(--border-light);
}
.btn-secondary { border-color: var(--border-light); }
.field input, .composer textarea { border-color: var(--border-light); }
.nav-bar { border-top-color: var(--border); }
.footer-bottom { border-top-color: var(--border); }
.site-header { border-bottom: 1px solid var(--border); }

/* —— Functional portal additions —— */
.dev-banner {
  background: #fff3cd;
  border-bottom: 2px solid #e6d29a;
  color: #5c4500;
  text-align: center;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  padding: 8px 16px;
  text-transform: uppercase;
}
.flash {
  max-width: 1100px;
  margin: 16px auto 0;
  padding: 12px 16px;
  border-radius: 10px;
  font-size: 0.9rem;
  font-weight: 600;
}
.flash-error { background: #fef2f2; border: 1px solid #fecaca; color: #991b1b; }
.flash-success { background: var(--ok-bg); border: 1px solid #a7f3d0; color: #065f46; }
.flash-info { background: #e0f2fe; border: 1px solid #7dd3fc; color: #0c4a6e; }
.auth-shell {
  max-width: 440px;
  margin: 40px auto;
  padding: 0 20px 48px;
}
.auth-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 28px 24px;
}
.auth-card h1 { margin: 0 0 8px; font-size: 1.35rem; color: var(--navy); }
.auth-card .sub { color: var(--muted); font-size: 0.9rem; margin-bottom: 20px; }
.form-group { margin-bottom: 14px; }
.form-group label {
  display: block;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 5px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid #c5d0db;
  border-radius: 8px;
  font-size: 0.95rem;
  background: #fff;
}
.form-group textarea { min-height: 100px; resize: vertical; }
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--cyan);
  box-shadow: 0 0 0 3px rgba(14, 165, 233, 0.2);
}
.btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--cyan);
  color: var(--navy);
  font-weight: 800;
  border: none;
  border-radius: 8px;
  padding: 11px 18px;
  font-size: 0.95rem;
  cursor: pointer;
  text-decoration: none;
  width: 100%;
}
.btn-primary:hover { background: var(--cyan-dark); color: #fff; }
.btn-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: transparent;
  color: var(--navy);
  font-weight: 700;
  border: 1px solid #c5d0db;
  border-radius: 8px;
  padding: 9px 14px;
  font-size: 0.85rem;
  cursor: pointer;
  text-decoration: none;
}
.btn-danger {
  background: #991b1b;
  color: #fff;
  border: none;
  border-radius: 8px;
  padding: 8px 12px;
  font-weight: 700;
  cursor: pointer;
  font-size: 0.8rem;
}
.btn-sm { width: auto; padding: 8px 14px; font-size: 0.85rem; }
.auth-links { margin-top: 16px; text-align: center; font-size: 0.85rem; }
.qr-wrap { text-align: center; margin: 16px 0; }
.qr-wrap img { margin: 0 auto; border: 1px solid #e5e7eb; border-radius: 8px; }
.secret-box {
  font-family: ui-monospace, monospace;
  font-size: 0.85rem;
  background: #f8fafc;
  border: 1px dashed #94a3b8;
  padding: 10px;
  border-radius: 8px;
  word-break: break-all;
  text-align: center;
}
.backup-codes {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
  font-family: ui-monospace, monospace;
  font-size: 0.9rem;
  margin: 16px 0;
}
.backup-codes span {
  background: #0A0F1E;
  color: #E0F2FE;
  padding: 8px;
  border-radius: 6px;
  text-align: center;
}
.app-layout { max-width: 1100px; margin: 0 auto; padding: 24px 20px 48px; flex: 1; width: 100%; }
.page-title { margin: 0 0 6px; font-size: 1.5rem; color: var(--navy); }
.page-sub { color: var(--muted); margin: 0 0 20px; font-size: 0.9rem; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
@media (max-width: 800px) {
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
}
.card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 18px 18px;
}
.card h2, .card h3 { margin: 0 0 10px; font-size: 1.05rem; color: var(--navy); }
.card-dark {
  background: var(--card);
  color: #e2e8f0;
  border: 1px solid var(--border);
}
.card-dark h2, .card-dark h3 { color: #fff; }
.badge {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 800;
  padding: 3px 8px;
  border-radius: 999px;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}
.badge-ok { background: var(--ok-bg); color: var(--ok); }
.badge-warn { background: var(--warn-bg); color: var(--warn); }
.badge-sample { background: #fef3c7; color: #92400e; }
.badge-info { background: #e0f2fe; color: #0369a1; }
.table { width: 100%; border-collapse: collapse; font-size: 0.9rem; }
.table th, .table td { text-align: left; padding: 10px 8px; border-bottom: 1px solid #e5e7eb; }
.table th { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.04em; color: var(--muted); }
.msg-thread { display: flex; flex-direction: column; gap: 12px; margin-bottom: 20px; }
.msg {
  padding: 12px 14px;
  border-radius: 10px;
  max-width: 85%;
  font-size: 0.9rem;
}
.msg-outbound { background: #e0f2fe; align-self: flex-start; border: 1px solid #bae6fd; }
.msg-inbound { background: #f1f5f9; align-self: flex-end; border: 1px solid #e2e8f0; }
.msg .meta { font-size: 0.72rem; color: var(--muted); margin-bottom: 4px; font-weight: 700; }
.admin-shell .site-header { background: #060B16; }
.admin-chip { background: #f59e0b; color: #0A0F1E; }
.admin-section { margin-top: 24px; }
.admin-section h2 { font-size: 1.1rem; margin-bottom: 12px; }
.inline-form { display: grid; gap: 10px; }
.inline-form.row { grid-template-columns: 1fr 1fr; }
.muted { color: var(--muted); font-size: 0.85rem; }
.plan-content {
  white-space: pre-wrap;
  font-size: 0.92rem;
  line-height: 1.55;
  background: #f8fafc;
  border: 1px solid #e2e8f0;
  border-radius: 8px;
  padding: 16px;
}
.footer-bar {
  background: var(--navy);
  color: var(--slate);
  padding: 20px;
  text-align: center;
  font-size: 0.8rem;
  margin-top: auto;
}
.footer-bar a { color: var(--cyan); }
.footer-bar .tag { color: #fff; font-weight: 700; }
.nav-inner a.active { color: var(--cyan); border-bottom-color: var(--cyan); }
.stat { font-size: 1.6rem; font-weight: 800; color: var(--cyan); }
.stat-label { font-size: 0.75rem; color: var(--muted); text-transform: uppercase; letter-spacing: 0.04em; }

