:root{
    --navy:#10263A; --navy-2:#1b3a56; --gold:#C8A13C; --gold-soft:#dcc07e;
    --grey:#E7E7E4; --ink:#1E1E1E; --muted:#6a6f75; --line:#d8d8d4;
    --ok:#1f7a4d; --bad:#b3261e; --white:#fff;
    --shadow:0 2px 10px rgba(16,38,58,.08);
  }
  *{box-sizing:border-box}
  html,body{margin:0;height:100%}
  body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
    color:var(--ink);background:var(--grey);-webkit-font-smoothing:antialiased;}
  .serif{font-family:Georgia,"Times New Roman",serif;}
  /* Layout */
  .app{display:flex;min-height:100vh;}
  .side{width:230px;background:var(--navy);color:#dfe5ec;flex-shrink:0;display:flex;flex-direction:column;}
  .brand{padding:22px 20px 18px;border-bottom:1px solid rgba(255,255,255,.08);}
  .brand .logo{font-family:Georgia,serif;font-size:26px;font-weight:700;color:#fff;letter-spacing:.5px;}
  .brand .logo .x{color:var(--gold);margin-left:4px;}
  .brand .sub{font-size:11px;letter-spacing:2px;color:#9fb0c2;margin-top:2px;text-transform:uppercase;}
  .nav{padding:10px 0;flex:1;}
  .nav a{display:flex;align-items:center;gap:10px;padding:12px 20px;color:#c7d2de;text-decoration:none;font-size:14px;cursor:pointer;border-left:3px solid transparent;}
  .nav a:hover{background:rgba(255,255,255,.05);}
  .nav a.active{background:rgba(200,161,60,.14);border-left-color:var(--gold);color:#fff;}
  .nav .ic{width:18px;text-align:center;opacity:.9}
  .nav-sec{padding:16px 20px 6px;font-size:10.5px;text-transform:uppercase;letter-spacing:1.5px;color:#7d8da0;font-weight:700;}
  .nav-toggle{display:flex;align-items:center;gap:10px;padding:12px 20px;color:#c7d2de;cursor:pointer;font-size:14px;border-left:3px solid transparent;margin-top:6px;}
  .nav-toggle:hover{background:rgba(255,255,255,.05);}
  .nav-toggle .chev{margin-left:auto;font-size:11px;transition:transform .15s;display:inline-block;color:#9fb0c2;}
  .nav-toggle .chev.open{transform:rotate(90deg);}
  .nav-sub a{padding-left:44px;}
  .reg-wrap{overflow-x:auto;}
  .reg-tbl{width:100%;border-collapse:collapse;min-width:640px;}
  .reg-tbl th{text-align:left;font-size:10.5px;text-transform:uppercase;letter-spacing:.3px;color:var(--muted);font-weight:700;padding:6px 8px;border-bottom:2px solid var(--navy);}
  .reg-tbl td{padding:4px 6px;border-bottom:1px solid #eee;}
  .reg-tbl td input{width:100%;border:1px solid transparent;background:transparent;padding:8px;border-radius:6px;font-size:13.5px;}
  .reg-tbl td input:hover{border-color:var(--line);}
  .reg-tbl td input:focus{border-color:var(--gold);background:#fff;outline:none;}
  .reg-tbl td.reg-del{text-align:center;}
  .reg-tbl .li-del{width:32px;height:32px;}
  .cpd-head{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:8px;}
  .cpd-stat{text-align:right;flex-shrink:0;}
  .cpd-nums{display:flex;align-items:baseline;gap:6px;justify-content:flex-end;}
  .cpd-big{font-family:Georgia,serif;font-size:30px;font-weight:700;color:var(--navy);line-height:1;}
  .cpd-of{font-size:12px;color:var(--muted);}
  .cpd-target{font-size:12px;color:var(--muted);margin-top:4px;}
  .cpd-target input{border:1px solid var(--line);border-radius:6px;padding:3px 6px;font-size:12px;text-align:center;width:48px;}
  .cpd-progress{height:10px;background:#ecece9;border-radius:6px;overflow:hidden;margin:8px 0 4px;}
  .cpd-bar{height:100%;background:var(--gold);transition:width .2s;}
  .cpd-status{font-size:12.5px;font-weight:700;color:var(--navy);margin-bottom:12px;}
  .cpd-status.ok{color:var(--ok);}
  .cpd-attach{color:var(--navy);font-weight:700;font-size:12px;cursor:pointer;border:1.5px dashed var(--gold);border-radius:6px;padding:5px 10px;display:inline-block;}
  .cpd-attach:hover{background:#faf6ea;}
  .cpd-file{color:var(--navy);font-weight:600;font-size:12.5px;cursor:pointer;text-decoration:underline;}
  .side .foot{padding:14px 20px;font-size:10.5px;color:#7d8da0;border-top:1px solid rgba(255,255,255,.08);}
  .main{flex:1;min-width:0;display:flex;flex-direction:column;}
  .topbar{background:#fff;border-bottom:1px solid var(--line);padding:14px 26px;display:flex;align-items:center;justify-content:space-between;gap:16px;}
  .topbar h1{margin:0;font-size:18px;color:var(--navy);font-family:Georgia,serif;font-weight:700;}
  .topbar .who{font-size:12.5px;color:var(--muted);}
  .content{padding:26px;max-width:1050px;width:100%;margin:0 auto;}
  /* Buttons */
  .btn{background:var(--navy);color:#fff;border:none;border-radius:8px;padding:11px 18px;font-size:14px;cursor:pointer;font-weight:600;}
  .btn:hover{background:var(--navy-2);}
  .btn.gold{background:var(--gold);color:var(--navy);}
  .btn.gold:hover{filter:brightness(1.05);}
  .btn.ghost{background:transparent;color:var(--navy);border:1.5px solid var(--navy);}
  .btn.sm{padding:7px 12px;font-size:12.5px;border-radius:6px;}
  .btn.danger{background:transparent;color:var(--bad);border:1.5px solid var(--bad);}
  /* Cards & forms */
  .card{background:#fff;border-radius:12px;box-shadow:var(--shadow);padding:22px;margin-bottom:20px;}
  .card h2{margin:0 0 4px;font-size:16px;color:var(--navy);font-family:Georgia,serif;}
  .card .hint{font-size:12.5px;color:var(--muted);margin-bottom:16px;}
  label{display:block;font-size:12px;color:var(--muted);margin:12px 0 5px;font-weight:600;letter-spacing:.2px;text-transform:uppercase;}
  input[type=text],input[type=number],textarea,select{width:100%;padding:11px 12px;border:1.5px solid var(--line);border-radius:8px;font-size:15px;font-family:inherit;background:#fff;}
  input:focus,textarea:focus,select:focus{outline:none;border-color:var(--gold);}
  textarea{min-height:70px;resize:vertical;}
  .grid{display:grid;grid-template-columns:1fr 1fr;gap:0 20px;}
  .grid-3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:0 20px;}
  .row{display:flex;gap:16px;flex-wrap:wrap;align-items:flex-end;}
  /* ID derived panel */
  .derived{margin-top:14px;background:#f6f7f5;border:1px solid var(--line);border-radius:10px;padding:14px 16px;display:grid;grid-template-columns:repeat(4,1fr);gap:12px;}
  .derived .d{font-size:12px;color:var(--muted);}
  .derived .d b{display:block;font-size:16px;color:var(--navy);font-weight:700;margin-top:3px;}
  .badge{display:inline-block;padding:4px 10px;border-radius:20px;font-size:12px;font-weight:700;}
  .badge.ok{background:#e3f2ea;color:var(--ok);}
  .badge.bad{background:#fbe7e6;color:var(--bad);}
  .badge.wait{background:#f0eddf;color:#8a7320;}
  /* Client list */
  .clientrow{display:flex;align-items:center;justify-content:space-between;padding:14px 16px;border:1px solid var(--line);border-radius:10px;margin-bottom:10px;background:#fff;cursor:pointer;}
  .clientrow:hover{border-color:var(--gold);}
  .clientrow .nm{font-weight:700;color:var(--navy);font-size:15px;}
  .clientrow .meta{font-size:12.5px;color:var(--muted);margin-top:2px;}
  .avatar{width:42px;height:42px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-weight:700;font-family:Georgia,serif;font-size:16px;margin-right:14px;flex-shrink:0;}
  .cl-left{display:flex;align-items:center;}
  .tabs{display:flex;gap:4px;border-bottom:1px solid var(--line);margin-bottom:20px;flex-wrap:wrap;}
  .tabs button{background:none;border:none;padding:11px 16px;font-size:14px;color:var(--muted);cursor:pointer;border-bottom:3px solid transparent;font-weight:600;}
  .tabs button.active{color:var(--navy);border-bottom-color:var(--gold);}
  .pill{background:var(--navy);color:#fff;font-size:11px;padding:3px 9px;border-radius:20px;margin-left:8px;}
  .muted{color:var(--muted);font-size:13px;}
  .flag{font-size:12.5px;padding:10px 12px;border-radius:8px;background:#fff8e6;border:1px solid #f0e2b8;color:#6b5a15;margin-top:10px;}
  /* One page plan */
  .opp{background:var(--grey);border-radius:14px;overflow:hidden;box-shadow:var(--shadow);max-width:620px;margin:0 auto;}
  .opp-head{background:var(--gold);color:var(--navy);padding:22px 24px;position:relative;}
  .opp-head .nm{font-family:Georgia,serif;font-size:30px;font-weight:700;line-height:1;}
  .opp-head .vals{font-size:12.5px;font-weight:700;margin-top:10px;color:#5c4a16;letter-spacing:.3px;text-transform:uppercase;}
  .opp-logo{position:absolute;top:18px;right:22px;font-family:Georgia,serif;font-weight:700;color:var(--navy);font-size:18px;}
  .opp-logo .x{color:#fff;}
  .opp-body{padding:22px 24px;}
  .opp-sec-t{font-family:Georgia,serif;color:var(--navy);letter-spacing:1px;font-size:13px;text-transform:uppercase;font-weight:700;margin:16px 0 8px;}
  .opp-cash div{font-size:14px;margin:3px 0;}
  .bars{display:flex;align-items:flex-end;gap:12px;height:120px;margin:8px 0;}
  .bar{flex:1;background:var(--navy);border-radius:4px 4px 0 0;position:relative;min-height:6px;}
  .bar span{position:absolute;top:-18px;left:0;right:0;text-align:center;font-size:10px;color:var(--muted);}
  .bar em{position:absolute;bottom:-18px;left:0;right:0;text-align:center;font-size:11px;color:var(--navy);font-style:normal;font-weight:700;}
  .heros{display:grid;grid-template-columns:1fr 1fr 1fr;background:var(--navy);color:#fff;}
  .hero{padding:18px 16px;text-align:center;border-right:1px solid rgba(255,255,255,.12);}
  .hero:last-child{border-right:none;}
  .hero b{font-family:Georgia,serif;font-size:26px;display:block;color:#fff;}
  .hero small{font-size:11px;color:#b9c4d1;display:block;margin-top:6px;line-height:1.3;}
  .actions ul{margin:6px 0 0;padding-left:18px;}
  .actions li{font-size:13px;margin:4px 0;}
  .alloc{display:flex;gap:16px;align-items:center;}
  /* Signature */
  .sigwrap{border:1.5px dashed var(--line);border-radius:10px;background:#fcfcfb;position:relative;}
  canvas.sig{width:100%;height:180px;display:block;touch-action:none;border-radius:10px;}
  .sig-hint{position:absolute;left:14px;bottom:10px;color:#c2c2bd;font-size:12px;pointer-events:none;}
  .consent{background:#f8f9f7;border:1px solid var(--line);border-radius:10px;padding:16px;font-size:13px;line-height:1.5;max-height:230px;overflow:auto;}
  .signed-stamp{border:1px solid var(--line);border-radius:10px;padding:14px;display:flex;gap:16px;align-items:center;}
  .signed-stamp img{height:70px;border:1px solid var(--line);border-radius:6px;background:#fff;}
  .empty{text-align:center;color:var(--muted);padding:40px 20px;}
  .empty .big{font-size:44px;color:var(--gold);}
  @media(max-width:760px){
    .side{width:100%;position:fixed;bottom:0;top:auto;z-index:20;flex-direction:row;height:58px;}
    .brand,.side .foot{display:none;}
    .nav{display:flex;padding:0;}
    .nav a{flex:1;flex-direction:column;gap:2px;font-size:10px;padding:8px 4px;border-left:none;border-top:3px solid transparent;justify-content:center;text-align:center;}
    .nav a.active{border-left:none;border-top-color:var(--gold);}
    .main{padding-bottom:64px;}
    .grid,.grid-3,.derived,.heros{grid-template-columns:1fr 1fr;}
    .content{padding:16px;}
  }
  /* Disclosure */
  .disc-title{display:flex;align-items:flex-start;justify-content:space-between;gap:12px;flex-wrap:wrap;margin-bottom:6px;}
  .glance{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:16px 0 20px;}
  .glance .g{background:#f6f7f5;border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:8px;padding:12px 14px;}
  .glance .g b{display:block;color:var(--navy);font-size:13.5px;margin-bottom:3px;}
  .glance .g span{font-size:12px;color:var(--muted);}
  details.acc-item{border:1px solid var(--line);border-radius:8px;margin-bottom:8px;background:#fff;overflow:hidden;}
  details.acc-item summary{list-style:none;cursor:pointer;padding:13px 16px;font-weight:700;color:var(--navy);font-size:14px;display:flex;align-items:center;justify-content:space-between;}
  details.acc-item summary::-webkit-details-marker{display:none;}
  details.acc-item summary::after{content:'＋';color:var(--gold);font-size:18px;line-height:1;}
  details.acc-item[open] summary::after{content:'－';}
  details.acc-item[open] summary{background:#f6f7f5;}
  .acc-body{padding:4px 16px 16px;font-size:13.5px;line-height:1.6;color:#333;}
  .acc-body ul{margin:6px 0;padding-left:18px;}
  .acc-body li{margin:3px 0;}
  .acc-body .kv{margin:2px 0;}
  .signed-ok{background:#e9f4ee;border:1px solid #bfe0cd;border-radius:10px;padding:16px;display:flex;gap:16px;align-items:center;flex-wrap:wrap;margin-top:16px;}
  .signed-ok img{height:64px;border:1px solid var(--line);border-radius:6px;background:#fff;}
  #printDoc{display:none;}
  @media print{
    @page{size:A4;margin:9mm;}
    html,body{background:#fff!important;}
    .app{display:none!important;}
    #printDoc{display:block!important;padding:0;color:#000;}
    #printDoc *{-webkit-print-color-adjust:exact!important;print-color-adjust:exact!important;}
