:root{
  --red:#cf0000;
  --red-dark:#a80000;
  --red-soft:rgba(207,0,0,.08);
  --bg:#eef0f2;
  --bg-subtle:#f7f8f9;
  --card:#fff;
  --border:#dde1e6;
  --border-light:#eaedf0;
  --text:#1a1a1a;
  --text-secondary:#4a5568;
  --muted:#718096;
  --success:#0d7a3e;
  --success-bg:#e6f4ec;
  --info-bg:#fffbeb;
  --info-border:#f0e4b8;
  --shadow-sm:0 1px 3px rgba(0,0,0,.06);
  --shadow:0 8px 30px rgba(0,0,0,.07);
  --shadow-lg:0 20px 50px rgba(0,0,0,.1);
  --radius:10px;
  --radius-lg:14px;
  --radius-xl:18px;
  --font:'Inter',Segoe UI,Arial,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}

html{scroll-behavior:smooth}

body{
  margin:0;
  font-family:var(--font);
  background:var(--bg);
  color:var(--text);
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
  padding-left:env(safe-area-inset-left);
  padding-right:env(safe-area-inset-right);
}

.wrap{max-width:1120px;margin:0 auto;padding:0 24px}

/* ── Header ── */
.site-header{
  background:#fff;
  border-bottom:1px solid var(--border-light);
  position:sticky;
  top:0;
  z-index:100;
  backdrop-filter:blur(8px);
}

.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:14px 0;
  gap:16px;
}

.brand{display:flex;align-items:center;gap:16px}

.logo{height:52px;width:auto}

.brand-text{display:flex;flex-direction:column;gap:1px}

.brand-name{
  font-size:1.1rem;
  font-weight:800;
  letter-spacing:-.02em;
  color:var(--text);
}

.brand-tag{
  font-size:12px;
  color:var(--muted);
  font-weight:500;
}

.header-meta{display:flex;align-items:center;gap:14px}

.pill{
  font-size:11px;
  font-weight:700;
  letter-spacing:.04em;
  text-transform:uppercase;
  padding:5px 10px;
  border-radius:999px;
}

.pill-live{
  background:var(--success-bg);
  color:var(--success);
  border:1px solid #b8dfc4;
}

.lang-select{
  font-size:13px;
  font-weight:600;
  color:var(--muted);
  cursor:pointer;
}

.lang-picker{position:relative}

.lang-btn{
  min-width:52px;
  height:40px;
  padding:0 14px;
  border:1.5px solid var(--border);
  border-radius:var(--radius);
  background:#fff;
  font:inherit;
  font-weight:700;
  font-size:13px;
  cursor:pointer;
  transition:border-color .2s,box-shadow .2s;
}

.lang-btn:hover{border-color:#bbb;box-shadow:var(--shadow-sm)}

.lang-menu{
  position:absolute;
  top:calc(100% + 6px);
  right:0;
  min-width:160px;
  margin:0;
  padding:6px;
  list-style:none;
  background:#fff;
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);
  z-index:300;
}

.lang-menu button{
  width:100%;
  text-align:left;
  padding:10px 12px;
  border:none;
  border-radius:8px;
  background:transparent;
  font:inherit;
  font-size:14px;
  font-weight:500;
  cursor:pointer;
  transition:background .15s;
}

.lang-menu button:hover{background:var(--bg-subtle)}
.lang-menu button.active{background:var(--red-soft);color:var(--red);font-weight:700}

.mobile-step-dots{
  display:none;
  justify-content:center;
  gap:8px;
  margin-bottom:16px;
}

.mobile-step-dots .dot{
  width:10px;
  height:10px;
  border-radius:50%;
  background:#ccc;
  transition:background .2s,transform .2s;
}

.mobile-step-dots .dot.active{background:var(--red);transform:scale(1.15)}
.mobile-step-dots .dot.done{background:var(--success)}

/* ── Intro hero ── */
.page-intro{
  background:linear-gradient(135deg,#fff 0%,#fafafa 50%,#f5f5f5 100%);
  border-bottom:1px solid var(--border-light);
  padding:40px 0 48px;
}

.intro-grid{
  display:grid;
  grid-template-columns:1.1fr .9fr;
  gap:40px;
  align-items:center;
}

.intro-copy h1{
  margin:0 0 14px;
  font-size:clamp(1.75rem,4vw,2.35rem);
  font-weight:800;
  letter-spacing:-.03em;
  line-height:1.15;
  color:var(--text);
}

.intro-copy p{
  margin:0 0 28px;
  font-size:1.05rem;
  color:var(--text-secondary);
  max-width:480px;
}

.intro-stats{
  list-style:none;
  margin:0;
  padding:0;
  display:flex;
  gap:28px;
  flex-wrap:wrap;
}

.intro-stats li{
  display:flex;
  flex-direction:column;
  gap:2px;
}

.intro-stats strong{
  font-size:1.35rem;
  font-weight:800;
  color:var(--red);
  letter-spacing:-.02em;
}