/* —— Mobile / desktop layout polish (CEO 2026-09-24) —— */
.header-user {
  color: #94a3b8;
  font-size: 0.8rem;
  max-width: 160px;
  overflow: hidden;
  text-overflow: ellipsis;
  white-space: nowrap;
}
.btn-auto { width: auto !important; }
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  align-items: center;
  margin: 4px 0 0;
}
.hero-actions .btn-primary,
.hero-actions .btn-secondary {
  width: auto;
  min-height: 44px;
  padding: 11px 18px;
}
.hero-grid { align-items: center; }
.contact-line { margin-top: 18px; }
.feature-list { padding-left: 18px; margin: 0; line-height: 1.7; }
.feature-note { margin-top: 14px; color: #94a3b8; }
.footer-note { margin-top: 8px; font-size: 0.72rem; }
.footer-contact { word-break: break-word; }
.footer-contact a { color: var(--cyan); }

/* Ensure form controls are tappable */
.form-group input,
.form-group select,
.form-group textarea,
.field input {
  min-height: 44px;
  font-size: 16px; /* avoid iOS zoom */
}

/* Desktop: keep horizontal header + side-by-side grids */
@media (min-width: 769px) {
  .header-inner {
    flex-wrap: nowrap;
  }
  .header-actions {
    flex-wrap: nowrap;
  }
  .nav-inner {
    flex-wrap: nowrap;
    overflow-x: auto;
  }
  .hero-actions .btn-primary,
  .hero-actions .btn-secondary {
    width: auto;
  }
}

/* Narrow viewports: stack, no overlaps, ≥44px taps */
@media (max-width: 768px) {
  .header-inner {
    flex-wrap: wrap;
    align-items: flex-start;
    gap: 12px;
    padding: 12px 14px;
  }
  .brand {
    flex: 1 1 auto;
    min-width: 0;
    max-width: 100%;
  }
  .brand-logo {
    height: 34px;
    max-width: 140px;
  }
  .brand-text .name { font-size: 0.92rem; }
  .brand-text .tagline {
    font-size: 0.65rem;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
    max-width: 200px;
  }
  .header-actions {
    flex: 0 0 100%;
    width: 100%;
    max-width: 100%;
    display: flex;
    flex-wrap: nowrap;
    gap: 8px;
    align-items: center;
  }
  .header-actions .mock-chip {
    flex: 0 0 auto;
  }
  .header-actions .header-user {
    flex: 1 1 auto;
    max-width: none;
    min-width: 0;
  }
  .header-actions .btn-ghost {
    flex: 1 1 0;
    min-width: 0;
    min-height: 44px;
    padding: 10px 12px;
    text-align: center;
    justify-content: center;
    display: inline-flex;
    align-items: center;
  }