    .no-print{display:none!important;}
    #printDoc .opp{page-break-after:always;box-shadow:none;max-width:176mm;margin:0 auto;border-radius:0;}
    /* print viewports are ~700px wide, which wrongly triggers the mobile layout — force desktop grids back */
    #printDoc .heros{display:grid!important;grid-template-columns:1fr 1fr 1fr!important;}
    #printDoc .hero b{font-family:Georgia,serif!important;font-weight:700!important;font-size:28px!important;color:var(--gold-soft)!important;}
    #printDoc .cov-grid{grid-template-columns:1fr 1fr!important;}
    #printDoc .ctile-grid{grid-template-columns:1fr 1fr!important;}
    #printDoc .grid{grid-template-columns:1fr 1fr!important;}
    #printDoc .grid-3{grid-template-columns:1fr 1fr 1fr!important;}
    #printDoc .derived{grid-template-columns:repeat(4,1fr)!important;}
  }
  /* One-page plan — cover (risk) pages */
  .opp.cover{margin-top:22px;}
  .cover-head{background:var(--navy);color:#fff;padding:24px;position:relative;}
  .cover-head .opp-logo{position:absolute;top:18px;right:22px;color:#fff;font-family:Georgia,serif;font-weight:700;font-size:18px;}
  .cover-head .opp-logo .x{color:var(--gold);}
  .cover-eyebrow{color:var(--gold);font-size:12px;letter-spacing:2px;text-transform:uppercase;font-weight:700;}
  .cover-nm{font-family:Georgia,serif;font-size:30px;font-weight:700;margin-top:6px;line-height:1;}
  .cover-body{padding:22px 24px;}
  .ctile-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
  .ctile{border:1px solid var(--line);border-radius:12px;padding:16px;background:#fff;}
  .ctile-top{display:flex;align-items:center;gap:12px;margin-bottom:10px;}
  .ctile-ic{width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:20px;flex-shrink:0;}
  .ctile-nm{font-weight:700;color:var(--navy);font-size:15px;}
  .ctile-sub{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.3px;}
  .ctile-cover{display:flex;align-items:flex-end;justify-content:space-between;gap:16px;margin-top:2px;}
  .ctile-clab{font-size:9px;text-transform:uppercase;letter-spacing:.4px;color:var(--muted);font-weight:700;margin-bottom:2px;}
  .ctile-big{font-family:Georgia,serif;font-size:25px;font-weight:700;color:var(--navy);line-height:1;}
  .ctile-big .pm,.ctile-prem-val .pm{font-size:12px;color:var(--muted);font-family:inherit;font-weight:400;}
  .ctile-prem{text-align:right;flex-shrink:0;}
  .ctile-prem-val{font-weight:700;color:var(--navy);font-size:15px;font-family:Georgia,serif;}
  .ctile-lines{margin-top:10px;font-size:12.5px;color:#333;}
  .ctile-lines .cshort{color:var(--bad);font-weight:700;margin-top:3px;}
  .ctile-lines .cok{color:var(--ok);font-weight:700;margin-top:3px;}
  .cover-strip{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:16px;background:var(--gold);border-radius:12px;padding:16px 18px;color:var(--navy);}
  .cs-lab{font-size:11px;text-transform:uppercase;letter-spacing:.5px;font-weight:700;color:#5c4a16;}
  .cs-val{font-weight:700;margin-top:3px;font-size:14px;}
  @media(max-width:760px){ .glance{grid-template-columns:1fr;} }
  /* FNA stats & line items */
  .stats{display:flex;gap:12px;flex-wrap:wrap;margin-top:14px;}
  .stat{background:#f6f7f5;border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:8px;padding:9px 15px;min-width:130px;}
  .stat .lab{font-size:10px;text-transform:uppercase;letter-spacing:.4px;color:var(--muted);font-weight:700;}
  .stat .val{font-size:19px;font-weight:700;color:var(--navy);font-family:Georgia,serif;margin-top:2px;}
  .stat .val.good{color:var(--ok);} .stat .val.bad{color:var(--bad);}
  .li-head{display:flex;gap:10px;font-size:10px;text-transform:uppercase;letter-spacing:.4px;color:var(--muted);font-weight:700;margin-bottom:6px;padding-right:48px;}
  .li-head span:first-child{flex:1;} .li-head span:last-child{width:170px;}
  .li-row{display:flex;gap:10px;align-items:center;margin-bottom:8px;}
  .li-row .li-name{flex:1;min-width:0;} .li-row .li-val{width:150px;flex-shrink:0;}
  .cgt-chk{display:flex;align-items:center;gap:5px;font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.3px;font-weight:700;flex-shrink:0;cursor:pointer;white-space:nowrap;}
  .cgt-chk input{width:auto;margin:0;}
  .li-row .li-base{width:150px;flex-shrink:0;}
  .li-del{width:38px;height:40px;border:1.5px solid var(--line);background:#fff;color:var(--bad);border-radius:8px;cursor:pointer;font-size:13px;flex-shrink:0;}
  .li-del:hover{border-color:var(--bad);background:#fbe7e6;}
  .addline{margin-top:2px;background:transparent;border:1.5px dashed var(--gold);color:var(--navy);border-radius:8px;padding:9px 15px;font-weight:700;cursor:pointer;font-size:13px;}
  .addline:hover{background:#faf6ea;}
  @media(max-width:760px){ .li-row .li-val,.li-head span:last-child{width:110px;} }
  /* Retirement funding rows + projection */
  .ret-item{border:1px solid var(--line);border-radius:8px;padding:12px;margin-bottom:8px;background:#fff;}
  .ret-row2{display:flex;gap:12px;align-items:flex-start;}
  .ret-fields{flex:1;display:flex;gap:12px;flex-wrap:wrap;align-items:flex-end;}
  .ret-fields label{margin:0 0 4px;}
  .ret-fields .rg-name{flex:1;min-width:150px;}
  .ret-fields .rg-num{width:130px;}
  .ret-fields .rg-sm{width:120px;}
  .ret-row2 .li-del{margin-top:22px;flex-shrink:0;}
  .retbox{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px;}
  .retcard{border-radius:12px;padding:18px 20px;}
  .retcard.dark{background:var(--navy);color:#fff;}
  .retcard.light{background:#f6f7f5;border:1px solid var(--line);}
  .retcard h4{margin:0 0 12px;font-size:11px;letter-spacing:.5px;text-transform:uppercase;color:var(--gold);}
  .retcard .split{display:flex;gap:26px;flex-wrap:wrap;}
  .retcard .big{font-family:Georgia,serif;font-size:25px;font-weight:700;}
  .retcard.dark .big{color:#fff;} .retcard.light .big{color:var(--navy);}
  .retcard .sub{font-size:11.5px;opacity:.85;margin-top:3px;}
  .retnote{font-size:11px;color:var(--muted);margin-top:12px;font-style:italic;}
  @media(max-width:760px){ .retbox{grid-template-columns:1fr;} .ret-grid .rg-num,.ret-grid .rg-tog{width:47%;} }
  /* Estate planning */
  .checklist{display:flex;flex-direction:column;gap:6px;}
  .chk{display:flex;gap:12px;align-items:flex-start;padding:11px 12px;border:1px solid var(--line);border-radius:8px;cursor:pointer;}
  .chk:hover{border-color:var(--gold);}
  .chk input{display:none;}
  .chk-box{width:20px;height:20px;border:2px solid #cfcfca;border-radius:5px;flex-shrink:0;margin-top:1px;position:relative;transition:.15s;}
  .chk input:checked+.chk-box{background:var(--gold);border-color:var(--gold);}
  .chk input:checked+.chk-box:after{content:'✓';position:absolute;inset:0;color:var(--navy);font-size:14px;font-weight:700;display:flex;align-items:center;justify-content:center;}
  .chk-txt b{color:var(--navy);font-size:14px;}
  .chk-hint{display:block;font-size:12px;color:var(--muted);margin-top:2px;}
  .est-calc{border:1px solid var(--line);border-radius:8px;overflow:hidden;}
  .est-line{display:flex;justify-content:space-between;gap:12px;padding:9px 14px;font-size:13.5px;border-bottom:1px solid #eee;}
  .est-line:last-child{border-bottom:none;}
  .est-line.strong{font-weight:700;background:#f6f7f5;color:var(--navy);}
  .est-line.duty{background:var(--navy);color:#fff;font-weight:700;font-size:15px;}
  .est-line.ok-line{background:#e9f4ee;color:var(--ok);font-weight:700;}
  .est-line.bad-line{background:#fbe7e6;color:var(--bad);font-weight:700;}
  .off-tbl select{max-width:200px;padding:6px 8px;}
  .mini-chk{display:flex;align-items:center;gap:7px;margin:8px 0 0;font-size:12px;color:var(--navy);text-transform:none;letter-spacing:0;font-weight:600;cursor:pointer;}
  .mini-chk input{width:auto;margin:0;}
  .chk-inline{display:flex;align-items:center;gap:6px;font-size:12.5px;color:var(--navy);text-transform:none;letter-spacing:0;font-weight:600;margin:22px 0 0;cursor:pointer;}
  .chk-inline input{width:auto;margin:0;}
  /* FICA prominent-person questions */
  .fica-pep{margin-top:12px;}
  .fica-pep-h{font-size:11px;text-transform:uppercase;letter-spacing:.3px;color:var(--muted);font-weight:700;margin-bottom:6px;}
  .fica-q{display:flex;align-items:center;justify-content:space-between;gap:12px;margin:6px 0;font-size:13px;}
  .fica-q .q{color:#333;}
  .yn{display:flex;border:1px solid var(--line);border-radius:8px;overflow:hidden;flex-shrink:0;}
  .yn button{border:none;background:#fff;padding:7px 18px;font-size:13px;cursor:pointer;color:var(--muted);font-weight:700;}
  .yn button+button{border-left:1px solid var(--line);}
  .yn button.active{background:var(--navy);color:#fff;}
  .yn button.active.yn-flag{background:var(--gold);color:var(--navy);}
  /* Risk matrix */
  .rm-band{display:flex;justify-content:space-between;align-items:center;gap:16px;background:var(--navy);color:#fff;border-radius:10px;padding:16px 20px;}
  .rm-eyebrow{color:var(--gold);font-size:10.5px;letter-spacing:1.5px;text-transform:uppercase;font-weight:700;}
  .rm-title{font-family:Georgia,serif;font-size:22px;font-weight:700;margin-top:3px;}
  .rm-badge{flex-shrink:0;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;padding:8px 14px;border-radius:8px;}
  .rm-badge.std{background:#e3f2ea;color:var(--ok);}
  .rm-badge.med{background:#f0eddf;color:#8a7320;}
  .rm-badge.high{background:var(--gold);color:var(--navy);}
  .rq-wrap{border:1px solid var(--line);border-radius:10px;overflow:hidden;}
  .rq-row{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:10px 14px;border-bottom:1px solid #eee;}
  .rq-row:last-child{border-bottom:none;}
  .rq-q{font-size:13.5px;color:#333;flex:1;}
  .rq-sel{max-width:340px;flex-shrink:0;}
  @media(max-width:760px){ .rq-row{flex-direction:column;align-items:stretch;gap:6px;} .rq-sel{max-width:none;} }
  /* Cover your assets */
  .dep-row{display:flex;gap:10px;margin-bottom:8px;align-items:stretch;}
  .dep-row input:first-child{flex:1;}
  .dep-row .dep-age{flex:0 0 90px;width:90px;}
  .dep-row input:disabled{background:#f1f1ee;color:#555;}
  .dep-tag{background:var(--navy);color:#fff;font-size:10px;text-transform:uppercase;letter-spacing:.4px;font-weight:700;padding:0 12px;border-radius:6px;display:flex;align-items:center;flex-shrink:0;}
  .src{font-weight:400;font-size:11px;color:var(--muted);text-transform:none;letter-spacing:0;}
  .off-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;}
  .off-row{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:8px 10px;border-bottom:1px solid #eee;font-size:13.5px;text-transform:none;letter-spacing:0;font-weight:400;margin:0;}
  label.off-row{cursor:pointer;}
  .off-row .off-nm{flex:1;color:#333;}
  .off-row .off-val{font-weight:600;color:var(--navy);}
  .off-row .off-tick{width:90px;text-align:right;font-size:12px;color:var(--muted);display:flex;gap:5px;align-items:center;justify-content:flex-end;}
  .off-row .off-tick input{width:auto;margin:0;}
  .off-row.total{border-top:2px solid var(--navy);border-bottom:none;font-weight:700;margin-top:4px;}
  .off-tbl{width:100%;border-collapse:collapse;margin-top:6px;}
  .off-tbl th{font-size:11px;text-transform:uppercase;letter-spacing:.3px;color:var(--muted);padding:6px 8px;border-bottom:1px solid var(--line);text-align:left;font-weight:700;}
  .off-tbl th.c,.off-tbl td.c{text-align:center;width:46px;}
  .off-tbl th.num,.off-tbl td.num{text-align:right;}
  .off-tbl td{padding:9px 8px;border-bottom:1px dotted #ddd;font-size:13.5px;}
  .off-tbl td.nm{color:var(--navy);font-weight:600;}
  .off-tbl td.num{font-weight:600;color:var(--navy);}
  .off-tbl input[type=checkbox]{width:auto;margin:0;cursor:pointer;}
  .off-tbl tfoot td{border-top:2px solid var(--navy);border-bottom:none;font-weight:700;color:var(--navy);padding-top:9px;}
  .risk-build{display:grid;grid-template-columns:1fr 200px;gap:6px 14px;align-items:center;margin-bottom:6px;}
  .risk-build .rb-l{font-size:13.5px;color:#333;}
  .risk-build .rb-l.strong{font-weight:700;color:var(--navy);}
  .risk-build .rb-v{text-align:right;font-weight:600;color:var(--navy);}
  .risk-build .rb-v.strong{font-size:15px;}
  .risk-build .rb-i input{text-align:right;}
  .risk-build .bad{color:var(--bad);} .risk-build .ok{color:var(--ok);}
  .risk-tbl{width:100%;border-collapse:collapse;margin-top:6px;}
  .risk-tbl th{text-align:left;font-size:11px;text-transform:uppercase;letter-spacing:.3px;color:var(--muted);padding:6px 8px;border-bottom:1px solid var(--line);}
  .risk-tbl td{padding:6px 8px;border-bottom:1px solid #eee;font-size:13.5px;vertical-align:middle;}
  .risk-tbl td input{max-width:150px;}
  .risk-tbl .bad{color:var(--bad);font-weight:700;} .risk-tbl .ok{color:var(--ok);font-weight:700;}