.intro-stats span{
  font-size:12px;
  color:var(--muted);
  font-weight:500;
}

.intro-visual{display:flex;justify-content:center}

.visual-card{
  background:#fff;
  border:1px solid var(--border);
  border-radius:var(--radius-xl);
  padding:28px 32px;
  box-shadow:var(--shadow-lg);
  min-width:260px;
}

.visual-label{
  display:block;
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:.06em;
  color:var(--muted);
  margin-bottom:8px;
}

.visual-amount{
  display:block;
  font-size:2rem;
  font-weight:800;
  color:var(--text);
  letter-spacing:-.03em;
  margin-bottom:24px;
}

.visual-bars{
  display:flex;
  align-items:flex-end;
  gap:16px;
  height:80px;
}

.vbar{
  flex:1;
  height:var(--h,50%);
  background:var(--red);
  border-radius:8px 8px 0 0;
  position:relative;
  min-height:12px;
}

.vbar-dark{background:#3d4450}

.vbar i{
  position:absolute;
  bottom:-22px;
  left:50%;
  transform:translateX(-50%);
  font-style:normal;
  font-size:11px;
  font-weight:600;
  color:var(--muted);
}

/* ── App layout ── */
.app-layout{
  display:grid;
  grid-template-columns:280px 1fr;
  gap:28px;
  padding:32px 24px 48px;
  align-items:start;
}

/* ── Sidebar wizard ── */
.wizard-sidebar{
  position:sticky;
  top:88px;
}

.wizard-steps{
  list-style:none;
  margin:0 0 24px;
  padding:0;
  display:flex;
  flex-direction:column;
  gap:8px;
}

.wizard-step{
  display:flex;
  align-items:flex-start;
  gap:14px;
  padding:16px;
  border-radius:var(--radius-lg);
  border:1px solid transparent;
  transition:background .2s,border-color .2s,box-shadow .2s;
}

.wizard-step.active{
  background:#fff;
  border-color:var(--border);
  box-shadow:var(--shadow-sm);
}

.wizard-step.completed .wizard-icon{
  background:var(--success-bg);
  color:var(--success);
  border-color:#b8dfc4;
}

.wizard-step.active .wizard-icon{
  background:var(--red);
  color:#fff;
  border-color:var(--red);
}

.wizard-icon{
  flex-shrink:0;
  width:40px;
  height:40px;
  border-radius:10px;
  background:var(--bg-subtle);
  border:1px solid var(--border);
  display:flex;
  align-items:center;
  justify-content:center;
  color:var(--muted);
  transition:background .2s,color .2s,border-color .2s;
}

.wizard-title{
  display:block;
  font-size:14px;
  font-weight:700;
  color:var(--text);
  margin-bottom:2px;
}

.wizard-desc{
  display:block;
  font-size:12px;
  color:var(--muted);
}

.wizard-step.active .wizard-title{color:var(--red)}

.sidebar-trust{
  background:#fff;
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:16px;
  display:flex;
  flex-direction:column;
  gap:12px;
}

.trust-item{
  display:flex;
  align-items:center;
  gap:10px;
  font-size:12px;
  color:var(--text-secondary);
  font-weight:500;
}

.trust-item svg{color:var(--red);flex-shrink:0}

/* ── Form shell ── */
.form-shell{display:flex;flex-direction:column;gap:0}

.progress-header{
  background:#fff;
  border:1px solid var(--border);
  border-bottom:none;
  border-radius:var(--radius-lg) var(--radius-lg) 0 0;
  padding:18px 24px 16px;
}

.progress-meta{
  display:flex;
  justify-content:space-between;
  align-items:center;
  margin-bottom:10px;
}

.progress-step-label{
  font-size:13px;
  font-weight:600;
  color:var(--text-secondary);
}

.progress-pct{
  font-size:13px;
  font-weight:800;
  color:var(--red);
}

.progress-track{
  height:5px;
  background:var(--bg-subtle);
  border-radius:999px;
  overflow:hidden;
}

.progress-fill{
  height:100%;
  background:linear-gradient(90deg,var(--red-dark),var(--red));
  border-radius:999px;
  transition:width .45s cubic-bezier(.4,0,.2,1);
}

.form-card{
  border-radius:0 0 var(--radius-lg) var(--radius-lg);
  border-top:none;
  padding:32px;
}

.card{
  background:var(--card);
  border:1px solid var(--border);
  box-shadow:var(--shadow);
}

.card-head{margin-bottom:28px}

.section-badge{
  display:inline-block;
  font-size:11px;
  font-weight:700;
  letter-spacing:.08em;
  text-transform:uppercase;
  color:var(--red);
  background:var(--red-soft);
  padding:4px 10px;
  border-radius:6px;
  margin-bottom:12px;
}