  /* Customer / admin nav: wrap cleanly instead of colliding */
  .nav-inner {
    display: flex;
    flex-wrap: wrap;
    gap: 0;
    padding: 4px 8px 6px;
    overflow-x: visible;
  }
  .nav-inner a {
    flex: 1 1 calc(33.333% - 2px);
    min-width: 96px;
    min-height: 44px;
    padding: 12px 8px;
    text-align: center;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-bottom: 2px solid transparent;
    font-size: 0.78rem;
  }
  .nav-inner a.active {
    background: rgba(14, 165, 233, 0.08);
    border-radius: 8px 8px 0 0;
  }

  .app-layout,
  .wrap {
    padding: 16px 14px 40px;
  }
  .auth-shell {
    margin: 20px auto;
    padding: 0 14px 40px;
    max-width: 100%;
  }
  .auth-card,
  .login-card {
    padding: 22px 16px;
  }
  .page-title { font-size: 1.28rem; line-height: 1.25; }
  .page-sub { font-size: 0.88rem; }

  /* Single column cards / forms */
  .grid-2,
  .grid-3,
  .grid-4,
  .inline-form.row {
    grid-template-columns: 1fr !important;
  }
  .hero-grid { align-items: stretch; }

  .hero-actions {
    flex-direction: column;
    align-items: stretch;
    gap: 10px;
    margin-top: 8px;
  }
  .hero-actions .btn-primary,
  .hero-actions .btn-secondary,
  .hero-actions .btn-auto {
    width: 100% !important;
    margin: 0 !important;
    min-height: 48px;
  }

  .btn-primary,
  .btn-secondary,
  .btn-navy,
  .btn-danger {
    min-height: 44px;
  }
  .btn-sm {
    min-height: 44px;
    padding: 10px 14px;
  }

  /* Avoid absolute-ish collisions from sticky header + CTAs */
  .site-header { position: sticky; top: 0; }
  .flash { margin: 12px 14px 0; }
  .footer-bar {
    padding: 18px 14px 28px;
    line-height: 1.55;
  }
  .footer-bar .footer-contact {
    display: flex;
    flex-direction: column;
    gap: 4px;
    margin-top: 6px;
  }
  .footer-bar .footer-contact a { display: inline-block; padding: 4px 0; }

  .backup-codes { grid-template-columns: 1fr; }
  .msg { max-width: 100%; }
  .table { display: block; overflow-x: auto; -webkit-overflow-scrolling: touch; }

  .action-row {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    align-items: center;
  }
  .action-row .btn-primary,
  .action-row .btn-secondary,
  .action-row .btn-danger,
  .action-row .btn-sm {
    width: auto;
    flex: 1 1 auto;
  }
}

@media (max-width: 480px) {
  .brand-text .tagline { display: none; }
  .nav-inner a {
    flex: 1 1 calc(50% - 2px);
    font-size: 0.76rem;
  }
  .dev-banner {
    font-size: 0.7rem;
    padding: 8px 10px;
    letter-spacing: 0.02em;
  }
  .header-actions .header-user {
    max-width: 42vw;
  }
  .header-actions {
    gap: 6px;
  }
}

.dash-stats { margin-bottom: 20px; }

/* —— New Customer Form —— */
.ncf-wrap { max-width: 880px; }
.ncf-brand-banner {
  background: linear-gradient(135deg, #0c1528 0%, #12203a 100%);
  border: 1px solid #1e3a5f;
  border-radius: 16px;
  padding: 22px 24px;
  color: #fff;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  align-items: center;
  margin-bottom: 16px;
}
.ncf-tag {
  color: var(--cyan);
  font-weight: 700;
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.ncf-brand-sub { margin: 0; color: #94a3b8; font-size: 0.88rem; }
.ncf-brand-side {
  text-align: right;
  font-size: 0.75rem;
  color: #94a3b8;
  line-height: 1.55;
  flex-shrink: 0;
}
.ncf-panel {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: 14px;
  padding: 22px;
  margin-bottom: 16px;
  box-shadow: var(--shadow);
}
.ncf-welcome p {
  margin: 0 0 10px;
  font-size: 0.95rem;
  line-height: 1.6;
  color: var(--navy);
}
.ncf-panel h2 {
  margin: 0 0 8px;
  font-size: 1.1rem;
  color: var(--navy);
}
.ncf-num { color: var(--cyan); margin-right: 6px; }
.ncf-rule {
  height: 2px;
  width: 56px;
  background: var(--cyan);
  border: 0;
  margin: 0 0 14px;
}
.ncf-intro {
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.55;
  margin: 0 0 14px;
}
.ncf-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px 14px;
}
.ncf-full { grid-column: 1 / -1; }
.ncf-panel .form-group label {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--muted);
}
.ncf-panel .form-group input {
  background: #f8fafc;
}
.ncf-panel .req { color: #b45309; }
.ncf-help {
  background: #eef8fd;
  border-left: 3px solid var(--cyan);
  color: #0f3a52;
  font-size: 0.85rem;
  line-height: 1.5;
  padding: 10px 12px;
  border-radius: 0 8px 8px 0;
  margin: 14px 0 0;
}
.ncf-field-help {
  margin: 6px 0 0;
  font-size: 0.78rem;
  color: var(--muted);
}
.ncf-section { margin-top: 28px; }
.ncf-actions {
  margin-top: 22px;
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}
.ncf-footer-note {
  text-align: center;
  font-size: 0.85rem;
  color: var(--muted);
  margin: 8px 0 0;
}
.ncf-admin-dl {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 18px;
  margin: 12px 0 0;
}
.ncf-admin-dl dt {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--muted);
  margin: 0 0 2px;
}
.ncf-admin-dl dd { margin: 0; font-size: 0.95rem; color: var(--navy); }
.ncf-admin-full { grid-column: 1 / -1; }
@media (max-width: 720px) {
  .ncf-grid, .ncf-admin-dl { grid-template-columns: 1fr; }
  .ncf-brand-banner { flex-direction: column; align-items: flex-start; }
  .ncf-brand-side { text-align: left; }
}