  @media(max-width:760px){ .off-grid{grid-template-columns:1fr;} .risk-build{grid-template-columns:1fr 130px;} }
  /* Benefit cards */
  .cov-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start;}
  .cov-card{background:#f8f9f7;border:1px solid var(--line);border-radius:12px;padding:18px;}
  .cov-head{display:flex;align-items:center;gap:8px;font-size:13px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;margin-bottom:12px;}
  .cov-dot{width:12px;height:12px;border-radius:50%;display:inline-block;flex-shrink:0;}
  .cov-top{display:flex;justify-content:space-between;align-items:flex-start;border-bottom:1px solid var(--line);padding-bottom:12px;margin-bottom:12px;}
  .cov-top .ar{text-align:right;}
  .cov-lab{font-size:10px;text-transform:uppercase;letter-spacing:.4px;color:var(--muted);font-weight:700;margin-bottom:3px;}
  .cov-req{font-family:Georgia,serif;font-size:22px;font-weight:700;color:var(--navy);line-height:1;}
  .cov-short{font-family:Georgia,serif;font-size:22px;font-weight:700;line-height:1;}
  .cov-short.bad{color:var(--bad);} .cov-short.ok{color:var(--ok);}
  .cov-factors{margin-bottom:4px;}
  .cov-frow{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:6px;font-size:12.5px;color:#333;}
  .cov-frow .fv{font-weight:700;color:var(--navy);white-space:nowrap;}
  .cov-frow input{width:120px;text-align:right;padding:7px 9px;flex-shrink:0;}
  .cov-frow .src{font-weight:400;}
  .cov-in{margin-top:10px;}
  .cov-in label{font-size:10px;text-transform:uppercase;letter-spacing:.3px;color:var(--muted);font-weight:700;display:block;margin-bottom:4px;}
  .cov-in input{width:100%;}
  .cov-note{font-size:11.5px;color:var(--muted);margin-top:12px;line-height:1.5;border-top:1px dotted var(--line);padding-top:10px;}
  .ip-sub{border-top:1px solid var(--line);margin-top:12px;padding-top:10px;}
  .ip-sub-h{font-size:12px;font-weight:700;color:var(--navy);text-transform:uppercase;letter-spacing:.3px;margin-bottom:8px;display:flex;align-items:center;gap:8px;}
  .ip-short{margin-left:auto;font-family:Georgia,serif;font-size:14px;}
  .ip-short.bad{color:var(--bad);} .ip-short.ok{color:var(--ok);}
  @media(max-width:760px){ .cov-grid{grid-template-columns:1fr;} }
  /* Retirement prep */
  .rp-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0 18px;}
  .rp-grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:0 18px;}
  .tick-choice{display:flex;gap:12px;margin:14px 0 4px;flex-wrap:wrap;}
  .tick-choice label{display:flex;align-items:center;gap:9px;margin:0;padding:12px 16px;border:1.5px solid var(--line);border-radius:10px;cursor:pointer;font-size:13px;text-transform:none;letter-spacing:0;color:var(--navy);font-weight:600;flex:1;min-width:220px;}
  .tick-choice label.on{border-color:var(--gold);background:#faf6ea;}
  .tick-choice input{width:auto;accent-color:var(--gold);transform:scale(1.25);}
  .tick-choice .tc-sub{display:block;font-weight:400;font-size:11.5px;color:var(--muted);margin-top:2px;}
  .rp-reveal{border:1px dashed var(--gold);border-radius:10px;padding:4px 16px 16px;margin-top:12px;background:#fffdf6;}
  /* accumulation income widget + accumulation↔post link */
  .inc-card{grid-column:1/-1;background:var(--navy);border-radius:12px;padding:18px 20px;color:#fff;display:grid;grid-template-columns:230px 1fr;gap:24px;align-items:start;}
  .inc-card h4{margin:0 0 12px;font-size:11px;letter-spacing:.5px;text-transform:uppercase;color:var(--gold);}
  .inc-ctrl .ddval{font-family:Georgia,serif;font-size:34px;font-weight:700;color:var(--gold-soft);line-height:1;}
  .inc-ctrl .ddval small{font-size:15px;color:#b9c4d1;font-weight:400;}
  .inc-ctrl input[type=range]{width:100%;margin:14px 0 4px;accent-color:var(--gold);background:transparent;border:none;padding:0;}
  .inc-ctrl .sliderl{display:flex;justify-content:space-between;font-size:10.5px;color:#8fa0b3;}
  .inc-flag{margin-top:10px;font-size:11.5px;border-radius:8px;padding:7px 10px;line-height:1.45;}
  .inc-flag.ok{background:rgba(31,122,77,.22);border:1px solid rgba(31,122,77,.55);color:#bfe3cf;}
  .inc-flag.warn{background:rgba(179,38,30,.18);border:1px solid rgba(179,38,30,.5);color:#f2c4c1;}
  .inc-out .split{display:flex;gap:26px;flex-wrap:wrap;}
  .inc-out .big{font-family:Georgia,serif;font-size:30px;font-weight:700;color:var(--gold-soft);}
  .inc-out .sub{font-size:11.5px;opacity:.85;margin-top:3px;}
  .inc-note{font-size:11px;color:#b9c4d1;margin-top:12px;font-style:italic;line-height:1.5;}
  .inc-carry{margin-top:12px;font-size:11.5px;background:rgba(200,161,60,.14);border:1px solid rgba(200,161,60,.45);border-radius:9px;padding:8px 12px;color:#f0e6cf;}
  .link-strip{display:flex;align-items:center;gap:14px;background:#fff;border:1.5px solid var(--gold);border-radius:12px;padding:12px 18px;margin-bottom:16px;box-shadow:var(--shadow);cursor:pointer;user-select:none;}
  .link-strip.off{border-color:var(--line);}
  .lk-switch{position:relative;width:46px;height:26px;border-radius:26px;background:var(--gold);flex-shrink:0;}
  .lk-switch::after{content:'';position:absolute;top:3px;right:3px;width:20px;height:20px;border-radius:50%;background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.3);}
  .lk-switch.off{background:#c9cdc6;}
  .lk-switch.off::after{right:auto;left:3px;}
  .lk-txt b{display:block;font-size:13.5px;color:var(--navy);}
  .lk-txt span{font-size:11.5px;color:var(--muted);}
  .lkd input[readonly]{border-color:var(--gold);background:#fffcf3;color:var(--navy);font-weight:700;}
  .pv-box{margin-top:6px;background:#fdfaf3;border:1.5px solid var(--gold);border-radius:8px;padding:7px 12px;display:flex;align-items:baseline;justify-content:space-between;gap:8px;flex-wrap:wrap;}
  .pv-box span{font-size:9.5px;text-transform:uppercase;letter-spacing:.4px;color:#8a6d1f;font-weight:700;}
  .pv-box b{font-family:Georgia,serif;font-size:15px;color:var(--navy);}
  .ddp .asr .pvv{display:block;font-style:normal;font-family:Georgia,serif;font-weight:700;font-size:11.5px;color:#8a6d1f;margin-top:2px;text-transform:none;letter-spacing:0;}
  .lk-chip{display:inline-block;font-size:9px;font-weight:700;letter-spacing:.4px;background:var(--gold);color:var(--navy);border-radius:8px;padding:1px 7px;margin-left:6px;vertical-align:1px;text-transform:uppercase;}
  @media(max-width:760px){ .inc-card{grid-template-columns:1fr;} }
  .svgwrap{margin-top:16px;background:#f6f7f5;border:1px solid var(--line);border-radius:12px;padding:14px;}
  .svgwrap svg{width:100%;height:auto;display:block;}
  .chart-legend{display:flex;gap:20px;font-size:11.5px;color:var(--muted);margin-top:8px;flex-wrap:wrap;}
  .chart-legend .sw{display:inline-block;width:18px;height:4px;border-radius:2px;margin-right:6px;vertical-align:middle;}
  .ta-goal{min-height:110px;}
  .tri-row{display:flex;justify-content:space-between;align-items:center;gap:14px;padding:8px 12px;border:1px solid var(--line);border-radius:9px;margin-top:8px;background:#fff;flex-wrap:wrap;}
  .tri-txt{font-size:13.5px;color:var(--navy);flex:1;min-width:200px;}
  .tri-btns{display:flex;gap:5px;align-items:center;flex-wrap:wrap;}
  .tri-b{border:1.5px solid var(--line);background:#fff;color:var(--navy);border-radius:14px;padding:4px 11px;font-size:11.5px;font-weight:700;cursor:pointer;}
  .tri-b:hover{border-color:var(--gold);}
  .tri-b.hint-b{background:var(--gold);border-color:var(--gold);color:var(--navy);}
  .tri-sep{width:1px;height:18px;background:var(--line);margin:0 3px;}
  .tri-b.tri-x{border-color:transparent;color:var(--muted);padding:4px 7px;}
  .lp-row{display:flex;gap:6px;margin-top:6px;align-items:center;}
  .lp-row input,.lp-row select{padding:8px 9px;font-size:13px;}
  .lp-row .lp-name{flex:2;min-width:0;}
  .lp-row .lp-val{flex:1.2;min-width:0;}
  .lp-row .lp-ben{flex:1.4;min-width:0;width:auto;}
  .sn-cats{display:grid;grid-template-columns:1fr 1fr;gap:14px;}
  .sn-benefit{border:1.5px solid var(--line);border-radius:12px;padding:4px 16px 16px;margin-top:14px;background:#fbfbfa;}
  .sn-cat{border:2px solid var(--line);border-radius:14px;padding:22px 20px;text-align:center;cursor:pointer;background:#fff;transition:border-color .12s;}
  .sn-cat:hover,.sn-cat.on{border-color:var(--gold);background:#fffdf6;}
  .sn-cat-ic{font-size:26px;color:var(--gold);margin-bottom:6px;}
  .sn-cat-t{font-family:Georgia,serif;font-weight:700;font-size:18px;color:var(--navy);}
  .sn-cat-s{font-size:12px;color:var(--muted);margin-top:5px;}
  @media(max-width:700px){ .sn-cats{grid-template-columns:1fr;} }
  .dash-grid{display:grid;grid-template-columns:3fr 2fr;gap:20px;align-items:start;}
  .dash-row{display:flex;align-items:center;gap:12px;padding:10px 13px;border:1px solid var(--line);border-radius:10px;margin-top:8px;background:#fff;cursor:pointer;}
  .dash-row:hover{border-color:var(--gold);}
  .dash-dot{width:9px;height:9px;border-radius:50%;flex-shrink:0;}
  .dash-dot.red{background:var(--bad);} .dash-dot.amber{background:var(--gold);}
  .dash-nm{font-weight:700;color:var(--navy);font-size:13.5px;}
  .dash-tx{font-size:12.5px;color:var(--muted);margin-top:1px;}
  .dash-chip{margin-left:auto;font-size:10.5px;font-weight:700;letter-spacing:.4px;text-transform:uppercase;color:var(--navy);border:1px solid var(--line);border-radius:12px;padding:3px 9px;white-space:nowrap;flex-shrink:0;}
  .bday-row{display:flex;justify-content:space-between;gap:12px;padding:9px 2px;border-bottom:1px dotted var(--line);font-size:13px;flex-wrap:wrap;}
  .bday-row:last-child{border-bottom:none;}
  @media(max-width:900px){ .dash-grid{grid-template-columns:1fr;} }
  .cal-head{display:grid;grid-template-columns:repeat(7,1fr);gap:5px;font-size:10.5px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;color:var(--muted);margin-bottom:5px;text-align:center;}
  .cal-grid{display:grid;grid-template-columns:repeat(7,1fr);gap:5px;}
  .cal-day{border:1px solid var(--line);border-radius:8px;min-height:74px;padding:5px 6px;background:#fff;cursor:pointer;overflow:hidden;}
  .cal-day:hover{border-color:var(--gold);}
  .cal-day.empty{border:none;background:transparent;cursor:default;}
  .cal-day.today .cal-num{background:var(--navy);color:var(--gold);}
  .cal-day.sel{border-color:var(--gold);box-shadow:0 0 0 2px rgba(200,161,60,.35);}
  .cal-num{display:inline-flex;align-items:center;justify-content:center;width:20px;height:20px;border-radius:50%;font-size:11.5px;font-weight:700;color:var(--navy);}
  .cal-chip{font-size:10px;font-weight:700;border-radius:4px;padding:1px 5px;margin-top:3px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;}
  .cal-chip.meet{background:var(--navy);color:#fff;}
  .cal-chip.rev{background:var(--gold);color:var(--navy);}
  .cal-chip.bday{background:#eceded;color:#5c6670;}
  .cal-more{font-size:9.5px;color:var(--muted);margin-top:2px;}
  @media(max-width:760px){ .cal-day{min-height:52px;} .cal-chip{display:none;} .cal-more{display:none;} }
  .ta-lg{min-height:160px;}
  .goal-hz{font-weight:400;text-transform:none;letter-spacing:0;color:var(--gold);font-size:11px;margin-left:4px;}
  .rp-lines{margin-top:14px;border-top:1px solid var(--line);}
  .rp-line{display:flex;justify-content:space-between;gap:14px;padding:9px 2px;border-bottom:1px dotted var(--line);font-size:13.5px;}
  .rp-line .k{color:var(--muted);}
  .rp-line .v{font-weight:700;color:var(--navy);font-family:Georgia,serif;white-space:nowrap;}
  .rp-line.total{border-bottom:none;border-top:2px solid var(--navy);margin-top:-1px;}
  .rp-line .v.bad{color:var(--bad);} .rp-line .v.ok{color:var(--ok);} .rp-line .v.gold{color:var(--gold);}
  @media(max-width:860px){ .rp-grid{grid-template-columns:1fr 1fr;} .rp-grid3{grid-template-columns:1fr;} }
  /* --- Weekly Goals tracker --- */
  .wg-band{background:var(--navy);color:#fff;padding:18px 22px 16px;position:relative}
  .wg-band .cross{position:absolute;left:20px;top:12px;font-size:40px;color:var(--gold);font-family:Georgia,serif;transform:rotate(-6deg);opacity:.9}
  .wg-band h2{margin:0 0 1px 58px;font-family:Georgia,serif;font-weight:700;font-size:21px;letter-spacing:4px;color:#fff}
  .wg-band .script{margin-left:58px;font-family:"Brush Script MT","Segoe Script","Snell Roundhand",cursive;font-size:24px;color:var(--gold-soft);line-height:.9}
  .wg-nav{position:absolute;right:18px;top:16px;display:flex;align-items:center;gap:9px;font-size:13px}
  .wg-nav button{background:rgba(255,255,255,.14);border:none;color:#fff;border-radius:8px;padding:5px 11px;font-size:15px;cursor:pointer}
  .wg-nav button:disabled{opacity:.3;cursor:default}
  .wg-score{display:flex;gap:18px;align-items:center;padding:16px 22px;border-bottom:1px solid var(--line);flex-wrap:wrap}