.card h2{
  margin:0 0 8px;
  font-size:1.5rem;
  font-weight:800;
  letter-spacing:-.02em;
}

.card-sub{
  margin:0;
  color:var(--muted);
  font-size:14px;
  max-width:560px;
}

.form-section{
  margin-bottom:28px;
  padding-bottom:28px;
  border-bottom:1px solid var(--border-light);
}

.form-section:last-of-type{
  border-bottom:none;
  margin-bottom:0;
  padding-bottom:0;
}

.form-section-title{
  margin:0 0 16px;
  font-size:12px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:.06em;
  color:var(--muted);
}

.grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:20px;
}

.field label{
  display:block;
  font-size:13px;
  margin-bottom:8px;
  font-weight:600;
  color:var(--text-secondary);
}

.req{color:var(--red)}

input,select,textarea{
  width:100%;
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:0 14px;
  font:inherit;
  font-size:15px;
  color:var(--text);
  background:#fff;
  transition:border-color .2s,box-shadow .2s,background .2s;
}

input,select{height:50px}

input::placeholder{color:#a0aec0}

input:hover,select:hover{border-color:#b0b8c4}

input:focus,select:focus,textarea:focus{
  outline:none;
  border-color:var(--red);
  box-shadow:0 0 0 3px var(--red-soft);
}

input.invalid,select.invalid{border-color:var(--red)}

.field-error{
  display:block;
  min-height:18px;
  margin-top:6px;
  font-size:12px;
  color:var(--red);
  font-weight:500;
}

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

.field-hint{
  display:block;
  margin-top:6px;
  font-size:12px;
  color:var(--muted);
}

.input-prefix{
  display:flex;
  align-items:stretch;
}

.input-prefix .prefix{
  display:flex;
  align-items:center;
  padding:0 14px;
  background:var(--bg-subtle);
  border:1px solid var(--border);
  border-right:none;
  border-radius:var(--radius) 0 0 var(--radius);
  font-size:14px;
  font-weight:700;
  color:var(--muted);
}

.input-prefix input{
  border-radius:0 var(--radius) var(--radius) 0;
}

.date-wrap{display:flex}

.date-wrap input{
  border-radius:var(--radius) 0 0 var(--radius);
  cursor:pointer;
}

.date-trigger{
  flex-shrink:0;
  width:50px;
  height:50px;
  border:1px solid var(--border);
  border-left:none;
  border-radius:0 var(--radius) var(--radius) 0;
  background:var(--bg-subtle);
  cursor:pointer;
  display:flex;
  align-items:center;
  justify-content:center;
  color:var(--muted);
  transition:background .2s,color .2s;
}

.date-trigger:hover{background:#eee;color:var(--red)}

.consent{
  margin-top:24px;
  padding:18px 20px;
  background:var(--bg-subtle);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
}

.checkbox{
  display:flex;
  align-items:flex-start;
  gap:12px;
  cursor:pointer;
  font-size:13px;
  line-height:1.5;
  color:var(--text-secondary);
}

.checkbox input{
  width:18px;
  height:18px;
  margin-top:2px;
  flex-shrink:0;
  accent-color:var(--red);
}

/* ── Patrimony ── */
.patrimony-section{margin-top:8px}

.patrimony-brief{
  margin:-4px 0 18px;
  padding:16px 18px;
  border:1px solid #e2e8f0;
  border-radius:14px;
  background:linear-gradient(180deg,#fafbfd 0%,#fff 100%);
}

.patrimony-lead{
  font-size:14px;
  color:var(--text);
  margin:0 0 14px;
  line-height:1.6;
}

.patrimony-lead strong{color:#0f172a;font-weight:800}

.patrimony-compare{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:10px;
  margin-bottom:14px;
}

.patrimony-compare-col{
  padding:12px 14px;
  border-radius:10px;
  border:1px solid #e2e8f0;
  background:#fff;
}

.patrimony-compare-col--highlight{
  border-color:rgba(207,0,0,.22);
  background:linear-gradient(180deg,#fffafa,#fff);
}

.patrimony-compare-label{
  display:block;
  font-size:10px;
  font-weight:800;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:var(--text-secondary);
  margin-bottom:6px;
}

.patrimony-compare-col--highlight .patrimony-compare-label{color:var(--red)}

.patrimony-compare-col p{
  margin:0;
  font-size:12px;
  line-height:1.5;
  color:var(--text-secondary);
}

.patrimony-keypoints{
  margin:0 0 12px;
  padding:0 0 0 18px;
  display:flex;
  flex-direction:column;
  gap:6px;
}

.patrimony-keypoints li{
  font-size:12.5px;
  line-height:1.5;
  color:var(--text-secondary);
}

.patrimony-step-hint{
  margin:0;
  padding-top:12px;
  border-top:1px solid #e2e8f0;
  font-size:12px;
  font-weight:700;
  color:#334155;
  line-height:1.5;
}