/* Financial intake (Plans) */
.fi-cta-card { margin-bottom: 18px; border: 1px solid #cfe6f7; background: #f4f8ff; }
.fi-cta-card h2 { margin-top: 0; }
.fi-wrap { max-width: 1040px; }
.fi-profile-summary { background: #f8fafc; }
.fi-last-saved { margin: 0 0 12px; }
.fi-acct, .fi-biz, .fi-outcome {
  border: 1px solid #e2e8f0;
  border-radius: 12px;
  padding: 14px;
  margin-bottom: 12px;
  background: #fbfdff;
}
.fi-biz { background: #f4f8ff; border-color: #cfe6f7; }
.fi-acct h3, .fi-biz h3 { margin: 0 0 10px; font-size: 0.95rem; color: var(--navy); }
.fi-nested {
  padding: 10px;
  background: #fff;
  border-radius: 10px;
  border: 1px dashed #cfe6f7;
  margin-bottom: 8px;
}
.fi-row-actions { display: flex; gap: 8px; margin-top: 8px; flex-wrap: wrap; }
.btn-fi-add {
  border: 0;
  border-radius: 8px;
  padding: 10px 14px;
  font-weight: 600;
  cursor: pointer;
  background: #e0f2fe;
  color: #0369a1;
  font-family: inherit;
  margin: 4px 0 8px;
}
.btn-fi-remove {
  border: 0;
  border-radius: 8px;
  padding: 8px 12px;
  font-weight: 600;
  cursor: pointer;
  background: #fee2e2;
  color: #991b1b;
  font-family: inherit;
}
.fi-chk { display: flex; gap: 10px; align-items: flex-start; }
.fi-chk input { width: auto; margin-top: 3px; }
.ncf-grid3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px 14px;
}
.fi-admin-list { margin: 6px 0 0; padding-left: 18px; }
.fi-admin-list li { margin: 4px 0; font-size: 0.92rem; }
.fi-json-dump {
  background: #0f172a;
  color: #e2e8f0;
  padding: 12px;
  border-radius: 8px;
  overflow: auto;
  font-size: 0.75rem;
  max-height: 420px;
}
.ncf-panel textarea {
  width: 100%;
  border: 1px solid #e2e8f0;
  border-radius: 8px;
  padding: 9px 10px;
  font-size: 14px;
  font-family: inherit;
  background: #f8fafc;
  color: var(--navy);
  min-height: 70px;
  resize: vertical;
}
.ncf-panel select {
  width: 100%;
  border: 1px solid #e2e8f0;
  border-radius: 8px;
  padding: 9px 10px;
  font-size: 14px;
  font-family: inherit;
  background: #f8fafc;
  color: var(--navy);
}
.fi-acct label, .fi-biz label, .fi-outcome label {
  display: block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 4px;
}
.fi-acct input, .fi-biz input, .fi-outcome input,
.fi-acct select, .fi-biz select {
  width: 100%;
  border: 1px solid #e2e8f0;
  border-radius: 8px;
  padding: 9px 10px;
  font-size: 14px;
  font-family: inherit;
  background: #f8fafc;
  color: var(--navy);
}
@media (max-width: 720px) {
  .ncf-grid3 { grid-template-columns: 1fr; }
}

.footer-phone-muted {
  color: #94a3b8;
  font-size: 0.85em;
}
.footer-phone-muted a { color: #94a3b8; }