  .wg-ring{position:relative;width:104px;height:104px;flex-shrink:0}
  .wg-ring svg{transform:rotate(-90deg)}
  .wg-ring .pct{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center}
  .wg-ring .pct b{font-family:Georgia,serif;font-size:23px;color:var(--navy)}
  .wg-ring .pct span{font-size:10px;color:var(--muted);text-transform:uppercase;letter-spacing:.5px}
  .wg-stat{min-width:140px}
  .wg-stat label{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.6px;color:var(--muted);font-weight:700;margin-bottom:3px}
  .wg-stat .big{font-family:Georgia,serif;font-size:21px;font-weight:700;color:var(--navy)}
  .wg-stat .big.gold{color:var(--gold)}
  .wg-stat input{font-family:Georgia,serif;font-size:19px;font-weight:700;color:var(--navy);border:none;border-bottom:2px dashed var(--gold-soft);width:120px;background:transparent;padding:2px 0}
  .wg-stat input:focus{outline:none;border-bottom-color:var(--gold)}
  .wg-streak{margin-left:auto;text-align:center}
  .wg-streak .flames{font-size:21px;letter-spacing:2px}
  .wg-streak .lbl{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;font-weight:700}
  .wg-badges{display:flex;gap:8px;padding:12px 22px 0;flex-wrap:wrap}
  .wg-badge{font-size:12px;border-radius:20px;padding:5px 12px;border:1.5px solid var(--line);color:#b6b6b2;background:#fafaf8}
  .wg-badge.won{border-color:var(--gold);color:#7a5f17;background:#fdf6e3;box-shadow:0 1px 4px rgba(200,161,60,.35)}
  .wg-barwrap{padding:12px 22px 16px}
  .wg-barlabels{display:flex;justify-content:space-between;font-size:12px;color:var(--muted);margin-bottom:5px}
  .wg-bar{height:15px;border-radius:9px;background:#eee9dc;overflow:hidden;position:relative}
  .wg-bar .fill{height:100%;background:linear-gradient(90deg,var(--gold),#e0b954);border-radius:9px;transition:width .6s cubic-bezier(.2,.8,.3,1)}
  .wg-bar .pipe{position:absolute;top:0;height:100%;background:repeating-linear-gradient(45deg,#c9d4dd 0 6px,#dbe3ea 6px 12px);opacity:.75;transition:all .6s}
  .wg-grid{display:grid;grid-template-columns:1fr 1fr;gap:13px;padding:16px}
  @media(max-width:760px){.wg-grid{grid-template-columns:1fr}}
  .wg-sec{border:1px solid var(--line);border-radius:12px;padding:13px 13px 10px;background:#fff}
  .wg-sec.wide{grid-column:1/-1}
  .wg-sec h3{margin:0 0 2px;font-family:Georgia,serif;color:var(--navy);font-size:16px;display:flex;align-items:center;gap:8px}
  .wg-sub{font-size:12px;color:var(--muted);margin-bottom:8px}
  .wg-chip{margin-left:auto;font-size:11.5px;font-weight:700;border-radius:12px;padding:3px 9px;background:#eef2f5;color:var(--navy)}
  .wg-chip.done{background:#e3f1e9;color:var(--ok)}
  .wg-item{display:flex;align-items:center;gap:9px;padding:7px 4px;border-bottom:1px dashed #eceae4;font-size:14px}
  .wg-item:last-of-type{border-bottom:none}
  .wg-tick{width:23px;height:23px;border-radius:7px;border:2px solid #c8ccd0;background:#fff;cursor:pointer;flex-shrink:0;display:flex;align-items:center;justify-content:center;font-size:14px;color:#fff;transition:all .15s}
  .wg-tick.on{background:var(--ok);border-color:var(--ok);animation:wgpop .3s}
  @keyframes wgpop{40%{transform:scale(1.25)}}
  .wg-item .txt{flex:1;min-width:0}
  .wg-item.on .txt{color:#9aa0a5;text-decoration:line-through}
  .wg-item .val{font-weight:700;color:var(--navy);white-space:nowrap;font-size:13.5px}
  .wg-item.on .val{color:var(--ok)}
  .wg-del{border:none;background:none;color:#c9ccd0;font-size:16px;cursor:pointer;padding:0 2px}
  .wg-num{width:20px;text-align:right;color:var(--gold);font-family:Georgia,serif;font-weight:700;flex-shrink:0}
  .wg-adder{display:flex;gap:7px;margin-top:9px}
  .wg-adder input[type=text]{flex:1;border:1px solid var(--line);border-radius:8px;padding:7px 10px;font-size:13.5px;min-width:0}
  .wg-adder input.v{width:96px;flex:none}
  .wg-adder input:focus{outline:2px solid var(--gold-soft)}
  #wgConfetti{position:fixed;inset:0;pointer-events:none;z-index:400}
  /* --- Compliance email composer --- */
  #ceOverlay{position:fixed;inset:0;background:rgba(16,38,58,.55);z-index:600;display:flex;align-items:flex-start;justify-content:center;padding:26px 12px;overflow:auto}
  .ce-sheet{background:#fff;border-radius:14px;max-width:760px;width:100%;box-shadow:0 12px 50px rgba(0,0,0,.4);overflow:hidden}
  .ce-head{background:var(--navy);color:#fff;padding:14px 18px;display:flex;align-items:center;gap:10px;flex-wrap:wrap}
  .ce-head b{font-family:Georgia,serif;font-size:17px}
  .ce-pill{font-size:10.5px;background:rgba(200,161,60,.25);border:1px solid var(--gold);color:var(--gold-soft);border-radius:14px;padding:3px 10px;letter-spacing:.5px;text-transform:uppercase;font-weight:700}
  .ce-who{margin-left:auto;font-size:12.5px;color:#c8d2dc}
  .ce-x{background:rgba(255,255,255,.14);border:none;color:#fff;border-radius:8px;padding:4px 10px;font-size:14px;cursor:pointer}
  .ce-row{display:flex;align-items:center;gap:10px;padding:9px 18px;border-bottom:1px solid var(--line);font-size:14px}
  .ce-row label{width:58px;color:var(--muted);font-size:11px;text-transform:uppercase;letter-spacing:.5px;font-weight:700;flex-shrink:0}
  .ce-row input{flex:1;border:none;font-size:13.5px;padding:5px 2px;background:transparent}
  .ce-row input:focus{outline:none;background:#fbf8ef}
  .ce-att{padding:10px 18px;border-bottom:1px solid var(--line)}
  .ce-cap{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;font-weight:700;margin-bottom:7px}
  .ce-chips{display:flex;gap:8px;flex-wrap:wrap}
  .ce-chip{display:flex;align-items:flex-start;gap:7px;border:1.5px solid var(--line);border-radius:10px;padding:7px 11px;font-size:12.5px;cursor:pointer;background:#fafaf8;user-select:none;line-height:1.3}
  .ce-chip small{color:var(--muted);font-size:11px}
  .ce-chip.on{border-color:var(--ok);background:#f0f7f3}
  .ce-chip.on>span:first-child{color:var(--ok);font-weight:700}
  .ce-chip.off{opacity:.55}
  .ce-chip.na{opacity:.55;cursor:default}
  .ce-body{display:block;width:calc(100% - 36px);margin:12px 18px;border:1px solid var(--line);border-radius:10px;padding:16px 18px;font-size:13.5px;line-height:1.6;font-family:inherit;min-height:340px;background:#fffefb;resize:vertical}
  .ce-body:focus{outline:2px solid var(--gold-soft)}
  .ce-foot{display:flex;gap:10px;align-items:center;padding:12px 18px;background:#f7f7f4;border-top:1px solid var(--line);flex-wrap:wrap}
  .ce-drv{font-size:12.5px;color:var(--ink);display:flex;align-items:center;gap:7px}
  .ce-drv input{width:auto}
  /* --- RA tax boost (Retirement prep) --- */
  .ra-band{background:linear-gradient(120deg,var(--navy),#1d3f5e);color:#fff;padding:20px 24px}
  .ra-band h2{margin:0;font-family:Georgia,serif;font-size:21px;color:#fff}
  .ra-band .sub{font-size:13.5px;color:#c8d2dc;margin-top:5px;max-width:640px;line-height:1.5}
  .ra-band .sub b{color:var(--gold-soft)}
  .ra-grid{display:grid;grid-template-columns:330px 1fr;gap:0}
  @media(max-width:820px){.ra-grid{grid-template-columns:1fr}}
  .ra-inputs{padding:20px 22px;border-right:1px solid var(--line)}
  .ra-inputs input[type=range]{width:100%;margin:10px 0 2px;accent-color:var(--gold);height:34px}
  .ra-sliderl{display:flex;justify-content:space-between;font-size:11px;color:var(--muted)}
  .ra-room{margin-top:16px;font-size:12.5px;background:#f4f7f9;border-radius:10px;padding:10px 12px;line-height:1.55}
  .ra-room b{color:var(--navy)}
  .ra-roombar{height:8px;border-radius:5px;background:#dde4ea;overflow:hidden;margin-top:7px}
  .ra-roombar div{height:100%;background:var(--gold);border-radius:5px;transition:width .4s}
  .ra-out{padding:20px 24px;min-width:0}
  .ra-hero{background:linear-gradient(135deg,#fdf6e3,#fbf0d2);border:1.5px solid var(--gold-soft);border-radius:14px;padding:18px 20px;text-align:center}
  .ra-hero .lbl{font-size:12px;text-transform:uppercase;letter-spacing:1px;color:#8a6d1f;font-weight:700}
  .ra-hero .big{font-family:Georgia,serif;font-size:42px;font-weight:700;color:var(--navy);line-height:1.1;margin:4px 0 2px}
  .ra-hero .big small{font-size:17px;color:#8a6d1f}
  .ra-hero .per{font-size:13.5px;color:#6b5a23}
  .ra-cap{display:flex;justify-content:space-between;font-size:12.5px;color:var(--muted);margin-bottom:6px;flex-wrap:wrap;gap:6px}
  .ra-bar{height:34px;border-radius:10px;overflow:hidden;display:flex;box-shadow:inset 0 0 0 1px var(--line)}
  .ra-bar .you{background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:12.5px;font-weight:700;transition:width .5s;white-space:nowrap;overflow:hidden}
  .ra-bar .sars{background:linear-gradient(90deg,var(--gold),#e0b954);color:#fff;display:flex;align-items:center;justify-content:center;font-size:12.5px;font-weight:700;transition:width .5s;white-space:nowrap;overflow:hidden}
  .ra-legend{display:flex;gap:18px;font-size:12.5px;margin-top:8px;color:var(--muted);flex-wrap:wrap}
  .ra-legend i{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:5px;vertical-align:-1px}
  .ra-stats{display:flex;gap:14px;flex-wrap:wrap;margin-top:18px}
  .ra-stats .st{flex:1;min-width:150px;border:1px solid var(--line);border-radius:12px;padding:12px 14px}
  .ra-stats .v{font-family:Georgia,serif;font-size:21px;font-weight:700;color:var(--navy)}
  .ra-stats .v.gold{color:var(--gold)}
  .ra-stats .k{font-size:11.5px;color:var(--muted);margin-top:2px;line-height:1.4}
  .ra-nudge{margin-top:18px;border-top:1px dashed var(--line);padding-top:14px}
  .ra-nudge .t{font-size:12.5px;font-weight:700;color:var(--navy);margin-bottom:8px}
  .ra-nrow{display:flex;gap:8px;flex-wrap:wrap}
  .ra-nrow .nbtn{flex:1;min-width:120px;border:1.5px solid var(--line);border-radius:10px;padding:9px 10px;font-size:12.5px;text-align:center;cursor:pointer;background:#fafaf8;transition:all .15s;line-height:1.5}
  .ra-nrow .nbtn:hover{border-color:var(--gold)}
  .ra-nrow .nbtn b{display:block;font-family:Georgia,serif;font-size:15px;color:var(--navy)}
  .ra-nrow .nbtn small{color:var(--ok);font-weight:700}
  .ra-warn{margin-top:14px;font-size:12.5px;background:#fbf3f2;border-left:3px solid var(--bad);border-radius:0 8px 8px 0;padding:9px 12px;display:none}
  .ra-how{border-top:1px solid var(--line);padding:18px 24px 20px;background:#fbfaf7}
  .ra-how h3{margin:0 0 4px;font-family:Georgia,serif;color:var(--navy);font-size:17px}
  .ra-hsteps{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
  @media(max-width:820px){.ra-hsteps{grid-template-columns:1fr}}
  .ra-hsteps .hstep{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px;font-size:12.5px;line-height:1.55;color:#3a3f45}
  .ra-hsteps .hstep b{display:block;color:var(--navy);margin-bottom:5px;font-size:13px}
  .ra-hsteps .hico{font-size:22px;margin-bottom:6px}
  .ra-hnote{margin-top:12px;font-size:13px;background:#fdf6e3;border:1px solid var(--gold-soft);border-radius:10px;padding:10px 14px;color:#6b5a23}
  .ra-foot{padding:12px 24px;background:#f7f7f4;border-top:1px solid var(--line);font-size:11.5px;color:var(--muted);line-height:1.6}
  /* --- Goals & wins (bucket list + Wall of wins) --- */
  .gw-wall{background:linear-gradient(135deg,var(--navy) 0%,#1d3f5e 100%);padding:20px 22px 24px;position:relative;overflow:hidden}
  .gw-wall:before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 85% 15%,rgba(200,161,60,.18),transparent 55%)}
  .gw-wall-head{display:flex;align-items:baseline;gap:12px;flex-wrap:wrap;position:relative}
  .gw-wall-head h2{color:#fff;font-size:20px;margin:0;font-family:Georgia,serif}
  .gw-wall-head .count{font-size:13px;color:var(--gold-soft);font-weight:700}
  .gw-wall-head .print{margin-left:auto;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);color:#fff;border-radius:8px;padding:6px 12px;font-size:12.5px;cursor:pointer}
  .gw-wall-sub{font-size:12.5px;color:#9fb1c1;margin-top:2px;position:relative}
  .gw-wins{display:flex;gap:12px;flex-wrap:wrap;margin-top:16px;position:relative}
  .gw-win{background:#fffdf6;border-radius:10px;padding:12px 14px 10px;width:205px;box-shadow:0 4px 14px rgba(0,0,0,.3);position:relative;transform:rotate(-1.2deg);transition:transform .2s}
  .gw-win:nth-child(2n){transform:rotate(1.4deg)}
  .gw-win:nth-child(3n){transform:rotate(-0.6deg)}
  .gw-win:hover{transform:rotate(0) scale(1.04);z-index:2}
  .gw-win .star{position:absolute;top:-9px;left:14px;font-size:18px;filter:drop-shadow(0 2px 2px rgba(0,0,0,.3))}
  .gw-win .txt{font-family:Georgia,serif;font-size:13.5px;color:var(--navy);font-weight:700;line-height:1.35;margin-top:4px}
  .gw-win .meta{font-size:10.5px;color:#8a8477;margin-top:7px;border-top:1px dashed #e3ddcc;padding-top:6px;line-height:1.5}