.patrimony-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:8px;
}

.patrimony-chip{
  display:flex;
  align-items:center;
  justify-content:center;
  min-height:48px;
  padding:11px 12px;
  border:1px solid var(--border);
  border-radius:8px;
  background:#fff;
  cursor:pointer;
  font:inherit;
  text-align:center;
  transition:border-color .2s,background .2s,box-shadow .2s;
  touch-action:manipulation;
  -webkit-tap-highlight-color:transparent;
}

.patrimony-chip:hover{border-color:#94a3b8;background:#f8fafc}

.patrimony-chip.selected{
  border-color:var(--red);
  background:#fff;
  box-shadow:inset 0 0 0 1px var(--red);
}

.patrimony-chip-none.selected{
  background:#f8fafc;
  border-color:#64748b;
  box-shadow:inset 0 0 0 1px #64748b;
}

.patrimony-chip-label{
  font-size:12px;
  font-weight:600;
  line-height:1.35;
  color:#1e293b;
  letter-spacing:.01em;
}

.patrimony-panel{
  margin-top:16px;
  display:flex;
  flex-direction:column;
  gap:12px;
}

.patrimony-tier-hint{
  font-size:11px;
  font-weight:700;
  color:#475569;
  margin:0 0 4px;
  text-transform:uppercase;
  letter-spacing:.06em;
}

.patrimony-tier-list{display:flex;flex-direction:column;gap:10px}

.patrimony-tier-row{
  background:#fff;
  border:1px solid var(--border);
  border-radius:8px;
  padding:14px 16px;
}

.patrimony-tier-head{
  margin-bottom:12px;
  padding-bottom:10px;
  border-bottom:1px solid #e2e8f0;
}

.patrimony-tier-head strong{font-size:13px;font-weight:700;color:#0f172a;letter-spacing:.02em}

.patrimony-tier-pills{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:8px;
}

.patrimony-tier-pill{
  border:1px solid var(--border);
  border-radius:6px;
  background:#fff;
  padding:10px 8px;
  cursor:pointer;
  font:inherit;
  text-align:center;
  transition:border-color .15s,background .15s;
  touch-action:manipulation;
}

.patrimony-tier-pill strong{
  display:block;
  font-size:11px;
  font-weight:600;
  line-height:1.4;
  color:#334155;
}

.patrimony-tier-pill.selected{
  border-color:var(--red);
  background:#fff;
  box-shadow:inset 0 0 0 1px var(--red);
}

.patrimony-tier-pill.selected strong{color:#0f172a;font-weight:700}

.patrimony-insight{
  border:1px solid #dbeafe;
  background:linear-gradient(135deg,#f8fbff,#f0f7ff);
  border-radius:14px;
  padding:16px 18px;
}

.patrimony-insight-stats{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:10px 16px;
  margin-bottom:14px;
}

.patrimony-stat span{
  display:block;
  font-size:11px;
  font-weight:600;
  color:var(--muted);
  text-transform:uppercase;
  letter-spacing:.03em;
}

.patrimony-stat strong{
  display:block;
  margin-top:4px;
  font-size:17px;
  font-weight:800;
  color:var(--text);
  letter-spacing:-.02em;
}

.patrimony-stat.stat-highlight strong{color:var(--red)}

.patrimony-insight-note{
  font-size:13px;
  line-height:1.55;
  color:#1e3a5f;
  margin:0;
  padding-top:12px;
  border-top:1px solid rgba(59,130,246,.15);
}

.patrimony-insight-note strong{color:#0f172a}

.form-step{
  border:none;
  margin:0;
  padding:0;
  min-width:0;
  animation:fadeStep .35s ease;
}

@keyframes fadeStep{
  from{opacity:0;transform:translateY(8px)}
  to{opacity:1;transform:translateY(0)}
}

/* ── Form footer ── */
.form-footer{
  display:flex;
  justify-content:flex-end;
  align-items:center;
  gap:12px;
  margin-top:32px;
  padding-top:24px;
  border-top:1px solid var(--border-light);
  flex-wrap:wrap;
}

.form-footer .btn{
  touch-action:manipulation;
  -webkit-tap-highlight-color:transparent;
  user-select:none;
}

#form-actions .btn[hidden],
.form-footer .btn[hidden]{
  display:none!important;
  pointer-events:none!important;
}

.btn{
  background:#fff;
  border:1.5px solid var(--border);
  padding:12px 22px;
  border-radius:var(--radius);
  font-weight:600;
  font-size:14px;
  cursor:pointer;
  font:inherit;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  transition:transform .15s,background .2s,border-color .2s,box-shadow .2s;
}

.btn:hover{
  transform:translateY(-1px);
  box-shadow:var(--shadow-sm);
}

.btn-ghost{
  background:transparent;
  border-color:transparent;
  color:var(--muted);
}

.btn-ghost:hover{
  background:var(--bg-subtle);
  border-color:var(--border);
  color:var(--text);
}