  .gw-win .cat{display:inline-block;font-size:9.5px;font-weight:700;border-radius:8px;padding:1px 7px;text-transform:uppercase;letter-spacing:.4px;margin-bottom:4px}
  .gw-win .cat.fin{background:#eaf3ee;color:var(--ok)}
  .gw-win .cat.life{background:#fdf1d8;color:#8a6d1f}
  .gw-win .undo{position:absolute;top:6px;right:8px;border:none;background:none;color:#c9c2b0;font-size:12px;cursor:pointer}
  .gw-empty{color:#9fb1c1;font-size:13px;padding:14px 0 4px;position:relative;font-style:italic}
  .gw-scoopbar{margin-top:10px;background:#f4f7f9;border-left:3px solid var(--gold);border-radius:0 8px 8px 0;padding:9px 13px;font-size:12.5px;color:#3a3f45}
  .gw-cols{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:14px}
  @media(max-width:760px){.gw-cols{grid-template-columns:1fr}}
  .gw-col{border:1px solid var(--line);border-radius:12px;padding:14px 14px 10px}
  .gw-col h3{margin:0 0 2px;font-family:Georgia,serif;color:var(--navy);font-size:16px;display:flex;align-items:center;gap:8px}
  .gw-col .chip{margin-left:auto;font-size:11px;font-weight:700;border-radius:12px;padding:3px 9px;background:#eef2f5;color:var(--navy)}
  .gw-col .sub{font-size:12px;color:var(--muted);margin-bottom:8px}
  .gw-g{display:flex;align-items:flex-start;gap:10px;padding:8px 4px;border-bottom:1px dashed #eceae4}
  .gw-g:last-of-type{border-bottom:none}
  .gw-tick{width:24px;height:24px;border-radius:50%;border:2px solid #c8ccd0;background:#fff;cursor:pointer;flex-shrink:0;transition:all .15s;margin-top:1px}
  .gw-tick:hover{border-color:var(--gold);box-shadow:0 0 0 3px rgba(200,161,60,.15)}
  .gw-g .body{flex:1;min-width:0}
  .gw-g .t{font-size:14px;line-height:1.4}
  .gw-g .src{font-size:10.5px;color:var(--muted);margin-top:2px}
  .gw-g .src .scoop{color:var(--gold);font-weight:700}
  .gw-g .del{border:none;background:none;color:#c9ccd0;font-size:15px;cursor:pointer;padding:0 2px}
  .gw-adder{display:flex;gap:7px;margin-top:9px}
  .gw-adder input{flex:1;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font-size:13.5px;min-width:0}
  .gw-adder input:focus{outline:2px solid var(--gold-soft)}
  .gw-plan-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 14px;padding-top:6px}
  .gw-plan .gw-win{width:auto;transform:none;box-shadow:0 2px 8px rgba(16,38,58,.15)}
  .gw-plan .gw-win:hover{transform:none}
  /* --- Retirement prep: two buckets --- */
  .bk-buckets{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:14px}
  @media(max-width:820px){.bk-buckets{grid-template-columns:1fr}}
  .bk-bucket{border:1.5px solid var(--line);border-radius:12px;padding:14px}
  .bk-bucket.nd{border-color:#9db4c8;background:#f7fafc}
  .bk-bucket.d{border-color:var(--gold-soft);background:#fdfbf4}
  .bk-bucket h3{margin:0;font-family:Georgia,serif;font-size:15.5px;color:var(--navy);display:flex;gap:8px;align-items:center}
  .bk-bucket .tag{margin-left:auto;font-size:10px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;border-radius:10px;padding:3px 9px}
  .bk-bucket.nd .tag{background:#dce8f2;color:#2b5476}
  .bk-bucket.d .tag{background:#f4e8c8;color:#7a5f17}
  .bk-bucket .sub{font-size:11.5px;color:var(--muted);margin:3px 0 10px}
  .bk-arow{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:8px;margin-bottom:7px;align-items:center;font-size:13px}
  .bk-arow input{padding:7px 9px;font-size:13px}
  .bk-ahead{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:8px;font-size:10px;color:var(--muted);text-transform:uppercase;letter-spacing:.5px;font-weight:700;margin-bottom:4px}
  .bk-btotal{border-top:1.5px solid var(--line);margin-top:10px;padding-top:9px;font-size:12.5px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:6px}
  .bk-btotal b{font-family:Georgia,serif;color:var(--navy);font-size:15px}
  .bk-btotal .pv{color:var(--muted)}
  .bk-sliderbox{background:#f4f7f9;border-radius:10px;padding:10px 12px;margin-top:12px}
  .bk-sliderbox .cap{display:flex;justify-content:space-between;font-size:12px;font-weight:700;color:var(--navy)}
  .bk-sliderbox input[type=range]{width:100%;accent-color:var(--gold);height:30px;margin:6px 0 0}
  .bk-flow{margin-top:14px;display:grid;grid-template-columns:1fr auto 1fr;gap:12px;align-items:stretch}
  @media(max-width:820px){.bk-flow{grid-template-columns:1fr}}
  .bk-fbox{border:1.5px solid var(--line);border-radius:12px;padding:13px 14px;font-size:12.5px}
  .bk-fbox h4{margin:0 0 4px;font-family:Georgia,serif;color:var(--navy);font-size:14px}
  .bk-fbox .big{font-family:Georgia,serif;font-size:19px;font-weight:700;color:var(--navy)}
  .bk-fmid{display:flex;align-items:center;color:var(--gold);font-size:18px;font-weight:700}
  .bk-streams{width:100%;border-collapse:collapse;font-size:13px;margin-top:12px}
  .bk-streams th{text-align:left;font-size:10.5px;text-transform:uppercase;letter-spacing:.5px;color:var(--muted);padding:6px 8px;border-bottom:1.5px solid var(--line)}
  .bk-streams td{padding:8px;border-bottom:1px dashed #eceae4}
  .bk-streams td.num{text-align:right;font-weight:700;color:var(--navy);white-space:nowrap}
  .bk-streams .rate{font-size:11.5px;border-radius:9px;padding:2px 8px;font-weight:700;white-space:nowrap}
  .bk-streams .rate.hi{background:#f6e9e7;color:var(--bad)}
  .bk-streams .rate.mid{background:#fdf1d8;color:#8a6d1f}
  .bk-streams .rate.lo{background:#e3f1e9;color:var(--ok)}
  .bk-streams tfoot td{border-bottom:none;border-top:2px solid var(--navy);font-weight:700;padding-top:10px}
  .bk-hero{background:linear-gradient(135deg,var(--navy),#1d3f5e);border-radius:12px;color:#fff;padding:16px 20px;margin-top:14px;display:flex;gap:26px;flex-wrap:wrap;align-items:baseline}
  .bk-hero .b{font-family:Georgia,serif;font-size:32px;font-weight:700;color:var(--gold-soft)}
  .bk-hero .k{font-size:11.5px;color:#9fb1c1;max-width:150px;line-height:1.4}
  .bk-hero .g{font-family:Georgia,serif;font-size:20px;font-weight:700;color:#fff}
  .bk-hero .fv{margin-left:auto;font-size:11.5px;color:#9fb1c1;text-align:right;line-height:1.6}
  .bk-alpha{margin-top:10px;background:#eaf3ee;border-left:3px solid var(--ok);border-radius:0 8px 8px 0;padding:9px 13px;font-size:12.5px;color:#1d4d33}
  .bk-alpha:empty{display:none}
  /* --- One-page plan: full-A4 pages --- */
  .opp.a4p{aspect-ratio:210/297;display:flex;flex-direction:column;overflow:hidden}
  @media screen and (max-width:900px){ .opp.a4p{aspect-ratio:auto} }
  /* page 1: the gold band stops short of the right edge — the logo stands on white */
  .a4hw{display:flex;align-items:stretch;flex-shrink:0;background:#fff}
  .a4hw .opp-head{flex:1;border-radius:0 0 14px 0;position:relative;padding-bottom:40px}
  .a4brand{width:148px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:5px;background:#fff}
  .a4brand .wm{font-family:Georgia,serif;font-weight:700;font-size:23px;color:var(--navy);line-height:1}
  .a4brand .am{font-size:8px;letter-spacing:2.4px;text-transform:uppercase;color:var(--navy)}
  .a4p .opp-head{flex-shrink:0;position:relative}
  .a4p .cover-head .opp-logo.a4logo{font-size:26px;top:16px}
  /* page 1 print typography — larger throughout so the printed page reads well */
  .a4p .opp-head .nm{font-size:34px}
  .a4p .opp-head .vals{font-size:13px}
  .a4p .opp-sec-t{font-size:13.5px;margin:14px 0 8px}
  .a4cash div{font-size:12px}
  .a4cash b{font-size:18px}
  .a4p .actions{font-size:13px;line-height:1.65}
  .a4p .actions li{margin:2px 0}
  .a4p .alloc{gap:18px}
  .a4p .bars{height:130px}
  .a4p .bars .bar span{font-size:11px;top:-17px}
  .a4p .bars .bar em{font-size:10.5px;bottom:-17px}
  .a4p .heros .hero b{font-size:28px}
  .a4p .heros .hero small{font-size:10.5px}
  .a4date{font-size:10.5px}
  .a4date{position:absolute;bottom:12px;right:22px;font-size:10px;color:#6b5a23;font-weight:700;letter-spacing:.5px;text-transform:uppercase}
  .a4body{flex:1;display:flex;flex-direction:column;padding:18px 26px 12px;min-height:0}
  .a4grid{flex:1;display:grid;grid-template-columns:1fr 1fr;gap:0 26px;min-height:0}
  .a4col{display:flex;flex-direction:column;justify-content:space-between;gap:8px;min-height:0}
  .a4p .opp-sec-t{border-bottom:1.5px solid var(--gold);padding-bottom:3px}
  .a4cash{display:flex;gap:9px}
  .a4cash div{flex:1;background:#fff;border-radius:8px;padding:8px 10px;font-size:10.5px;color:var(--muted)}
  .a4cash b{display:block;font-family:Georgia,serif;font-size:15px;color:var(--navy);margin-top:1px}
  .a4p .heros{flex-shrink:0;border-radius:12px;overflow:hidden;margin-top:14px}
  /* page 1 — dashboard layout */
  .p1g{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;flex-shrink:0}
  .p1gc{border:1.5px solid var(--line,#d8d8d4);background:#fff;border-radius:12px;padding:8px 10px;display:flex;align-items:center;gap:9px}
  .p1gc .t{font-size:8.5px;font-weight:700;letter-spacing:.7px;text-transform:uppercase;color:var(--muted)}
  .p1gc .v{font-family:Georgia,serif;font-size:17px;font-weight:700;color:var(--navy);line-height:1.1;margin-top:1px}
  .p1gc .s{font-size:8.2px;color:var(--muted);margin-top:1px;line-height:1.35}
  .p1mid{flex:1;display:grid;grid-template-columns:1.06fr 1fr;gap:0 20px;min-height:0;margin-top:2px}
  .p1col{display:flex;flex-direction:column;justify-content:space-between;gap:8px;min-height:0}
  .p1don{display:flex;align-items:center;gap:12px}
  .p1leg{flex:1;font-size:10.5px;min-width:0}
  .p1leg .lr{display:flex;align-items:center;gap:6px;padding:3px 0;border-bottom:1px dashed #e3e1da}
  .p1leg .lr:last-child{border-bottom:0}
  .p1leg i{width:10px;height:10px;border-radius:3px;flex-shrink:0;display:inline-block}
  .p1leg .amt{margin-left:auto;font-weight:700;color:var(--navy);white-space:nowrap;padding-left:6px}
  .p1leg .pct{width:30px;text-align:right;color:var(--muted);font-size:9.5px;white-space:nowrap;flex-shrink:0}
  .p1chips{display:flex;flex-direction:column;gap:5px}
  .p1chip{display:flex;align-items:center;gap:7px;border:1.2px solid var(--line,#d8d8d4);background:#fff;border-radius:9px;padding:5px 9px;font-size:10.5px}
  .p1chip .gt{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .p1chip .ck{width:15px;height:15px;border-radius:50%;border:1.6px solid #c8ccd0;flex-shrink:0;display:flex;align-items:center;justify-content:center;color:#fff;font-size:9px}
  .p1chip.done{border-color:#bfe0cd;background:#f2f9f5}
  .p1chip.done .ck{background:var(--ok);border-color:var(--ok)}
  .p1chip .hzn{margin-left:auto;font-size:7.5px;font-weight:700;letter-spacing:.5px;color:var(--gold);text-transform:uppercase;white-space:nowrap;flex-shrink:0;padding-left:6px}
  .p1act{display:flex;gap:8px;align-items:flex-start;font-size:10.5px;padding:3.5px 0;line-height:1.4}
  .p1act .n{width:16px;height:16px;border-radius:50%;background:var(--gold);color:#fff;font-weight:700;font-size:9.5px;display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:1px}
  .p1nw{flex-shrink:0}
  .p1nw .bars{height:68px;margin:15px 4px 18px}
  .p1bot{flex-shrink:0;display:grid;grid-template-columns:1.06fr 1fr;gap:0 20px;margin-top:2px}
  .p1hyb{flex-shrink:0;display:flex;background:var(--navy);border-radius:12px;overflow:hidden;position:relative;margin-top:14px}
  .p1hyb:before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 10% 0%,rgba(200,161,60,.22),transparent 50%)}
  .p1hyb .half{flex:1;padding:10px 14px 12px;position:relative;min-width:0}
  .p1hyb .half+.half{border-left:1px solid rgba(255,255,255,.16)}
  .p1hyb .eyebrow{font-size:8px;letter-spacing:1.8px;text-transform:uppercase;color:var(--gold-soft);font-weight:700}
  .p1hyb .chips{display:flex;gap:6px;margin-top:7px;flex-wrap:wrap}
  .p1hyb .chip{display:flex;align-items:center;gap:5px;background:rgba(255,255,255,.08);border:1px solid rgba(220,192,126,.45);border-radius:18px;padding:3px 10px 3px 4px}
  .p1hyb .ic{width:20px;height:20px;border-radius:50%;background:var(--gold);display:flex;align-items:center;justify-content:center;font-size:10px;flex-shrink:0}
  .p1hyb .cl{font-family:Georgia,serif;font-size:10px;font-weight:700;color:#fff;white-space:nowrap}
  .p1hyb .q{font-family:Georgia,serif;font-style:italic;font-size:12px;color:#fff;margin-top:8px;line-height:1.45}
  .p1hyb .q b{color:var(--gold-soft);font-style:italic}
  .p1hyb .mrow{display:flex;gap:18px;margin-top:6px}
  .p1hyb .mi b{display:block;font-family:Georgia,serif;font-size:17px;color:var(--gold-soft)}
  .p1hyb .mi b .up{font-size:11px;color:#7fc79e;vertical-align:2px;margin-right:1px}
  .p1hyb .mi b .dn{font-size:11px;color:#e08a8a;vertical-align:2px;margin-right:1px}
  .p1hyb .mi small{font-size:7.5px;color:#9fb1c1;line-height:1.4;display:block;margin-top:1px}
  /* compaction notches — kick in automatically, one at a time, when the page overflows.
     --pslack is the measured leftover: it grows the gold header and the navy band so the
     spare space lives in the banners, not as a hole above Where the money sits. */
  .a4p.c1 .p1mid{flex:0 0 auto}
  .a4p.c1 .opp-head{padding-top:26px;padding-bottom:46px}
  .a4p.c1 .p1hyb{flex:1 0 auto;margin-top:10px}
  .a4p.c1 .p1hyb .half{display:flex;flex-direction:column;justify-content:center}
  .a4p.c1 .p1gc svg{width:56px;height:56px}
  .a4p.c1 .p1gc{padding:6px 9px;gap:8px}
  .a4p.c1 .p1gc .v{font-size:15px}
  .a4p.c1 .p1gc .s{font-size:7.8px}
  .a4p.c1 .opp-sec-t{font-size:12.5px;margin:10px 0 6px;padding-bottom:2px}
  .a4p.c1 .p1col{justify-content:flex-start;gap:12px}
  .a4p.c1 .p1chips{gap:4px}
  .a4p.c1 .p1chip{padding:3px 9px;font-size:10px;gap:6px;border-radius:8px}
  .a4p.c1 .p1chip .ck{width:14px;height:14px;font-size:8.5px;border-width:1.4px}
  .a4p.c1 .p1chip .hzn{font-size:7px}
  .a4p.c1 .p1don{gap:10px}
  .a4p.c1 .p1don svg{width:98px;height:98px}
  .a4p.c1 .p1leg{font-size:10px}
  .a4p.c1 .p1leg .lr{padding:2.5px 0}
  .a4p.c1 .p1leg .pct{font-size:9px;width:28px}
  .a4p.c1 .p1act{font-size:10px;padding:3px 0}
  .a4p.c1 .p1act .n{width:15px;height:15px;font-size:9px}
  .a4p.c1 .p1nw .bars{height:58px;margin:14px 4px 17px}
  .a4p.c1 .p1hyb{margin-top:10px}
  .a4p.c1 .p1hyb .half{padding:9px 13px 10px}
  .a4p.c1 .p1hyb .chips{gap:4px;margin-top:5px}
  .a4p.c1 .p1hyb .chip{padding:2px 9px 2px 3px}
  .a4p.c1 .p1hyb .ic{width:18px;height:18px;font-size:9.5px}
  .a4p.c1 .p1hyb .cl{font-size:9.5px}
  .a4p.c1 .p1hyb .mi b{font-size:15px}
  .a4p.c1 .p1hyb .mi small{font-size:7.2px}
  .a4p.c2 .p1gc svg{width:52px;height:52px}
  .a4p.c2 .p1gc{padding:6px 8px;gap:7px}
  .a4p.c2 .p1gc .v{font-size:14px}
  .a4p.c2 .opp-sec-t{font-size:12px;margin:9px 0 5px}
  .a4p.c2 .p1chip{padding:3px 8px;font-size:9.5px;gap:5px;border-radius:7px}
  .a4p.c2 .p1chip .ck{width:13px;height:13px;font-size:8px}
  .a4p.c2 .p1don svg{width:88px;height:88px}
  .a4p.c2 .p1leg{font-size:9.5px}
  .a4p.c2 .p1leg .lr{padding:2px 0}
  .a4p.c2 .p1act{font-size:9.5px;padding:2.5px 0}
  .a4p.c2 .p1act .n{width:14px;height:14px;font-size:8.5px}
  .a4p.c2 .p1nw .bars{height:50px;margin:13px 4px 16px}
  .a4p.c2 .p1hyb .cl{font-size:9px}
  .a4p.c2 .p1hyb .ic{width:17px;height:17px;font-size:9px}
  .a4p.c2 .p1hyb .mi b{font-size:14px}
  .a4p.c3 .p1gc svg{width:44px;height:44px}
  .a4p.c3 .p1chip{font-size:9px;padding:2.5px 7px}
  .a4p.c3 .p1don svg{width:78px;height:78px}
  .a4p.c3 .p1leg{font-size:9px}
  .a4p.c3 .p1act{font-size:9px}
  .a4p.c3 .p1nw .bars{height:42px}
  .a4p.c3 .p1hyb .cl{font-size:8.5px}
  .a4p.c3 .p1hyb .mi b{font-size:12.5px}
  .p1act .n.f{background:#fff;border:1.6px solid var(--gold);color:var(--gold)}
  .a4foot{flex-shrink:0;display:flex;align-items:center;gap:10px;padding:8px 24px;border-top:2px solid var(--gold);font-size:10px;color:#666;background:#fbfaf7}
  .a4foot .fsig{margin-left:auto;display:flex;align-items:center;gap:9px;text-align:right;color:#444}
  .a4foot .fsig img{height:26px}
  .a4foot .fsig b{color:var(--navy)}
  /* cover pages */
  .a4p .cover-head{flex-shrink:0}
  .a4p.cover{margin-top:22px}
  .protect{flex-shrink:0;background:linear-gradient(135deg,#fdf6e3,#fbf0d2);border-bottom:2px solid var(--gold);padding:12px 26px 14px}
  .protect .plab{font-size:10px;letter-spacing:2px;text-transform:uppercase;color:#8a6d1f;font-weight:700}
  .protect .people{display:flex;gap:12px;margin-top:8px;flex-wrap:wrap}
  .protect .person{display:flex;align-items:center;gap:8px;background:#fff;border:1.5px solid var(--gold-soft);border-radius:30px;padding:5px 15px 5px 6px;box-shadow:0 2px 6px rgba(200,161,60,.25)}
  .protect .av{width:32px;height:32px;border-radius:50%;background:var(--navy);color:var(--gold-soft);display:flex;align-items:center;justify-content:center;font-family:Georgia,serif;font-weight:700;font-size:14px;flex-shrink:0}
  .protect .pn{font-family:Georgia,serif;font-weight:700;color:var(--navy);font-size:14px;line-height:1.1}
  .protect .pr{font-size:9px;color:#8a6d1f;font-weight:700;text-transform:uppercase;letter-spacing:.5px}
  .protect .why{font-size:11px;color:#6b5a23;font-style:italic;margin-top:9px}
  .a4cb{flex:1;display:flex;flex-direction:column;min-height:0;padding:18px 26px}
  .a4tiles{flex:1;grid-template-rows:1fr 1fr;min-height:0}
  .a4tiles .ctile{display:flex;flex-direction:column;min-height:0}
  .a4tiles .gauge{margin:auto 0;padding:12px 0 4px}
  .a4tiles .gauge .cap{display:flex;justify-content:space-between;font-size:9px;letter-spacing:.6px;text-transform:uppercase;color:var(--muted);font-weight:700;margin-bottom:5px}
  .a4tiles .gbar{height:11px;border-radius:7px;background:#f2e9e7;overflow:hidden}
  .a4tiles .gbar div{height:100%;border-radius:7px;background:linear-gradient(90deg,var(--ok),#3f9c6c)}
  .a4strip{flex-shrink:0;background:#fff;border:1px solid var(--line);border-radius:12px;margin-top:14px;padding:11px 16px;display:flex;gap:26px;font-size:11.5px;align-items:flex-end}
  /* life cover: the need built up line by line */
  .needbk{border-top:1px dashed var(--line);margin-top:10px;padding-top:7px;font-size:10.5px;color:var(--muted)}
  .needbk .nrow{display:flex;align-items:baseline;gap:6px;padding:1.5px 0}
  .needbk .nrow .dots{flex:1;border-bottom:1px dotted #cfcac0;transform:translateY(-2px)}
  .needbk .nrow b{color:var(--navy);font-weight:700}
  .needbk .nrow.tot{border-top:1px solid var(--line);margin-top:3px;padding-top:4px;font-weight:700;color:var(--navy)}
  .needbk .cshort{color:var(--bad);font-weight:700}
  .needbk .cok{color:var(--ok);font-weight:700}
  .cs-lab2{font-size:8.5px;letter-spacing:.8px;text-transform:uppercase;color:var(--muted);font-weight:700;margin-bottom:2px}
  /* wall of wins page */
  .a4wb{flex:1;display:flex;flex-direction:column;min-height:0}
  .a4wins{flex:1;align-content:center;grid-auto-rows:minmax(110px,200px);min-height:0}
  .a4wins .gw-win{display:flex;flex-direction:column}
  .a4wins .gw-win .txt{margin:auto 0;font-size:15.5px}
  .a4close{flex-shrink:0;text-align:center;font-family:Georgia,serif;font-size:14.5px;color:var(--navy);margin-top:14px}
  .a4close b{color:var(--gold)}
  .dep-rel{width:160px;flex-shrink:0}
  /* survivor drawdown-rate control (life cover) */
  .ddctl{background:#fdf9ee;border:1.5px solid var(--gold-soft);border-radius:10px;padding:8px 11px;margin:6px 0 8px;display:flex;align-items:center;gap:8px;flex-wrap:wrap;font-size:12.5px}
  .ddctl .lbl{font-weight:700;color:var(--navy);font-size:12px}
  .ddctl .stepper{display:flex;align-items:center;border:1.5px solid var(--gold);border-radius:8px;overflow:hidden;background:#fff}
  .ddctl .stepper button{border:none;background:#fff;color:var(--navy);font-size:15px;font-weight:700;width:30px;height:30px;cursor:pointer;padding:0}
  .ddctl .stepper button:hover{background:#fdf6e3}
  .ddctl .stepper input{width:48px;border:none;text-align:center;font-family:Georgia,serif;font-size:15px;font-weight:700;color:var(--navy);border-left:1px solid var(--gold-soft);border-right:1px solid var(--gold-soft);height:30px;padding:0}
  .ddctl .stepper input:focus{outline:none;background:#fdf6e3}
  .ddauto{border:none;background:none;color:var(--gold);font-size:11.5px;font-weight:700;cursor:pointer;text-decoration:underline;padding:0}
  .ddcap{margin-left:auto;font-size:11.5px;color:var(--muted)}
  .ddcap b{color:var(--navy);font-family:Georgia,serif}
  .ddnote{flex-basis:100%;font-size:10.5px;color:#8a6d1f;line-height:1.45}
  /* floating recording pill — visible whenever the mic is live but the bar isn't on screen */
  #recPill{position:fixed;left:50%;bottom:16px;transform:translateX(-50%);z-index:800;background:#7a1f1f;color:#fff;border-radius:26px;padding:9px 14px;display:flex;align-items:center;gap:9px;font-size:13px;box-shadow:0 6px 24px rgba(0,0,0,.4);white-space:nowrap}
  #recPill .pdot{color:#ff6b5e;animation:recblink 1.2s infinite}
  @keyframes recblink{50%{opacity:.25}}
  #recPill button{border:1px solid rgba(255,255,255,.4);background:rgba(255,255,255,.12);color:#fff;border-radius:16px;padding:5px 12px;font-size:12.5px;cursor:pointer}
  #recPill button.stop{background:#fff;color:#7a1f1f;font-weight:700;border-color:#fff}
  .reclvl{display:inline-block;width:84px;height:10px;border-radius:6px;background:#e8e0d0;overflow:hidden;vertical-align:middle}
  .reclvl span{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--ok),#e0b954,#c22);border-radius:6px;transition:width .12s}
  /* post-retirement drawdown PDF (lives only in #printDoc) */
  .ddp{background:#fff}
  .ddp .hw{display:flex;flex-shrink:0}
  .ddp .ddph{flex:1;background:var(--gold);color:var(--navy);padding:24px 30px 34px;position:relative;border-radius:0 0 16px 0}
  .ddp .eyebrow{font-size:10.5px;letter-spacing:2.4px;text-transform:uppercase;color:#6b5a23;font-weight:700}
  .ddp .ttl{font-family:Georgia,serif;font-size:30px;font-weight:700;line-height:1.15;margin-top:6px}
  .ddp .who{font-size:13px;font-weight:700;margin-top:9px;color:#5c4a16;letter-spacing:.4px;text-transform:uppercase}
  .ddp .ddate{position:absolute;bottom:12px;right:26px;font-size:10.5px;color:#6b5a23;font-weight:700;letter-spacing:.5px}
  .ddp .brand{width:165px;background:#fff;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:5px}
  .ddp .brand .wm{font-family:Georgia,serif;font-weight:700;font-size:26px;color:var(--navy);line-height:1}
  .ddp .brand .am{font-size:8.5px;letter-spacing:2.6px;text-transform:uppercase;color:var(--navy)}
  .ddp .bd{flex:1;display:flex;flex-direction:column;padding:16px 30px 13px;min-height:0;gap:13px}
  .ddp .asr{display:flex;gap:9px;flex-shrink:0}
  .ddp .asr>div{flex:1;background:#f6f4ee;border:1.5px solid #d8d8d4;border-radius:12px;padding:9px 12px;font-size:9.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.6px;font-weight:700}
  .ddp .asr b{display:block;font-family:Georgia,serif;font-size:16px;color:var(--navy);letter-spacing:0;text-transform:none;margin-top:2px}
  .ddp .rcs{display:grid;grid-template-columns:1fr 1fr;gap:13px;flex-shrink:0}
  .ddp .rc{border-radius:16px;padding:15px 17px}
  .ddp .rc.dark{background:var(--navy);color:#fff}
  .ddp .rc.light{background:#f6f4ee;border:1.5px solid #d8d8d4}
  .ddp .rc h4{margin:0 0 9px;font-size:10.5px;letter-spacing:1.5px;text-transform:uppercase;font-weight:700}
  .ddp .rc.dark h4{color:var(--gold-soft)} .ddp .rc.light h4{color:var(--navy)}
  .ddp .rc .split{display:flex;gap:24px}
  .ddp .rc .big{font-family:Georgia,serif;font-size:29px;font-weight:700}
  .ddp .rc.dark .big{color:var(--gold-soft)} .ddp .rc.light .big{color:var(--navy)}
  .ddp .rc .sub{font-size:10px;margin-top:2px}
  .ddp .rc.dark .sub{color:#9fb1c1} .ddp .rc.light .sub{color:var(--muted)}
  .ddp .rc .nt{font-size:10px;margin-top:8px;line-height:1.5}
  .ddp .rc.dark .nt{color:#b9c4d1} .ddp .rc.light .nt{color:var(--muted)}
  .ddp .secT2{font-family:Georgia,serif;color:var(--navy);letter-spacing:1.3px;font-size:13.5px;text-transform:uppercase;font-weight:700;border-bottom:2px solid var(--gold);padding-bottom:4px;flex-shrink:0}
  .ddp .cwrap{flex:1;min-height:0;display:flex;flex-direction:column;gap:5px}
  .ddp .lg{font-size:10px;color:var(--muted);display:flex;gap:16px;flex-shrink:0;flex-wrap:wrap}