.btn-primary{
  background:var(--red);
  border-color:var(--red);
  color:#fff;
}

.btn-primary:hover{
  background:var(--red-dark);
  border-color:var(--red-dark);
  box-shadow:0 4px 14px rgba(207,0,0,.25);
}

.btn-lg{padding:14px 28px;font-size:15px}

.btn:disabled{opacity:.55;cursor:not-allowed;transform:none;box-shadow:none}

.btn.is-loading{position:relative;color:transparent;pointer-events:none}
.btn.is-loading::after{
  content:"";
  position:absolute;
  width:18px;height:18px;
  border:2px solid rgba(255,255,255,.35);
  border-top-color:#fff;
  border-radius:50%;
  animation:spin .7s linear infinite;
}
.btn:not(.btn-primary).is-loading::after{
  border-color:rgba(0,0,0,.15);
  border-top-color:#666;
}

.hp-field{position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none}

.calendar-backdrop{
  position:fixed;
  inset:0;
  background:rgba(15,23,42,.45);
  z-index:1999;
  -webkit-tap-highlight-color:transparent;
}

body.cal-open{overflow:hidden}

/* ── Calendar ── */
.calendar-popup{
  position:absolute;
  z-index:2000;
  width:310px;
  background:#fff;
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);
  padding:18px;
  animation:slideDown .2s ease;
}

.cal-header{display:flex;align-items:center;justify-content:space-between;gap:8px;margin-bottom:14px}
.cal-title{font-weight:700;font-size:15px;letter-spacing:-.01em;flex:1;text-align:center}
.cal-picker{display:flex;align-items:center;gap:6px;flex:1;min-width:0;justify-content:center}
.cal-select{
  flex:1;
  min-width:0;
  max-width:130px;
  min-height:40px;
  padding:8px 28px 8px 10px;
  border:1.5px solid var(--border);
  border-radius:10px;
  background:var(--bg-subtle) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23666' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E") no-repeat right 10px center;
  font:inherit;
  font-size:14px;
  font-weight:600;
  color:var(--text);
  cursor:pointer;
  appearance:none;
  -webkit-appearance:none;
}
.cal-year{max-width:88px;flex:0 0 88px}
.cal-month{flex:1 1 auto}
.cal-nav{
  width:36px;height:36px;
  border:1px solid var(--border);
  border-radius:var(--radius);
  background:#fff;
  cursor:pointer;
  font-size:20px;
  color:var(--text);
  transition:background .15s;
}
.cal-nav:hover{background:var(--bg-subtle)}
.cal-weekdays{display:grid;grid-template-columns:repeat(7,1fr);gap:4px;margin-bottom:6px}
.cal-weekdays span{text-align:center;font-size:11px;font-weight:700;color:var(--muted)}
.cal-days{display:grid;grid-template-columns:repeat(7,1fr);gap:4px}
.cal-day{
  height:38px;border:none;border-radius:var(--radius);
  background:transparent;cursor:pointer;font:inherit;font-size:14px;
  transition:background .15s,color .15s;
}
.cal-day:not(.empty):not(.disabled):hover{background:var(--bg-subtle)}
.cal-day.selected{background:var(--red);color:#fff;font-weight:700}
.cal-day.today:not(.selected){border:1.5px solid var(--red);color:var(--red);font-weight:600}
.cal-day.disabled{opacity:.3;cursor:not-allowed}
.cal-footer{margin-top:12px;text-align:center}
.cal-today-btn{border:none;background:none;color:var(--red);font-weight:600;cursor:pointer;font:inherit;font-size:13px}

/* ── Results ── */
.results-panel{padding:0}

.results-success-banner{
  display:flex;
  align-items:flex-start;
  gap:14px;
  padding:18px 20px;
  background:var(--success-bg);
  border:1px solid #b8dfc4;
  border-radius:var(--radius-lg);
  margin-bottom:28px;
}

.results-success-banner svg{color:var(--success);flex-shrink:0;margin-top:2px}
.results-success-banner strong{display:block;font-size:14px;margin-bottom:2px}
.results-success-banner p{margin:0;font-size:13px;color:var(--text-secondary)}

.results-hero{
  text-align:center;
  padding:8px 0 32px;
}

.results-ring-wrap{display:flex;justify-content:center;margin-bottom:16px}

.results-ring{
  width:200px;
  height:200px;
  border-radius:50%;
  background:conic-gradient(
    var(--red) 0 calc(var(--avs-pct) * 1%),
    #3d4450 calc(var(--avs-pct) * 1%) 100%
  );
  display:flex;
  align-items:center;
  justify-content:center;
  box-shadow:var(--shadow);
}

.results-ring-inner{
  width:156px;
  height:156px;
  border-radius:50%;
  background:#fff;
  display:flex;
  flex-direction:column;
  align-items:center;
  justify-content:center;
  padding:16px;
}

.results-label{
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:.06em;
  color:var(--muted);
  margin-bottom:4px;
}

.results-total{
  font-size:1.65rem;
  font-weight:800;
  color:var(--text);
  letter-spacing:-.03em;
  line-height:1.1;
}

.results-sub{
  margin:0;
  color:var(--muted);
  font-size:14px;
  font-weight:500;
}

.results-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:16px;
  margin-bottom:24px;
}

.result-card{
  background:var(--bg-subtle);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:22px;
  display:flex;
  flex-direction:column;
  gap:8px;
  transition:box-shadow .2s;
}

.result-card:hover{box-shadow:var(--shadow-sm)}

.result-card-top{
  display:flex;
  align-items:center;
  gap:10px;
}

.result-card-icon{
  width:36px;height:36px;
  border-radius:10px;
  display:flex;align-items:center;justify-content:center;
}

.result-card-avs .result-card-icon{background:var(--red-soft);color:var(--red)}
.result-card-lpp .result-card-icon{background:#e8eaed;color:#3d4450}

.result-card-label{
  font-size:11px;
  font-weight:700;
  color:var(--muted);
  text-transform:uppercase;
  letter-spacing:.04em;
}

.result-card-value{
  font-size:1.5rem;
  font-weight:800;
  letter-spacing:-.02em;
}

.result-card-meta{font-size:12px;color:var(--muted);line-height:1.4}

.results-chart-wrap{
  margin-bottom:24px;
  padding:24px;
  background:var(--bg-subtle);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
}

.chart-title{
  margin:0 0 20px;
  font-size:12px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:.06em;
  color:var(--muted);
  text-align:center;
}

.results-chart{
  display:flex;
  align-items:flex-end;
  justify-content:center;
  gap:48px;
  height:120px;
}

.chart-col{
  display:flex;
  flex-direction:column;
  align-items:center;
  gap:10px;
  height:100%;
  justify-content:flex-end;
}

.chart-col span{font-size:12px;font-weight:600;color:var(--muted)}

.chart-bar{
  width:56px;
  border-radius:10px 10px 0 0;
  min-height:10px;
  transition:height .7s cubic-bezier(.4,0,.2,1);
}

.chart-avs{background:linear-gradient(180deg,#e83030,var(--red))}
.chart-lpp{background:linear-gradient(180deg,#5a6270,#3d4450)}

.results-details{
  margin-bottom:20px;
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:0 20px;
  background:#fff;
}

.results-details summary{
  padding:16px 0;
  cursor:pointer;
  font-weight:700;
  font-size:14px;
  list-style:none;
  display:flex;
  align-items:center;
  justify-content:space-between;
}

.results-details summary::-webkit-details-marker{display:none}

.results-details[open] .chevron{transform:rotate(180deg)}
.chevron{transition:transform .25s;color:var(--muted)}

.results-details .summary{
  margin:0 0 20px;
  border:none;
  padding:0;
  background:transparent;
}

.summary{
  display:grid;
  grid-template-columns:150px 1fr;
  gap:10px 16px;
}

.summary dt{margin:0;font-size:13px;color:var(--muted);font-weight:600}
.summary dd{margin:0;font-size:14px}

.disclaimer{
  margin:0;
  font-size:12px;
  color:var(--muted);
  line-height:1.55;
  padding:16px 18px;
  background:var(--info-bg);
  border:1px solid var(--info-border);
  border-radius:var(--radius-lg);
}

/* ── Bank comparison ── */
.bank-compare-header{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:12px;
  margin-bottom:22px;
}

.compare-stat{
  background:var(--bg-subtle);
  border:1px solid var(--border);
  border-radius:var(--radius-lg);
  padding:14px 16px;
  display:flex;
  flex-direction:column;
  gap:4px;
}

.compare-stat span{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
.compare-stat strong{font-size:15px;font-weight:800;color:var(--text);letter-spacing:-.02em}

.compare-stat-best{
  background:linear-gradient(135deg,#fff5f5,#fff);
  border-color:#f0c0c0;
}

.compare-stat-best strong{color:var(--red)}

.bank-grid{
  display:grid;
  grid-template-columns:repeat(2,1fr);
  gap:14px;
  margin-bottom:12px;
}

.bank-card{
  position:relative;
  display:flex;
  flex-direction:column;
  gap:10px;
  padding:18px;
  background:#fff;
  border:2px solid var(--border);
  border-radius:var(--radius-lg);
  cursor:pointer;
  transition:border-color .2s,box-shadow .2s,transform .15s;
}

.bank-card:hover{
  border-color:#c0c8d4;
  box-shadow:var(--shadow-sm);
  transform:translateY(-2px);
}

.bank-card.selected{
  border-color:var(--red);
  box-shadow:0 0 0 3px var(--red-soft);
}