  .ddp .lg i{display:inline-block;width:10px;height:10px;border-radius:3px;vertical-align:-1px;margin-right:5px}
  .ddp .mile{display:flex;gap:9px;flex-shrink:0}
  .ddp .mile>div{flex:1;border:1.5px solid #d8d8d4;border-radius:12px;padding:7px 11px;text-align:center;font-size:9.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.6px;font-weight:700}
  .ddp .mile b{display:block;font-family:Georgia,serif;font-size:15px;color:var(--navy);text-transform:none;letter-spacing:0;margin-top:2px}
  .ddp .ddflag{flex-shrink:0;border-radius:12px;padding:9px 13px;font-size:11px;line-height:1.5}
  .ddp .ddflag.warn{background:#fdf3e0;border:1.5px solid #e8c87a;color:#7a5c14}
  .ddp .ddflag.ok{background:#eef7f1;border:1.5px solid #b9dcc6;color:#1f5c3d}
  /* guided journeys */
  .gj-head{display:flex;align-items:flex-start;gap:14px;flex-wrap:wrap;margin-bottom:10px}
  .gj-pills{margin-left:auto;display:flex;gap:6px;flex-wrap:wrap}
  .gj-pill{border:1.5px solid var(--line);background:#fff;border-radius:16px;padding:5px 13px;font-size:11.5px;cursor:pointer;color:var(--muted)}
  .gj-pill.active{border-color:var(--gold);background:#fdfaf3;color:#7a5c14;font-weight:700}
  .gj-steps{display:flex;gap:6px;margin:10px 0 14px;flex-wrap:wrap}
  .gj-stp{flex:1;min-width:118px;background:#fff;border:1.5px solid var(--line);border-radius:11px;padding:8px 11px;cursor:pointer}
  .gj-stp .n{font-size:9px;font-weight:700;letter-spacing:1px;color:var(--muted);text-transform:uppercase}
  .gj-stp .t{font-family:Georgia,serif;font-weight:700;color:var(--navy);font-size:13.5px}
  .gj-stp.active{border-color:var(--gold);background:#fdfaf3}
  .gj-stp.done .n:before{content:'✓ ';color:var(--ok)}
  .gj-nav{display:flex;justify-content:space-between;margin-top:16px}
  .gj-wins{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:8px}
  .gj-win{border:1.5px solid #bfe0cd;background:#f2f9f5;border-radius:11px;padding:9px 13px;font-size:13px}
  .gj-win small{color:var(--muted)}
  .gj-mom{display:flex;gap:9px;flex-wrap:wrap;margin-top:10px}
  .gj-mi{flex:1;min-width:130px;background:var(--navy);border-radius:11px;color:#fff;text-align:center;padding:10px}
  .gj-mi b{display:block;font-family:Georgia,serif;font-size:19px;color:var(--gold-soft)}
  .gj-mi small{font-size:10px;color:#9fb1c1}
  .gj-loves{display:flex;gap:8px;flex-wrap:wrap}
  .gj-lch{display:flex;align-items:center;gap:7px;background:#fff;border:1.5px solid var(--gold-soft);border-radius:20px;padding:3px 13px 3px 4px;font-family:Georgia,serif;font-weight:700;color:var(--navy);font-size:12.5px}
  .gj-lch i{width:22px;height:22px;border-radius:50%;background:var(--gold);display:flex;align-items:center;justify-content:center;font-style:normal;font-size:11px}
  .gj-pulse{display:grid;gap:12px}
  .gj-pl{display:grid;grid-template-columns:1fr 160px 70px;gap:12px;align-items:center;font-size:13px}
  .gj-pl input[type=range]{width:100%;accent-color:var(--gold)}
  .gj-pl b{font-family:Georgia,serif;color:var(--navy);font-size:15px}
  .gj-pl small{color:var(--muted);font-size:10px}
  .gj-people{display:flex;gap:9px;flex-wrap:wrap}
  .gj-person{display:flex;align-items:center;gap:8px;background:#fff;border:1.5px solid var(--gold-soft);border-radius:24px;padding:4px 14px 4px 5px}
  .gj-person .av{width:28px;height:28px;border-radius:50%;background:var(--navy);color:var(--gold-soft);display:flex;align-items:center;justify-content:center;font-family:Georgia,serif;font-weight:700}
  .gj-person b{font-family:Georgia,serif;color:var(--navy);font-size:12.5px}
  .gj-person small{display:block;font-size:8.5px;color:#8a6d1f;font-weight:700;text-transform:uppercase;letter-spacing:.5px;margin-top:2px}
  /* a question the adviser asks out loud, rather than a field label */
  .gj-ask{font-family:Georgia,serif;font-size:16.5px;font-style:italic;color:var(--navy);
    line-height:1.4;margin:2px 0 8px}
  .gj-ask.sep{margin-top:22px;padding-top:18px;border-top:1px solid var(--line)}
  .gj-line{width:100%;padding:10px 13px;border:1.5px solid var(--line);border-radius:9px;
    font:inherit;font-size:14px;background:#fdfdfc;color:var(--ink)}
  .gj-line:focus{border-color:var(--gold);background:#fff;outline:none}
  .gj-line::placeholder{color:#b3b6b9;font-style:italic}
  /* movement 4: the statement the whole meeting hangs on */
  .gj-creed{font-family:Georgia,serif;font-size:18px;color:var(--navy);background:#fffdf6;
    border:1.5px solid var(--gold-soft);border-left:4px solid var(--gold);border-radius:11px;
    padding:14px 18px;margin-bottom:18px;line-height:1.45}
  /* movement 4: the needs, and the arithmetic behind them */
  .gj-cl{display:grid;grid-template-columns:1fr;gap:14px;margin-top:4px}
  .gj-cl.two{grid-template-columns:1fr 1fr}
  .gj-clc{border:1.5px solid var(--line);border-radius:12px;padding:14px 16px 16px;background:#fff}
  .gj-clh{font-family:Georgia,serif;font-size:15px;font-weight:700;color:var(--navy);
    padding-bottom:9px;margin-bottom:10px;border-bottom:1px solid var(--line)}
  .gj-cln{margin-bottom:13px}
  .gj-cln:last-child{margin-bottom:0}
  .gj-clt{display:flex;justify-content:space-between;align-items:baseline;gap:10px;
    border-left:4px solid var(--navy);padding:2px 0 2px 10px;margin-bottom:5px}
  .gj-clt span{font-weight:700;font-size:13px;color:var(--navy)}
  .gj-clt em{font-style:normal;font-weight:400;font-size:10.5px;color:var(--muted);text-transform:uppercase;letter-spacing:.5px}
  .gj-clt b{font-family:Georgia,serif;font-size:17px;color:var(--navy);white-space:nowrap}
  .gj-clr{display:flex;justify-content:space-between;gap:10px;font-size:12.5px;
    padding:3px 0 3px 14px;color:var(--muted)}
  .gj-clr em{font-style:normal;font-size:10.5px;color:#a8935f;text-transform:uppercase;letter-spacing:.4px}
  .gj-clr b{color:var(--ink);font-weight:600;white-space:nowrap}
  .gj-dd{display:flex;align-items:center;gap:6px;flex-wrap:wrap;margin:7px 0 0 14px;
    background:#fbfaf7;border:1px solid var(--line);border-radius:9px;padding:7px 10px}
  .gj-dd .lbl{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.6px;color:var(--muted)}
  .gj-dd button{width:26px;height:26px;border:1.5px solid var(--line);background:#fff;border-radius:7px;
    cursor:pointer;font-size:14px;line-height:1;color:var(--navy)}
  .gj-dd button:hover{border-color:var(--gold);background:#fffdf6}
  .gj-dd input{width:52px;padding:5px 7px;border:1.5px solid var(--line);border-radius:7px;
    font:inherit;font-size:13px;text-align:center;background:#fff}
  .gj-dd .pc{font-weight:700;color:var(--navy);font-size:13px}
  .gj-dd .auto{width:auto;padding:4px 9px;font-size:10.5px;font-weight:700;color:#7a5c14;border-color:var(--gold-soft)}
  .gj-dd .note{flex:1 0 100%;font-size:11px;color:var(--muted);line-height:1.45;margin-top:2px}
  .gj-ricn{width:19px;height:19px;flex-shrink:0;margin-right:2px;vertical-align:-4px}
  .gj-clt span{display:inline-flex;align-items:center;gap:7px}
  /* movement 4: the plan's retirement gauge, and the what-if beside it */
  .gj-retrow{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:12px;align-items:stretch}
  .gj-boost{border:1.5px solid var(--line);border-radius:12px;background:#fbfaf7;padding:14px 18px}
  .gj-boost .t{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--muted)}
  .gj-boost .in{display:flex;align-items:center;gap:7px;margin:9px 0 10px;font-weight:700;color:var(--navy)}
  .gj-boost .in input{width:104px;padding:8px 11px;border:1.5px solid var(--line);border-radius:9px;
    font:inherit;font-size:15px;background:#fff;color:var(--ink)}
  .gj-boost .in input:focus{border-color:var(--gold);outline:none}
  .gj-boost .in span{font-weight:400;font-size:12.5px;color:var(--muted)}
  .gj-boost .v{font-family:Georgia,serif;font-size:24px;font-weight:700;color:var(--navy);line-height:1.15}
  .gj-boost .up{font-size:12.5px;font-weight:700;color:var(--ok);margin-top:2px}
  .gj-boost .s{font-size:12px;color:var(--muted);margin-top:3px;line-height:1.45}
  @media (max-width:1040px){ .gj-retrow{grid-template-columns:1fr} }
  /* movement 5: two short action lists */
  .gj-acts{display:grid;grid-template-columns:1fr 1fr;gap:14px}
  .gj-actc{border:1.5px solid var(--line);border-radius:12px;padding:12px 14px 13px;background:#fff}
  .gj-acth{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--navy);
    margin-bottom:9px;display:flex;align-items:baseline;gap:8px}
  .gj-acth em{font-style:normal;font-weight:400;letter-spacing:.2px;text-transform:none;font-size:11.5px;color:var(--muted)}
  .gj-act{display:flex;align-items:center;gap:8px;margin-bottom:6px}
  .gj-act .dot{width:6px;height:6px;border-radius:50%;background:var(--gold);flex-shrink:0}
  .gj-act input{flex:1;min-width:0;padding:7px 10px;border:1.5px solid transparent;border-radius:8px;
    font:inherit;font-size:13px;background:#fbfaf7;color:var(--ink)}
  .gj-act input:hover{border-color:var(--line)}
  .gj-act input:focus{border-color:var(--gold);background:#fff;outline:none}
  .gj-act .li-del{width:28px;height:30px;font-size:11px}
  .gj-actadd{display:flex;gap:7px;margin-top:9px}
  .gj-actadd input{flex:1;min-width:0;padding:8px 11px;border:1.5px dashed var(--line);border-radius:8px;
    font:inherit;font-size:12.5px;background:#fff}
  .gj-actadd input:focus{border-color:var(--gold);border-style:solid;outline:none}
  .gj-actadd input::placeholder{color:#b3b6b9;font-style:italic}
  @media (max-width:1040px){ .gj-acts{grid-template-columns:1fr} }
  .gj-track{display:flex;align-items:center;gap:16px;border:1.5px solid var(--gold-soft);
    background:#fffdf6;border-radius:12px;padding:14px 18px}
  .gj-track .t{font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:#8a6d1f}
  .gj-track .v{font-family:Georgia,serif;font-size:24px;font-weight:700;color:var(--navy);line-height:1.15}
  .gj-track .s{font-size:12px;color:var(--muted);margin-top:2px}
  @media (max-width:1040px){ .gj-cl.two{grid-template-columns:1fr} }
  /* movement 1: the family, editable in place */
  .gj-people .gj-person{cursor:pointer}
  .gj-people .gj-person:hover{border-color:var(--gold)}
  .gj-person.open{border-color:var(--gold);background:#fffdf6;box-shadow:0 0 0 3px rgba(197,164,74,.18)}
  .gj-addp{border:1.5px dashed var(--gold);background:#fffdf6;color:#7a5c14;border-radius:24px;
    padding:10px 16px;font:inherit;font-size:12.5px;font-weight:700;cursor:pointer;letter-spacing:.2px}
  .gj-addp:hover,.gj-addp.open{background:var(--gold);color:var(--navy);border-style:solid}
  .gj-fam-ed{display:flex;gap:9px;align-items:stretch;margin:10px 0 2px;flex-wrap:wrap}
  .gj-fam-ed input{padding:9px 12px;border:1.5px solid var(--line);border-radius:9px;font:inherit;font-size:13px;background:#fdfdfc}
  .gj-fam-ed input:first-child{flex:1;min-width:180px}
  .gj-fam-ed input:focus,.gj-fam-ed select:focus{border-color:var(--gold);background:#fff;outline:none}
  .gj-fam-ed .dep-age{flex:0 0 90px;width:90px}
  .gj-fam-ed .btn{align-self:stretch}
  /* movement 1: the questions to sit with */
  .gj-q{display:grid;grid-template-columns:36px 1fr 340px;gap:14px;align-items:center;
    border:1.5px solid var(--line);border-radius:12px;padding:13px 16px;margin-bottom:9px;background:#fff}
  .gj-q:hover{border-color:var(--gold-soft)}
  .gj-q .n{width:28px;height:28px;border-radius:50%;border:1.5px solid var(--gold);color:#8a6d1f;