.bank-card-best{
  background:linear-gradient(180deg,#fffafa 0%,#fff 100%);
}

.bank-card input{position:absolute;opacity:0;pointer-events:none}

.bank-badge{
  position:absolute;
  top:12px;
  right:12px;
  font-size:10px;
  font-weight:800;
  text-transform:uppercase;
  letter-spacing:.04em;
  padding:4px 8px;
  border-radius:6px;
}

.bank-badge-best{background:var(--red);color:#fff}
.bank-badge-yours{background:#0f766e;color:#fff}
.bank-badge-top{background:#1a1a1a;color:#fff}

.bank-card-logo{
  height:56px;
  display:flex;
  align-items:center;
  justify-content:center;
  padding:8px 14px;
  background:#fff;
  border:1px solid var(--border-light);
  border-radius:10px;
  box-shadow:0 1px 2px rgba(0,0,0,.04);
}

.bank-card-logo img{
  height:40px;
  width:auto;
  max-width:100%;
  object-fit:contain;
  display:block;
}

.bank-card-name{
  font-size:15px;
  font-weight:800;
  letter-spacing:-.02em;
}

.bank-card-rates{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:8px;
}

.bank-rate{
  background:var(--bg-subtle);
  border-radius:8px;
  padding:8px 10px;
  display:flex;
  flex-direction:column;
  gap:2px;
}

.bank-rate span{font-size:10px;font-weight:600;color:var(--muted);text-transform:uppercase}
.bank-rate strong{font-size:13px;font-weight:800}

.bank-rate-net{background:var(--red-soft)}
.bank-rate-net strong{color:var(--red)}

.bank-projected{
  padding-top:8px;
  border-top:1px solid var(--border-light);
  display:flex;
  flex-direction:column;
  gap:2px;
}

.bank-projected span{font-size:11px;color:var(--muted);font-weight:600}
.bank-projected strong{font-size:1.1rem;font-weight:800;color:var(--text)}

.bank-gain{
  font-size:11px;
  font-weight:600;
  color:var(--success);
}

.bank-gain-best{color:var(--red)}
.bank-gain-warn{color:#b45309;font-weight:700}

.bank-check{
  position:absolute;
  bottom:14px;
  right:14px;
  width:26px;
  height:26px;
  border-radius:50%;
  border:2px solid var(--border);
  display:flex;
  align-items:center;
  justify-content:center;
  color:transparent;
  transition:background .2s,border-color .2s,color .2s;
}

.bank-card.selected .bank-check{
  background:var(--red);
  border-color:var(--red);
  color:#fff;
}

.bank-select-error{
  display:block;
  min-height:18px;
  margin-top:4px;
  font-size:12px;
  color:var(--red);
  font-weight:500;
}

.bank-disclaimer{
  margin:16px 0 0;
  font-size:11px;
  color:var(--muted);
  line-height:1.5;
}

.bank-choice-summary{
  margin-bottom:24px;
  border:2px solid var(--red);
  border-radius:var(--radius-lg);
  background:linear-gradient(135deg,#fffafa,#fff);
  overflow:hidden;
}

.bank-summary-inner{
  display:flex;
  align-items:center;
  gap:16px;
  padding:16px 20px;
}

.bank-summary-logo{
  flex-shrink:0;
  display:flex;
  align-items:center;
  justify-content:center;
  width:88px;
  height:52px;
  padding:6px 10px;
  background:#fff;
  border:1px solid var(--border-light);
  border-radius:10px;
}

.bank-summary-inner img,.bank-summary-logo img{height:36px;width:auto;max-width:100%;object-fit:contain}

.bank-summary-vs-best{
  display:block;
  margin-top:6px;
  font-size:12px;
  font-weight:600;
  color:#b45309;
}

.bank-summary-label{
  display:block;
  font-size:11px;
  font-weight:700;
  text-transform:uppercase;
  letter-spacing:.05em;
  color:var(--muted);
}

.bank-summary-inner strong{
  display:block;
  font-size:16px;
  font-weight:800;
}

.bank-summary-meta{
  display:block;
  font-size:12px;
  color:var(--text-secondary);
  margin-top:2px;
}

.results-actions{
  margin-top:24px;
  display:flex;
  justify-content:center;
}

/* ── Toast ── */
.toast{
  position:fixed;
  bottom:24px;
  right:24px;
  background:#1a1a1a;
  color:#fff;
  padding:14px 22px;
  border-radius:var(--radius-lg);
  font-size:14px;
  font-weight:500;
  box-shadow:var(--shadow-lg);
  opacity:0;
  transform:translateY(12px);
  pointer-events:none;
  transition:opacity .25s,transform .25s;
  z-index:1000;
  max-width:min(380px,calc(100vw - 40px));
}

.toast.show{opacity:1;transform:translateY(0)}

/* ── Footer ── */
.site-footer{
  margin-top:0;
  background:#5c636a;
  color:#fff;
  padding:36px 0;
}

.foot-grid{
  display:flex;
  align-items:center;
  gap:28px;
  flex-wrap:wrap;
}

.foot-grid img{max-width:200px;height:auto;filter:brightness(1.1)}

.foot-text{
  display:flex;
  flex-direction:column;
  gap:4px;
  font-size:14px;
}

.foot-text strong{font-size:16px;font-weight:800}
.foot-text span{font-size:12px;opacity:.75}

@keyframes slideDown{
  from{opacity:0;transform:translateY(-8px)}
  to{opacity:1;transform:translateY(0)}
}

@keyframes spin{to{transform:rotate(360deg)}}

/* ── Responsive ── */
@media(max-width:1200px){
  .wrap{max-width:960px}
}

@media(max-width:960px){
  .intro-grid{grid-template-columns:1fr}
  .intro-visual{display:none}
  .app-layout{grid-template-columns:1fr;padding:20px 16px 40px;gap:20px}
  .wizard-sidebar{position:static}
  .wizard-steps{display:none}
  .mobile-step-dots{display:flex}
  .sidebar-trust{display:grid;grid-template-columns:1fr 1fr;gap:10px}
  .page-intro{padding:28px 0 32px}
}

@media(max-width:768px){
  .intro-copy h1{font-size:1.65rem}
  .intro-stats{gap:20px}
  .bank-card-rates{grid-template-columns:1fr 1fr}
  .bank-card-rates .bank-rate-net{grid-column:1/-1}
  .results-ring{width:170px;height:170px}
  .results-ring-inner{width:132px;height:132px}
  .results-total{font-size:1.4rem}

  .patrimony-grid{grid-template-columns:repeat(2,1fr)}
  .patrimony-compare{grid-template-columns:1fr}
  .patrimony-brief{padding:14px}
  .patrimony-chip{min-height:44px;padding:10px 8px}
  .patrimony-insight-stats{grid-template-columns:1fr}
  .patrimony-tier-pills{grid-template-columns:1fr}

  body.has-form-dock .form-card{
    padding-bottom:calc(88px + env(safe-area-inset-bottom));
  }

  #form-actions:not([hidden]){
    position:fixed;
    bottom:0;
    left:0;
    right:0;
    z-index:900;
    margin:0;
    padding:10px 16px calc(10px + env(safe-area-inset-bottom));
    background:rgba(255,255,255,.98);
    backdrop-filter:blur(12px);
    -webkit-backdrop-filter:blur(12px);
    border-top:1px solid var(--border);
    box-shadow:0 -6px 28px rgba(15,23,42,.1);
    flex-direction:row;
    flex-wrap:nowrap;
    align-items:stretch;
    gap:10px;
  }

  #form-actions:not([hidden]) .btn{
    width:auto;
    min-height:52px;
    font-size:15px;
  }

  #form-actions:not([hidden]) .btn-primary,
  #form-actions:not([hidden]) #submit-calc{
    flex:1 1 auto;
  }

  #form-actions:not([hidden]) .btn-ghost:not([hidden]){
    flex:0 0 38%;
    max-width:42%;
  }

  #form-actions:not([hidden]) .btn-ghost[hidden] + .btn-primary,
  #form-actions:not([hidden]) .btn-ghost[hidden] + #submit-calc{
    flex:1 1 100%;
  }

  .toast{
    bottom:calc(84px + env(safe-area-inset-bottom));
    left:16px;right:16px;max-width:none;
  }
}

@media(max-width:640px){
  .wrap{padding:0 14px}
  .grid{grid-template-columns:1fr}
  .results-grid{grid-template-columns:1fr}
  .bank-grid{grid-template-columns:1fr}
  .bank-compare-header{grid-template-columns:1fr}
  .sidebar-trust{grid-template-columns:1fr}
  .form-card{padding:20px 16px}
  .progress-header{padding:12px 16px}
  .calendar-popup{
    position:fixed!important;
    left:50%!important;top:50%!important;
    transform:translate(-50%,-50%)!important;
    width:min(340px,calc(100vw - 28px))!important;
    max-height:90vh;overflow:auto;
  }
  .cal-select{min-height:44px;font-size:16px}
  .cal-year{max-width:96px;flex:0 0 96px}
  .summary{grid-template-columns:1fr}
  .summary dt{margin-top:8px}
  .header-meta .pill-live{display:none}
  .brand-tag{display:none}
  .logo{height:44px}
  .header-inner{padding:10px 0}
  input,select{height:48px;font-size:16px}
  .date-trigger{width:48px;height:48px}
  .bank-card{padding:16px;padding-bottom:48px}
  .foot-grid{flex-direction:column;text-align:center}
  .foot-grid img{max-width:160px;margin:0 auto}
}

@media(max-width:380px){
  .intro-stats{flex-direction:column;gap:12px}
  .bank-card-rates{grid-template-columns:1fr}
}

@media(hover:none){
  .bank-card:hover,.btn:hover{transform:none}
}

@media(orientation:landscape) and (max-height:520px){
  .page-intro{padding:16px 0}
  .intro-stats{display:none}
}