    display:flex;align-items:center;justify-content:center;font-family:Georgia,serif;font-weight:700;font-size:13px}
  .gj-q .q{font-family:Georgia,serif;font-size:16px;color:var(--navy);line-height:1.3}
  .gj-q .q em{display:block;font-family:system-ui,sans-serif;font-size:12px;color:var(--muted);font-style:italic;margin-top:3px}
  .gj-q>input{padding:9px 12px;border:1.5px solid var(--line);border-radius:9px;font:inherit;font-size:13px;background:#fdfdfc;min-width:0}
  .gj-q>input:focus{border-color:var(--gold);background:#fff;outline:none}
  .gj-q>input::placeholder{color:#b3b6b9;font-style:italic}
  .gj-q.wide{grid-template-columns:36px 1fr}
  .gj-mx{grid-column:1 / -1;display:grid;grid-template-columns:1fr 26px 1fr;gap:12px;align-items:start;margin-top:11px}
  .gj-mxc{border:1.5px solid var(--line);border-radius:12px;padding:11px 14px 13px}
  .gj-mxc.mem{border-color:var(--gold-soft);background:#fffdf6}
  .gj-mxc.exp{background:#fafaf9}
  .gj-mxc h4{font-family:Georgia,serif;font-size:11.5px;text-transform:uppercase;letter-spacing:1.1px;margin:0 0 8px;font-weight:700}
  .gj-mxc.mem h4{color:#8a6d1f}
  .gj-mxc.exp h4{color:var(--muted)}
  .gj-mxc textarea{width:100%;border:1.5px solid var(--line);border-radius:9px;background:#fff;padding:8px 10px;
    font:inherit;font-size:13px;line-height:1.5;resize:vertical;color:var(--ink)}
  .gj-mxc.mem textarea{border-color:#e7d3a4}
  .gj-mxc textarea:focus{border-color:var(--gold);outline:none}
  .gj-mxc textarea::placeholder{color:#c3c6c9;font-style:italic}
  .gj-mxv{display:flex;align-items:center;justify-content:center;font-family:Georgia,serif;font-style:italic;
    color:var(--muted);font-size:13px;padding-top:34px}
  .gj-mxf{grid-column:1 / -1;background:#fffbef;border:1px solid var(--gold-soft);border-radius:9px;
    padding:9px 13px;font-size:12.5px;line-height:1.5}
  .gj-mxf b{color:var(--navy)}
  .gj-mxf span{color:var(--muted)}
  @media (max-width:1040px){
    .gj-q{grid-template-columns:32px 1fr}
    .gj-q>input{grid-column:2 / -1}
    .gj-mx{grid-template-columns:1fr;gap:9px}
    .gj-mxv{display:none}
  }
  .gj-bars{display:flex;align-items:flex-end;gap:12px;height:110px;margin:22px 6px 24px;max-width:480px}
  .gj-bar{flex:1;background:var(--navy);border-radius:5px 5px 0 0;position:relative;min-width:52px}
  .gj-bar span{position:absolute;top:-18px;left:0;right:0;text-align:center;font-size:11px;font-weight:700;color:var(--navy)}
  .gj-bar em{position:absolute;bottom:-19px;left:0;right:0;text-align:center;font-size:10px;color:var(--muted);font-style:normal;white-space:nowrap}
  .gj-bar.now{background:var(--gold)}
  .gj-goal{border:1.5px solid var(--line);border-radius:12px;padding:10px 14px;margin:8px 0;background:#fff}
  .gj-goal.unfunded{border-style:dashed;border-color:#e8c87a;background:#fffdf7}
  .gj-goal .top{display:flex;align-items:center;gap:10px;font-size:13.5px}
  .gj-goal .top b{font-family:Georgia,serif;color:var(--navy)}
  .gj-goal .hzn{margin-left:auto;font-size:9px;font-weight:700;letter-spacing:.6px;color:var(--gold);text-transform:uppercase}
  .gj-goal .fin{display:flex;align-items:center;gap:7px;font-size:12.5px;margin-top:7px;flex-wrap:wrap}
  .gj-goal .fin input{width:90px;padding:6px 9px;border:1.5px solid var(--line);border-radius:8px;text-align:right}
  .gj-unf{font-size:11.5px;color:#7a5c14}
  .gj-fsum{background:var(--navy);color:#fff;border-radius:11px;padding:10px 15px;font-size:13px;margin-top:10px}
  .gj-fsum b{color:var(--gold-soft)}
  .gj-cmt{display:flex;gap:10px;align-items:flex-start;border:1.5px solid var(--line);border-radius:11px;padding:9px 13px;margin:7px 0;font-size:13px;background:#fff;flex-wrap:wrap}
  .gj-cmt input[type=checkbox]{width:18px;height:18px;accent-color:var(--ok);margin-top:2px}
  .gj-cmt .when{margin-left:auto;display:flex;gap:4px;flex-wrap:wrap;align-items:center}
  .gj-chipd{border:1.5px solid var(--line);background:#fff;border-radius:14px;padding:2px 10px;font-size:10.5px;cursor:pointer;color:var(--muted)}
  .gj-chipd.sel{border-color:var(--gold);background:#fdfaf3;color:#7a5c14;font-weight:700}
  .gj-payslip{background:var(--navy);border-radius:12px;color:#fff;padding:12px 16px;display:flex;gap:20px;align-items:center;flex-wrap:wrap}
  .gj-payslip b{font-family:Georgia,serif;font-size:21px;color:var(--gold-soft);display:block}
  .gj-payslip small{color:#9fb1c1;font-size:10.5px;display:block}
  .gj-storm{border:1.5px solid var(--line);border-left:4px solid var(--navy);border-radius:11px;padding:11px 14px;font-size:13px;background:#f8fafc}
  .gj-future{border:1.5px solid var(--gold-soft);border-radius:11px;padding:11px 14px;font-size:13px;background:#fdfaf3}
  .gj-covers{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:9px;margin:8px 0}
  .gj-cov{border:1.5px solid var(--line);border-radius:11px;padding:9px 12px;font-size:12px}
  .gj-cov b{font-family:Georgia,serif;color:var(--navy);display:block;font-size:13px}
  .gj-cov .gb{height:8px;border-radius:5px;background:#f2e9e7;overflow:hidden;margin-top:6px}
  .gj-cov .gb div{height:100%;background:linear-gradient(90deg,var(--ok),#3f9c6c)}
  @media print{
    @page{size:A4;margin:9mm}
    #printDoc .opp.a4p{aspect-ratio:auto;height:277mm;max-width:none;width:100%;border-radius:0;margin:0}
    /* page 1 dashboard: the print page is taller than the on-screen card — scale the
       graphics up so the printed sheet is as full as the approved draft */
    #printDoc .p1don svg{width:128px;height:128px}
    #printDoc .p1leg{font-size:13px}
    #printDoc .p1leg .pct{font-size:11.5px;width:36px}
    #printDoc .p1gc{padding:12px 13px}
    #printDoc .p1gc svg{width:74px;height:74px}
    #printDoc .p1gc .t{font-size:10.5px}
    #printDoc .p1gc .v{font-size:22px}
    #printDoc .p1gc .s{font-size:10px}
    #printDoc .p1chip{font-size:12.5px;padding:7px 12px;border-radius:11px}
    #printDoc .p1chip .ck{width:19px;height:19px;font-size:11px}
    #printDoc .p1chip .hzn{font-size:9px}
    #printDoc .p1chips{gap:8px}
    #printDoc .p1act{font-size:13px;padding:5px 0}
    #printDoc .p1act .n{width:20px;height:20px;font-size:11.5px}
    #printDoc .p1nw .bars{height:104px;margin:20px 4px 22px}
    #printDoc .p1hyb{border-radius:16px}
    #printDoc .p1hyb .half{padding:14px 20px 16px}
    #printDoc .p1hyb .eyebrow{font-size:10px;letter-spacing:2.4px}
    #printDoc .p1hyb .chips{gap:9px;margin-top:9px}
    #printDoc .p1hyb .chip{padding:4px 13px 4px 5px;border-radius:22px}
    #printDoc .p1hyb .ic{width:26px;height:26px;font-size:13px}
    #printDoc .p1hyb .cl{font-size:12.5px}
    #printDoc .p1hyb .q{font-size:15px}
    #printDoc .p1hyb .mrow{gap:26px;margin-top:8px}
    #printDoc .p1hyb .mi b{font-size:23px}
    #printDoc .p1hyb .mi small{font-size:9.5px}
    #printDoc .c1 .p1mid{flex:0 0 auto}
    #printDoc .c1 .opp-head{padding-top:32px;padding-bottom:54px}
    #printDoc .c1 .p1hyb{flex:1 0 auto;margin-top:12px}
    #printDoc .c1 .p1hyb .half{display:flex;flex-direction:column;justify-content:center}
    #printDoc .c1 .p1gc svg{width:66px;height:66px}
    #printDoc .c1 .p1gc .v{font-size:19px}
    #printDoc .c1 .p1gc .s{font-size:9.5px}
    #printDoc .c1 .p1chips{gap:5px}
    #printDoc .c1 .p1chip{font-size:11.5px;padding:5px 11px}
    #printDoc .c1 .p1chip .ck{width:16px;height:16px;font-size:10px}
    #printDoc .c1 .p1chip .hzn{font-size:8px}
    #printDoc .c1 .p1don svg{width:114px;height:114px}
    #printDoc .c1 .p1leg{font-size:11.5px}
    #printDoc .c1 .p1leg .pct{font-size:10px;width:32px}
    #printDoc .c1 .p1act{font-size:11.5px;padding:4px 0}
    #printDoc .c1 .p1act .n{width:17px;height:17px;font-size:10.5px}
    #printDoc .c1 .p1nw .bars{height:70px;margin:17px 4px 20px}
    #printDoc .c1 .p1hyb .half{padding:11px 16px 12px}
    #printDoc .c1 .p1hyb .ic{width:22px;height:22px;font-size:11.5px}
    #printDoc .c1 .p1hyb .cl{font-size:11px}
    #printDoc .c1 .p1hyb .mi b{font-size:18px}
    #printDoc .c1 .p1hyb .mi small{font-size:8.5px}
    #printDoc .c2 .p1gc svg{width:60px;height:60px}
    #printDoc .c2 .p1gc .v{font-size:17px}
    #printDoc .c2 .p1chip{font-size:11px;padding:4.5px 10px}
    #printDoc .c2 .p1chip .ck{width:15px;height:15px;font-size:9.5px}
    #printDoc .c2 .p1don svg{width:104px;height:104px}
    #printDoc .c2 .p1leg{font-size:11px}
    #printDoc .c2 .p1act{font-size:11px;padding:3.5px 0}
    #printDoc .c2 .p1nw .bars{height:62px;margin:16px 4px 19px}
    #printDoc .c2 .p1hyb .cl{font-size:10.5px}
    #printDoc .c2 .p1hyb .mi b{font-size:17px}
    #printDoc .c3 .p1gc svg{width:50px;height:50px}
    #printDoc .c3 .p1chip{font-size:10px;padding:3.5px 9px}
    #printDoc .c3 .p1don svg{width:90px;height:90px}
    #printDoc .c3 .p1leg{font-size:10px}
    #printDoc .c3 .p1act{font-size:10px}
    #printDoc .c3 .p1nw .bars{height:50px}
    #printDoc .c3 .p1hyb .mi b{font-size:15px}
    #printDoc .p1bars .bar span{font-size:11.5px}
    #printDoc .p1bars .bar em{font-size:11px}
  }

  /* ---- net/gross income toggle & derived estimate (Scoop / Money Selfie / review) ---- */
  .inc-basis-wrap{display:inline-flex;border:1px solid var(--line);border-radius:6px;overflow:hidden;flex-shrink:0;}
  .inc-basis{border:none;background:#fff;color:var(--muted);padding:2px 9px;font-size:10.5px;font-weight:700;
    text-transform:uppercase;letter-spacing:.4px;cursor:pointer;line-height:1.5;}
  .inc-basis + .inc-basis{border-left:1px solid var(--line);}
  .inc-basis.active{background:var(--navy,#10263A);color:#fff;}
  .inc-derived{font-size:11px;color:var(--muted);margin-top:3px;min-height:14px;}

  /* ---- Floating Start-review button: visible on every client tab ---- */
  .review-fab{position:fixed;right:26px;bottom:26px;z-index:600;
    background:var(--gold);color:var(--navy);border:none;border-radius:999px;
    padding:14px 24px;font-family:inherit;font-size:14.5px;font-weight:700;cursor:pointer;
    box-shadow:0 6px 22px rgba(16,38,58,.35);transition:transform .12s,box-shadow .12s,filter .12s;}
  .review-fab:hover{transform:translateY(-2px);box-shadow:0 10px 28px rgba(16,38,58,.42);filter:brightness(1.05);}
  .review-fab:active{transform:translateY(0);}
  @media (max-width:720px){ .review-fab{right:14px;bottom:14px;padding:12px 18px;font-size:13.5px;} }

  /* ---- Guided review: family values + tickable goals (movement 1) ---- */
  .gj-values{width:100%;border:1.5px solid var(--line,#dfe3e8);border-radius:10px;padding:10px 13px;
    font:inherit;font-size:13.5px;resize:vertical;background:#fffdf7;}
  .gj-values:focus{border-color:var(--gold);outline:none;background:#fff;}
  .gj-gtick{display:flex;align-items:center;gap:11px;padding:9px 12px;border:1.5px solid var(--line,#dfe3e8);
    border-radius:10px;margin-bottom:7px;background:#fff;}
  .gj-gtick .box{width:24px;height:24px;flex-shrink:0;border:2px solid var(--gold);border-radius:7px;cursor:pointer;
    display:flex;align-items:center;justify-content:center;font-size:15px;color:transparent;transition:all .12s;}
  .gj-gtick .box:hover{background:rgba(200,161,60,.15);color:var(--gold);}
  .gj-gtick .t{flex:1;font-size:13.5px;color:var(--navy);}
  .gj-gtick .hzn{font-size:10.5px;text-transform:uppercase;letter-spacing:.4px;color:var(--muted,#6a6f75);
    background:#f2f0e9;border-radius:6px;padding:3px 8px;flex-shrink:0;}